Opening a savings bank account is quite routine as it helps you store your cash and earn returns on your idle funds. Along with that, you enjoy a great degree of liquidity with savings accounts.


Many financial institutions offer a diverse range of savings accounts that you can choose from. Among the most popular ones is the YES BANK Savings Account. Whether it’s convenient access to funds, convenient digital banking services or lucrative interest rates, YES BANK offers it all.


Read on to know more about the different savings account types, the interest rates, minimum balance terms, and more. 

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 debit card

3. Free insurance and protection cover linked to debit card

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

1. Higher cash withdrawal and spending limit

2. Unlimited free cash withdrawal facility at all YES BANK ATMs

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

1. Opportunity to earn 8,000 reward points in first 90 days of account opening itself

2. Earn up to 16,000 reward points on in a year

  • Other exclusive YES BANK Savings Account features include

1. Offers on Demat account opening

2. Discount on locker facility

3. Free cheque book containing 25 leaves (once in a year on request only) 

YES BANK Savings Account Benefits

Health Benefits

  • 3 months of free access to a premium subscription worth ₹1,497 on India's most loved health app - walk your way to a better health and amazing rewards

  • Free health check-up worth ₹1,000

  • Merchandise discount voucher worth ₹1,000

  • Nutritionists and customised workout plans - Free smart coach plan worth ₹1,499

  • Get Health + Wealth Benefits worth ₹7,500 (vouchers) with a YES BANK Savings Account

Wealth Benefits

  • Up to 7% p.a. interest on savings account

  • Earn up to 16,000 YES Rewardz

  • Lifestyle benefits worth up to ₹1.17 Lakhs on debit card

Service Benefits

  • True anywhere banking facility – Free banking across all YES BANK branches

  • Free SMS alert facility for PRO Plus Savings Account variant

  • Free email statement and passbook facility

  • YES ROBOT and WhatsApp Banking: 24*7 personal banking assistant to create fixed deposits, pay bills, send money, do recharges, or check balances

Transaction Benefits

  • 24*7 easy access to account detail using YES BANK digital channels like YES ONLINE, YES Mobile, YES ROBOT, and YES BANK WhatsApp Banking

  • Free NEFT/ RTGS & IMPS transfers through YES ONLINE and YES Mobile

  • Free UPI transactions through YES Mobile


Customers can also opt for YES Premia & YES FIRST program, subject to fulfilment of program eligibility criteria.

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YES BANK Savings Account Interest Rates

Here is an overview of the various interest rates applicable to different amounts.

Account Balance

Interest Rate

Under ₹1 Lakh


> ₹1 Lakh to < ₹5 Lakhs


> ₹5 Lakhs to < ₹10 Lakhs


> ₹10 Lakhs to < ₹5 Crore


> ₹5 Crores to < ₹25 Crores


Disclaimer: The above savings account interest rates are effective from 2nd November 2022 for YES BANK are subject to change at the bank’s discretion.


Types of YES Bank Saving Accounts

Given below is an overview of the various types of YES BANK savings accounts.

1. YES Digital Savings Account

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

  • Video KYC and contactless account opening processes
  • Nil brokerage fees on trading up to ₹5 Lakhs


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


Product Features of a Free Virtual Debit Card


Feature / Value

Debit Card type (on VISA Platform)

Visa Platinum

Debit Card Fee


Card Replacement Charges


Debit Card Limits (e-com Transactions)

  • Domestic E-com limits: ₹50,000

  • International limits: ZERO

Insurance and Protection Cover

  • Lost Card Liability: ₹50,000

  • Purchase Protection: ₹25,000

  • Personal Accident: ₹2,00,000

  • Air Accident Death: N/A

Cross Currency Mark-up


Welcome Aboard Offers + Welcome Bonus Points on Activation & Special occasions (proposed) – Powered by VISA


Rewards Structure

  • 1x domestic spends

  • 4x international spends

YES CART Cashback Offer

3% cashback on purchases made through YES CART

Debit Card & Allied Product Offers

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

Subject to FD value

Physical Debit Card

Virtual Debit Card

YES – Visa Platinum


Default Physical Debit Card


(on request only)


1st Year benefit (₹)



Upgrade Card Available



Offer on availing Addon-products from YES BANK

FD OD facility



Lockers facility

Locker - 10% waiver for 1st year

Locker - 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

  • You must be an Indian resident

  • You must be above 18 years of age

  • You must be physically present for account opening

  • You must keep your PAN and Aadhaar cards ready for filling account opening application

Important Points to Remember

  • Post account opening, welcome emailer will be sent to the customer

  • No welcome kit will be issued to the Savings Account PRO customer

  • Virtual debit card will be issued to the customer by default

  • The customer will have the option to choose a physical debit card and cheque book through YES ONLINE after activation of Retail Net Banking facility

  • Till the time Initial Payment (IP) module is not live in the system, account will be opened without IP

  • Once IP module goes live, customer has to pay min ₹10,000 at the time of account opening without which system will not allow customer to proceed with account opening application


Note: 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.

FAQs on the YES BANK Savings Account

 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 Rewards



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

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.

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