The best online bank accounts in India in 2023

Most customers select an online savings account based solely on bank interest rates. But an online bank account should help you access all banking services safely and conveniently every time. The banks mentioned in this article specialise in various customer service categories and facilitate easy banking. You could go through this list before opting for an online savings account to take a more informed decision. 

  1. Steadily increase your savings with IDFC FIRST Bank digital savings accounts.

IDFC FIRST Bank savings accounts are popular among customers for various reasons. Here is a point-wise summary of their key features: 

  • The Zero Fee Banking feature helps customers increase their savings – IDFC FIRST Bank waives off the fees of 28 commonly used savings bank account services, including debit card issuance charges, ATM withdrawal and deposit charges, demand draft-pay-order-issuance charges, and chequebook re-issuance charges. You can learn more about this disruptive new feature by visiting the IDFC FIRST Bank site IDFC FIRST Bank site. With monthly interest credit and high-interest rates, you can save more with an IDFC FIRST Bank savings account. 
  • IDFC FIRST Bank’s mobile banking app helps customers budget better – Banks offering efficient online savings accounts have technically resilient mobile apps. IDFC FIRST Bank app offers the Track Your Expense feature that assists customers in planning finances better and increasing their savings.
  • Customers can instantly access all banking services through a digital savings account – Access all banking services offered by IDFC FIRST Bank through its digital savings account, from account funds to investments. Bank statements, too, are accessible through the mobile app.
  • The bank facilitates quick and secure online transfers –  Features like AutoPay help customers make recurring payments like paying utility and credit card bills. With One-Swipe Pay, customers can seamlessly transfer money online. Besides these features, the app also facilitates UPI (Unified Payments Interface), NEFT (National Electronic Funds Transfer), IMPS (Immediate Payment Service), and RTGS (Real-Time Gross Settlement) transfers free of charge. 

1.Pay your bills on time with HDFC Bank’s online savings account.

  • HDFC Bank facilitates easy online transactions via Net Banking, IMPS, NEFT, and RTGS. 
  • Features like BillPay can help customers pay their bills on time. 
  • HDFC allows customers to access their accounts from another bank ATM. 

2.Consider opting for ICICI Bank’s savings accounts.

  • Customers can conveniently invest their savings online through ICICI Bank’s mobile app. 
  • ICICI Bank also sends you personalised investment recommendations through its app. 
  • ICICI Bank’s online savings account can help you send money instantly to any recipient. 

3.Access banking services seamlessly with Axis Bank’s online accounts.  

  • Axis Bank offers an “easy access” savings account that facilitates superior accessibility to all banking services. 
  • Customers can get free chequebooks and access their bank account balance at all times. 
  • Axis Bank also has a low average monthly balance requirement for online savings accounts.

While opening a new bank account, you must look for the highest interest rates and efficient features that allow you to access all banking services without hassles. Choose any of the four banks mentioned in this article for your savings account and enjoy a hassle-free online banking experience.

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