ICICI Mine Account: Meaning, Features, Benefits & Charges (India, 2026)
An ICICI Mine Account is a special savings account designed mainly for students and young professionals who want a low-balance, digital-friendly bank account with basic banking benefits.
Quick Summary
- Account type: Savings account
- Target users: Students & first-time earners
- Minimum balance: Nil or low (as per variant)
- Debit card: Provided
- Net banking & iMobile: Available
- UPI: Supported
What Is ICICI Mine Account?
The ICICI Mine Account is a starter savings account that helps new users begin their banking journey without worrying about high minimum balance requirements. It focuses on digital banking and everyday transactions.
Key Features of ICICI Mine Account
- Zero or low minimum balance (terms may vary)
- Free debit card
- UPI, net banking & iMobile Pay app access
- ATM cash withdrawal
- SMS & email alerts
- Online fund transfers (NEFT / IMPS / UPI)
Who Should Open an ICICI Mine Account?
- College students
- First-time salary earners
- Young professionals
- Anyone looking for a basic, low-maintenance savings account
ICICI Mine Account Minimum Balance
- Generally ₹0 to low balance requirement
- Non-maintenance charges usually not applicable or minimal
Exact balance rules may vary by account variant or location. Check in the ICICI app or branch for confirmation.
Debit Card & ATM Benefits
- ICICI Bank debit card issued
- ATM withdrawals at ICICI ATMs
- Usage limits apply as per bank policy
Digital Banking with Mine Account
- ICICI Net Banking login
- iMobile Pay app access
- UPI payments & QR scanning
- Statement download & balance check
How to Open ICICI Mine Account
You can open it through:
- ICICI Bank branch
- Online account opening (if available)
- Assisted digital onboarding
Documents usually required:
- Aadhaar
- PAN (or Form 60)
- Mobile number
FAQs – ICICI Mine Account
Q1. Is ICICI Mine Account zero balance?
A. Typically yes or very low balance, depending on the variant.
Q2. Can I convert Mine Account to a regular savings account?
A. Yes, conversion is usually possible by visiting a branch.
Q3. Does Mine Account support salary credit?
A. Yes, salary and other credits are allowed.
Q4. Is cheque book provided?
A. Cheque book availability may depend on account terms.
Things to Keep in Mind
- Some features may have usage limits
- Charges may apply beyond free limits
- Always review the schedule of charges
Conclusion
The ICICI Mine Account is a good option for students and beginners who want a simple, digital-first savings account with minimal balance stress. It’s ideal for everyday banking and learning money management.
