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Grow Your Business with Confidence with an IDFC FIRST Bank Current Account.

IDFC FIRST Bank Silver Plus Current Account is designed to offer you the flexibility and convenience you need for your everyday banking. With easy access to your funds, unlimited transactions at IDFC FIRST Bank ATM, and a range of digital banking tools, managing your finances has never been easier. Enjoy instant access to your funds, easy bill payments and flexibility of making business payments all at your convenience. With a low average monthly balance maintenance requirement, free online banking, and secure debit card access, our current account ensures you get all you need. Read More

Open a Silver Plus Current Account with us today and experience seamless banking at your fingertips.Read Less

Empower Your Enterprise with the Ultimate Current Account Solution

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Anywhere Banking: No add-on charges on transactions at any non-home branch. So, every IDFC FIRST Bank branch is your home branch

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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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Debit Card: Free VISA Platinum Business Debit card with exclusive benefits

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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.

Elevate your business with our Silver Plus Current Account proposition

  • Free cash deposits allowed up to 10 times the AMB of the current month, subject to a maximum cap of ₹50 lakhs — whichever is lower.
  • Free VISA Platinum Business Debit card with lounge access
  • Complimentary insurance with the debit card
  • Free NEFT and RTGS transactions
  • All transactions free on IDFC FIRST Bank ATM
  • Daily ATM limit of ₹1 Lakh & Purchase limit of ₹2 Lakhs
  • Free anywhere cheque collection
  • Leverage our Payment and Collection solutions to optimize your business
  • Get complimentary General Insurance Cover with your Current Account
Open Account

Eligibility

Who can apply?

Anybody 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

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 Silver Plus Current Account?

Minimum Average Monthly Balance (AMB) requirement for Silver Plus Current Account is ₹ 25,000.

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.

What is the free cash deposit limit for Silver Plus Current Account?

Silver Plus Current Account offers free cash deposit limit of 10 times the current month AMB, upto Rs. 50 Lakhs

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+ partner offers, you can enjoy benefit across ERP & Accounting, HRMS Solutions, Cloud, 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

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