YES BANK Savings Account is designed to empower you on your journey to financial well-being. Enjoy competitive interest rates, seamless digital access, and a range of features tailored to make your money work harder for you.

Features of a YES BANK Savings Account

  • Complimentary Virtual Debit Card

  1. Shop online or pay your bills with ease using Virtual Debit Card

  2. Exclusive lifestyle benefits and welcome offer offers linked to Virtual Debit Card

  3. Free insurance and protection cover linked to Virtual Debit Card (T&C apply)

  • Option to choose from wide range of feature rich YES Bank E-series physical debit cards##

  1. Higher Transaction and withdrawal Limits**

  2. Complimentary Airport lounge access

  3. Movie/Non-Movie offers on BookMyShow. Click here to know more

  4. Contactless Payments

  5. YES Dining Fiesta - Exclusive Discount Up to 25% on 1000+ Restaurants

  6. Accelerated YES Rewardz on Domestic and International spends

  7. Comprehensive insurance cover for Lost Card Liability Protection, Purchase Protection, Personal Accident and Air Accident Coverage

  • Attractive YES Rewardz (loyalty points) on almost every transaction in the account

  1. Opportunity to earn up to 8,000 YES Rewardz in first 90 days of account opening

  2. Earn up to 16,000 YES Rewardz in a year

  • Other exclusive YES BANK Savings Account features include
  1. Exciting discounts on Demat and Locker

  2. Free cheque book containing 5 leaves (per annum on request basis)

YES BANK Savings Account Benefits

  • Health Benefits

  1. Growfitter: 3 months of free access to a premium subscription worth ₹1,497 on the health app - walk your way to a better health and amazing rewards

  2. Dr. Vaidya: Free new-age Ayurvedic products worth ₹1,000

  3. Puma: Discount voucher worth ₹1,000

  4. HealthifyMe: Free smart coach plan worth ₹1,499

  5. Get Health + Wealth Benefits worth up to ₹7,500 (vouchers) with a YES BANK Savings Account

  • Wealth Benefits

  1. High yield savings account. Please click here for latest rates

  2. Best in class interest FD rates. Please click here for latest rates

  3. Earn up to 16,000 YES Rewardz#

  4. Lifestyle benefits worthup to on Debit Cards##

  • Service Benefits

  1. Anywhere banking facility – Free banking across all YES BANK branches

  2. Free email statement and passbook facility

  3. YES ROBOT and WhatsApp Banking: 24*7 personal banking assistant to open Fixed Deposits, pay bills, send money, do recharges or check balances

  • Transaction Benefits

  1. 24*7 easy access to account detail using YES BANK digital channels like YES Online, iris by YES BANK(mobile banking app), YES ROBOT, and YES BANK WhatsApp Banking

  2. Free NEFT/ RTGS & IMPS transfers through YES Online and iris by YES BANK

  3. Free UPI transactions through YES Bank’s mobile application - iris by YES BANK

Read More

Features of YES Bank Digital Saving Accounts

YES BANK’s Digital Savings Account is the perfect option for the digital savvy users. It simplifies banking and offers the full range of digital features. Notable features include:

  • Video KYC and contactless account opening processes

  • Online transaction facility with safe banking

  • Discount on Demat AMC

  • Discount on Lockers


Here’s an overview of the two YES BANK Digital Saving Account variants.


YES BANK Digital Savings Account Variants

AMB Requirement

Full KYC (Video KYC Enabled)

Savings Account PRO


Savings Account PRO Plus


Features of a Complimentary Virtual Debit Card


Feature / Value

Debit Card type (on VISA Platform)

Visa Platinum

Debit Card Fee


Card Replacement Charges


Insurance and Protection Cover

1. Lost Card Liability: ₹50,000

2. Purchase Protection: ₹25,000

3. Personal Accident: ₹2,00,000

YES Rewardz

1. 1x domesticspends

2. 4x international spends

Click here for the latest Insurance and Protection Cover

Product Type

Digital Savings Account- Full KYC Account (Video KYC)

Variant Names

Savings Account PRO

Savings Account PRO Plus

Freedom from AMB maintenance

Subject to FD value five times of AMB requirement

Subject to FD value five times of AMB requirement

Physical Debit Card

Virtual Debit Card

YES – Visa Platinum


Default Physical Debit Card


(on request only)


Upgrade Card Available



Offer on availing Addon-products from YES BANK

FD OD facility



Lockers facility

Locker – Up to 10% waiver for 1st year

Locker – Up to 30% waiver for 1st year

Demat facility

Demat - 10% AMC waived off for 1st year

Demat - 30% AMC waived off for 1st year

Eligibility Criteria & Documents Required

  1. You must be an Indian resident

  2. You must be above 18 years of age

  3. You must be physically present in India for account opening

  4. You must keep your PAN and Aadhaar card ready for filling account opening application

  5. Your mobile number should be linked to your Aadhaar Card

Important Points to Remember

  • Post account opening, welcome emailer will be sent with your vouchers by YES BANK

  • You get the option to apply for a physical debit card (chargeable) and cheque book through YES Online after activation of Retail Net Banking facility

  • All the fee & charges will be according to the schedule of charges of Savings Account PRO and Savings Account PRO Plus variants offered by YES BANK. For more details please refer rates & charges section updated on YES BANK website ( Charges are subject to change at the sole discretion of the Bank and will be updated on the Bank’s website. YES BANK Limited has rights to close the account in case of any discrepancy.


The customer understands and confirms that opening of the account and/or availing any services from YES Bank Limited (the “Bank”) shall be subject to the terms and conditions stipulated by the Bank. Bank shall not be liable or responsible for any offers or commitments made by any third party, including any affiliate partner, with respect to any services/products offered by the Bank. The Bank has not authorized any third party to collect any charges/commission/fee for the products/services offered by the Bank and shall not be liable for any such charges/commission/fee charged by such third parties for the same. For any further clarifications or queries or if you have any grievances, you may contact us at

Rates applicable for 18 months to < 24 months tenure & value less than INR 2 Crs. Senior Citizen rates are only applicable to resident customers. Click here to know the latest interest rates on Fixed Deposits.


**For Savings Account Rates & Charges, click here


#1 YES Rewardz is equivalent INR 0.25. YES Rewardz redeemed once cannot be reversed. For detailed terms and conditions on YES Rewardz, please visit:

##On applying & using a physical Debit Card. T&C Apply


Loans at the sole discretion of YES BANK. The Bank may engage the services of agents under control/ service agreement in sales and marketing of its financial products. Terms & Conditions apply.

FAQs on the YES BANK Savings Account

What are the different variants and pricing for YES BANK savings accounts?

Here’s an overview of the various YES BANK Saving Account charges and fees.

Account Variant

Savings Account PRO

Savings Account PRO Plus

AMB Requirement (₹)



Fixed Deposit and overdraft on Fixed Deposit



Instant Virtual Debit Card

Yes, Platinum Visa Debit Card


Virtual Debit Card Shopping Limit



Physical Debit Card

On Request

By Default

Physical Debit Card

ELEMENT Debit Card

ENGAGE Debit Card

Differentiated Limits for ATM/POS transactions (Domestic)



Locker Discounts
(First Year benefits - A & B size locker)

Benefits worth up to ₹450

Benefits worth up to ₹900

Discount on Demat Account - Annual Maintenance Fee



Asset Pricing

Regular rates apply

Preferential Rates will apply

Earn Attractive YES REWARDZ



How do I activate YES ONLINE using my Virtual Debit card?

Follow the below-listed steps,

  • Go to > Login > Retail.

  • Keep your YES BANK Debit Card and PIN handy

  • Enter your Customer ID as Login ID

  • Enter your 16-digit debit card number and PIN

  • Make sure your mobile number is registered with us to receive One Time Password (OTP)

  • Set your password as guided on YES Online screen

How can I open a savings account in YES BANK?

You can open a YES BANK savings account online from the comfort of your home on Bajaj Markets or offline by visiting the bank’s branch.

Invest In Other Products

Attractive interest rates up to 7.00% p.a. | Video KYC-enabled contactless account opening process | Exciting offers and discounts through debit cards Open Account
Loan Offer
Download App