The Aadhaar is a 12-digit unique identification number that is issued on behalf of the Government of India. It has your biometric data and demographic details that can be accessed online anytime. However, it is password-protected and completely safe.
The Aadhaar card and number make it possible to complete your identification process quickly and thus aid in opening bank accounts faster. This article will talk about how you can ‘open bank account with Aadhaar card’.
However, if you do not own an Aadhaar card, you can still open a bank account. So, if you are searching for ‘without Aadhaar card bank account open’, we will discuss that as well.
Once you have an Aadhaar card, you don’t need to furnish too many documents as it works as both your identity and address proof. You can ‘open bank account with Aadhaar card’ through the online process by following these steps -
STEP-1: Visit your preferred bank’s website and locate the ‘Savings Bank Account’ option under the ‘Personal Banking’ section.
STEP-2: You will see a button saying ‘Apply Here’ or ‘Click Here to Open an Account’. Once you click on it, you will get further instructions.
STEP-3: Enter your mobile number, email ID, Aadhaar number, and PAN. Make sure to cross-check before submitting these details.
STEP-4: You will receive an OTP to verify your Aadhaar on your mobile number linked to your Aadhaar. Enter the OTP to proceed.
STEP-5: You will then be prompted to enter your personal and professional details. Also, choose the type of savings bank account you want to open.
STEP-6: To complete the account opening process, you will need to do a video KYC. This will speed up the process and remove any transaction limitations.
If you are looking for ‘bank account opening with Aadhaar card’ through the offline process, that can be done too. For that, you need to locate the nearest branch of your preferred bank and visit it with your required documents.
Once there, you can follow these steps -
STEP-1: Request for a Savings account opening application form.
STEP-2: Fill it properly including your current contact information. You can ask for help from the bank officials if you face any problems.
STEP-3: Submit the form along with the required documents like your passport-sized photographs, Aadhaar card copy, PAN copy, etc.
STEP-4: You will be informed about the steps going forward by the bank officials.
Once you furnish your Aadhaar card, your bank account can be opened with minimal documentation. But if you are searching for ‘without Aadhaar card bank account open’, it is not impossible.
The Supreme Court passed a judgment in 2018, saying that the Aadhaar is not mandatory to open a bank account.
You can open a bank account by visiting most major bank branches without your Aadhaar card. You just have to submit other documentation as your identity and address proof that is accepted by the bank.
Let us look at how you can open a bank account without an Aadhaar card. You can follow these steps -
STEP-1: Visit your nearest bank branch and ask for a Savings bank account opening application form.
STEP-2: Duly fill out the form and include your mobile number, email ID, residential address, etc.
STEP-3: Submit photocopies of the necessary documents. You can submit your Driving License, Passport, Voter ID, or NREGA card instead of your Aadhaar card as an identity and address proof.
STEP-4: Submit photocopies of your PAN and any other documents requested by the bank.
STEP-5: The bank will inform you when your bank account is opened via email or SMS.
Please note that opening a bank account without an Aadhaar card may be a time-consuming process.
A bank account is very important in today’s time. Once you open a bank account, you can save money and earn interest on the funds parked in your savings bank account.
You can open a savings bank account easily with your Aadhaar card but it is not a mandatory document. Your driving license, passport, voter’s card, or NREGA card can also act as identity and address proof.
Yes, you can easily open a bank account with an Aadhaar card. Furnishing an Aadhaar card speeds up from account opening process as it acts as both your identity and address proof.
Yes, most major banks allow you to open instant bank accounts in one day. However, you might have to wait for 4-5 working days for your Debit card to be issued.
It normally takes 2-3 working days to link your Aadhaar card to your bank account.
Unfortunately, SBI does not allow opening digital accounts without an Aadhaar card. You need a valid Aadhaar number and a PAN to open an account with SBI online.
If you do not have an Aadhaar card, you can furnish your Voter’s Card, Driving License, Passport, or NREGA card. You will also need your PAN along with one of the documents mentioned above.
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