How to Open HDFC Bank Zero Balance Account Online: Step-by-Step Guide, Eligibility, Charges, and More

HDFC Bank allows Indian residents to open a zero balance account through various options. You can go to a nearby branch, but this can sometimes be a hassle. Often, the most convenient way is to open a bank account online. You can visit the HDFC Bank website, download the HDFC Bank MobileBanking app from Play Store (Android) or App Store (iOS) or do the same using HDFC Bank’s WhatsApp ChatBanking feature. Zero balance accounts, as the name suggests, do not require users to maintain a minimum account balance. Banks often charge customers a fee if their account balance falls below a certain amount. In this case, zero balance account users do not have to pay a penalty.

The following step-by-step guide helps you open an HDFC Bank zero balance account online without visiting a nearby branch or stepping out of your home.

HDFC Bank Zero Balance Account Eligibility

First of all, you need to meet the following criteria to be eligible to open an HDFC Bank zero balance account online or offline.

1. You need to be a resident of India. (Citizenship is not mandatory)
2. You should not already have a Basic Savings Bank Deposit Account (BSBDA) with HDFC Bank.
3. You must not have an existing banking relationship with HDFC Bank.

HDFC Bank Zero Balance Account Required Documents

The list of documents required to open a zero balance account with HDFC Bank includes:

1. passport
2. Adharka
   (You must show One of the following documents is used for Aadhaar verification: Aadhaar letter issued by UIDAI, E-Aadhaar downloaded only from UIDAI website, Aadhaar secure QR code or Aadhaar paperless offline e-KYC).
3. Voter ID
4. driver’s license
5. job card
6. Letter from the National Population Registry

How to open HDFC Bank zero balance account online

1. Open any internet browser on your phone, laptop or PC.
2. Visit the bank’s website to begin the online application process.
3. Enter the phone number, date of birth and Permanent Account Number (PAN) details associated with your Aadhaar.
4. Agree to the collection and processing of data after reading the terms and conditions.
5. Click Start now.
6. Choose your convenient KYC (Know Your Customer) method.
7. Provide contact, profile information and KYC details. then click submit button.
8. Once the process is complete, you will receive a confirmation message.

How to open HDFC Bank zero balance account through mobile banking

1. Download the HDFC Bank MobileBanking app from Google Play Store or Apple’s App Store.
2. Select your preferred language > click let’s get started.
3. Then click I want to explore button > Select your state and city.
4. Click the menu button represented by three horizontal lines in the upper right corner.
5. Then click savings account > Click Open now.
6. Follow the same process as the online method above.

How to open HDFC Bank zero balance account via WhatsApp

1. Save HDFC Bank WhatsApp Number 7070022222 on your phone.
2. Open WhatsApp > Search HDFC Bank contact.
3. information “Hello” Start HDFC Bank ChatBanking.
4. The chatbot will present you with a preset menu of prompts.
5. Click Open a savings account.
6. Follow the process for the other two methods.

FAQ

1. What is HDFC Bank Zero Balance Account?

There is no minimum account balance requirement for HDFC Bank Zero Balance Account. Therefore, you may not have any money in your bank account without paying the fee.

2. Can I open an HDFC Bank zero balance account using the mobile banking app?

Yes, you can download the HDFC Bank MobileBanking app and open a zero balance account through your mobile phone.

3. What is the WhatsApp number for HDFC Bank ChatBanking?

You can leave a “Hi” message to 7070022222 Start HDFC Bank ChatBanking on WhatsApp.

4. Do I have to be an Indian resident to open an HDFC Bank zero balance account?

You need to be a resident of India and provide valid KYC documents (Aadhaar is the most common option).