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At YES BANK, we understand the importance and need of new age digital banking. Thus we bring to you YES Digital Salary Account which is a fully loaded new age digital banking account. It is opened instantly and comes with a free Virtual Debit Card, free online transactions and many lifestyle offers & benefits. You can open a digital account without visiting any YES BANK branch.

Options for Full KYC account (which enables to complete KYC through Video interaction) as well as Limited KYC account* is available

Limited KYC Account – Opened instantly with the below restrictions:

  • Total cumulative credits allowed – INR 2 lacs in a year

  • Maximum Balance allowed at any given point in time – INR 1 lac

  • Time to complete full KYC through branch visit– 12 months

Full KYC Account – Customer has the option to complete Video KYC during the digital journey and can start transacting post completion of Video KYC without any restriction.



key attractions

Instant Account opening

Contactless online hassle free account opening

Free Digital Transactions

Free NEFT, RTGS & UPI transfers through Net Banking & Mobile Banking.
YES ROBOT - 24*7 Personal Banking Assistant to create Fixed Deposits, pay bills, send money, do recharges, check balances.

Free Virtual Debit Card

Lifetime Free Visa Platinum Virtual Debit Card with personal accident, purchase protection & lost card liability cover.

features and benefits

Lifetime Free Visa Platinum Virtual Debit Card

  • No annual fee

  • Lost card liability of INR 50,000

  • Purchase protection of INR 25,000

  • Personal Accident cover of INR 2 lacs

Clcik Here to know more.


Free NEFT, RTGS & IMPS transfers through Net Banking & Mobile Banking

Exciting Offers

INR 16,000 + worth offers on onboarding & activation, powered by VISA.

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Where can I visit to open Digital Salary Account with YES BANK?

Please visit the portal here to initiate the process of account opening


Who can open Digital Salary account through this portal?

Resident Individuals above the age of 18 employed in a corporate empaneled with YES BANK can open Digital Salary accounts through the portal


What should I do after opening Digital Salary Account?

Update your HR with your account number to ensure regular salary credits.


I have an existing relationship with YES BANK, Can I open a new account through this portal?

Currently, only new to YES Bank Customers can open digital salary account through this portal.


Can I open a joint account with my wife/ family?

Only Single holders can open account digitally, for any joint accounts, please visit nearby YES Bank Branch.


What is the balance requirement of YES Digital Salary Account?

Balance requirement of Digital Salary Account is NIL subject to regular monthly salary credits in the account.


What is the Schedule of charges of my Yes Digital Salary Account?


What are the documents required to open the account?

Aadhaar and PAN are mandatory to open Digital Salary Account


Is Mobile number & Email ID mandatory for opening Yes Digital Salary account?

YES, Mobile number and Email ID are mandatory and are authenticated while opening the account.


When would I get my account number and Customer ID?

Customer ID and Account number are provided instantly after submission of completed account opening application on the portal.



What is the time taken to activate my Yes Digital Salary Account?

Limited KYC account with restrictions will be activated once you complete and submit the form in the portal. Full KYC account is activated after successful completion of video KYC.


Which Debit card would I get along with the Yes Digital Salary Account?

Virtual Debit card is issued and sent to your registered email ID. Request for a physical debit card can be placed through Retail Netbanking, Mobile banking or Branch


What is my home branch after opening the salary account?

While the preferred banking branch can be selected while account opening, you can approach any nearby YES BANK Branch for any banking transaction


How do I activate Retail Netbanking using my Virtual Debit card?

Follow the steps below

Go to > Login > Retail. Keep your YES BANK Debit Card and PIN handy.

In Login ID, enter your Customer ID

Enter your 16 digit Debit card number and PIN

Make sure your mobile number is registered with us to receive OTP (one time password)

Set your password as guided on NetBanking screen.


How do I activate Mobile banking using my Virtual Debit card?

Follow the steps below

Visit Play Store and download YES MOBILE

Register using Retail Netbanking Credentials


Register using Debit card number and PIN


Do I get a cheque book along with the Full KYC Yes Digital Salary Account?

For Full KYC Digital Salary account, Cheque book is not issued by default. Request can be placed through Retail Netbanking, Mobile banking or Branch.


Will my Full KYC account be active if my video KYC verification is incomplete?

Full KYC Account will be active only after successful video KYC



What are the restrictions on my YES Digital Salary account – Limited KYC, if KYC verification is incomplete?

  • Total balance in the account cannot be more than Rs 1 Lacs at any point in time

  • Aggregate credits cannot be more than 2 Lacs in a financial year.


Following services will not be provided:

  • Cash withdrawal at branch
  • Fixed Deposit/Recurring Deposit

  • DD/ DD- FCY issuance

  • Cheque issuance/ withdrawal

  • Investment account

  • Fixed Deposit/Recurring Deposit

  • Overdraft facility

  • Sweep in/ out facility

  • Investment in IPO


Above stated services are only provided after completing KYC verification through a Video Call or by visiting any branch and completing face to face KYC verification.


How can I convert my Limited KYC account into a Full KYC account?

You can convert Limited KYC Salary Account into a Full KYC Salary account by visiting any branch and completing face to face KYC verification.


What will happen if I don’t complete Face to Face KYC verification within one year of account opening?

If you are unable to complete the KYC verification within one year of account opening, bank reserves its right to close the account with prior notification


Can I make deposit/withdrawal transactions at any branch without completion of KYC verification?

No, any kind of transactions at Branch is not possible without completion of KYC verification process.


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