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Fuel Your Business Growth with IDFC FIRST Bank’s Gold Current Account.

The Gold Current Account is more than just a banking solution—it’s a tool designed to help your business succeed. Benefit from easy access to current account services with cutting-edge features, including a unified Internet and Mobile Banking platform, Trade Forex offerings and efficient payment and receivable management solutions. With our commitment of Zero Banking fee (40+ services), we ensure you can focus on your business while we do the rest for you.Read More

Start your journey toward business success today—open your Gold Current Account with IDFC FIRST Bank.Read Less

Empower Your Enterprise with the Ultimate Current Account Solution

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ZERO Charges: Enjoy commonly used current account services without fees.

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Free Cash Deposit: Free cash deposit up to 12 times of current month AMB

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Cash Management Solutions: Benefit from a suite of payment and collection solutions to optimize your cash flows

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All-in-one app: A single app with 100+ features that meet both personal and business financial needs

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WhatsApp Banking: Access your accounts anywhere, anytime. Just send a 'hi' to 95555 55555 to get started

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Beyond Banking Services: We offer 100+ Beyond Banking offerings to suit your enterprise's needs, including ERP, HRMS, Payroll, Taxation, Legal, Cloud Services, CoWorking Spaces, etc.

Gold Current Account

benefits

Discover the amazing perks of our Gold Current Account

  • Zero charges on 40+ commonly used Current Account services*
  • Free Cash deposit limit of 12 times of current month AMB
  • Free Visa Platinum Debit Card with lounge access
  • Complimentary insurance with the debit card
  • Free NEFT, RTGS, IMPS transactions*
  • Daily ATM limit of ₹1 Lakh & Purchase limit of ₹2 Lakhs
  • Preferential Trade & Forex pricing
  • Leverage our Payment and Collection solutions to optimize your business
  • Get complimentary General Insurance Cover with your Current Account

*on maintenance of average monthly balance of ₹50,000

Open Account

Eligibility

Who can apply?

The following constitutions are broadly eligible to open an account:

  • Hindu Undivided Family (H.U.F.)
  • Sole proprietorship
  • Partnership
  • OPC / Private / Limited Company
  • Limited Liability Partnership
  • Resident Individual

Documentation

Sole proprietorship

  • 2 documents in the name of Entity
  • Address proof in the name of entity
  • Proprietor Document – (Photo, PAN copy and 1 OVD document copy)
  • Nature of Industry proof (In case not indicative in Entity documents, please check for Invoice Copy, Bill of Entry, Freight Invoice, Agreement Copy)

Partnership

  • Partnership Deeds
  • Partnership Firm Declaration
  • Entity PAN card copy
  • Address Proof in the name of the Entity
  • OVD copy of the Partners / Authorised Signatories / Beneficial Owners (Including Latest Photograph and PAN card copy)

Read More

Schedule of Charges

  • Click here to read the Schedule of Charges

Current account eligibility

FEES & CHARGES

Find out about our minimal and transparent fees & charges

View Fees & Charges

fees and charges

FREQUENTLY ASKED QUESTIONS

What is a Current Account?

A Current Account is an account that is used by business enterprises or self-employed professionals to carry out business-related transactions. It allows businesses to carry out a higher number of transactions daily.

Who can apply for a Current Account?

Anyone who meets any of the following requirements can apply:

- Self Employed Professionals

- Hindu Undivided Family (H.U.F.)

- Sole Proprietorship

- Partnership

- OPC / Private & Public  Limited Company

- Limited Liability Partnership

How do I open a Current Account?

You can open an IDFC FIRST Bank Current Account by visiting your nearest bank branch or click here to apply online.

What are the documents required for opening a Current Account?

The documents required to open a Current Account are based on your constitution type. Click here to view the list of documents.

What is the minimum Average Monthly Balance (AMB) required to be maintained in the IDFC FIRST Bank Gold Current Account?

Minimum Average Monthly Balance (AMB) requirement for Gold Current Account is ₹ 50,000.

What is an Average Monthly Balance?

The average monthly balance is calculated by taking the average of end of the day/ daily closing balances in your Current Account, in a given month. E.g., For a 31-day month, the average is calculated by adding the closing day balances for all the days in the month and dividing it by 31.

What are the benefits of having an IDFC FIRST Bank Current Account?

After opening a Current Account with IDFC FIRST Bank, you can avail of below benefits:

- State-of-the-art Mobile Banking App & Net Banking platform

- Bank from anywhere, across any branch, at ZERO charges

- Seamless POS, QR & Payment Gateway facility

- Doorstep Banking Service - Free document & cheque pickup

What are the fees and charges on IDFC FIRST Bank Current Account?

IDFC FIRST Bank has minimal and transparent fees & charges. Click here to view.

Are all services offered free of charge in the Gold Variant?

All current account services (except cash deposit) are offered free of charge to the customer provided they maintain the required balance.

Name of the Product

Criteria

Gold

AMB:  >=50,000 - CA services are free,
AMB: < 50K - Rs. 1000 + Standard charges applicable

What is the free cash deposit limit for Gold Current Account?

Gold Current Account offers free cash deposit limit of 12 times the current month AMB with no restriction on maximum amount.

Can I deposit or withdraw cash in any IDFC FIRST Bank branch?

Yes, every Branch is a Home Branch with IDFC FIRST Bank which means you can get banking service like cash deposits or withdrawals at any IDFC FIRST Bank branch in the country. These services are provided without any additional charges.

What are the digital modes through which I can access IDFC FIRST Bank Current Account?

Current Account can be accessed through the following digital modes:

- Internet Banking & Mobile Banking

- 24x7 Banker on Call 1800-10-888

- Alerts through Email and SMS

- WhatsApp Banking

What all Beyond Banking offer will I get with my Current Account?

IDFC FIRST Bank Beyond Banking offers premium banking services with 100+ partners. You can benefit from 150+ offers across ERP &Accounting, HRMS Solutions, Legal, Logistics, Travel & more.

Click here to view the Beyond Banking offers.

What is the digital Payment & Collection solutions available for my Current Account?

Below are some of the digital payment and collection solutions available with IDFC FIRST Bank Current Account:

Payment Solutions Collection Solutions
NEFT/RTGS/IMPS UPI-QR
Debit Cards POS Machine
E-commerce payments using Net Banking Doorstep Banking services with live tracking facilities
Bill Payments Payment Gateway
Bulk transaction facility on Net Banking Virtual Accounts
GST/Direct Tax Payment Collection API
Payment API NACH/e-NACH

What are the Trade & Forex solutions available with the Current Account?

Below are the Trade & Forex solutions available to facilitate your international business requirements:

- Letter of Credit

- Bank Guarantee

- Document Collection

- Inward & Outward Remittance

- Hedging and Currency Protection

- FDI/ ODI/ ECB

- Escrow Services

More FAQs

Whatsapp Banking

 

Through WhatsApp Banking, you can interact with us just like you would with any of our representative

 

Numbers to connect: 95555 55555

Message Now

Current Account Blogs

current account

FEATURED

All you need to know about current account

Current accounts can help in managing the finances for your business. Read the following article to learn more about current accounts.

Team FinFIRST19 Oct 2023 • 3 mins read

Read Full Story

View More

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