ICICI Bank Joint Account: Types, Benefits & How to Open

Key Takeaways
 

• ICICI Bank joint account opening online is available for select savings account variants with simple digital onboarding.
   
• You can learn how to add joint account holder in ICICI Bank online without repeated branch visits in most cases.
   
• Joint accounts help avoid probate and provide immediate fund access to surviving holders.
   

Shared finances build stronger bonds every day. Money matters become simpler when two people manage them together. Joint accounts offer the perfect solution for couples and families. ICICI Bank makes this process incredibly convenient for everyone.

A joint account is like a shared wallet online. Two or more people own and operate it together. Everyone can deposit money and make withdrawals as needed. Each holder has equal rights to access the funds. The account works just like a regular savings account. However, multiple people control it instead of just one.

My wife and I decided to streamline our finances. We explored how to add joint account holder in ICICI Bank online. The process was surprisingly simple and took minimal time. We now manage our household expenses through this account. Both of us contribute our monthly income to it. We track our spending on groceries, bills, and savings. This arrangement has made our financial planning much simpler.

Features & Benefits of ICICI Joint Account

Here’s something interesting: Did you know that shared financial responsibility often strengthens relationships? Joint accounts create transparency and build trust between account holders. Let’s explore what ICICI Bank offers with its joint accounts.

These features make joint accounts a smart choice for partners. They simplify finances and strengthen financial security for everyone involved.

How to Open an ICICI Joint Account?

Every financial journey begins with a single step. The ancient proverb says, “Two heads are better than one.” This rings especially true when you open a joint account. Let’s walk through the simple process of opening an ICICI joint account together.

The process of opening an ICICI joint account is straightforward to follow. Here are the steps to open an ICICI joint account you need to take.

1. Choose the Account Type

You must select an account that suits your needs. The account should offer the features you are looking for. ICICI Bank’s joint account opening online provides various account options. Each type comes with different benefits and services.

2. Check Joint Account Eligibility

You need to check the mandatory eligibility criteria first. ICICI Bank requires you to meet certain requirements. The bank sets specific rules for joint account holders. Make sure you fulfil all the necessary conditions.

3. Gather Documents

You must collect all necessary documents before you apply. Identity proof like Aadhaar or PAN is essential. Address proof is also required for all account holders. Photographs of all applicants must be submitted too.

4. Visit the Branch

All persons opening the joint account should visit together. The bank branch requires everyone to be present. This step ensures proper verification of all holders.

5. Fill in the Application Form

The bank provides a joint account application form. You must complete this form with accurate details. All account holders need to sign the form.

6. Submit Documents

You should submit the filled form with the required documents. The bank verifies all the papers you provide. Make sure every document is complete and clear.

7. Initial Deposit

You need to deposit the required initial amount. Some accounts may require a minimum balance deposit. Others might offer an ICICI Bank joint account opening with zero balance.

8. Account Activation

The bank verifies all your details and documents. Your joint account will be activated once verified. You can start using your account immediately after activation.

ICICI Bank’s joint account opening online makes the process even simpler. You can complete most steps from home now. This saves time and offers greater convenience to applicants.

ICICI Joint Account Eligibility Criteria & Required Documents

ICICI Bank offers joint accounts primarily through savings accounts. The bank also provides joint Demat accounts for investments. Savings accounts can be opened with different operating modes. You can choose “Either or Survivor” or “Jointly Operated” mode.

The right documents ensure a smooth account opening process. ICICI Bank has clear requirements for all applicants. Let’s break down everything you need to know.

You can complete the ICICI Bank joint account opening online easily. The ICICI Bank joint account minimum balance and documentation rules help ensure a smooth application.

ICICI Joint Account Fees & Charges

Here’s a golden rule in banking: Transparency builds trust. Financial guru Warren Buffett says, “Price is what you pay.” You can make smarter banking decisions by understanding the fees. Let’s break down the charges for your joint account.

Check this PDF (https://www.icici.bank.in/content/dam/icicibank/india/managed-assets/docs/pdf/savings-account.pdf) to know about all the charges. 

GST applies to all charges mentioned above. These charges are effective from August 1, 2025.

Conclusion

Joint accounts strengthen financial partnerships beautifully. ICICI Bank makes the process incredibly straightforward and accessible. You can easily manage finances together with transparency. Start your journey by exploring how to add a joint account holder in ICICI Bank online today!

Bonus Tip: Do you know? ICICI Bank has increased the minimum balance for new savings accounts. If you’re opening a joint account, make sure both holders are aware of this change.

FAQs

Q: Can I open an ICICI bank joint account opening zero balance?

Yes, certain account types allow ICICI Bank joint account opening zero balance.

Q: Is it secure to open a joint account in ICICI Bank?

Yes, opening a joint account in ICICI Bank is completely secure. ICICI Bank is one of India’s largest and most trusted private lenders. The bank has a strong presence across the country. It uses advanced security measures to protect all accounts.

Q: How can I remove a deceased secondary holder from my ICICI Bank joint account?

You need to approach your banker with the required documents. Submit the death certificate of the deceased secondary holder. Along with this, provide a written request for deleting the account holder. The bank will process your request and update the account accordingly.

Q: Should couples use an ICICI Bank joint account only for shared expenses while keeping separate salary accounts?

Yes. Many couples keep their salaries in separate accounts and transfer a fixed amount to an ICICI Bank joint account for household expenses. This method maintains financial independence, improves transparency, and simplifies the management of shared and occasional expenses.

Q: Is ICICI Bank a good option for opening a joint account for shared bills?

Yes. ICICI Bank is a good choice for a joint account used for bill payments. A joint savings account with ICICI Bank allows easy auto-debits, online access for both holders, and clear tracking of shared expenses, making bill management simple and organised.

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LoansJagat Team

‘Simplify Finance for Everyone.’ This is the common goal of our team, as we try to explain any topic with relatable examples. From personal to business finance, managing EMIs to becoming debt-free, we do extensive research on each and every parameter, so you don’t have to. Scroll up and have a look at what 15+ years of experience in the BFSI sector looks like.