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YES BANK Customizable Savings Account

YES BANK Customizable Savings Account

YES BANK Customizable Savings Account

Account Opening Charges

0

Minimum Balance

10000/ 5000

Interest Rate

6%

Debit Card

  • With this account, customers can choose a debit card as per their requirement and usage.
  • The debit cards that can be taken with this account are Platinum Debit Card, Titanium Plus Debit Card, Titanium Debit Card or RuPay Domestic Debit Card
  • The annual charge for the Debit Card will be based on the card type selected by the accountholder

Product Features

Branch Banking Benefits

Cash Deposit Monthly limit  upto 10 lacs or 10 txns

Free NEFT & RTGS at Branch

 

Digital Banking Benefits

Enhanced Net banking Limits for Primary Holder

Unlimited Free IMPS Transactions

Free Utility Bill Payments

Unlimited Free Transfers ( RTGS & NEFT)

Unlimited ATM usage in India

Unlimited free transactions at YES BANK ATMs

Unlimited free cash withdrawals at other bank ATMs**

Unlimited free Non-financial transactions at all Bank ATMs

 

**If average monthly balance of  Rs.10,000/- is maintained

 

Family Advantage Benefits

Flexibility to maintain balances across accounts

Waiver on Debit card Annual Fee 2nd  year onwards

Offers & Discounts

Total benefits worth 28000* INR in first year of joining

·INR 200 off every month on ticket booked on Bookmyshow

·Complimentary lounge access (1 per quarter)

·50% waiver on annual maintenance charges of Demat account (1st year)

·YES Culinary experience – Dining offers in over 4000 restaurants

 

Yes Bank Personalised Savings account gives all the power to the customers. Be it alternatives to maintain Nil account balance, account packages, type of Debit card, this account gives all choices to the customer. In addition to this, they provide higher interest rates compared to other banking enabling the customers to earn upto 70% more

Standard Savings Accounts in other banks give an interest rate of 3.5% .  In YES BANK, interest rate of 5% p.a. is given for balance below INR 1 lakh, 6% for balance between 1 lakh to 1 crore and 6.25% for balance above 1 crore in the account. In addition to this, YES Bank gives quarterly payout of interest with this account

This account provides multiple options for accountholders to opt for maintaining zero balance in the account without any deductions. They are Recurring Deposit, Fixed deposit or Standing instructions for Mutual Fund

The different cards that customers can choose with Personalised savings account are RuPay card, Titanium Card, Titanium Plus Card and Platinum Debit Card. The charges for each are mentioned below:

  1. YES Prosperity RuPay Domestic Card: INR 99 per annum
  2. YES Prosperity Titanium Card: INR 149 per annum
  3. YES Prosperity Titanium Plus Card: INR 399 per annum
  4. YES Prosperity Platinum Card: INR 599 per annum

Toll free number: 1800 2000

Landline number: +91 22 6121 9000

Q1. What is customizable savings account?

 

This is first of its kind savings account in which the customer can choose the services like debit card, pricing options(alternative to minimum balance requirement),account packages & YES delights.

 

Q2. Which debit cards are available under this savings account and what are their respective joining fee?

 

YES prosperity RuPay Domestic card-INR99 p.a

YES prosperity Titanium card-INR149 p.a

YES prosperity Titanium plus card-INR 399p.a

YES prosperity platinum card-INR599 p.a

 

Q3. What are YES Delights?

 

YES delights are the complimentary offers on the other YES bank products like discount on lockers, etc available to the customers on account opening. These offers will be valid for 90 days from the date of account opening.

 

Q4.What do you mean by pricing options?

 

Pricing options give the customer, the option to choose alternatives to Minimum balance requirement. Investment in FD/ RD /MF or opening CA (Sole proprietor) can be utilized by the customer to get rid off the Average Monthly Balance (AMB) requirement.

 

Q5.Can customizable savings account be offered to minors and HUF?

 

No.The customizable savings account cannot be offered to a minor and HUF. YES delights are the complimentary offers on the other YES bank products like discount on lockers, etc available to the customers on account opening. These offers will be valid for 90 days from the date of account opening.

 

Q4.What do you mean by pricing options?

 

Pricing options give the customer, the option to choose alternatives to Minimum balance requirement. Investment in FD/ RD /MF or opening CA (Sole proprietor) can be utilized by the customer to get rid off the Average Monthly Balance (AMB) requirement.

 

Q5.Can customizable savings account be offered to minors and HUF?

 

No.The customizable savings account cannot be offered to a minor and HUF.

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