Yes Bank Savings Account

A Yes Bank Savings Account is a financial tool designed to store and grow your money. With interest rates up to 5%, it helps you expand your savings and achieve both short-term and long-term financial goals. Yes Bank's online savings account opening includes easy processes, prioritizing your comfort and convenience. Know everything about the Yes Bank Savings Account in the article below.

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Maximum returns Offered by Guaranteed

6.5%**

Fixed Deposits

(by SBI bank)

(5-10 Years)

7.1%***

Public Provident Fund

(other popular options)

(15 Years)
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rating
10.5 Crore
Registered Consumer
51
Insurance Partners
5.3 Crore
Policies Sold
In-built life cover
Get Guaranteed returns upto 7.1%* With Life Cover
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We are rated++
rating
10.5 Crore
Registered Consumer
51
Insurance Partners
5.3 Crore
Policies Sold

Yes Bank Savings Account Interest Rate

Here are the Yes Bank savings account interest rates amounting to ₹ 100 Crs for both domestic and non-resident Indian Rupee (INR) accounts

Balance (₹) Interest Rates (% p.a.) 
Up to Rs. 10 lakhs 3.00%
Rs. 10 lakhs and above to less than Rs. 25 lakhs 3.50%
Rs. 25 lakhs and above to less than Rs. 50 lakhs 4.00%
Rs. 50 lakhs and above to less than Rs. 100 Crs 5.00%

Note: Rates are applicable from April 2025. Interest is calculated on incremental balances per slab, effective October 1, 2023. Yes Bank interest rates are subject to change.

Information About
Fixed Deposits, Guaranteed Return Plans & Debt Mutual Fund
Guaranteed Return Plans, Fixed Deposits &
Debt Mutual Fund
Guaranteed Return Plans
Returns Before Tax
7.1% (TAX-FREE)
Returns After Tax
7.1%
Guaranteed Returns
Yes
Life Cover
Yes
Tax on Profit
Tax Free*
Risk
No Risk
Fixed Deposits
Returns Before Tax
7% (TAXABLE)
Returns After Tax
4.8%
Guaranteed Returns
Yes
Life Cover
No
Tax on Profit
Taxable
Risk
Low Risk
Debt Mutual Fund
Returns Before Tax
8% (TAXABLE)
Returns After Tax
5.5%
Guaranteed Returns
No
Life Cover
No
Tax on Profit
Taxable
Risk
High Risk
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*For annual premium upto ₹5 Lacs

Features of Yes Bank Savings Account

A Savings Account enables you to build financial stability and prepare for future goals. The features of the Yes Bank Savings Account are: 

  • Convenient Account Opening: Experience the easiest and fastest way to open a savings account at Yes Bank through video KYC.

  • High Interest Rate: Yes Bank offers attractive interest rates on its savings accounts, aiming to maximize your savings.

  • Online Banking and Its Perks: Manage your banking activities like fund transfers and bill payments in just a few clicks through Yes Bank's online platforms.

  • YES Rewardz Loyalty Programme: Earn and redeem reward points on travel, movies, and more to make your expenditures more rewarding.

Types of Yes Bank Savings Account

The types of Yes Bank Savings Account are:

Account Type Features Average Monthly Balance (AMB)
YES PRO Max Savings Account It is a premium account that offers significant lifestyle benefits (up to ₹1.17 Lacs), exciting debit card offers, and high reward points for a ₹50,000 average monthly balance. ₹50,000
YES PRO Plus Savings Account The account provides its customers with high returns, an ENGAGE Debit Card with lifestyle benefits, 16,000 YES Rewards in the first year, and discounts on locker/Demat AMC. ₹25,000
YES Essence Savings Account Designed for modern women and offers a customized Debit Card with 2% cashback, 1.5x YES Rewardz, and 100% discount on locker/Demat AMC in the first year. ₹25,000
YES Respect Savings Account Exclusive for senior citizens, offering priority support, a lifetime free ELEMENT Debit Card, and 0.75% additional interest on fixed deposits. ₹25,000
MY First YES Savings Account Keeping in mind to introduce children to banking with a low AMB, the account offers attractive interest rates and customizable debit card withdrawal limits. ₹2,500
YES PRO Savings Account A smart choice for savers with a low AMB, offering up to 8000 YES Rewardz, discounts on locker/Demat AMC, and unlimited access to all Indian bank ATMs. ₹10,000
Pradhan Mantri Jan Dhan Yojana Account Zero-balance account under PMJDY. The account offers a RuPay Debit Card, accidental insurance cover, and facilitating direct benefit transfers (DBT). No minimum balance (Zero Balance Account)
YES Digital Savings Account Provides with secure, instant, and contactless digital account opening via video KYC, with discounts on locker/Demat AMC and nil brokerage from YES Securities. ₹10,000
YES Digital Savings Account - Limited KYC An instant, secure, zero-balance digital account with minimal KYC. Offers basic banking services, a virtual debit card, and digital channel access, though with transaction limits. Nil

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Total Investment

₹500 ₹30L
Enter Total Investment

Rate of Interest (Yearly)

1% 15%
Rate of Interest (Yearly)

Time Period

1 Year 15 Years
Enter Time Period
Total Investment
Interest Earned
Maturity Amount

Documents Required for Yes Bank Savings Accounts

The documents required for a Yes Bank Online Savings Account are minimal, including: 

  • PAN Card 

  • Aadhaar cards 

  • Digital KYC

And the account will be activated instantly.

The bank personnel will inform the documents required for opening a Yes Bank Savings Account at a branch.

Yes Bank Savings Account Opening Procedure

The Yes Bank Savings Account can be opened online and offline.

  1. Online Method:

    Step 1: Go to the Yes Bank official website.

    Step 2: Under the Accounts section, click on the Savings Account dropdown.

    Step 3: Click ‘Open Savings Account Online’.

    Step 4: Fill in your details and click on submit.

    Step 5: Bank personnel will likely contact you to complete the procedure and open your savings account.

    Guaranteed return plan Guaranteed return plan

  2. Offline Method:

    Step 1: Visit your nearest Yes Bank branch.

    Step 2: Request a Savings Account opening form from the bank personnel.

    Step 3: Fill the form with all the required details.

    Step 4: Submit the form with the required KYC documents.

    Step 5: The bank personnel will guide you through the remaining steps to complete the account opening process.

Yes Bank Savings Account Eligibility

In order to open a savings account at Yes Bank, the following eligibility criteria is to be fulfilled by the candidate:  

  • Must be a resident of India.

  • Must be at least 18 years of age.

  • Must have a valid ID.

  • Must have an address proof.

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Yes Bank Savings Account Minimum Account Balance

The Yes Bank Saving Account minimum balance varies significantly by account type. Options range from zero balance accounts for specific digital and welfare schemes, to higher requirements for premium offerings.

Account Type Average Monthly Balance (AMB)
YES PRO Max Savings Account ₹50,000
YES PRO Plus Savings Account ₹25,000
YES Essence Savings Account ₹25,000
YES Respect Savings Account ₹25,000
MY First YES Savings Account ₹2,500
YES PRO Savings Account ₹10,000
Pradhan Mantri Jan Dhan Yojana Account No minimum balance (Zero Balance Account)
YES Digital Savings Account ₹10,000
YES Digital Savings Account - Limited KYC Nil

Yes Bank Savings Account Charges

Service Charge
Minimum Balance Not Maintained Up to ₹1,000 (varies by account type; some accounts are Nil balance)
Debit Card Annual Fee Varies by card type (e.g., ₹99 for Virtual, ₹329 for Element, up to ₹599 for Explore)
Cash Transactions at Branch/BNA (after monthly free limit) ₹5 per/₹1,000 (minimum ₹150)
Sending Money via Branch (RTGS/NEFT/IMPS) ₹2 to ₹40 per transaction (varies by amount and type)
Using other bank ATMs (after 5 free per month) ₹23 for cash withdrawal, ₹10 for balance check
Cheque Book (extra leaves) ₹3 per leaf (after your free annual limit)
Cheque Return (Insufficient Funds) ₹500 (1st time), ₹750 (from 2nd time onwards)
Cheque Return (Other Reasons) ₹350 per instrument
ECS Debit Failure (Insufficient Funds) ₹500 (1st time), ₹550 (from 2nd time onwards)
Account Closure (between 30 days & 1 year) ₹500 (otherwise free)
Lost/Stolen Debit Card Replacement ₹199
Most other common branch services ₹50 - ₹100 (e.g., physical statements, duplicate passbook, stop cheque payment)
All other common services (including online transfers, Yes Bank ATM use, e-statements, UPI, and nomination) FREE

Note: Charges are effective June 2025. For complete and definitive details, please always refer to the official Schedule of Charges provided by Yes Bank or their website.

Get 100% Guaranteed Returns Get 100% Guaranteed Returns
*Trad plans with a premium above 5 lakhs would be taxed as per applicable tax slabs post 31st march 2023
All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply

Why Choose Yes Bank for Your Savings Account?

The Yes Bank Savings Account offers the following advantages: 

  • 24/7 Account Access: View your account details, transaction history, and balances anytime, anywhere.

  • Secure Transactions: Conduct your banking with robust security measures to protect your funds and data.

  • Easy Fund Management: Effortlessly transfer funds between your own accounts or to others.

  • Account Alerts: Receive timely notifications for transactions, balance updates, etc.

  • Free Demand Drafts: Get free Demand Drafts up to a certain limit.

  • Digital Statements: Sign up for free email or e-statements.

  • 24/7 Personal Assistant: Access YES ROBOT, your 24/7 personal banking assistant, for tasks like creating Fixed Deposits, paying bills, sending money, recharges, and balance checks.

To Sum Up

A Yes Bank Savings Account helps you not just keep your money safe, but also grow it. Its liquidity makes it a highly prioritized account option globally. You can easily open the account online with minimal documentation, allowing you to worry less about banking processes and focus on accurate financial planning. This is your first step towards saving.

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FAQs

  • What is a Yes Bank Savings Account?

    Yes Bank Savings Account is a financial tool designed to help you safely store your money and earn interest, supporting both your short-term and long-term financial goals.

  • How can I open a Yes Bank Savings Account?

    You can easily open a Yes Bank Savings Account both online through their official website using video KYC with minimal documents (PAN and Aadhaar), or by visiting your nearest Yes Bank branch.

  • What interest rates does a Yes Bank Savings Account offer?

    Yes Bank Savings Accounts offer competitive interest rates, which vary based on your balance slab. For balances up to ₹10 Lacs, you can earn 3.00% p.a., with rates going up to 5.00% p.a. for higher balances (as of April 2025).

  • Are there different types of Yes Bank Savings Accounts?

    Yes, Yes Bank offers various types of savings accounts tailored to different needs, such as YES PRO Max for premium benefits, YES Essence for women, YES Respect for senior citizens, and zero-balance options like PMJDY and YES Digital Savings Account - Limited KYC.

˜Top 5 plans based on annualized premium, for bookings made in the first 6 months of FY 24-25. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in
* Applicable for Titanium variant of Max Life Smart Fixed-return Digital (Premium payment of 5 years, Policy term of 10 years) and a healthy male of 18 years old paying Rs. 30,000/- monthly (exclusive of all applicable taxes)
** Fixed deposit rate applicable for 5 year's 1 day to 10 years for investment amount less< 2 Crore ( Not for senior citizens).
*** PPF interest rate applicable for 15 years for investment amount upto 1.5 Lac
+ Trad plans with a premium above 5 lakhs would be taxed as per applicable tax slabs post 31st march 2023
#Discount offered by insurance company
## The Guaranteed Returns are dependent on the policy term and premium term availed along with the other variable factors. 7.1% rate of return is for an 18 years old, healthy male for a policy term of 20 years and premium term of 10 years with Rs.10,000 monthly installment premium. All plans listed here are of insurance companies’ funds.
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ
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