Zero Balance Bank Account Offers & Instant Rewards
Open 100% digital savings accounts with zero maintenance balance requirements, high interest yields, and instant virtual debit cards. Claim platform cashback upon initial funding.
Modern Indian banking lets you open and activate a full-featured savings account in minutes through video KYC. Enjoy free NEFT/IMPS transfers, seamless UPI integration, and DICGC deposit insurance up to ₹5 Lakhs per bank.
Bank Accounts Guarantee
Double-Entry Ledger VerifiedFeatured Bank Accounts Deals
Kotak 811 Zero Balance Savings Account
Zero minimum balance required forever with instant virtual debit card
IndusInd Indus Delite Savings Account
Digital savings account with customized account number of your choice
AU Digital Savings Account
High interest savings account with monthly interest payouts
Why Apply Through Funngrow?
Zero Minimum Balance
No penal charges or monthly balance maintenance stress. Keep what you want, when you want.
DICGC Insured Safety
All partner banks are RBI-scheduled with customer deposits insured up to ₹5,00,000 under the DICGC scheme.
Direct UPI Cash Reward
Get cash rewards credited to your Funngrow wallet after completing video-KYC and initial account activation.
How to Claim Your Bank Accounts Rewards
Pick a Partner Bank
Choose the savings account with the best interest rate and debit card features.
Open Online
Click through to the bank’s secure onboarding application.
Complete Video KYC
Complete a brief 2-minute video call with a bank verification agent.
Activate & Earn
Fund your new account via UPI to complete activation and unlock rewards.
To successfully qualify for partner rewards, applications must meet banking and regulatory standards:
- Indian resident aged 18 years or above.
- Aadhaar card linked with active phone number for OTP verification.
- Original physical PAN card handy for video-KYC.
- Smart device with camera and microphone for live face verification.
Frequently Asked Questions about Bank Accounts
Can a bank penalize me if my balance drops to zero in a zero-balance account?
No. Authentic zero-balance accounts (like Kotak 811) have no Average Monthly Balance requirement and do not charge non-maintenance fees.
How fast is video-KYC completed?
Video-KYC takes approximately 2 to 3 minutes. The bank officer verifies your live identity against your PAN card and Aadhaar details.
Related Earning & Financial Guides
Disclaimer: Funngrow is an affiliate and rewards distribution platform. We do not provide banking, lending, or depository services directly. All credit approvals, interest rates, and loan disbursals are at the sole discretion of our regulated partner financial institutions.