FINO Payments Bank Savings Account

What is a FINO Payments Bank Savings Account

A FINO Payments Bank Savings Account lets you keep money safely and use digital banking services for daily needs. You can send money, pay bills, recharge mobiles, and make UPI payments through the FinoPay mobile app. The account may open with simple eKYC using Aadhaar and mobile number at merchant points or branches. Many customers also check FD interest rates to compare returns with savings account options.

FINO Payments Bank Savings Account Interest Rates

The table below shows the current savings account interest rates calculated on the balance slab as per Fino Payments Bank guidelines:

*FINO Payments Bank savings account interest rates w.e.f. December 1, 2025.

Types of FINO Payments Bank Savings Account

FINO Payments Bank brings several savings account options built for varied needs, with basic features and easy access.

1. FinoPay Savings Account

   FinoPay Savings Account allows daily banking through the FinoPay mobile banking app. Customers can move funds, clear bills, recharge mobiles, and send money via IMPS. This platform also supports linking many bank accounts and wallet services inside one app.

2. Gati Savings Account

   A Gati Savings Account can be opened easily with an initial deposit of ₹100. It provides instant account activation and real-time digital payment support. Balances above ₹2 lakh may move to a sweep facility with a partner bank.

3. Shubh Savings Account

    Shubh Savings Account supports regular banking with simple payment and transfer facilities. The account provides immediate debit card access through nearby merchant banking points. Customers can use the account for savings deposits and everyday digital transactions.

4. Gullak Savings Account

    The Gullak Savings Account allows free cash deposit services at nearby merchant banking points. Customers receive a debit card instantly during account opening at service locations. The account also includes insurance protection up to ₹2 lakh.

5. Women Savings Account

    Women Savings Account provides special banking privileges created for women customers. The account includes benefits worth ₹50,000 along with priority customer assistance support. It also offers a specially designed debit card for everyday banking use.

6. Saral Salary Account

    Saral Salary Account supports salary credit directly from employer organisations. Employees can receive salary payments and manage regular expenses through the account. The account also provides easy access to digital banking services and fund transfers.

7. Aarambh Savings Account

    Aarambh Savings Account allows customers to begin banking with basic services and digital access. It enables Aadhaar linking for getting government scheme benefits. Customers may reach banking services through digital channels and merchant banking points.

8. Jan Savings Account

    Jan Savings Account offers basic banking services designed for simple financial needs. Customers can send money, deposit funds, and make payments easily. This account gives digital services through mobile banking and payment channels.

9. Bhavishya Savings Account

    Students can receive government scholarship payments through this account. Scholarship money can be directly credited into the account without delay. Students can also perform digital payments and fund transfers when needed.

10. Suvidha Account

     Suvidha Account supports simple banking without any balance maintenance condition. Customers can send money instantly and perform safe digital transactions. The FINO Payments Bank Zero Balance Savings Account allows transfers up to ₹49,750 per transaction and ₹3 lakh monthly.

Key Features of FINO Payments Bank Savings Account

FINO Payments Bank Savings Accounts provide simple banking facilities with digital payments, debit card access, and easy service availability.

• #FikarNot UPI Experience: FINO Payments Bank offers a simple #FikarNot UPI payment service. Customers can send or receive money through UPI anytime. It supports quick digital payments across many merchants and services.
• Sweep-in FD Facility: This account supports FINO Payments Bank Sweep in FD, where extra balance moves into fixed deposits automatically. Customers can check FINO Payments Bank FD interest Rates to earn better returns on surplus funds.
• Hatho-Hath RuPay Platinum Debit Card: At account opening, customers get a Hatho-Hath RuPay Platinum Debit Card. This card supports easy ATM withdrawals and POS payments. It also includes insurance protection benefits linked with RuPay services.
• Large Merchant Banking Network: FINO Payments Bank runs a large merchant banking network across India. Customers can use banking services through authorised merchant outlets. This allows users to perform basic transactions in many nearby locations.
• Direct Benefit Transfer Support: The account supports government scheme payments through Direct Benefit Transfer. Subsidies and welfare payments are credited directly to the account. This helps customers receive official benefits without delay.

How to Open a FINO Payments Bank Savings Account

A savings account at Fino Payments Bank can be opened via an online request or by visiting a branch.

Online Method

You can request account opening online through the bank's website or digital channels.

• Visit the Official Website: Go to the official website of Fino Payments Bank and open their savings account application page.
• Enter Personal Details: Fill in details such as your name, mobile number, email address, and location information.
• Submit the Online Request: Send the online form and request to open a savings account.
• Wait for Bank Contact: A bank officer may call you to move ahead with account opening.
• Complete Aadhaar Verification: Enter Aadhaar number and mobile number for identity check through eKYC.
• Account Activation: After verification, the bank processes the request and activates your savings account.

Offline Method

You can also open the account by visiting a branch or authorised merchant banking point.

• Visit a Service Location: Go to nearest branch or authorised merchant point of Fino Payments Bank.
• Request Account Opening Form: Ask the service representative for the savings account opening form.
• Fill the Application Form: Add your personal and contact details carefully inside the form.
• Provide KYC Details: Submit Aadhaar number and mobile number for identity verification.
• Submit the Completed Form: Give the filled form and required information to the service representative.
• Account Opening Confirmation: After verification, the bank opens and activates your savings account.

Key Takeaways

Fino Payments Bank Savings Account can be the best savings account option for basic banking needs. It offers interest between 1.50%–4.50% p.a. based on the savings balance slab. Customers enjoy digital payment access, debit card services, and merchant banking support. The account also allows easy opening through Aadhaar verification and assisted banking points across many locations.