Power of Zero

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Discover the POWER OF ZERO with a Savings Account with Zero transaction charges and Zero AMB requirement.

YES BANK presents POWER OF ZERO, a savings account which is powered with:

  • Zero transaction charges done through all channels such as:

    • YES BANK Branches

    • YES BANK ATMs as well as any other bank ATMs

    • YES BANK’s digital platforms such as Net Banking & YES Mobile

  • Zero minimum balance requirement*

  • Zero annual fee for RuPay domestic debit card for 1st year

Now enjoy the power to spend without having to pay additional fees and the flexibility to keep your savings account balances at your convenience.

*As long as Fixed Deposit Relationship of INR 50,000 is maintained


Waiver Period for all transaction charges

(w.e.f. account opening date)

Initial Funding Requirement

12 months

INR 1 Lac and above

6 months

INR 25, 000 up to INR 1 Lac

3 months

Less than INR 25,000


key attractions

Zero Charges on ATM Transactions

Enjoy unlimited free ATM transactions at all YES BANK and other bank ATMs during the waiver period

Zero Charges on Cash Transactions

Enjoy unlimited free cash withdrawal and deposits at branches at branches and unlimited free DD/Cheque issuance and usage

Zero Charges on Digital Transactions

Enjoy Unlimited free NEFT/ RTGS & IMPS through Net Banking and YES Mobile

features and benefits

How can you get Zero Balance Savings Account?

  • Default AMB requirement is INR 10,000

  • No minimum balance requirement till any of the following relationship is live in the name of primary account holder of the account

  1. FD of min INR 50,000

  2. Recurring Deposit - Rs. 5,000/- per month (Rs. 3,000 per month for women)

  3. Prime or exclusive Current Account (In case of Sole proprietorship )

  4. Standing Instruction of INR 5,000 for Setting up SIP towards Mutual Fund

  5. YES BANK Retail Loan customer

  6. Credit card customer with active Auto Pay setup towards Credit Card Bill Payment

Why pay additional charges to use your own money in the Savings Account?

Zero transaction charges during waiver period

Following services are offered free of charge during waiver period

All transactions done at any of YES BANK Branches:

  • All Cash deposits and cash withdrawals

  • RTGS/NEFT/Intra Bank funds transfer

  • Demand Draft services: Issuance/revalidation/cancellation

  • Cheque issuance, deposit (cheque collection), stop payment on cheques issued

All Transactions done at any BANK ATMs

  • Cash withdrawals or deposits at YES BANK ATMs/BNAs

  • Cash withdrawals at any other BANK ATMs in India

  • Non-Financial transactions such as balance enquiry at any other BANK ATMs in India

  • Cash withdrawal and Balance enquiry outside India

  • Debit card PIN regeneration

  • ATM transaction decline due to insufficient funds in the account

All transactions done through Net Banking and Mobile Banking (as applicable)

  • RTGS/NEFT/IMPS payments as well as collections

  • Cheque issuance and stop payment

  • Demand Draft services: Issuance/revalidation/cancellation

Basic Banking Services:

  • Banker’s verifications

  • Retrieval of instructions/cheques/charge slips

Please refer Schedule of Charges for more details.


Earn up to 70% ^ more on your Savings

Interest rate of 6.25% p.a. is applicable to balances of INR 1 Crore & above, 6% p.a. for balances of INR 1 lakh up to INR 1 Crore and 5% p.a. for balances up to INR 1 lakh.


^As compared to 3.5% p.a. interest offered by major Indian Banks


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Documents Required

  • POWER OF ZERO Offer Schedule Of Charges
  • Schedule of Charges YES Prosperity Savings Accounts


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