Best Bank Accounts in India (October 2026)

Open savings and digital bank accounts online. Compare interest rates, features and eligibility.

#1 Best for digital banking 7.6/10

Kotak Mahindra Bank

Kotak811 Super Savings Account

Returns: 3.25% p.a.*
Account opening: Online · ₹10,000 initial funding
Age: 18–60 years

Open fully online with just PAN and Aadhaar
Earn 3.25%* a year on your balance
UPI, fund transfers and bill payments from day one

Apply on Kotak Mahindra Bank site

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#2 Best for international travel 8.1/10

Niyo · Visa

Niyo Global Account and Card

Returns: Up to 7.1% p.a.*
Account opening: Free · ₹500 initial funding
Charges: Lifetime Free

Zero forex markup at Visa exchange rates
Works in 180+ countries
Up to 7.1% a year interest on your savings balance

Apply on Niyo site

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#3 Best for a low-cost digital account 7.0/10

Kotak Mahindra Bank

Kotak811 Classic Savings Account

Returns: 2.5% p.a.*
Account opening: Online · ₹2,000 initial funding
Age: 18–60 years

Open fully online with PAN and Aadhaar
Start with just ₹2,000 initial funding
Earn 2.5%* a year on your balance

Apply on Kotak Mahindra Bank site

Full review → Compare

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