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1. Instant account openings
2. No minimum balance
3. Free digital payments using scan & pay

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Banking on the go with FinoPay App

1. What is a FinoPay Savings Account?

   FinoPay Digital Savings Account brings you great benefits and features to help you save and grow your money. The account comes with a free Personalised Platinum RuPay Debit card and no commitment to maintain any minimum monthly average balance, all at a nominal annual subscription fees.

2. Who is eligible to open a FinoPay Savings Account?

   FinoPay Savings Account can be opened only by an individual resident of India and age between 18 to 55 years.

3. How can I open a FinoPay Savings Account?

   You can open FinoPay Savings Account through the option available in the FinoPay App or our website, links are given below:
   To download the app: fino payment bank
   Through website: fino bank

4. What documents do I need to open a FinoPay Savings Account?

   To open an account you need the following documents:
   - Aadhar Card
   - PAN Card
   - Mobile number linked with Aadhar.

5. What does the Zero Balance feature mean?

   Zero balance means, no need to keep any minimum balance in the account and no extra charges for balance maintenance.

6. Are there any charges for operating FinoPay Savings Account?

   Click here to view the Schedule of Charges associated to a FinoPay Savings Account.

7. What are the different ways I can add money/transfer funds to my account?

   You can add funds to your Savings Account by one of the following ways:
   - Via any other bank’s NetBanking/Mobile app. Simply add your FinoPay account details
   – Account number and IFSC code
   - Depositing a cheque/cash at any of our branches or merchant point
   - Using any UPI app using your UPI ID

8. What are the modes through which I can access and keep a track on transactions in my FinoPay Savings Account?

   We offer multiple methods to track your FinoPay Savings Account. Here are a few ways you can do it:
   - Mobile App (To download, click on the link fino payment bank )
   - WhatsApp Banking (Chat with us on 8657008036 )
   - Monthly Account statements sent to your registered email ID

9. Can I add a nominee to my FinoPay Savings Account? How many nominees can I add?

   Yes, you can add nominee at any point in time and at any given time you can only have a single nominee registered on your account.

10. How can I add a nominee to my FinoPay Savings Account?

    You can add a nominee to your Savings Account in one of the following ways:
    - At the time of opening your Account
    - Our Mobile App

11. Can I have an FinoPay Savings Account in joint mode of operation?

    No, account in joint mode is not allowed.

12. Which Debit Card will I get with my FinoPay Savings Account?

    Free Personalised RuPay Platinum Debit Card loaded with exciting offers and benefits. Click here to know more about our Debit card offers Debit card

13. Is PAN card compulsory for opening Savings Account?

    Yes, as per regulatory guidelines, a PAN card is mandatory to open savings account.

14. What are the benefits of upgrading the account?

    There are multiple benefits of upgrading the account, some of them include exclusive offers and product offerings, no limits on transaction amount and more than we will add from time to time.

15. What is the validity of the FinoPay Savings Account?

    In case you have opened a minimum KYC account (Just with Aadhaar OTP and PAN), you need to upgrade your account within a year or else the account would be closed automatically.

16. How can I upgrade my account?

    Click here to upgrade your account instantly or login to our App and click on Upgrade account.
    Through app - You can also visit our nearest merchant point and upgrade.

17. Can I open FinoPay Savings Account using a mobile number which is not linked to Aadhaar and OTP comes on the number used to open account?

    No, to open FinoPay savings account, the number has to be linked to Aadhaar and your journey will be rejected after entering Aadhaar and OTP received on the mobile number which is not linked.

18. Is PAN card compulsory for opening saving account?

    Yes. As per regulatory guidelines, a PAN card is mandatory to open a savings account.

19. Can I get my debit card on my communication address which is not my permanent address?

    As per process, your debit card would be dispatched on your permanent address.

20. Why to add a nominee to my account?

    Adding a nominee to your account is the smart thing to do. In the unfortunate event of an accident or death, the funds in your account will be transferred to your nominee quickly and easily. You don't have to add a nominee if you don't want to Simply select the I don't wish to add a nominee option while you open your FinoPay Account. You can always change your mind and nominate an individual later.

21. What is FATCA declaration and why i need to make one?

    FATCA stands for the Foreign Account Tax Compliance Act. RBI has made FATCA declaration mandatory for all bank account holders in India. FATCA is a self-certification provided by the bank account holders about their tax residence for their compliace with FATCA