How to Open a Savings Account Using Video Banking

Opening a savings account used to mean standing in queues, carrying documents, and taking time off work. Not anymore.

AU Small Finance Bank changed that permanently when it launched India's first video banking service  a fully digital, paperless way to open a savings account from anywhere in the country, at any time, using just your phone or laptop.

Whether you are at home, at your office, or travelling, you can now complete your savings account opening in minutes  no branch visit required, no physical paperwork, no waiting.
 

What is Video Banking?

Video Banking is AU Small Finance Bank's pioneering digital channel that lets customers interact with a live banker over a secure video call  exactly like an in-branch experience, but entirely online.

It uses the RBI-approved Video-based Customer Identification Process (V-CIP) to verify your identity in real time. This means your KYC is completed during the video call itself, so your account is activated faster.
 

What You Need Before You Start

Keep the following ready before you begin the process:

• A smartphone or laptop with a working camera and microphone
• A stable internet connection
• Your Aadhaar Card (linked to your active mobile number for OTP verification)
• Your PAN Card
• A blank sheet of paper and a pen (for signature capture)
   

How to Open a Savings Account Using AU Video Banking: Step-by-Step

Step 1: Access AU Video Banking

Visit the AU Small Finance Bank website or open the AU 0101 App on your smartphone. Navigate to the Video Banking section and select "Open Savings Account". You can also call 1800-1200-1200 and a banker will guide you through the process.

Step 2: Enter Your Basic Details

Provide your mobile number and complete OTP verification. Fill in your basic personal information as prompted on the screen.

Step 3: Join the Video KYC Call

A trained AU Small Finance Bank video banker will connect with you on a live, encrypted video call. Ensure your face is clearly visible and that you are in a well-lit location. You must be physically present in India during this call.

Step 4: Document Verification

Hold your Aadhaar Card and PAN Card clearly in front of the camera. The video banker will capture images of your documents. Your Aadhaar details will be verified instantly via an OTP sent to your registered mobile number.

Step 5: Signature Capture

Sign on a blank piece of paper and hold it up to the camera. The banker will capture your signature digitally  no physical form submission is required.

Step 6: Account Activation

Once your video KYC is successfully completed and verified, your savings account is activated. Your Debit Card and cheque book will be dispatched to your registered address within 15 to 20 working days.

Benefits of Saving with AU Small Finance Bank

When you open a savings account with AU Small Finance Bank, you get more than just a place to keep your money:

• Earn more on your savings: AU Small Finance Bank offers attractive savings rates, helping your balance work harder for you.
• 24/7 banking access: Manage your account anytime via the AU 0101 App or NetBanking transfers, bill payments, and more at your fingertips.
• Contactless Debit Card: Use your AU Debit Card for secure contactless payments up to Rs. 5,000 per tap.
• Domestic airport lounge access: Select savings account variants include complimentary domestic lounge access.
• Paperless and instant: The entire account opening journey is digital  no physical documents, no branch queues.
• India's first video banking service: Be part of a banking innovation that has changed how millions of Indians bank.
   

Who Can Open an Account Using Video Banking?

AU Small Finance Bank's Video Banking is designed to be inclusive and accessible for all:

• Working professionals who cannot visit a branch during office hours
• Senior citizens and differently-abled individuals who find branch visits difficult
• Students and first-time account holders looking for a fast, simple process
• Residents of smaller towns and cities where bank branch access may be limited
• Anyone who values convenience and wants banking on their own terms

Frequently Asked Questions

1: Is video KYC safe for opening a bank account?

A: Yes. AU Small Finance Bank's Video Banking uses RBI-approved V-CIP technology with end-to-end encryption. The session is recorded and stored securely. You are always connected to a verified AU Bank employee.

2: How long does the video KYC process take?

A: The video call typically takes 5 to 10 minutes. Once the call is complete and verification is approved, your account is activated promptly.

3: Can senior citizens use video banking to open an account?

A: Absolutely. Video Banking is ideal for senior citizens as it eliminates the need to travel to a branch. You just need a smartphone or laptop with a camera and a stable internet connection.

4: What if I face a technical issue during the video call?

A: If the call drops or you face connectivity issues, you can reconnect and resume the process. AU Bank customer care at 1800-1200-1200 is available 24/7 to assist.

5: Is there a minimum balance requirement mentioned during video banking?

A: Minimum balance requirements vary by account type. Your AU Bank video banker will explain the specific terms applicable to the account you are opening.

Ready to Open Your Account?

Start your savings account opening journey today from the comfort of your home. All you need is 10 minutes and your phone.

Open your savings account now via AU Video Banking Or download the AU 0101 App from the Google Play Store or Apple App Store to access Video Banking and over 200 banking services  all from your smartphone.

Disclaimer: Account opening is subject to KYC verification and AU Small Finance Bank's terms and conditions. Interest rates and product features are subject to change. Please visit au.bank.in for the latest information on savings account interest rates and features.