Archive · 27 Aug 2026
Online Bank Accounts May Avoid Branch Visits, Requirements Vary
Some banks let people open accounts without going to a branch.
You fill out an application on the bank’s website or app.
You may need to provide identity and address documents.
The bank may check your identity through a video call called video KYC.
IDFC FIRST Bank offers this option for eligible online savings-account customers.
You may still need to visit a branch if your account or verification situation requires it.
Before choosing an account, compare fees, balance rules, interest and digital services.
Never share your OTP, PIN or password with anyone claiming to represent the bank.
Eligible customers may open some bank accounts online without visiting a branch.
Banks may use remote identity checks such as video KYC.
The process usually includes an online application, KYC documents and verification.
PAN, Aadhaar or another accepted KYC document, a registered mobile number and address details may be required.
Customers should compare account terms and use only official bank websites or applications.
- Who
- Eligible customers and banks that offer digital account onboarding.
- What
- Opening a bank account remotely through an online application and, where available, video KYC.
- When
- The articles do not specify a particular date or time.
- Where
- Through the bank’s official website, application or authorised remote-verification channel.
- Why
- To allow eligible customers to complete account opening without a physical branch visit.
- Eligibility
- Branch-free opening depends on the bank, account type, customer eligibility and verification requirements.
- Verification
- Banks may use remote methods such as video KYC.
- Common documents
- PAN, Aadhaar or another accepted KYC document, a registered mobile number, address and personal details may be requested.
- Video KYC requirements
- IDFC FIRST Bank’s online savings-account video KYC process requires access to a camera, microphone and relevant verification details.
- Possible branch visit
- Some applications or circumstances may require additional verification or a physical branch visit.
- Account comparison
- Customers should compare interest rates, minimum balances, service charges, digital facilities, transfer options, transaction limits, support and eligibility.
- Safety
- Applicants should use only official bank channels and never share OTPs, PINs, passwords or other authentication details.