SBI Zero Balance Account: How to Open Zero Balance Account in SBI?

By Mayashree Acharya

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Updated on: Aug 4th, 2025

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4 min read

State Bank of India (SBI) offers a zero-balance savings account to provide hassle-free banking access to individuals without requiring a minimum balance. The SBI zero balance account is ideal for students and first-time account holders. Applicants can complete the SBI zero balance account opening online through the YONO app or visit a branch. These accounts come with free ATM withdrawals, access to UPI, and no monthly maintenance charges. 

In this guide, learn how to open a zero balance account in SBI, eligibility, documents required, and daily transaction limits.

Overview of SBI Zero Balance Account

FeatureDetails
Account Types AvailableSBI Insta Plus, Basic Savings Bank Deposit, Small Account, Minor A/C
Minimum Balance RequirementRs. 0 (No minimum balance required)
EligibilityIndian residents with valid KYC documents
Account Opening ModesOnline via YONO App, Offline at SBI Branch
Daily Withdrawal LimitNo daily limit, but only 4 withdrawals/month (includes ATM & UPI)
UPI Transaction LimitRs. 1,00,000 per day
Documents RequiredAadhaar, PAN, passport photo, proof of address

What is a Zero Balance Account in SBI?

SBI zero balance account is a simple and easy-to-access account. In this type of account, users need not maintain any minimum balance after opening this account. They are allowed to deposit any amount according to their convenience. There is no bar set on the upper limit as well. Unlike other savings accounts, you can operate this account with a zero balance

SBI offers many zero-balance accounts where customers need not maintain a minimum balance. The Zero balance accounts offered by the SBI are as follows:

  • SBI Insta Plus Savings Bank Account
  • Basic Savings Bank Deposit Account
  • SBI Savings Bank Account
  • Basic Savings Bank Deposit Small Account
  • Savings Plus Account
  • Savings Account for Minors

Eligibility Criteria for a SBI Zero Balance Account

Here is a detailed overview of the eligibility criteria mandatory for individuals to meet for SBI zero balance account opening online and offline:

  • Should be an individual applicant
  • Individuals can open singly or jointly
  • Applicant must have an active mobile number
  • Applicants should be 18 years and above
  • Applicants must have valid KYC documents
  • Minors should be above 10 years old to open a minor savings account 

Required Documents for a Zero Balance Account in SBI

SBI zero balance account opening, online and offline, is easy and hassle-free. Make sure to keep the following documents ready to complete the account opening process. Here are the documents required for a zero-balance account opening in SBI:

  • One passport-size photograph
  • Address Proof: Aadhaar card, Passport, Voter ID, ration card, bank statement, etc.
  • ID Proof: Passport, Aadhaar card, PAN card, driving license, etc. 

How to Open a Zero Balance Account in SBI?

SBI offers a wide variety of zero-balance accounts to meet the needs of customers. To open a zero balance account in SBI, users can opt for both online and offline modes. 

Online Mode

Users can complete the SBI zero balance account opening online through the SBI YONO app by following a simple step-by-step process:

Step 1: Download and install the SBI YONO app from the Play Store or App Store to start the zero balance account opening online in SBI.

Step 2: Open the app and click ‘Open Savings Account'. Then, select 'With Branch Visit'. 

Step 3: Click on ‘Apply Now’ and then on ‘Next’.

Step 4: When you have an Aadhaar card, select ‘Open with Aadhaar using e-KYC (Biometric Authentication)’ option. When you do not have an Aadhaar card, select ‘Open with Officially Valid Document (OVD)’ option and click ‘Next’.

Step 5: Enter your mobile number and click ‘Submit’. Enter the OTP received on your mobile number and PAN. 

Step 6: Enter your personal details, income details and educational details and click ‘Submit’.

Step 7: Enter the OTP and submit. Visit the nearest SBI bank branch to complete the document verification process. The officials will open the account after the verification process is completed.

Offline Mode

If you wish to open a zero-balance savings account in SBI through offline mode, you can follow these simple steps:

Step 1: Visit your nearest SBI branch to open a zero-balance account. 

Step 2: Ask for an account opening form and fill out the form with all necessary details.

Step 3: Attach the required documents and review the details you have entered.

Step 4: Submit the form with the documents to the SBI officials.

Step 5: The officials will verify the form and open the account once the verification process is done.

SBI Zero Balance Account Rules

To open a zero balance account in SBI, individuals must complete the KYC verification process. The following rules apply to all applicants who opt for SBI zero balance account opening online or through the offline route:

  • Account holders cannot have any other savings bank account once they open the zero balance account with SBI.
  • If the customer holds any other savings bank account already, it will be closed within 30 days of opening the zero balance account.
  • SBI account users can withdraw cash 4 times a month free of cost. This includes withdrawals from its ATM along with other bank's ATMs and cash withdrawals at the branch. 

SBI Zero Balance Account Withdrawal Limit Per Day

There is no withdrawal limit per day for a zero balance account in SBI. However, account holders are allowed only 4 cash withdrawals in a month. This number, however, considers both UPI and cash withdrawals. 

SBI Zero Balance Account Maximum Limit

Once you open a zero-balance account with SBI, there is no maximum balance limit for customers. However, there are exceptions for specific account types. For the Savings Account for Minors, the maximum balance is ₹10,00,000, while the Basic Savings Bank Deposit Small Account has a balance limit of ₹50,000.

SBI Zero Balance Account UPI Transaction Limit

The UPI transaction limit for SBI's zero-balance accounts is the same as for other savings accounts, set at ₹1,00,000. SBI customers are not allowed to exceed this limit for UPI transactions.

A zero balance account opening online in SBI is ideal for students, salaried individuals, and first-time account holders. It has features like zero maintenance charges, free UPI access, and basic banking facilities. Whether you prefer the SBI zero balance account opening online via the YONO app or visiting a branch, the process is quick and straightforward. Always ensure your KYC is up-to-date for uninterrupted services.

Similar Articles:
1. HDFC Zero Balance Account Opening Online
2. ICICI Bank Zero Balance Account Opening Online
3. Canara Bank Zero Balance Account Opening Online
4. Union Bank Zero Balance Account Opening Online
5. Bank of Baroda Zero Balance Account Opening Online
6. Best Zero Balance Savings Account In India

Related SBI Articles:
1. How to Apply for SBI ATM Card Online and Offline
2. SBI Bank Balance Check Number
3. SBI Mobile Banking
4. SBI FD Calculator
5. SBI FD Interest Rates

Frequently Asked Questions

Can I open a zero-balance account in SBI?

Yes, you can open a zero balance account in SBI, both online and offline mode. 

What is the minimum balance to be maintained in a zero balance bank account?

The minimum balance mandatory to maintain a zero-balance bank account in SBI is zero. 

What is the limit of SBI tiny accounts?

In an SBI tiny account, the maximum balance to maintain is Rs. 50,000, and there is no need to maintain any minimum balance. 

What is the minimum balance in the SBI savings account online?

There is no requirement to maintain a minimum balance in SBI savings account 2024 online. 

What is the SBI zero balance account for students?

SBI offers ‘Saving Account For Minor’ for students below 18 years. Students above 18 years can open any zero-balance account with SBI. SBI zero balance accounts are extremely beneficial. Students can meet their expenses and needs as there is no requirement to maintain a minimum balance in the account. 

How to open a zero balance account in SBI for students?

Students can open zero balance accounts in SBI through online mode, by visiting the branch as well as through college. 

Who is eligible for an SBI zero balance?

The following individuals are eligible for opening a SBI zero balance account:

  • Individuals who have completed valid KYC documents.
  • Individuals above 18 years.
About the Author
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Mayashree Acharya

Senior Content Writer
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I am an advocate by profession and have a keen interest in writing. I write articles in various categories, from legal, business, personal finance, and investments to government schemes. I put words in a simplified manner and write easy-to-understand articles. Read more

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