New Delhi [India], December 11: Opening a bank account once meant forms, queues, and repeat visits. Today, the same goal can often be met from a phone in a single sitting, provided the right documents and a steady connection are in place. The result is a shorter, clearer journey that suits busy schedules.
In this article, you will explore the journey from start to finish, documents to keep ready, safety checks to notice, and simple tips that prevent delays.
What Online Account Opening Looks Like Today
Most banks like IDFC FIRST Bank offer a guided process for online account opening, completed through the bank’s website or mobile app. Processes slightly vary by institution, but the overall process is usually similar and easy to follow:
- Select the account type and review key terms and charges
- Enter full name, date of birth, mobile number, and email
- Verify contact details with an OTP sent to the registered mobile number
- Provide PAN and Aadhaar details to complete KYC
- Finish a short video verification if offered
- Review disclosures and give consent before submission
Once verified, credentials for internet banking and UPI can be created, so regular transactions may begin after activation.
How to Open a Digital Bank Account in Minutes
Preparation makes a smooth digital bank account journey even easier. Keep these items handy before starting:
- Aadhaar and PAN, with the mobile number linked to Aadhaar for OTP
- A device with a stable internet connection and a working camera
- A quiet, well-lit space for video verification
- A blank sheet for a signature sample, if requested
- Read the feature list and fee schedule carefully, then choose the account type.
- Enter details exactly as they appear on Aadhaar and PAN to avoid mismatches.
- Keep the camera at eye level during video KYC and speak clearly.
- Add nominee details during the journey to avoid a later update.
- Save the acknowledgement number or reference ID for later.
IDFC FIRST Bank makes digital onboarding simpler with quick, guided and completely remote Know Your Customer verification.
Safety, Documents and Practical Checks
Security features such as encryption, time-bound sessions, and verification prompts are designed to protect customers’ personal data. You can add an extra layer of safety by following these habits:
- Use the official app or official net banking platform
- Avoid public Wi Fi when sharing personal information
- Do not share OTPs or passwords with anyone
- Log out after finishing and clear the screen if using a shared device
- Read the welcome email or kit for limits, fees, and important contacts
If a full KYC step remains to be completed, services may be limited until verification is done. Checking these in advance helps manage expectations.
Quick Tips That Save Time
Here are the quick tips that save time:
- Keep all documents beside you before starting the session
- Use plain backgrounds and good lighting during video KYC
- If a session drops, return through the same link or the app section to resume
- Turn on alerts for balance updates and transactions after activation
- Set up UPI, add beneficiaries, and test a small transfer before larger payments
Robust online banking provided by established institutions like IDFC FIRST Bank, has replaced lengthy branch procedures with a structured, easy-to-follow digital path when documents are ready and connectivity is strong. For account features, eligibility, and the exact steps offered, refer to the official information on your chosen bank’s website.
Moneycontrol Journalists are not involved in creation of this article.
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