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Current Account

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Meet the demanding day-to-day needs of your business

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Current Accounts

Edge Business

Edge Business

Enjoy all the banking benefits, along with efficient value-added services that deliver more than you...

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Prime Business

Prime Business

For every growing business, it is essential to have a range of customised services to go along with its Current...

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Exclusive Business

Exclusive Business

Every established business needs maximum benefits and cost-saving features in their Current Account. Choose this...

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Value Added Business Package

Value Added Business Packages

We at YES BANK understand your business. We strive to value add to your business to not only make banking easier...

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Exclusive Business

TradeBiz Current Account

A current account that is specially crafted to meet the requirements of all business segments focusing on service...

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Xtra Gain Current Account

The XTRA GAIN Current Account allows you to gain from surplus business funds through auto sweep out to create...

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We, at YES BANK, understand the dynamic nature of your business and present to you our comprehensive Current Account solutions with flexible features to address your complete business & financial needs. Our transparent pricing structure, cutting edge banking technology, combined with our expert knowledge-based financial solutions ensure not just efficient transactions but also enables business growth.

For the first time in the industry, YES BANK has introduced a 3-tier structure with auto-upgrade facility and charges based on usage. This ensures transparent pricing and benefits best suited to the scale of your business.


Benefits and features of the three-tier structure of YES BANK Current account:

Option to enroll to any of the following three-tiers:-

  1. Edge Business

  2. Prime Business

  3. Exclusive Business

Edge Business

Prime Business

Exclusive Business

Enjoy all the banking benefits, along with efficient value-added services that deliver more than you expect from a current account.

For every growing business, it is essential to have a range of customized services to go along with its Current Account, for handling high transaction volumes.

Every established business needs maximum benefits and cost-saving features in their Current Account.

With a lower balance expectation, this product is best suited for a new setup or a business with lower volume of transactions.

Choose from the available value-added services linked to business requirements, to sustain the growth of your business.

Choose this premium tier for your business and get the best-in-class services and features to meet all your business needs.

Eligible for revision to Prime Business & Exclusive Business during its Life Cycle

Eligible for revision to Edge Business & Exclusive Business during its life cycle

Eligible for revision to Prime Business & Edge Business during its life cycle

To help you find a banking solution that is customised and designed to complement the growing and dynamic nature of the business. This structure is built to facilitate the customer with smooth day to day banking transactions to prosper their business.

What are the benefits of choosing YES BANK Current Account?

  • Auto revision of features and benefits based upon your account usage: Your YES BANK Current Account will be reviewed on regular basis and will be upgraded or moved to a lower tier based on your banking behaviour

  • Ability to bank at any YES BANK location with no restrictions or additional charge

  • Free payable-at-par cheque leaves

  • Free cash deposit limits based on average balance maintained in current or previous month (whichever is higher)

  • Free usage of Business Debit Cards at ATMs (within India) as well as at merchant establishments and for online payments

  • Free local and outstation cheque collections without limits

  • Free limits on outward cheque returns in select tiers

  • Free internet banking facility and Immediate Payment Service (IMPS) to help you manage and track your balance and account at any time from any part of the world

  • Digital solutions to simplify your business payments and collections


What are the Value Added Services offered by YES BANK?

1. YES MSME Mobile App/Web Portal - One stop digital solution for all your banking needs.

  • Offers unified view of your Current and Savings accounts

  • Helps you make Bulk payments through file upload

  • Provides the convenience of making online payment of Taxes

2. Merchant Services - POS terminals to enable smooth and reliable acceptance of card payments from your customers.

3. Trade Finance Services - Hassle free processing of transactions to help your business meet its needs of import, export and domestic trade and remittances

4. Smart Tally - Enables automated payments and ease of reconciliation for users using Tally 9 and above

5. E-Collect - Enables simplified reconciliation of all online inflows into the account

6. Trade on Net - Secure Web based portal to help you manage a host of trade finance transactions seamlessly from the comfort of your office without having to visit the bank branch

7. CMS Collection Solutions - Customized solutions for handling all your business collections along with MIS reports at minimal cost

8. CMS Payment Solutions - Host of payment solutions to help you track your payments to vendors and clients conveniently. Additionally, you can avail bulk upload facility through Corporate NetBanking for making bulk payments


What is the eligibility criteria & what documents are required to open a Current Account?

With YES BANK, you can open a current account online, in-person at a YES BANK branch or by calling the YES BANK Customer Care – 1800 1200. To be eligible for opening a current account, you can be any of the following:

  • Resident individual

  • Hindu undivided family

  • Sole proprietorship firm

  • Partnership firms

  • Limited liability partnership firm

  • Private and public limited company

For more information on acceptable documents, Click Here


Who can open a current account with YES BANK?

You are eligible to open a current account at YES BANK if you are a resident individual, Hindu undivided family, sole proprietorship firm, partnership firm, limited liability partnership firm, private and public limited companies.


What are the benefits and features of YES BANK current accounts?

Benefits of opening a current account with YES BANK include the signature three-tier current account structure, free cash deposits, value-added banking packages, auto-upgradation policy, free cheque collections and payments across YES BANK branches, free money transfers through online banking. It is important to note that the services and value-added banking services available to you will vary on the tier you opt for.


What are the charges I must pay for the various tiers of YES BANK Current Accounts?

The minimum Average Quarterly Balance required to be maintained is Rs. 25,000 for Edge Business Account holders, Rs. 1 lac for Prime Business Account holders and Rs. 5 lacs for Exclusive Business Account holders. If customers fail to meet this minimum requirement, they will have to pay a non-maintenance charge of Rs. 1,500. Customers can avail free cash deposits (depending on their tier) but if they exceed the appointed limit, they will be charged for the same.


What is the auto-upgrade facility offered by YES BANK and how is this useful for me?

The auto-upgrade facility offered by YES BANK analyses your current account usage dynamically to ensure you have enrolled for the right products and benefits. As a part of the facility you do not have to go through the hassle of applying for or opening a new account in order to avail higher limits or better services: your account is automatically moved to a higher/lower tier based on your banking behaviour. Additionally, even if your account is moved to a lower tier, you will not be penalized with non-maintenance charges.


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