What Is Zero Balance Account?

A savings account with no minimum balance to keep.

Banking

Every bank must offer a Basic Savings Bank Deposit Account (BSBDA) with no minimum balance, a free debit card and a set number of free withdrawals. Many banks also offer zero balance digital accounts and salary accounts.

Check the limits that come with them, such as a cap on deposits or fewer free transactions.

Zero balance accounts

Savings and Banking

Guides in Plain Words

Short reads that explain how it works before you decide.

All Savings and Banking guides

Savings and Banking3 Oct 2026 · 6 min readZero Balance vs Regular Savings Account: Which One Should You Open?A zero balance account never charges you for a low balance. A regular one often comes with more, and with a minimum you have to keep. Here is what each really gives you, what RBI guarantees on a basic account, and how to choose.Read the guide →

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