High Interest. High Savings.
Earn up to 6.75%* p.a. on your Savings Account & receive monthly interest payouts
Get Back with Every Swipe
Pay From Anywhere To Anyone
Transfer money between accounts
Send money to friends and family
Pay one-time and recurring bills
Quick scan and pay with UPI
One Account. Many Benefits.
Paperless banking
Unlimited Online Payments – RTGS, NEFT, UPI, Intra Bank Fund Transfer
Flexible balance maintenance
Feature-Rich Debit Card
Higher daily purchase limit of ₹2,00,000 & cash withdrawal limit ₹25,000*
AU 0101 App
Manage your account and offers in one go
Everything Important, Protected.
Instant card blocking in case of card loss or theft & PIN security
Insurance That Brings Assurance
Things to know
How to apply
You can open an account with us through any of these options:
- Video Banking: You can now open an AU Savings Account through our Video Banking service by clicking here. All you need is your PAN Card & Aadhaar Card
- Visit your nearest branch: Walk into your closest branch with your KYC documents and passport-sized photographs. You can fill in the application form at the branch to get the process started
- Call Customer Care: You can also apply for AU Savings Account by calling our customer care number 1800-1200-1200
Eligibility
To apply, you must:
- Be a citizen of India
- Be 18 years of age or above
- Product is available only for customers in select AU branches
Fees and charges
We, India’s best Small Finance Bank, believe in complete transparency and provide you with a list of charges for the services we offer. Depending on the type of savings account you have opened, these include charges for your debit card, payment and collection services, transactions, and delivery fees. For more details, please refer to our Service Fee Reckoner
Why AU
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National presence
Bank with us through a network of 2,900+ touchpoints .
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Get a bit more
Enjoy quality services at competitive rates.
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Visit branches without the wait
Our ample touchpoints ensure all our customers are conveniently served.
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Superfast app
Manage and track all your transactions on the AU 0101 App.
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Sustained growth
Expanding by every quarter, with a balance sheet of over ₹1 lakh crore.
Bank anywhere anytime, on the AU 0101 mobile app
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View balance and transactions
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![Download account statement]()
Download account statement
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Request cheque book
40+ lakh customers banking on app
Not sure which product is right for you?
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Personal assistance
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No spam
Customer support
24x7 help
Frequently Asked Questions (FAQs)
What is an AU Swadesh Savings Account?
With the Swadesh Savings Account you can embrace a brighter and prosperous future with the power of savings tailored for you. Enjoy high interest rates with monthly interest payouts.
But that’s not all, every spend through debit card & AU 0101 app can yield more savings for you with up to 5% cashback (Max. INR 1,000 per month.)
What is the product criteria for an AU Swadesh Savings Account?
AU Swadesh Savings account provides you the flexibility to maintain balances in Savings accounts or Fixed Deposits. You can maintain an average monthly balance of INR 5,000 in your Savings Account or have a fixed deposit of INR 50,000.
On what debit card transactions will I get cashback?
A customer will get 5% cashback on all transactions done via debit card and on recharges / bill payments done through AU 0101, fuel transactions will be capped at INR 10,000. The cashback will be capped at INR 1,000 p.m.
Product eligibility criteria need to be maintained for the cashback. If a customer does not maintain the product criteria for any particular month, then the customer shall not be eligible for cashback in the subsequent month.
How can I open an AU Swadesh Savings Account?
This account can be opened in select AU Small Finance branches only.
What are the charges for cash deposit and cash withdrawal in AU Swadesh Savings Account?
Cash deposit is free Up To 5 Transactions Or INR 2 Lakhs Per Month, Whichever Is Earlier, Post Which charges will apply. Unlimited cash withdrawal is permitted in AU Swadesh Savings Account.
