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    Comprehensive banking solutions with

    Current Account

    1. Instant collections with POS and QR solutions

    2. Empower your business with seamless payments

    3. Get instant Overdraft online with zero collateral, up to Rs 25 lakh

    4. Business Banking made easy with the InstaBIZ app

    5. Expand globally with our 24x7 Import-Export transactions

    OPEN A current ACCOUNT

    Premium Banking

    • Business 360° Banking

    • Wealth Management Current Account Wealth Management Current Account

      Wealth Management
      Current Account

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      Private Banking Current Account

    Business 360° Banking ICICI Bank

    Business 360° Banking

    • Grouping: Enjoy pricing benefits by grouping your Business, Personal and Family Accounts

    • Single view: View & transact using all your linked Current Accounts on Corporate Internet Banking & InstaBIZ

    • CASA pooling: Easy pooling of funds between your Current Account & Savings Account

    • Curated solutions for start-ups and entrepreneurs

    • A wide range of solutions for import-export businesses with 24x7 transactions

    KNOW MORE
    Wealth Management Current Account

    Wealth Management Current Account

    • Business made simple with the InstaBIZ app and Corporate Internet Banking
    • 24x7 import-export transactions through Trade Online along with competitive trade pricing
    • One-stop solution for your business needs of Working Capital Financing, Term Loan, Bank Guarantee and much more
    • Integrated investment platform for your Current Account with Internet Banking
    • Complimentary MasterCard World Debit Card with airport lounge accesses
    • No requirement of maintaining Minimum Average Balance (MAB)

    T&Cs.

    Know more
    Private Banking Current Account

    Private Banking Current Account

    • Industry-first solution for Business Counselling, Treasury Investment Management, Fund Raising, M&A Advisory and many more
    • Dedicated Relationship Team with a Relationship Manager, Product Specialist, Business Banking Specialist and Service Manager
    • Integrated Investment platform for your Current Account with Internet Banking
    • No requirement of maintaining MAB
    • Exclusive Customer Care helpline – 1800 1080

    Everyday Banking

    • Smart Business
      Current Account

    • Roaming Current Account (RCA) Standard

      Roaming Current
      Account Standard

    • GEM Current Account

    Smart Business 2.0 Current Account

    Smart Business Current Account

    • Dynamic limits for cash & non-cash transactions based on the MAB maintained

    • Complimentary NEFT/ RTGS transactions carried out through online modes or at the Branch

    • Seamless banking solutions designed for import-export businesses

    • Expand your business with our exclusive offerings for start-ups to meet unique needs of entrepreneurs

    • Complimentary Gold Business Debit Card

    *T&Cs.

    Know more Apply Now
    Roaming Current Account (RCA) Standard

    Roaming Current Account (RCA) Standard

    • Complimentary online RTGS and NEFT transactions

    • Complimentary cheque collection anywhere across the country

    • InstaBIZ app for all your business banking needs

    • MAB requirement of ₹ 10,000*

    KNOW MOREApply Now

    GEM Current Account

    • Designed specifically for government suppliers, vendors and contractors

    • No minimum balance requirement

    • Free cash deposit up to Rs 50 lakh per month

    • Free NEFT/ RTGS transactions carried out through online modes or at the Branch

    • Express Bank Guarantee

    Know more

    Special Banking

    • Escrow Current Account Escrow Current Account

      Escrow Current Account

    • RERA Current
      Account

    • Exchange Earners’ Foreign Currency Account

    Escrow Current Account

    Escrow Current Account

    • Catering to a wide range of transactions such as property sale-purchase, real estate, mergers & acquisitions, profit sharing etc.

    • Customised solutions for litigation settlement and wealth settlement

    • Quick turnaround for implementation of structure requirements and simplified documentation

    • Quick processing of Escrow Accounts with standardised agreement formats

    • Solutions for digital execution of the Escrow agreements

    • Corporate Internet Banking platform for viewing the Escrow Account

    know more
    RERA Current Account

    RERA Current Account

    • Designed especially for RERA registered residential/ commercial projects and plot development projects

    • Zero charges for opening RERA Accounts

    • Simplified documentation for opening an account

    • Corporate Internet Banking platform, for viewing the RERA Account

    • Customised solutions for RERA projects financed by financial institutions

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    Exchange Earners’ Foreign Currency Account

    Exchange Earners’ Foreign Currency (EEFC) Account

    • A non-interest bearing Current Account opened with Authorised Dealer banks

    • Safeguards foreign currency earnings against exchange rate movements

    • Retain foreign exchange in the currency you earn and use it for later payments, without conversion

    • Online conversion of the EEFC balance to your INR Current Account

    • Can be opened by all categories of foreign exchange earners, such as individuals, companies, proprietorship, partnership, LLP etc. who are residents in India

    • Available in 24 different Currencies

    Know More

    Digital Banking Solutions

    • InstaBIZ app

    • Corporate Internet Banking

    iMobile Pay app
    • 01. All-in-one solution for your daily Business Banking needs
    • 02. Flexibility of multiple payment modes like Fund Transfer, UPI, Pay to Contact
    • 03. Solutions for Import-Export business needs with 24x7 transactions
    • 04. Manage all merchant products and services at one place - InstaBIZ Merchant dashboard
    • 05. Easy online application with instant sanction for Loans and Overdrafts
    • 06. Make timely GST payments
    Internet Banking
    • 01. Manage your everyday Business Banking needs from anywhere
    • 02. Use BizPay360 to make bulk payments to vendors, employees and stakeholders
    • 03. Integrated banking and accounting solutions for easy auto reconciliation
    • 04. Carry out Import-Export transactions 24x7 with Trade Online
    • 05. Maker-checker facility
    • 06. Auto-fetch challans and make error-free GST payments

    Documentation and Charges for Current Account

    Documentation & Eligibility

    To know more about documentation requirement, click here.

    Schedule of Charges

    To know about service charges for Current Account click here.

    Read More

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    Current Account FAQs

    Expand All | Collapse All

    What is a Current Account?

    A Current Account is a Bank Account for people who run businesses. It is designed for carrying out day-to-day business transactions easily.

    The deposit in a Current Account can be withdrawn by the depositor at any time. The depositor is at liberty to operate this account multiple times a day unlike Savings Accounts where only limited transactions are allowed. This account is generally opened by entrepreneurs, firms, companies and traders.

    Click here to open an ICICI Bank Current Account in just a few clicks.

    What are the differences between a Savings Account and a Current Account?

      Savings Account Current Account
    Meaning Meant for savings purpose Meant for business purpose
    Suitable for People who are salaried employees or have a monthly income Firms, companies, traders and entrepreneurs who need to access their accounts frequently
    Transactions allowed Limited transactions Multiple transactions
    Interest earned 3.5% - 4% per annum (usually) No interest
    Minimum Balance Usually low Usually high
    Overdraft facility Not offered/ allowed Overdraft facility provided

    How can I open a Current Account with ICICI Bank?

    Follow the steps given below to open a Current Account with ICICI Bank:

    • Open a Current Account online by clicking here.

    • Open a Current Account by filling the Current Account opening form at any ICICI Bank Branch.

    Is there any interest paid on a Current Account?

    Generally, Current Accounts do not pay interest on your balance. They are focused on facilitating transactions and easy access to funds. If you are looking to earn interest, you may opt for a Savings Account or a Fixed Deposit. 

    Can an Individual Open a Current Account?

    Yes, individuals are eligible to open a Current Account with ICICI Bank. It is useful for those who need to handle transactions and maintain liquidity. The Bank offers both business and individual accounts with different features and advantages.

    Is it possible to have multiple Current Accounts?

    Absolutely. Having more than one Current Account can help manage financial aspects like segregating personal and business transactions. Just ensure that you fulfil the balance criteria for each of your Current Accounts.

    Does the Current Account have an ATM card?

    Yes, a Current Account with ICICI Bank includes an ATM card. With this card, you can withdraw cash, check your balance and carry out transactions at ATMs and point-of-sale terminals.

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