NRO Savings Account FAQs

An NRI is an Indian citizen who stays outside India:
(a) for purposes of carrying out employment or any business or vocation;
(b) under circumstances indicating an intention to stay outside India for an uncertain duration;
(c) any Indian citizen deputed outside India for a temporary period in connection with employment.

A citizen of a foreign country (other than a citizen of Bangladesh or Pakistan) is a PIO if
(a) he/ she at any time held an Indian passport; OR
(b) he/ she or either of his/ her parents or any of his/ her grandparents was a citizen of India; OR
(c) spouse (not being a citizen of Bangladesh or Pakistan) of an Indian citizen or (a) or (b) above.

Following types of bank accounts can be opened:
(a) Non-resident External (NRE)
(b) Non-resident Ordinary (NRO)
(c) Foreign currency Non-resident (FCNR)

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You can open an NRO Savings Account by applying online. Click on link below and our customer service representative will call you back in next 15 minutes to assist you in opening an account.

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Please click here to know the documentation requirements for opening an NRO Savings Account.

When you attain non-resident status, you must re-designate your resident account to an NRO (Non-Resident Ordinary) account.

The minimum amount for opening an NRO Savings Account is 15,250.

W.e.f. August 19,2017 , interest for all rupee savings accounts will be calculated on the daily closing balances maintained in the account. Interest will be paid at 4% per annum ( for end of day balances equal to or above INR 50 lacs ) and 3.50% per annum (for end of day balances below INR 50 lacs). Interest so calculated is rounded off to the nearest rupee, ignoring fractions of a rupee.

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The principal amount is not repatriable and can be used only for local payments. However, the interest earned is fully repatriable. Other current incomes such as pensions, dividends, rent, etc are also repatriable, subject to producing the appropriate certificate from a chartered accountant.

Funds up to USD 1 million (or equivalent) per financial year can be repatriated out of the balance held in NRO accounts for any bonafide purpose subject to satisfying documentation requirements

Yes

Yes, you can open your account with INR or any convertible foreign currency. We will convert your currency into INR and open the NRO Savings Account. Your NRO Savings Account will be maintained in only INR.

W.e.f. August 19,2017 , interest for all rupee savings accounts will be calculated on the daily closing balances maintained in the account. Interest will be paid at 4% per annum ( for end of day balances equal to or above INR 50 lacs ) and 3.50% per annum (for end of day balances below INR 50 lacs). Interest so calculated is rounded off to the nearest rupee, ignoring fractions of a rupee.

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Yes. You can hold your NRO Savings Account jointly with other Non-Resident Indian(s) and Resident Indians*. You can also register nomination for this account.

*This can be opened only with relatives and mode of operation shall be as Former or Survivor as per which only the Primary applicant shall have rights for Financial and Non-Financial transactions. Resident joint applicant can be added as mandate holder.

If you have re-designated your resident account to a new NRO account, your Indian salary will be credited to your new NRO account.

You can view your tax credit statement by logging to internet banking. Alternatively,Click here to view your tax credit details directly.

DTAA stands for Double Taxation Avoidance Agreement. Income Tax rates will be as per DTAA (Double Taxation Avoidance Agreement) agreed between India and various countries, in the case of depositor is resident of any of those countries.

You can avail DTAA benefit on your NRO accounts by providing a self-declaration in the prescribed format, self attested PAN card copy, Form 10F and tax residency certificate for the current year.


For more information on DTAA & documents, please call us on our 24-hour Customer Care or write to us through "Email us" option, at our website www.icicibank.com.

Yes. PAN card is mandatory for availing DTAA benefit

Documents need to be submitted at the time of requesting for the DTAA benefit as well as for each year during the tenure of the deposit / account.

Money2India.com is a very convenient, efficient, secure and cost–effective online money transfer tracking service.

Simply complete a one-time instant, online registration for the service at www.money2india.com and start sending money from any bank in over 8 countries to any beneficiary in India.

Over the years of constant engagement with our users, we understand your anxiety during money transfers and our priority is to relieve you of this anxiety by ensuring seamless transfers - with round the clock customer service availability.

Money2India.com is trusted by hundreds of thousands (lacs) of users annually for their money transfer needs to India and continues to be a preferred online and secure money transfer tracking service

For more details go to our website or click here.

To register click here

• Convenience to you – secure transfers from any bank overseas
• Convenience to your beneficiary - wide range of delivery options
  • Electronic transfers into accounts with over 75,000 bank branches in India
  • Electronic transfers into any resident Visa Debit Card issued in India
  • Demand Drafts issued and dispatched to your beneficiary in India
• Online tracking and e-mail updates on status of your money transfers
• Cost efficient and Competitive exchange rates
• 24X7 Service Committment

The Money2India.com service facilitates money transfers to India in 8 currencies from any bank in 8 countries as listed below:

North America: USA (USD), Canada (CAD), Europe: UK (GBP), Sweden (SEK), Switzerland (CHF) Asia: Singapore (SGD), Hong Kong (HKD), UAE (AED)

Asia: Singapore (SGD), Hong Kong (HKD), UAE (AED)

To know more on the Money2India transfer modes in each of the countries, please select your Country of Residence. You can also contact the Money2India Customer Service team for any assistance

Inactive Account Activation: In order to make your account active (from inactive stage) please conduct a transaction by cheque, ATM or by infinity, else visit the nearest ICICI Bank branch in India and submit an account-activation letter.

Dormant Account Activation: In order to normalize your account (from dormant stage), you may use any one of the following channels:

Direct Courier:

Step 1 > Fill the Dormancy Activation Request Form. Click here.

Step 2 > Attach KYC documents

Attach copies of your Address Proof where you wish to receive your communications & first two and last two pages of your valid passport. Please note: You need to sign on the documents. You also need to get it attested by any local Bank/ Notary Authority/ Indian Embassy of your overseas country if you currently reside in a country other than any of the FATF countries. Click here for acceptable list of ID and Address proof documents.

Step 3 > Submit FATCA form (Only if applicable) Click here.

If there has been a change in the country of residence in the last two years, please submit the FATCA / CRS Form along with a copy of your visa.

Step 4 > Send documents:

A) You can use our PO Box services available in USA, Singapore, United Kingdom, UAE, Australia and Canada.

OR

B) Courier documents to :

ICICI Bank Limited,
RPC Mumbai,5th Floor, A-Wing,
Autumn Estates, Chandivali Farm Road,
Chandivali, Next to Chandivali Studio,
Opp MHADA,
Andheri-East,, Mumbai- 400072, INDIA.

You can request for Funds Transfer Online by following the steps below :

• Visit our web site www.icicibank.com
• Enter your Internet Banking user ID and password
• Click on 'Funds Transfer'
• Choose one of the transfer options
• You need to follow the below mentioned steps to register and authenticate your payee:
• Go to specific funds transfer section (Other ICICI Bank Account, Non-ICICI Bank Account or Card-2-Card Funds Transfer) and register a Payee Once payee details have been entered, the registration will be in "Pending Confirmation". No transfers will be allowed to a payee.
• You will receive an email alert along with the Unique Registration Number (URN) You can now login to Internet Banking and confirm the Payee registration by entering URN in the “confirm payee” space provided On successful authentication the status of the Payee registration will be updated from "Pending Confirmation" to "Registration Confirmed" You will now be allowed to transfer funds to the particular Payee for the specific service

Alternatively ,you can also confirm your registered payee by calling our 24-hour Customer Care You can also send a letter with complete funds transfer details, duly signed to our India address:

ICICI Bank Limited,
RPC Mumbai,
5th Floor, A-Wing, Autumn Estates
Chandivali Farm Road, Chandivali
Land Mark:Next to Chandivali Studio, Opp MHADA
Andheri-East,
Mumbai- 400072 INDIA.

If you are an NRI in USA, UK, Canada, Australia, Singapore and UAE, you can simply post your documents to the local P.O. Box in your respective countries and save on courier charges. You can also visit any ICICI Bank branch in India and submit a letter duly signed for Funds transfer. For any clarification or more information, please call us on our 24-hour Customer Care or write to us through "Email us" option, at our website www.icicibank.com.

Click here to view service charges for NRE / NRO Savings Account.

The minimum Monthly average balance (MAB) required to be maintained is INR 10000 at an account level OR INR 25,000 at Customer ID level.

Customer ID level: Monthly average balance in NRE Savings / Non interest bearing account + Monthly average balance in NRO Savings / Non interest bearing account + Month end balance in Fixed deposit/s and Recurring deposit/s within the same customer ID.

MAB is the sum of the daily balances of your account divided by number of days in that month.

Yes. You can convert your Resident Account to NRO Account.

According to FEMA guidelines, when an individual changes his residential status from 'Resident' to 'Non-Resident', he must re-designate his resident account as an NRO (Non-Resident Ordinary) account. Along with the NRO account you can open NRE account.

To re-designate your Resident account, fill in the account opening form and submit the relevant documents along with the address proof to our India address:

ICICI Bank Ltd
NRI Remote RM Channel, 4th Floor, A wing
"Autumn Estate"
Chandivili Farm Road
Chandivili, Andheri (East)
Mumbai-400072
INDIA

Click here to print the Conversion Letter and download the Account Opening form.

Note:
After re-designation of your resident savings account to NRO savings account, the account number will remain the same and funds from resident savings account will automatically be transferred to NRO savings account Rs.250 included in the account opening funds are the charges for sending the initial account opening deliverables If the total balance under your customer ID is less then Rs.25000, we request you to send an account opening cheque of atleast Rs.15000 with your application In case of your Indian Address not being changed you would not be required to submit the proof. However, if it has changed you would be required to submit the proof Current (i.e. overseas) address proof is required mandatorily

If you are an NRI in USA, UK, Canada, Australia, Singapore and UAE, you can simply post your documents to the local P.O. Box in your respective countries and save on courier charges.

You can also visit any ICICI Bank Branch in India and submit the conversion request along with the relevant documents.

In case of further queries, please write through Email us or call our 24-hour Phone Banking Services

You can request for a demand draft by applying online through "Service Request" option available in your Internet Banking. Alternatively, you can Click here to fill up the request form, take a printout and mail it to our India address:

ICICI Bank Limited,
RPC Mumbai,
5th Floor, A-Wing, Autumn Estates
Chandivali Farm Road, Chandivali
Land Mark:Next to Chandivali Studio, Opp MHADA
Andheri-East,
Mumbai- 400072 INDIA

If you are an NRI in USA, UK, Canada, Australia, Singapore and UAE, you can simply post your documents to the local P.O. Box in your respective countries and save on courier charges.

You can also visit any ICICI Bank branch in India and submit the ' Demand Draft' Request form. To refer to the updated list of our branches please, Click here

For any clarification or more information, please call us on our 24-hour Customer Care or write to us through "Email us" option, at our website www.icicibank.com. * Charges will be as per applicable service charges.

You can request for your address updation in our records by sending the 'Address Change' request form, signed by the primary applicant along with a valid address proof to our India address :

ICICI Bank Limited,
RPC Mumbai,
5th Floor, A-Wing, Autumn Estates
Chandivali Farm Road, Chandivali
Land Mark:Next to Chandivali Studio, Opp MHADA
Andheri-East,
Mumbai- 400072
INDIA

Click here to download the 'Address Change' form and also refer to the list of valid address proofs.Please ensure you attach the relevant address proof to avoid delay in executing your request.

If you are an NRI in USA, UK, Canada, Australia, Singapore and UAE, you can simply post your documents to the local P.O. Box in your respective countries and save on courier charges.

You can also visit any ICICI Bank branch in India and submit the 'Address Change' request.To refer to the updated list of our branches please Click here

For any clarification or more information, please call us on our 24-hour Customer Care or write to us through "Email us" option, at our website www.icicibank.com.

You can request for a Signature Updation by downloading the 'Signature Change' request form, and send the completed form alongwith relevant documents to our India address :

ICICI Bank Limited,
RPC Mumbai,
5th Floor, A-Wing, Autumn Estates
Chandivali Farm Road, Chandivali
Land Mark:Next to Chandivali Studio, Opp MHADA
Andheri-East,
Mumbai- 400072 INDIA

Click here to download the 'Signature Change' request form. Also attach any one of the following as proof of your changed signature: Any government issued photo identity document having a seal / stamp of government authority as a proof of current signature on the form New signature attested by another Banker / Indian Embassy / Notary If you are an NRI in USA, UK, Canada, Australia, Singapore and UAE, you can simply post your documents to the local P.O. Box in your respective countries and save on courier charges.

You can also visit any ICICI Bank branch in India and submit the ' Signature Change Form'. To refer to the updated list of our branches please, Click here

For any clarification or more information, please call us on our 24-hour Customer Care or write to us through "Email us" option, at our website www.icicibank.com.

You can call our 24 X 7 customer care to get your contact details updated. Please click here for details of our customer care.

You can place the request for 'Update Email Id' by logging into your internet banking. Click here to log in to your internet banking.

For any clarification or more information, please call us on our 24-hour Customer Care or write to us through "Email us" option, at our website www.icicibank.com/nri.

You can register for E-statement facility by applying Online through an option available through Internet Banking. Alternatively, you can click here to download the 'Registration Form' and mail it to our India address:

ICICI Bank Limited,
RPC Mumbai,
5th Floor, A-Wing, Autumn Estates
Chandivali Farm Road, Chandivali
Land Mark:Next to Chandivali Studio, Opp MHADA
Andheri-East,
Mumbai- 400072 INDIA

If you are an NRI in USA, UK, Canada, Australia, Singapore and UAE, you can simply post your documents to the local P.O. Box in your respective countries and save on courier charges. You can also visit any ICICI Bank branch in India and submit the registration form. For any clarification or more information, please call us on our 24-hour Customer Care or write to us through "Email us" option, at our website www.icicibank.com.

For making an outward remittance from your NRO account, please Request letter specifying the necessary details. In addition to this, you have to provide documentary proof of the source of the funds sought to be remitted and C.A. Certificate in Form 15CA and 15CB.
The formats and submission details are available at the Tax Information Network website of the Income Tax Department, at http://www.tin-nsdl.com.
Demand Draft
Wire Transfer

You can place a request for Repatriation from fixed deposit through any of the following modes:

You can request for “Repatriation of Funds” by applying Online through ""Service Request"" option available in your Internet Banking

Alternatively, you can click here to download the request form for 'Outward Repatriation of Funds' and mail it to our India address:

ICICI Bank Limited,
RPC Mumbai,
5th Floor, A-Wing, Autumn Estates
Chandivali Farm Road, Chandivali
Land Mark:Next to Chandivali Studio, Opp MHADA
Andheri-East,
Mumbai- 400072
INDIA.

If you are an NRI in USA, UK, Canada, Australia, Singapore and UAE, you can simply post your documents to the local P.O. Box in your respective countries and save on courier charges.

You can also visit any ICICI Bank branch in India and submit the request. To refer to the updated list of our branches please, Click here

For any clarification or more information, please call us on our 24-hour Customer Care or write to us through "Email us" option, at our website www.icicibank.com.

In case of Fixed Deposit closure wherever currency conversion is involved, w.e.f 1st April 2011, ICICI Bank Ltd. will levy the revised service tax as per the Service Tax Rules (1994) amended by Ministry of Finance (Govt. Of India) vide Notification No. 26/2011 – Service Tax, on 31st March, 2011.Please click here to know the slabwise service tax structure.

* Repatriation of funds will be subject to regulations of relevant jurisdiction as existing from time to time"

Form 15 CB needs to be certified by a Chartered Accountant. To download the form please visit the following link.

On the basis of this certificate, Form 15 CA has to be filled in online at the following link:). The printout generated from this site has to then be signed by the remitter and submitted along with Form 15CB to the branch from where the remittance is being made. The detailed process of filling up the form is also available at the above mentioned site. The filled up form then needs to be produced along with the 15 CB to the branch.

Subject to a limitation of USD 1,000,000, you can repatriate your current income for the current financial year. Current year is the financial year in which the remittance is sought to be made.

In case of NRO account, the joint holder may be resident or non-resident. In case the remittance is being initiated by the resident joint account-holder or the mandate holder, the beneficiary must be the account holder/s. Mandate holder can only repatriate the current income from the NRO account.

The proceeds of sale of property can be repatriated out of NRO account. The property sale deed and purchase deed should be documented and copies submitted to the branch. If the property was acquired as a gift/inheritance then gift deed or Will/Succession certificate/Certificate of probate/Legal Heirship certificate for the deed should be documented and copies submitted to the branch. If the documents are in any language other then English and Hindi, please submit a translated copy of the same along with the vernacular declaration duly notarized.

The amount sought to be repatriated should not exceed the sales proceeds and should be within the limit of USD 1,000,000 per financial year.

Funds from NRO account cannot be transferred to an NRE / FCNR account since funds in an NRO account cannot be repatriated outside India. However, RBI has now permitted transfer from NRO account to NRE account subject to the submission of required documents and subject to total amount of funds transferred to NRE account and/or repatriated abroad through NRO account during this financial year is within the limit of USD One million.

Click here for request letter for transfer of Funds from ICICI Bank NRO a/c to NRE a/c.
Click here for request letter for transfer of Funds from non ICICI Bank NRO a/c to ICICI Bank NRE a/c.

You can request for Account Closure by downloading the 'Account Closure' request form, filling it up and mailing it to our India address: ICICI Bank Limited,
RPC Mumbai,
5th Floor, A-Wing, Autumn Estates
Chandivali Farm Road, Chandivali
Land Mark:Next to Chandivali Studio, Opp MHADA
Andheri-East,
Mumbai- 400072 INDIA.

Click here to download the 'Account Closure' request form. Please note that in case your account is currently in inactive / dormant status, you are required to activate your account before submitting the request for closure.

Click here to download the account activation request form. If you are an NRI in USA, UK, Canada, Australia, Singapore and UAE, you can simply post your documents to the local P.O. Box in your respective countries and save on courier charges.

You can also visit any ICICI Bank branch in India and submit the 'Account Closure' request. To refer to the updated list of our branches please, Click here

For any clarification or more information, please call us on our 24-hour Customer Care or write to us through "Email us" option, at our website www.icicibank.com.

* Charges will be as per applicable service charges.

Cash withdrawal limit of Rs. 25,000 per day and transaction limit (w.e.f. October 1, 2011) of Rs. 50,000 per day at merchant establishments.

For Debit Card annual charges, Cash Withdrawal & Balance Enquiry charges at non ICICI Bank ATM's – Please click here for more information.

You can contact Visa Global Customer Assistance Service. Click here for details.
Toll-Free Number: 1800-345 1345

Yes, a joint account holder can definitely be issued a separate debit card if the mode of operation of the account is other than FRS (Former or Survivor) or JTLY(Jointly).

You can request for an ATM/Debit Card & Pin by applying Online through "Service Request" option available in your Internet Banking.

You can also make an ATM/Debit Card & Pin request for by contacting our 24-hour Customer Care

Alternatively, you can click here to download the request form, and mail it to our India address:

ICICI Bank Limited,
RPC Mumbai,
5th Floor, A-Wing, Autumn Estates
Chandivali Farm Road, Chandivali
Land Mark:Next to Chandivali Studio, Opp MHADA
Andheri-East,
Mumbai- 400072 INDIA

If you are an NRI in USA, UK, Canada, Australia, Singapore and UAE, you can simply post your documents to the local P.O. Box in your respective countries and save on courier charges.

You can also visit any ICICI Bank branch in India and submit the 'request form'.

* Charges will be as per applicable service charges

You can request to deactivate (Hotlist) your ATM/Debit Card by by applying Online through "Service Request" option available in your Internet Banking. Alternatively,you can also make the request by calling our 24-hour Customer Care You can also visit any ICICI Bank branch in India and submit a request letter.

W.e.f. July 15, 2011, there are no charges for the first five transactions (inclusive of financial and non-financial transactions) in the month. Thereafter, applicable charge is Rs.18 per cash withdrawal (financial) and Rs.8.50 per balance inquiry, pin change and mini statement (non-financial) transactions.

The customer may lodge a complaint with the card issuing bank. This process is applicable even if the transaction was carried out at another banks ATM.

As per the RBI instruction, the issuing bank may re-credit such wrongly debited amounts within a maximum period of 7 working days from the receipt of the customer compliant.

For all such complaints customer may lodge a complaint with the local Banking Ombudsman if the bank does not respond.

Your domestic debit card can be used at any ICICI Bank ATM in India, any other VISA enabled bank ATMs and merchant locations in India.

Cash withdrawal limit of Rs. 25,000 per day and transaction limit (w.e.f. October 1, 2011) of Rs. 35,000 per day at merchant establishments.

If you have opened a new NRO savings account, you would get a VISA domestic debit card which can be used for cash withdrawals in India and for use at merchant locations in India.

International debit card is not issued for NRO accounts because funds in NRO account are not freely repatriable. If you are holding an existing NRO savings account and are using an ATM card, you would need to apply for a domestic debit card by putting up a request for card re-issuance.

You can request for a domestic debit card through any of the following modes: Through phone banking Placing an online request through your Internet banking account Sending the request Online through an option available through Internet Banking.

Alternatively, you can click here to download the 'Registration Form' and mail it to our India address:

ICICI Bank Limited,
RPC Mumbai,
5th Floor, A-Wing, Autumn Estates
Chandivali Farm Road, Chandivali
Land Mark:Next to Chandivali Studio, Opp MHADA
Andheri-East,
Mumbai- 400072
INDIA

If you are an NRI in USA, UK, Canada, Australia, Singapore and UAE, you can simply post your documents to the local P.O. Box in your respective countries and save on courier charges.

You can also visit any ICICI Bank branch in India and submit the registration form.To refer to the updated list of our branches please, Click here

For any clarification or more information, please call us on our 24-hour Customer Care or write to us through "Email us" option, at our website Form either directly to NRI Services Centre, Mumbai or Fax it to us or use our PO Box service. By visiting any of our branches in India

There will be a one time nominal charge of Rs. 375 plus applicable service tax. This charge would not be applicable if the deliverable is to be sent to an Indian address.

Both the domestic debit card and ATM card will allow you to make cash withdrawals at ICICI Bank ATMs in India. The domestic debit card in addition would also allow you to make cash withdrawals at other bank’s VISA enabled ATMs in India and make purchase transactions at all VISA enabled merchant locations in India

You can request for a Cheque Book by applying Online and placing the request through "Service Request" option available in your Internet Banking. You can also make a Cheque Book request by calling our 24-hour Customer Care.

Alternatively, you can click here to download the request form, and mail it to our India address:
ICICI Bank Limited,
RPC Mumbai,
5th Floor, A-Wing, Autumn Estates
Chandivali Farm Road, Chandivali
Land Mark:Next to Chandivali Studio, Opp MHADA
Andheri-East,
Mumbai- 400072 INDIA

If you are an NRI in USA, UK, Canada, Australia, Singapore and UAE, you can simply post your documents to the local P.O. Box in your respective countries and save on courier charges.

You can also visit any ICICI Bank branch in India and submit 'Cheque Book request' form. To refer to the updated list of our branches please, Click here

* Charges will be as per applicable service charges.

You can request for Stop Payment by applying Online through "Service Request" option available in your Internet Banking.

Alternatively, you can make a request by contacting our 24-hour Customer Care

You can also visit any ICICI Bank branch in India and submit a request letter. To refer to the updated list of our branches please, Click here

* Charges will be as per applicable service charges

Yes.You can request for linking your loan account to Savings account by applying Online through "Service Request" option available in your Internet banking.

Alternatively, you can Online through an option available through Internet Banking.

Alternatively, you can click here to download the 'Registration Form' and mail it to our India address:

ICICI Bank Limited,
RPC Mumbai,
5th Floor, A-Wing, Autumn Estates
Chandivali Farm Road, Chandivali
Land Mark:Next to Chandivali Studio, Opp MHADA
Andheri-East,
Mumbai- 400072
INDIA

If you are an NRI in USA, UK, Canada, Australia, Singapore and UAE, you can simply post your documents to the local P.O. Box in your respective countries and save on courier charges.

You can also visit any ICICI Bank branch in India and submit the registration form.To refer to the updated list of our branches please, Click here

For any clarification or more information, please call us on our 24-hour Customer Care or write to us through "Email us" option, at our website Click here to download the request form, and mail it to our India address:
ICICI Bank Limited
Internet Banking Department
6th Floor, A-Wing, Autumn Estates
Chandivali Farm Road, Chandivali
Land Mark:Next to Chandivali Studio, Opp MHADA
Andheri-East,
Mumbai- 400072

If you are an NRI in USA, UK, Canada, Australia, Singapore and UAE, you can simply post your documents to the local P.O. Box in your respective countries and save on courier charges.

You can also visit any ICICI Bank branch in India and submit the 'request form'. To refer to the updated list of our branches please, Click here

For any clarification or more information, please call us on our 24-hour Customer Care or write to us through "Email us" option, at our website www.icicibank.com

Yes.You can request to link all Saving accounts under a single user id by applying Online through "Service Request" option available in your Internet banking.

Alternatively, you can Online through an option available through Internet Banking.

Alternatively, you can click here to download the 'Registration Form' and mail it to our India address:

ICICI Bank Limited,
RPC Mumbai,
5th Floor, A-Wing, Autumn Estates
Chandivali Farm Road, Chandivali
Land Mark:Next to Chandivali Studio, Opp MHADA
Andheri-East,
Mumbai- 400072
INDIA

If you are an NRI in USA, UK, Canada, Australia, Singapore and UAE, you can simply post your documents to the local P.O. Box in your respective countries and save on courier charges.

You can also visit any ICICI Bank branch in India and submit the registration form.To refer to the updated list of our branches please, Click here

For any clarification or more information, please call us on our 24-hour Customer Care or write to us through "Email us" option, at our website click here to download the request form, and mail it to our India address:
ICICI Bank Limited
Internet Banking Department
6th Floor, A-Wing, Autumn Estates
Chandivali Farm Road, Chandivali
Land Mark:Next to Chandivali Studio, Opp MHADA
Andheri-East, Mumbai- 400072
INDIA

If you are an NRI in USA, UK, Canada, Australia, Singapore and UAE, you can simply post your documents to the local P.O. Box in your respective countries and save on courier charges.

You can also visit any ICICI Bank branch in India and submit the 'request form'.To refer to the updated list of our branches please, Click here

For any clarification or more information, please call us on our 24-hour Customer Care or write to us through "Email us" option, at our website www.icicibank.com

You can click here to apply online for reissue of internet Banking Password. Alternatively, You can request for reissue Internet Banking Password by by contacting our 24-hour Phone Banking services. * Charges will be as per applicable service charges.

You can activate the user Id by calling our 24-hour Customer Care service numbers or by sending the duly signed request letter at the below address

ICICI Bank Limited,
RPC Mumbai,
5th Floor, A-Wing, Autumn Estates
Chandivali Farm Road, Chandivali
Land Mark:Next to Chandivali Studio, Opp MHADA
Andheri-East,
Mumbai- 400072
INDIA

If you are an NRI in USA, UK, Canada, Australia, Singapore and UAE, you can simply post your documents to the local P.O. Box in your respective countries and save on courier charges.

You can also visit any ICICI Bank branch in India and submit the duly signed request letter.

If you have forgotten your Internet Banking User ID or have not yet received it, please call our 24-hour Customer Care Centre to get the same.

All you will need to do is authenticate yourself and ask for your User Id. You can also request for a new password if you have forgotten the same.

The password would be couriered to you on your address available with the bank.

Your passwords cannot be given on telephone for security reasons.

How do I add a payee on internet banking to transfer funds

Please Log into Internet banking section on ICICI Bank website.

• Under Funds Transfer section select 'Add Payee'.
• Infinity system would send an URN on your registered email address.
• Please accesses ‘confirm payee’ link on Infinity.
• You will be prompted for the URN.
• On successful validation the payee is added.

No, we do not provide Internet Banking facility on stand alone fixed deposit account

You can subscribe for Mobile Banking by downloading the 'Registration form', filling it up and mailing it with relevant documents to our India address:

ICICI Bank Limited,
RPC Mumbai,
5th Floor, A-Wing, Autumn Estates
Chandivali Farm Road, Chandivali v Land Mark:Next to Chandivali Studio, Opp MHADA
Andheri-East,
Mumbai- 400072 INDIA

Click here to download the Mobile banking registration form.

If you are an NRI in USA, UK, Canada, Australia, Singapore and UAE, you can simply post your documents to the local P.O. Box in your respective countries and save on courier charges.

You can also visit any ICICI Bank branch in India and submit the 'Registration Form'. Please ensure that you carry a valid identity proof when you visit the branch.

For any clarification or more information, please call us on our 24-hour Customer Care or write to us through "Email us" option, at our website www.icicibank.com

You can request for an ATM/Debit Card by applying Online through "Service Request" option available in your Internet Banking.

You can also make an ATM/Debit Card request for by contacting our 24-hour 24-hour Customer Care

Alternatively, you can click here to download the request form, and mail it to our India address:
ICICI Bank Limited,
RPC Mumbai,
5th Floor, A-Wing, Autumn Estates
Chandivali Farm Road, Chandivali
Land Mark:Next to Chandivali Studio, Opp MHADA
Andheri-East,
Mumbai- 400072 INDIA

If you are an NRI in USA, UK, Canada, Australia, Singapore and UAE, you can simply post your documents to the local P.O. Box in your respective countries and save on courier charges.

You can also visit any ICICI Bank branch in India and submit the 'request form'.

* Charges will be as per applicable service charges.

To register a mandate holder for your account, you need to download the request form, fill it and send it to your proposed mandate holder. The Mandate Registration form has to be signed by both the Account holder and the Mandate holder.

Click Here to download the 'Add a Mandate' request form.

The mandate holder then needs to visit an ICICI Bank branch and submit the request form along with the relevant documents.To refer to the updated list of our branches please, Click here

Mandate holder is required to submit a recent photograph and a copies of relevant Identity and Address proof along with the form. The photocopies of the documents have to be self-attested. Also the original documents have to be carried for verification.

For any clarification or more information, please call us on our 24-hour Customer Care or write to us through "Email us" option, at our website www.icicibank.com.

To change the mandate holder on your account, you are required to download the Mandate Updation form, which has to be duly signed by the account holder(s), the existing mandate holder and also the person you wish to appoint as the mandate. (new mandate holder)

The new mandate holder then needs to visit an ICICI Bank branch and submit the request form alongwith the relevant documents.To refer to the updated list of our branches please, Click here

The new Mandate holder is also required to submit a recent photograph and a copies of relevant Identity and Address proof along with the form. The photocopies of the documents have to be self-attested. Also the original documents have to be carried for verification.

Click here to download the 'Update new Mandate in my account' request form.

For any clarification or more information, please call us on our 24-hour Customer Care or write to us through "Email us" option, at our website www.icicibank.com.

A mandate holder is entitled to Operate the NRI account locally
He / she can issue cheques for local payments on behalf of the account holder
He / she can execute all instructions except the following:

Opening / Closure of fixed deposits
Repatriation of funds to anyone other than the account holder
Gifting of funds

To register a Nominee, Click here to download the 'Add a Nominee- DA1 form' ', fill it up and mail to our India address :

ICICI Bank Limited,
RPC Mumbai,
5th Floor, A-Wing, Autumn Estates
Chandivali Farm Road, Chandivali
Land Mark:Next to Chandivali Studio, Opp MHADA
Andheri-East,
Mumbai- 400072 INDIA.

Please Note that :
The nomination form has to be signed by all the account holders and witnessed simultaneously. A witness for the nomination form is mandatory. He / she can be any person known to the account holder as well as the nominee The signature of the nominee is not required on the nomination form. One witness (known to the account holder as well as the nominee) is required to attest thumb impression(s) / sign on the form

If you are an NRI in USA, UK, Canada, Australia, Singapore and UAE, you can simply post your documents to the local P.O. Box in your respective countries and save on courier charges.You can also visit any ICICI Bank branch in India and submit the 'DA1 Form'.

If you still do not wish to register a nominee, please send us a letter cum 'No Nominee declaration'.

For any clarification or more information, please call us on our 24-hour Customer Care or write to us through "Email us" option, at our website www.icicibank.com.

You can download the ' Nominee Cancellation- DA2 form' request and mail it to our India address :

ICICI Bank Limited,
RPC Mumbai,
5th Floor, A-Wing, Autumn Estates
Chandivali Farm Road, Chandivali
Land Mark:Next to Chandivali Studio, Opp MHADA
Andheri-East,
Mumbai- 400072 INDIA.

Click here to download the 'Cancel Nomination in my account – DA2 form'.

If you are an NRI in USA, UK, Canada, Australia, Singapore and UAE, you can simply post your documents to the local P.O. Box in your respective countries and save on courier charges.

You can also visit any ICICI Bank branch in India and submit the Cancel Nomination in my account – DA2 form'.

For any clarification or more information, please call us on our 24-hour Customer Care or write to us through "Email us" option, at our website www.icicibank.com.

You can download the 'Nominee Updation- DA3 form' request form and mail it to our India address :

ICICI Bank Limited,
RPC Mumbai,
5th Floor, A-Wing, Autumn Estates
Chandivali Farm Road, Chandivali
Land Mark:Next to Chandivali Studio, Opp MHADA
Andheri-East,
Mumbai- 400072 INDIA.

Click here to download the 'Update new Nominee – DA3' form.

If you are an NRI in USA, UK, Canada, Australia, Singapore and UAE, you can simply post your documents to the local P.O. Box in your respective countries and save on courier charges.

You can also visit any ICICI Bank branch in India and submit the 'Update new Nominee – DA3' form.

For any clarification or more information, please call us on our 24-hour Customer Care or write to us through "Email us" option, at our website www.icicibank.com.

You can download the 'No Nominee Declaration' , and mail it to our India address :

ICICI Bank Limited,
RPC Mumbai,
5th Floor, A-Wing, Autumn Estates
Chandivali Farm Road, Chandivali
Land Mark:Next to Chandivali Studio, Opp MHADA
Andheri-East,
Mumbai- 400072 INDIA.

Click Here to download the 'No Nominee Declaration'.

If you are an NRI in USA, UK, Canada, Australia, Singapore and UAE, you can simply post your documents to the local P.O. Box in your respective countries and save on courier charges.

You can also visit any ICICI Bank branch in India and submit the 'No Nominee Declaration - D1 '.

For any clarification or more information, please call us on our 24-hour Customer Care24-hour Customer Care or write to us through "Email us" option, at our website www.icicibank.com

Can I nominate more than one person for one account?

No, only 1 person can be nominated for an account

Yes, you can have separate nominations for different accounts.

No, you don't have to go through the same procedure every time. ICICI Bank allows NRIs to give a one-time instruction to make the nominee applicable for all accounts.

From April 1, 2010 Permanent Account Number (PAN) shall be mandatory for Non-Resident Indians to avail benefit of lower tax deduction under Double Taxation Avoidance Agreement (DTAA) treaty. Hence it is advisable to submit your PAN to the Bank.

Please note that it is also essential to update your PAN number with us for getting TDS certificates, repatriating funds from NRO account as well as getting tax credit in your tax pass book for TDS deducted on your NRO accounts.

You can submit a self attested copy of your valid PAN card at any ICICI Bank branch in India or send it by courier or registered post at the following address: ICICI Bank Limited, RPC Mumbai, 5th Floor, A-Wing, Autumn Estates, Chandivali Farm Road, Chandivali. Land Mark: Next to Chandivali Studio, Opp. MHADA Andheri-East, Mumbai- 400072 INDIA.

Please remember to mention your full name & account number.

In case you do not have a PAN card or you have not yet applied for a PAN card, the same may be obtained as per the details given on the following websites:
https://incometaxindiaefiling.gov.in/portal/index.jsp
http://www.tin-nsdl.com
http://www.utitsl.co.in

If you wish to register yourself under DNC, you may visit www.icicibank.com and register yourself under the “Do not call” option present at the bottom of your screen. Please note that we will take 15 days from registration to process your request.

Please note that even if you register under DNC you will continue to receive service level communication viz. account statements, revision of charges etc.

Please write to us mentioning your name, country, telephone numbers (Format: ISD- Area code and number for landline numbers, and ISD- Number for mobile numbers) and email ID. Alternatively, you may email us at donotcallregistry@icicibank.com to register yourself. Please note that we need atleast 15 days from the receipt of your details to process your request.

Please write to us mentioning your name, country, telephone numbers (Format: ISD- Area code and number for landline numbers, and ISD- Number for mobile numbers) and email ID. Alternatively, you may email us at donotcallregistry@icicibank.com to register yourself. Please note that we need atleast 15 days from the receipt of your details to process your request.

An NRI is an Indian citizen who stays outside India:
(a) for purposes of carrying out employment or any business or vocation;
(b) under circumstances indicating an intention to stay outside India for an uncertain duration;
(c) any Indian citizen deputed outside India for a temporary period in connection with employment.

A citizen of a foreign country (other than a citizen of Bangladesh or Pakistan) is a PIO if
(a) he/ she at any time held an Indian passport; OR
(b) he/ she or either of his/ her parents or any of his/ her grandparents was a citizen of India; OR
(c) spouse (not being a citizen of Bangladesh or Pakistan) of an Indian citizen or (a) or (b) above.

Following types of bank accounts can be opened:
(a) Non-resident External (NRE)
(b) Non-resident Ordinary (NRO)
(c) Foreign currency Non-resident (FCNR)

Open an account Now

There is no tax applicable in India on funds lying in your NRE accounts. However, interest earned on NRO account is taxable at the rate of 30% plus applicable cess and surcharge. If the interest exceeds Rs. 5 million during the financial year then an additional surcharge of 10% would also be applicable. For more details on the withholding tax percentage, click here

*Please check tax regulation in your country of residence.

Please refer Para 6.2 of Master Circular on Non- Resident Ordinary Rupee Account for the said regulations.

As per these regulations:

• Interest earned in NRO accounts in current financial year is fully repatriable (after deducting tax). However , funds in NRO account can be repatriated only upto USD one million per financial year subject to submission of the following documents:
  • Form 15 CA - This is an undertaking that needs to given by the account holder.
  • Form 15 CB – This is a document that is to certified by a Chartered Accountant.

On the basis of Form 15 CB (the CA certificate), Form 15 CA has to be filled online. The printout generated from this site has to then be signed by the remitter and submitted along with Form 15CB to the branch from where the remittance is being made.

• Funds transfer request letter ( Funds transfer request letter)
• Document proving source of funds

Please refer Para 5. B of Master Circular on Non- Resident Ordinary (NRO) Account for the said regulations.

As per these regulations:

• Interest earned in NRO accounts in current financial year can be transferred fully (after deducting tax) to NRE accounts. However , the funds in NRO accounts can be transferred to NRE accounts only to the extent of USD one million per financial year. Also, the following documents needs are required to be submitted for such transfers :
  • Form 15 CA - This is an undertaking that needs to given by the account holder.
  • Form 15 CB – This is a document that is to certified by a Chartered Accountant.
  • Funds transfer request letter ( Funds transfer request letter)
  • Document proving source of funds

On the basis of Form 15 CB (the CA certificate), Form 15 CA has to be filled online. The printout generated from this site has to then be signed by the remitter and submitted along with Form 15CB to the branch from where the remittance is being made.

Please refer Para 9 of Master Circular on Non- Resident Ordinary (NRO) Account for the said regulations.

As per these regulations it is mandatory that when you attain non-resident status, you must re-designate your resident account to an NRO (Non-Resident Ordinary) account.

You can re-designate your account in the following ways:

• Online channel : to input your details. We will call you back and help with the processs.
• Branch : You can also visit your nearest branch in India

Please refer RBI Master Circular - Know Your Customer (KYC) norms/ Anti-Money Laundering (AML) standards / Combating of Financing of Terroroism (CFT) / Obligation of Banks under PMLA , 2002 for the said regulations.

As per RBI guidelines , it is mandatory for Banks to periodically update their customer identification data including customer's photograph , identity proof and address proof.

Please click here to know the process for updating you KYC details with us.

You can save tax on interest earned in NRO accounts by means of DTAA (Double Taxation Avoidance Agreement).

In case of cross border transactions, the income may be taxed in the home country (basis tax residency) as well as source country (where income is earned) leading to double taxation of the same income. In order to avoid this double taxation of income, the home and the source country mutually enter into tax treaty generally known as DTAA. As per DTAA, generally the income may be taxed at a lower rate or nil rate in the source country. To avail the benefit of DTAA in India, Tax Residency Certificate (TRC) along with Form 10 F and Permanent Account Number (PAN) is to be furnished. Wherever tax is applicable as per the DTAA, if the PAN is not furnished ,benefit of concessional rate as per the DTAA shall not be available. Income tax rates will be as per DTAA agreed between India and various countries.