AU Small Finance Bank

AU Digital Savings Account

High-interest digital savings with cashback debit card.

Apply on AU Small Finance BankLast updated: 3 June 2026

Key highlights

  • Up to 7.25% interest
  • Zero balance option
  • Lifetime free debit card

Pros & cons

Pros
  • Up to 7.25% interest
  • Zero balance option
  • Lifetime free debit card
Cons
  • Interest rate is variable and can be revised by the bank
  • Some features may need a debit card upgrade with separate fees

Eligibility

  • Indian resident, 18 years or older
  • Valid PAN and Aadhaar for video KYC
  • Smartphone with camera for paperless onboarding

Documents required

  • PAN card
  • Aadhaar (for video KYC)
  • Live selfie via app

Frequently asked questions

How do I open the AU Digital Savings Account?+

You can apply online through the issuer's website. SurfBP links you to the official application form — the final decision rests with AU Small Finance Bank.

Is there really no minimum balance?+

Yes — this product is offered as a zero-balance variant. Some premium debit-card upgrades may carry separate fees; check the issuer's schedule of charges.

Are my deposits safe?+

Deposits up to ₹5 lakh are insured by DICGC for accounts held with RBI-regulated scheduled commercial banks.

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