Top 5 Zero Balance Bank Accounts to Open Online in 2025
Want to open a bank account without maintaining ₹5,000 or ₹10,000 minimum balance? In 2025, many banks in India now offer zero balance savings accounts with high interest rates, free debit cards, and online KYC.
Here are the top 5 zero balance bank accounts you can open instantly with your PAN and Aadhaar.
1. IDFC FIRST Bank Zero Balance Account
- ✅ Instant online account opening with Aadhaar & PAN
- ✅ No monthly balance requirement (₹0)
- ✅ Up to 7% interest p.a. on savings
- ✅ Free virtual debit card
- ✅ Mobile app for UPI, bill pay & FD
2. Jupiter Digital Savings Account
- 🚀 Powered by Federal Bank
- ✅ No hidden charges or balance fees
- ✅ 1% cashback on spends with Debit Card
- ✅ Smart budgeting tools + Rewards
- ✅ Open in 5 mins on the app
3. IndusInd INDIE Zero Balance Account
- 🏦 Zero balance savings account from IndusInd Bank
- ✅ No minimum balance required
- ✅ Free virtual and physical debit cards
- ✅ Competitive interest rates on savings
- ✅ Easy online account opening with Aadhaar & PAN
4. Kotak 811 Zero Balance Account
- 💳 Digital savings account by Kotak Mahindra Bank
- ✅ ₹0 balance & paperless account opening
- ✅ Free virtual debit card
- ✅ 4% interest p.a. on savings
- ✅ Convert to full KYC anytime
5. Airtel Payments Bank
- 📱 Open via Airtel Thanks app
- ✅ ₹0 balance + no hidden charges
- ✅ 2.5% p.a. interest on savings
- ✅ Cashback on recharge & bill pay
- ✅ Virtual debit card available instantly
🎯 Final Thoughts
Zero balance accounts are the best option if you’re a student, freelancer, or someone who wants zero hidden charges and high interest. All the banks listed here support full online onboarding with video KYC in 2025.
So why wait? Choose your favorite digital bank and open your account in minutes!
🔧 Recommended Banking Tools
- 🏦 Open IDFC FIRST Bank Zero Balance Account
- 📲 Get Jupiter Smart Account – No Charges
- 📈 Invest in FDs via Stable Money
Disclaimer
The content on this website is for informational purposes only and should not be considered financial advice. I am not a SEBI-registered financial adviser. While every effort is made to ensure the accuracy of information, readers are advised to do their own research and consult with a certified financial expert before making any financial decisions. The credit card details, benefits, and offers mentioned may change at any time at the discretion of the issuing bank or institution. This article may contain affiliate links, through which we may earn a small commission — at no additional cost to you.
