A step-by-step guide to opening an NRI account from abroad

Sarthak recently moved to the UK for a new job opportunity. Like many non-resident Indians (NRIs) working abroad, he wants to send money to his parents in India and manage his finances efficiently from overseas. But he is unsure about how to open an NRI account online. Can the process be started while living abroad? What documents do you need? Is it complicated?

Let’s walk through everything Sarthak—and you—need to know while opening an NRI account.

Why do you need an NRI account?
 

An NRI can’t continue using a regular savings account in India once they move abroad. As per regulations, they must operate either a non-resident external (NRE) or a non-resident ordinary (NRO) account. This is why opening an NRI account is essential.

An NRI account is a bank account designed specifically for Indians living abroad. Opening an NRI account not only ensures compliance but also simplifies handling all your financial transactions in India without issues.

Here’s why NRIs like Sarthak choose to open an account –

1. It lets you send money to India without any hassle
2. You can hold and convert foreign currency to INR safely
3. It allows you to save or invest in Indian rupees
4. You get tax benefits, especially on NRE account interest
5. Your funds can be repatriated abroad, depending on the account type
6. It helps you pay bills or support your family in India from anywhere

NRE vs NRO account – which one suits your needs?
 

Choosing between an NRE or NRO account depends on your income sources and financial goals.

Sarthak, who earns in the UK and wants to send money to India, would benefit more from an NRE account.

Can you start the account opening process from abroad?
 

Yes, absolutely. The process for opening an NRI account can be started from outside India. Banks like IDFC FIRST Bank offer digital services that allow you to apply online and submit documents. This means you don’t need to visit a branch in person.

How to open an NRI bank account from abroad: Step-by-step guide
 

Whether NRE or NRO, opening an NRI account in India from abroad is now simpler than ever. Here’s how to go about it -

Step 1 –

IDFC FIRST Bank allows you to open an NRI account online without needing to visit India.

Step 2 –

Click on ‘Apply Now .’ Enter your mobile number and email ID to start your application. Select between an NRE or NRO account.

Step 3 –

Complete the application form with your personal details, Non-Resident Status Proof, Overseas Address Proof, and tax related information.

Step 4 –

Complete the Know Your Customer (KYC) verification. IDFC FIRST Bank allows you to upload certified copies of documents for verification. Ensure that you upload clear and legible scanned copies.  If needed, a relationship manager will assist you remotely to ensure a smooth process.

Step 5 –

Once your application and documents are submitted, the bank will verify them. The bank’s team will handle this process remotely.

Step 6 –

After successful verification, you’ll receive your NRI account details, including your account number and online banking credentials.

You can now access your account, transfer funds, and manage your finances directly from the IDFC FIRST Bank Mobile Banking App or through online banking.

What documents do you need to open an NRI account from abroad?
 

Here are the documents required for opening an NRI account –

1. Passport (identity proof)
2. Visa or OCI/PIO card or Resident Permit (non-resident status proof)
3. Overseas address proof (utility bill, driver’s licence, etc.)
4. PAN or Form 60 (for tax compliance)
5. Recent photograph and digital signature

Since you're not visiting a bank branch, you must get your documents attested by an entity from your overseas country of residence. This can be done by –

1. Notary public
2. Indian embassy
3. An overseas bank with an Indian bank tie-up
4. Magistrate or judge

Make sure the documents are clear and legible before uploading.

Let IDFC FIRST Bank support you, wherever you are
 

For NRIs like Sarthak, opening an NRI account from overseas doesn’t have to be complex. With IDFC FIRST Bank, the entire journey—from application to activation—is digital, efficient, and supported by an expert NRI team. The Mobile Banking App also gives you complete control over your account from anywhere in the world.

So, why wait? Apply here to get started with your NRI account from wherever you are. Take the first step today with a bank that supports you every step of the way.