ICICI Bank Account Opening Online: Full Guide 2026

How to Open ICICI Bank Account Online

ICICI Bank allows you to open a savings account online through iMobile Pay or the ICICI Bank website using Aadhaar-based e-KYC and video KYC (V-CIP). The process takes about 10 to 15 minutes and requires only Aadhaar and PAN. No branch visit is needed for most account types.

Types of Accounts You Can Open Online

• ICICI Instakit Account — Instant, Aadhaar OTP-based, limited initially
• ICICI Savings Account — Full-featured, requires video KYC
• ICICI Basic Savings Bank Deposit Account (BSBDA) — Zero balance, basic features
• ICICI Mine (Youth Account) — For young adults aged 18 to 25

Documents Required

• Aadhaar card (mobile number linked for OTP)
• PAN card
• Live selfie (taken during the process)
• Signature on white paper (for video KYC)

Step-by-Step: Open ICICI Account via iMobile Pay

1. Download iMobile Pay from Google Play Store or Apple App Store.
2. On the home screen (before login), tap Open a Savings Account.
3. Enter your mobile number — OTP verification is done via SMS.
4. Enter your PAN card details and Aadhaar number.
5. Complete Aadhaar OTP verification (OTP to Aadhaar-linked mobile).
6. Take a live selfie as prompted.
7. Schedule or join a Video KYC call with an ICICI bank officer.
8. During the call, display your original PAN and Aadhaar to the officer.
9. Sign on a white paper and show it on camera as instructed.
10. Account number is generated within 24 hours of video KYC approval.

Open ICICI Account via Website

1. Visit icicibank.com and click Open an Account.
2. Select Savings Account and click Apply Now.
3. Fill in personal and contact details, PAN, and Aadhaar.
4. Complete Aadhaar OTP and video KYC steps as above.

What Happens After Account Opening?

• iMobile Pay access is activated with your new account.
• Debit card (ICICI Visa/Mastercard) is dispatched by courier in 7 to 10 working days.
• Net banking credentials are set during account opening.
• Welcome kit with account details is sent to your registered address.

Key Takeaways

• ICICI Bank account can be opened online via iMobile Pay or icicibank.com.
• Video KYC (V-CIP) is required for full account activation — no branch visit needed.
• Aadhaar OTP and PAN are the primary requirements.
• BSBDA (zero-balance) account is available for those who do not want a minimum balance requirement.
• Debit card is dispatched by courier after account activation.

Frequently Asked Questions

How long does it take to open an ICICI Bank account online?

The application form takes 10 to 15 minutes. Account activation after video KYC approval takes up to 24 hours. Debit card delivery takes 7 to 10 working days.

Can I open an ICICI account without a PAN card?

You can open a limited KYC (LKKYC) account initially without PAN, but full functionality requires PAN as per RBI and Income Tax Act requirements. Submit PAN within the stipulated time to avoid transaction restrictions.

Is ICICI video KYC available on weekends?

ICICI Bank offers video KYC during extended hours including Saturdays. Check the scheduling portal during account opening for available slots.

Can I open an ICICI savings account if I am already an ICICI customer?

Existing ICICI customers can open an additional account through net banking or iMobile Pay under Open a New Account, using existing KYC details without repeating the full process.

What is the minimum age to open an ICICI Bank account online?

You must be at least 18 years old to open a savings account independently. ICICI offers minor accounts (Smart Star and Advantage accounts) for children below 18 years, managed by a parent or guardian.