Frequently Asked Questions

An NRI is an Indian citizen who stays outside India:

(a) for purposes of carrying out employment or any business or vocation;

(b) under circumstances indicating an intention to stay outside India for an uncertain duration;

(c) any Indian citizen deputed outside India for a temporary period in connection with employment.

A citizen of a foreign country (other than a citizen of Bangladesh or Pakistan) is a PIO if

(a) he/she at any time held an Indian passport; OR

(b) he/she or either of his/her parents or any of his/her grandparents was a citizen of India; OR

(c) spouse (not being a citizen of Bangladesh or Pakistan) of an Indian citizen or (a) or (b) above.

Following types of bank accounts can be opened:

• Non-resident External (NRE)
• Non-resident Ordinary (NRO)

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You can open an NRE Savings Account by applying online. Click on link below and our customer service representative will call you back in next 15 minutes to assist you in opening an account. 

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Yes, both the principal and interest are repatriable.

Yes. You can hold your NRE Savings Account jointly with other Non-Resident Indian(s) and Resident Indians*. You can also register nomination for this account.

*This can be opened only with relatives and mode of operation shall be as Former or Survivor as per which only the Primary applicant shall have rights for Financial and Non-Financial transactions. Resident joint applicant can be added as mandate holder.

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Cash withdrawal limit of Rs. 25,000 per day and transaction limit (w.e.f. October 1, 2011) of Rs. 50,000 per day at merchant establishments.

For Debit Card annual charges, Cash Withdrawal & Balance Enquiry charges at non ICICI Bank ATM's – Please click here for more information.

NRE Savings Account holders get Smart Shopper Silver Debit Card. If you are not an ICICI Bank customer, you can open a NRE savings account and get Smart Shopper Silver Debit Card.

You can contact Visa Global Customer Assistance Service. Click here

Yes, a joint account holder can definitely be issued a separate debit card if the mode of operation of the account is other than FRS (Former or Survivor) or JTLY(Jointly).

You can request for an ATM/Debit Card and PIN by applying Online through "Service Request" option available in your Internet Banking.

You  can also request for an ATM/Debit Card by contacting our 24-hour Customer Care

Alternatively, you can click here to download the request form, and mail it to our India address:

ICICI Bank Limited,
RPC Mumbai,
5th Floor, A-Wing, Autumn Estates
Chandivali  Farm Road, Chandivali
Land Mark:Next to Chandivali Studio, Opp MHADA
Andheri-East,  Mumbai- 400072
INDIA

If you are an NRI in USA, UK, Canada,  Australia, Singapore and UAE, you can simply post your documents to the local  P.O. Box in your respective countries and save on courier charges.

You  can also visit any ICICI Bank branch in India and submit the 'request form'.To  refer to the updated list of our branches please, Click here

* Charges will be as per applicable service charges.

You can request for an ATM/Debit Card and PIN by applying Online through "Service Request" option available in your Internet Banking.

You can also request for an ATM/Debit Card by contacting our 24-hour Customer Care

Alternatively, you can click here to download the request form, and mail it to our India address:

ICICI Bank Limited,
RPC Mumbai,
5th Floor, A-Wing, Autumn Estates
Chandivali Farm Road, Chandivali
Land Mark:Next to Chandivali Studio, Opp MHADA
Andheri-East, Mumbai- 400072
INDIA

If you are an NRI in USA, UK, Canada, Australia, Singapore and UAE, you can simply post your documents to the local P.O. Box in your respective countries and save on courier charges.

You can also visit any ICICI Bank branch in India and submit the 'request form'.To refer to the updated list of our branches please, Click here

* Charges will be as per applicable service charges.

For service charges related information kindly click here Service Charges.

The customer may lodge a complaint with the card issuing bank. This process is applicable even if the transaction was carried out at another banks ATM.

As per the RBI instruction, the issuing bank may re-credit such wrongly debited amounts within a maximum period of 7 working days from the receipt of the customer compliant.

Yes, effective July 1, 2011, banks shall pay customers a sum of Rs. 100 per day for delays beyond 7 working days (if the complaint is lodged with the issuing bank within 30 days). This compensation shall be credited to the customer's account without any claim being made by the customer.

For all such complaints customer may lodge a complaint with the local Banking Ombudsman if the bank does not respond.

Money2India.com is a very convenient, efficient, secure and cost–effective online money transfer tracking service.

Simply complete a one-time instant, online registration for the service at www.money2india.com and start sending money from any bank in over 8 countries to any beneficiary in India.

Over the years of constant engagement with our users, we understand your anxiety during money transfers and our priority is to relieve you of this anxiety by ensuring seamless transfers - with round the clock customer service availability.

Money2India.com is trusted by hundreds of thousands (lacs) of users annually for their money transfer needs to India and continues to be a preferred online and secure money transfer tracking service.

For more details go to our website or click here

To register click here

• Convenience to you – secure transfers from any bank overseas
• Convenience to your beneficiary - wide range of delivery options
  
  
  • Electronic transfers into accounts with over 75,000 bank branches in India
  • Electronic transfers into any resident Visa Debit Card issued in India
  • Demand Drafts issued and dispatched to your beneficiary in India
• Online tracking and e-mail updates on status of your money transfers
• Cost efficient and Competitive exchange rates
• 24X7 Service Committment

The Money2India.com service facilitates money transfers to India in 8 currencies from any bank in 8 countries as listed below:

North America: USA (USD), Canada (CAD), Europe: UK (GBP), Sweden (SEK), Switzerland (CHF) Asia: Singapore (SGD), Hong Kong (HKD), UAE (AED)

Asia: Singapore (SGD), Hong Kong (HKD), UAE (AED)

To know more on the Money2India transfer modes in each of the countries, please select your Country of Residence. You can also contact the Money2India Customer Service team for any assistance

Inactive Account Definition: If there are no transactions in your savings account for more than 12 months, the account will be classified as "Inactive".

Dormant Account Definition: If there are no transactions in your savings account for more than 24 months, the account will be classified as "Dormant".

This is a measure to safeguard your interest, as it is possible that you may not be monitoring your account. A letter to this effect would be sent to your communication address

Inactive Account restriction: You cannot request for issue of chequebook in case your account is inactive.

Dormant Account restrictions: The following requests are not permitted in a dormant account:

- Requests for issue of chequebook

- Renewal of ATM/ Debit Card

- Requests for change of address, addition or deletion of joint holder, signature modification

- Withdrawal through ATM, Internet Banking, Branch etc

Inactive Account Activation: In order to make your account active (from inactive stage) please conduct a transaction by cheque, ATM or by infinity, else visit the nearest ICICI Bank branch in India and submit an account-activation letter.
Dormant Account Activation: In order to normalize your account (from dormant stage), you may use any one of the following channels:

Direct Courier:

Step 1 > Fill the Dormancy Activation Request Form. Click here.

Step 2 > Attach KYC documents

Attach copies of your Address Proof where you wish to receive your communications & first two and last two pages of your valid passport. Please note: You need to sign on the documents. You also need to get it attested by any local Bank/ Notary Authority/ Indian Embassy of your overseas country if you currently reside in a country other than any of the Click here for acceptable list of ID and Address proof documents.

Step 3 > Submit FATCA form (Only if applicable) Click here.

If there has been a change in the country of residence in the last two years, please submit the FATCA / CRS Form along with a copy of your visa.

Step 4 > Send documents:

A) You can use our PO Box services available in USA, Singapore, United Kingdom, UAE, Australia and Canada.

OR

B) Courier documents to :

ICICI Bank Limited,
RPC Mumbai,5th Floor, A-Wing,
Autumn Estates, Chandivali Farm Road,
Chandivali, Next to Chandivali Studio,
Opp MHADA,
Andheri-East,, Mumbai- 400072, INDIA.

You can request for Funds Transfer (Online) by following the steps below :

• Visit our web site www.icicibank.com
• Enter your Internet Banking user ID and password
• Click on 'Funds Transfer'
• Choose one of the transfer options
• You need to follow the below mentioned steps to register and authenticate your payee:

Go to specific funds transfer section (Other ICICI Bank Account, Non-ICICI Bank Account or Card-2-Card Funds Transfer) and register a Payee

Once payee details have been entered, the registration will be in "Pending Confirmation". No transfers will be allowed to a payee.

You will receive an email alert along with the Unique Registration Number (URN) You can now login to Internet Banking and confirm the Payee registration by entering URN in the “confirm payee” space provided

On successful authentication the status of the Payee registration will be updated from "Pending Confirmation" to "Registration Confirmed"

You will now be allowed to transfer funds to the particular Payee for the specific service

Alternatively ,you can also confirm your registered payee by calling our 24-hour Customer Care

You can also send a letter with complete funds transfer details, duly signed to our India address:

ICICI Bank Limited,
RPC Mumbai,
5th Floor, A-Wing, Autumn Estates
Chandivali Farm Road, Chandivali
Land Mark:Next to Chandivali Studio, Opp MHADA
Andheri-East,
Mumbai- 400072
INDIA.

If you are an NRI in USA, UK, Canada, Australia, Singapore and UAE, you can simply post your documents to the local P.O. Box in your respective countries and save on courier charges.

You can also visit any ICICI Bank branch in India and submit a letter duly signed for Funds transfer. To refer to the updated list of our branches please, Click here

For any clarification or more information, please call us on our 24-hour Customer Care or write to us through "Email us" option, at our website www.icicibank.com.

Internet Banking transactions for NRI customers cover the following transactions:

• Transfer to Third Party accounts within ICICI Bank
• Transfer to accounts other than ICICI Bank (RBI NEFT)
• Card To Card Transfer

Limits for per day transfers for NRI Customer:

• The per day limit will be 5,00,000 for each applicable transaction mentioned above
• Transfers to third party ICICI Bank accounts is 5,00,000 per day
• On a given day the total of all the funds transfers in the above categories cannot exceed the cumulative of 5,00,000 per day

Click here to view service charges for NRE Savings Account.

The minimum Monthly average balance (MAB) required to be maintained for

• Savings Account: Maintain minimum monthly average balance of INR 50,000
• Select Programme: Maintain Deposits + Balance of INR 5 Lac OR Deposits + Balance + Mutual funds AUM# + Demat of INR 50 Lac

• Premium Programme: Maintain Deposits + Balance of INR 25 Lac OR Deposits + Balance + Mutual funds AUM# + Demat of INR 1 Cr

(Deposits include FD/RD)

(#MF AUM – Mutual Funds Assets under Management)

Failing to meet the above requirements, Charges for non-maintenance of minimum Monthly average balance (NMMAB) are as follows: -

• Savings Account: 6% of shortfall in required MAB or 500 whichever is lower
• Select Programme: 6% of shortfall in required MAB or 500 whichever is lower
• Premium Programme: 6% of the shortfall in required MAB or INR 500, whichever is lower

The documents/instruments that can be accepted as source of proof for credit to NRE accounts are:

• Foreign currency demand drafts representing funds from overseas/FCNR/NRE sources
• ICICI Bank NRE account cheques
• Cheques / pay orders / demand drafts with specific evidence/certificate/advice that the funds are from foreign source or repatriable in nature:
  
  Cheque issued from another NRE account (with suitable crossing or account number and account type printed on the cheque)
  Closure proceeds of FCNR deposits (The issuing banks should advise that the funds are repatriable in nature)
  
  Foreign inward remittances (The issuing banks should advise that the funds are repatriable in nature)
  
  Closure proceeds of OBU deposits (The issuing banks should advise that the funds are repatriable in nature)
• An IPO refund order accompanied by a letter/advice from the registrar stating that the investment was from a repatriable source
• A letter from the registrar/bank for receipt of refund of amount from an application for shares if the amount of subscription was paid from the NRE account
• A letter from any bank or recognized mutual fund house stating that the funds were invested from the source of NRE funds
• Funds received through EFT credit with specific mention of NRE funds transfer
• To deposit foreign currency cash / traveller's cheques to an NRE / FCNR (B) account, the NRI needs to visit the branch and submit a copy of his/her passport and immigration details (original passport to be carried in person). A currency declaration form, if applicable, will also be required
• In case of current income such as rent, dividend, interest, pension etc, current income proof alongwith a chartered accountant’s certificate and an undertaking in the specified format regarding the payment/provision of income tax. In case you do not have a taxable income in India, the credit of the current income would be permitted on furnishing a declaration, in duplicate, to the effect that you are not a tax payer in India.
• In case of maturity proceeds of government securities / mutual funds / life insurance policies, proof of maturity proceeds provided the securities / units were originally purchased / premium was paid out of NRE / FCNR account or out of remittance from overseas
• In case of sale proceeds of immovable property other than agricultural land / farm house / plantation property in India, where the said property has been acquired through payment in foreign exchange received through normal banking channels / out of funds held in NRE / FCNR accounts, copy of registered sale deed purchase deed of property, a declaration in specified format, banker’s certificate / FIRC / attested bank statement regarding remittance / payment for purchase of property and repayment of loan, if applicable
• Rupee demand drafts / bankers' cheques / account payee cheques issued against encashment of foreign currency along with encashment certificate issued by an Authorised Dealer Category – I / Category – II

You can request for a demand draft by applying online  through "Service Request" option available in your Internet Banking.

Alternatively, you can Click here  to fill up the request form, take a printout and mail it to our India address:

ICICI Bank Limited,
RPC Mumbai,
5th Floor, A-Wing, Autumn Estates
Chandivali Farm Road, Chandivali
Land Mark:Next to Chandivali Studio, Opp MHADA
Andheri-East,
Mumbai- 400072
INDIA

If you are an NRI in USA, UK, Canada, Australia, Singapore and UAE, you can simply post your documents to the local P.O. Box in your respective countries  and save on courier charges.

You can also visit any ICICI Bank branch in India and submit the ' Demand Draft' Request form.To refer to the updated list of our branches please, Click here

For any clarification or more information, please call us on our 24-hour Customer Care  or write to us through "Email us" option, at our website www.icicibank.com.

 * Charges will be as per applicable service charges.

You can request for your address updation in our records by sending the  'Address Change' request form, signed by the primary applicant along with a  valid address proof to our India address :

ICICI Bank Limited,
RPC Mumbai,
5th Floor, A-Wing, Autumn Estates
Chandivali Farm Road, Chandivali
Land Mark:Next to Chandivali Studio, Opp MHADA
Andheri-East,
Mumbai- 400072
INDIA

Click here to download the 'Address Change' form and also refer to the list of valid  address proofs.Please ensure you attach the relevant address proof to avoid  delay in executing your request.

If you are an NRI in USA, UK, Canada, Australia, Singapore and UAE, you can  simply post your documents to the local P.O. Box in your respective countries  and save on courier charges.

You can also visit any ICICI Bank branch in India and submit the 'Address  Change' request.To refer to the updated list of our branches please Click here.

For any clarification or more information, please call us on our 24-hour Customer Care or write to us through "Email us" option, at our website www.icicibank.com.

You can request for a Signature Updation by downloading the 'Signature Change'  request form, and send the completed form alongwith relevant documents to our  India address :
 
ICICI Bank Limited,
RPC Mumbai,
5th Floor, A-Wing, Autumn Estates
Chandivali Farm Road, Chandivali
Land Mark:Next to Chandivali Studio, Opp MHADA
Andheri-East,
Mumbai- 400072
INDIA

Click here to download the 'Signature Change' request form.
 
Also attach any one of the following as proof of your changed signature:

 
• Any government issued photo identity document having a seal / stamp of government authority as a proof of current signature on the form
• New signature attested by another Banker / Indian Embassy / Notary 

If you are an NRI in USA, UK, Canada, Australia, Singapore and UAE, you can  simply post your documents to the local P.O. Box in your respective countries  and save on courier charges.
 
You can also visit any ICICI Bank branch in India and submit the ' Signature  Change Form'.To refer to the updated list of our branches please,  Click here
 
For any clarification or more information, please call us on our  24-hour Customer Care  or write to us through "Email us" option, at our website  www.icicibank.com.

You can call our 24 X 7 customer care to get your contact details updated. Please click here for details of our customer care.

You can place the request for 'Update Email Id' by logging into your internet banking. Click here to log in to your internet banking.

For any clarification or more information, please call us on our 24-hour Customer Care or write to us through "Email us" option, at our website www.icicibank.com/nri.

You can register for E-statement facility by applying Online through an option available through Internet Banking.

Alternatively, you can click here to download the 'Registration Form' and mail it to our    India address:

ICICI Bank Limited,
RPC Mumbai,
5th Floor, A-Wing, Autumn Estates
Chandivali Farm Road, Chandivali
Land Mark: Next to Chandivali Studio, Opp    MHADA
Andheri-East,
Mumbai- 400072
INDIA 

If you are an NRI in USA, UK, Canada, Australia, Singapore and UAE, you  cansimply post your documents to the local P.O. Box in your respective  countriesand save on courier charges.

You can  also visit any ICICI Bank branch in India and submit the registration form. To refer to the updated list of our branches please,   Click here

For any clarification or more information, please call us on our 24-hour Customer Care or write to us through "Email us" option, at our website www.icicibank.com.

You can repatriate funds in two ways:,

Demand Draft

Wire Transfer

You can place a request for Repatriation from fixed deposit through any of thefollowing modes: You can request for “Repatriation of Funds” by applying Online through "Service Request" option available in your Internet Banking.

Alternatively, you can click here to download the request form for 'Outward Repatriation of Funds' and mail itto our India address:

ICICI Bank Limited, RPC Mumbai,
5th Floor, A-Wing,
Autumn Estates Chandivali Farm Road,
Chandivali Land Mark: Next to Chandivali Studio,
Opp MHADA Andheri-East,
Mumbai- 400072 INDIA.

If you are an NRI in USA, UK, Canada, Australia, Singapore and UAE, you cansimply post your documents to the local P.O. Box in your respective countriesand save on courier charges.

You can also visit any ICICI Bank branch in India and submit the request. Torefer to the updated list of our branches please, Click here.

For any clarification or more information, please call us on our 24-hour Customer Care or write to us through "Email us" option, at our website www.icicibank.com.

In case of Fixed Deposit closure wherever currency conversion is involved,w.e.f 1st April 2011, ICICI Bank Ltd. will levy the revised service tax as perthe Service Tax Rules (1994) amended by Ministry of Finance (Govt. Of India)vide Notification No. 26/2011 – Service Tax, on 31st March, 2011.

* Repatriation of funds will be subject to regulations of relevantjurisdiction as existing from time to time

Yes. You can request to link all your savings account under one user Id by applying Online through "Service Request" option available in your Internet banking.

Alternatively, you can click here to download the request form, and mail it to our India address:

ICICI Bank Limited
Internet Banking Department
6th Floor, A-Wing, Autumn Estates
Chandivali Farm Road, Chandivali
Land Mark:Next to Chandivali Studio, Opp MHADA
Andheri-East, Mumbai- 400072
INDIA

If you are an NRI in USA, UK, Canada, Australia, Singapore and UAE, you cansimply post your documents to the local P.O. Box in your respective countriesand save on courier charges.

You can also visit any ICICI Bank branch in India and submit the 'requestform'.To refer to the updated list of our branches please,
Click here

For any clarification or more information, please call us on our 24-hour Customer Care or write to us through "Email us" option, at our websitewww.icicibank.com.

Yes. You can request to link all your savings account under one user ID by applying Online through "Service Request" option available in your Internet banking.

Alternatively, you can Click here to download the request form, and mail it to our India address:

ICICI Bank Limited
Internet Banking Department
6th Floor,A-Wing, Autumn Estates
Chandivali Farm Road, Chandivali
LandMark: Next to Chandivali Studio, Opp MHADA
Andheri-East,
Mumbai-400072

If you are an NRI in USA, UK, Canada, Australia,Singapore and UAE, you cansimply post your documents to the local P.O. Boxin your respective countriesand save on courier charges.

You can also visit any ICICI Bank branch in India and submit the 'requestform'.To refer to the updated list of our branches please, 
Click here

For any clarification or more information, please call us onour 24-hour Customer Careor write to us through "Email us" option, at our website www.icicibank.com.

Yes.You can request to link all your savings account under one user ID by applying Online through "Service Request" option available in your Internet banking.

Alternatively, you can click here to download the request form, and mail it to our India address:

ICICI Bank Limited
Internet Banking Department
6th Floor,A-Wing, Autumn Estates
Chandivali Farm Road, Chandivali
LandMark:Next to Chandivali Studio, Opp MHADA
Andheri-East, Mumbai-400072
INDIA

If you are an NRI in USA, UK, Canada,Australia, Singapore and UAE, you cansimply post your documents to the localP.O. Box in your respective countriesand save on courier charges.

You can also visit any ICICI Bank branch in India and submit the'requestform'.To refer to the updated list of our branches please, Click here

For any clarification or more information, please call us onour 24-hour Customer Care or write to us through "Email us" option, at our website www.icicibank.com.

Open an Account Now

There are two ways to generate your Password:

• Generate it online
• Request through any of the following ways for a password to be mailed to you physically. It will be dispatched within 7 working days at your mailing address.
• Call our 24-hour Customer Care
• Visit your nearest ICICI Bank branch

You can activate the user ID by calling our 24-hour Customer Care service numbers or by sending the duly signed request letter at the below address

ICICI Bank Limited,
RPC Mumbai,
5th Floor, A-Wing, Autumn Estates
Chandivali Farm Road, Chandivali
Land Mark:Next to Chandivali Studio, Opp MHADA
Andheri-East,
Mumbai- 400072
INDIA

If you are an NRI in USA, UK, Canada, Australia, Singapore and UAE, you can simply post your documents to the local P.O. Box in your respective countries and save on courier charges.

You can also visit any ICICI Bank branch in India and submit the duly signed request letter.

If you have forgotten your Internet Banking user ID or have not yet received it, please call our 24-hour Customer Care Centre to get the same.

All you will need to do is authenticate yourself and ask for your user ID. You can also request for a new password if you have forgotten the same.

The password would be couriered to you on your address available with the bank.

Your passwords cannot be given on telephone for security reasons.

Please Log into Internet banking section on ICICI Bank website.

• Under Funds Transfer section select ‘Add Payee’.
• Infinity system would send an URN on your registered email address.
• Please accesses ‘confirm payee’ link on Infinity.
• You will be prompted for the URN.
• On successful validation the payee is added.

You can subscribe for Mobile Banking by downloading the 'Registration form',filling it up and mailing it with relevant documents to our India address:

ICICI Bank Limited,
RPC Mumbai,
5th Floor, A-Wing, Autumn Estates
Chandivali Farm Road, Chandivali
Land Mark:Next to Chandivali Studio, Opp MHADA
Andheri-East,
Mumbai- 400072
INDIA

Click here to download the Mobile banking registration form.

If you are an NRI in USA, UK, Canada, Australia, Singapore and UAE, you cansimply post your documents to the local P.O. Box in your respective countriesand save on courier charges.

You can also visit any ICICI Bank branch in India and submit the 'RegistrationForm'. Please ensure that you carry a valid identity proof when you visit the branch. To refer to the updated list of our branches please, Click here

For any clarification or more information, please call us on our24-hour Customer Care or write to us through "Email us" option, at our website www.icicibank.com.

You can request for a Cheque Book by applying Online and placing the request through "Service Request" option available inyour Internet Banking.

You can also make a Cheque Book request by calling our 24-hour Customer Care

Alternatively, you can click here to download the request form, and mail it to our India address:

ICICI Bank Limited,
RPC Mumbai,
5th Floor, A-Wing, Autumn Estates
Chandivali Farm Road, Chandivali
Land Mark: Next to Chandivali Studio, Opp MHADA
Andheri-East,
Mumbai- 400072
INDIA

If you are an NRI in USA, UK, Canada, Australia, Singapore and UAE, you can simply post your documents to the local P.O. Box in your respective countriesand save on courier charges.

You can also visit any ICICI Bank branch in India and submit 'Cheque Bookrequest' form. To refer to the updated list of our branches please, Click here

* Charges will be as per applicable service charges.

You can request for Stop Payment by applying Online through "Service Request" option available in your Internet Banking.

Alternatively, you can make a request by contacting our 24-hour Customer Care

You can also visit any ICICI Bank branch in India and submit a request letter. To refer to the updated list of our branches please, Click here

* Charges will be as per applicable service charges.

To register a mandate holder for your account, you need to download the  request form, fill it and send it to your proposed mandate holder. The Mandate  Registration form has to be signed by both the Account holder and the Mandate  holder.

Click Here to download the 'Add a Mandate' request form.

The mandate holder then needs to visit an ICICI Bank branch and submit the  request form along with the relevant documents.To refer to the updated list of  our branches please, Click here
 
Mandate holder is required to submit a recent photograph and a copies of  relevant Identity and Address proof along with the form. The photocopies of  the documents have to be self-attested. Also the original documents have to be  carried for verification.
 
For any clarification or more information, please call us on our 24-hour Customer Care or write to us through "Email us" option, at our website www.icicibank.com

Click here to view service charges for NRE Savings Account.

To cancel the mandate updated on your account, you need to send the request  form,completely filled to your mandate holder.
 
Click Here to download the 'Cancel Mandate from my account' request form.The  mandate cancellation form has to duly signed by the account holders and the  mandate.

Your mandate holder can submit the form to us in any of the ways mentioned  below:

By mailing it to our India address:
ICICI Bank Limited,
RPC Mumbai,
5th Floor, A-Wing, Autumn Estates
Chandivali Farm Road, Chandivali
Land Mark:Next to Chandivali Studio, Opp MHADA
Andheri-East, Mumbai- 400072
INDIA

By visiting any ICICI Bank branch and submitting the request.To refer to the  updated list of our branches please, Click here

For any clarification or more information, please call us on our 24-hour Customer Care or write to us through "Email us" option, at our website www.icicibank.com.

To change the mandate holder on your account, you are required to download the  Mandate Updation form, which has to be duly signed by the account holder(s),  the existing mandate holder and also the person you wish to appoint as the  mandate. (new mandate holder)

The new mandate holder then needs to  visit an ICICI Bank branch and submit the request form alongwith the relevant  documents.To refer to the updated list of our branches please, Click here

The new Mandate holder is also required to submit a recent  photograph and a copies of relevant Identity and Address proof along with the  form. The photocopies of the documents have to be self-attested. Also the  original documents have to be carried for verification.

Click here to download the 'Update new Mandate in my account' request form.

For  any clarification or more information, please call us on our 24-hour Customer Care or write to us through "Email us" option, at our website www.icicibank.com.

A mandate holder is entitled to Operate the NRI account locally.

He / she can issue cheques for local payments on behalf of the account holder.

He/ she can open fixed deposits on behalf of account holder.

He / she can execute all instructions except the following:

Closure of fixed deposits
Repatriation of funds to anyone other than the account holder
Gifting of funds

To register a Nominee, Click here to download the 'Add a Nominee- DA1 form' ', fill it up and mail to ourIndia address :

ICICI Bank Limited,
RPC Mumbai,
5th Floor, A-Wing, Autumn Estates
Chandivali Farm Road, Chandivali
Land Mark:Next to Chandivali Studio, Opp MHADA
Andheri-East,
Mumbai- 400072
INDIA.

Please Note that :

The nomination form has to be signed by all the account holders and witnessed simultaneously. A witness for the nomination form is mandatory. He/ she can be any person known to the account holder as well as the nominee

The signature of the nominee is not required on the nomination form. One witness (known to the account holder as well as the nominee) is required to attest thumb impression(s) / sign on the form.

If you are an NRI in USA, UK, Canada, Australia, Singapore and UAE, you can simply post your documents to the local P.O. Box in your respective countries and save on courier charges.

You can also visit any ICICI Bank branch in India and submit the 'DA1 Form'.Torefer to the updated list of our branches please, Click here.

If you still do not wish to register a nominee, please send us a letter cum'No Nominee declaration'.

For any clarification or more information, please call us on our 24-hour Customer Care or write to us through "Email us" option, at our website www.icicibank.com.

You can download the ' Nominee Cancellation- DA2 form' request and mail it to our India address :

ICICI Bank Limited,
RPC Mumbai,
5th Floor, A-Wing, Autumn Estates
Chandivali Farm Road, Chandivali
Land Mark:Next to Chandivali Studio, Opp MHADA
Andheri-East,
Mumbai- 400072
INDIA.

Click here to download the 'Cancel Nomination in my account – DA2 form'.

If you are an NRI in USA, UK, Canada, Australia, Singapore and UAE, you can simply post your documents to the local P.O. Box in your respective countries and save on courier charges.

You can also visit any ICICI Bank branch in India and submit the Cancel Nomination in my account – DA2 form'.To refer to the updated list of our branches please, Click here

For any clarification or more information, please call us on our 24-hour Customer Care or write to us through "Email us" option, at our website www.icicibank.com.

You can download the 'Nominee Updation- DA3 form' request form and mail it to our India address :

ICICI Bank Limited,
RPC Mumbai,
5th Floor, A-Wing, Autumn Estates
Chandivali Farm Road, Chandivali
Land Mark:Next to Chandivali Studio, Opp MHADA
Andheri-East,
Mumbai- 400072
INDIA.

Click here to download the 'Update new Nominee – DA3' form.

If you are an NRI in USA, UK, Canada, Australia, Singapore and UAE, you can simply post your documents to the local P.O. Box in your respective countries and save on courier charges.

You can also visit any ICICI Bank branch in India and submit the 'Update new Nominee – DA3' form.To refer to the updated list of our branches please, Click here

For any clarification or more information, please call us on our 24-hour Customer Care or write to us through "Email us" option, at our website www.icicibank.com.

You can download the 'No Nominee Declaration' , and mail it to our India address :

ICICI Bank Limited,
RPC Mumbai,
5th Floor, A-Wing, Autumn Estates
Chandivali Farm Road, Chandivali
Land Mark:Next to Chandivali Studio, Opp MHADA
Andheri-East,
Mumbai- 400072
INDIA.

Click Here to download the ''No Nominee Declaration' .

If you are an NRI in USA, UK, Canada, Australia, Singapore and UAE, you can simply post your documents to the local P.O. Box in your respective countries and save on courier charges.

You can also visit any ICICI Bank branch in India and submit the 'No Nominee Declaration - D1 '. For any clarification or more information, please call us on our 24-hour Customer Care or write to us through "Email us" option, at our website www.icicibank.com.

No, only 1 person can be nominated for an account

Can I register different nominees for different accounts?

Yes, you can have separate nominations for different accounts.

No, you don't have to go through the same procedure every time. ICICI Bank allows NRIs to give a one-time instruction to make the nominee applicable for all accounts.

You can request for Account Closure by downloading the 'Account Closure' request form, filling it up and mailing it to our India address:

ICICI Bank Limited,
RPC Mumbai,
5th Floor, A-Wing, Autumn Estates
Chandivali Farm Road, Chandivali
Land Mark:Next to Chandivali Studio, Opp MHADA
Andheri-East,
Mumbai- 400072
INDIA.

Click here to download the 'Account Closure' request form.

Please note that in case your account is currently in inactive / dormant status, you are required to activate your account before submitting the request for closure. Click here to download the account activation request form.

If you are an NRI in USA, UK, Canada, Australia, Singapore and UAE, you can simply post your documents to the local P.O. Box in your respective countries and save on courier charges.

You can also visit any ICICI Bank branch in India and submit the 'Account Closure' request.To refer to the updated list of our branches please, Click here

For any clarification or more information, please call us on our 24-hour Customer Care or write to us through "Email us" option, at our website www.icicibank.com.

* Charges will be as per applicable service charges.

If you wish to register yourself under DNC, you may visit www.icicibank.com and register yourself under the “Do not call” option present at the bottom of your screen. Please note that we will take 15 days from registration to process your request.

Please note that even if you register under DNC you will continue to receive important bank communication viz. account statements, revision of charges etc.

Please write to us mentioning your name, country, telephone numbers (Format: ISD- Area code and number for landline numbers, and ISD- Number for mobile numbers) and email ID. Alternatively, you may email us at donotcallregistry@icicibank.com to register yourself. Please note that we need atleast 15 days from the receipt of your details to process your request.

Please write to us mentioning your name, country, telephone numbers (Format: ISD- Area code and number for landline numbers, and ISD- Number for mobile numbers) and email ID. Alternatively, you may email us at donotcallregistry@icicibank.com to register yourself. Please note that we need atleast 15 days from the receipt of your details to process your request.

Please note that we need atleast 15 days from the receipt of your details to process your request.

You can transfer funds to your ICICI Bank NRE / NRO savings account using any of the following money transfer options:

Online modes :

Online money transfer modes offer the convenience of transferring money through the internet from the comfort of your home.

Money2India* is an Internet based money transfer tracking service offering features like:

• Anytime, anywhere access


• Online tracking of funds


• Competitive exchange rates


• 24 hour customer care which you can access vide toll free phone and / or email

To start using the Money2India facility, you have to complete a one-time instant online registration. For more details and registration please visit www.money2india.com. *Money2India is available only in Canada, Hong Kong, Singapore, Sweden, Switzerland, UK ,USA and UAE. 

Offline Modes

Wire Transfer:

Wire Transfer facility is one of the easiest offline methods of transferring money to India from any part of the world. This facility is available for most countries and can be used for large value transfers.

To initiate a wire transfer, you have to visit your local bank abroad and provide wire transfer instructions.

Exchange house transfers

ICICI Bank has tie-ups with 24 key Exchange houses and Correspondent banks in Gulf Cooperation Council** locations, which provide several fund transfer facilities such as Insta-Transfers, I-Express, Speed Remittance and INR DD Facilities.

Foreign Currency Cheques

Foreign Currency Cheque is a cheque drawn on foreign banks in a foreign currency. These cheques can be deposited to the beneficiary's NRE Savings Account.

INR Cheques

You can draw INR cheques from other NRE Savings Account in favour of your ICICI Bank NRE savings account. You can draw INR cheques from any account in favour of your ICICI Bank NRO savings account.

Please note that some of the modes of transfer mentioned above may or may not be available to you depending upon your country of residence.

**Gulf Cooperation Council includes - Bahrain, Kuwait, Qatar, Saudi Arabia, Oman and United Arab Emirates

You can transfer funds to your ICICI Bank NRE / NRO savings account using any of the following money transfer options: Online modes: Online money transfer modes offer the convenience of transferring money through the internet from the comfort of your home. Money2India* is an Internet based money transfer tracking service offering features like: Anytime, anywhere access Online tracking of funds Competitive exchange rates 24-hour customer care which you can access vide toll free phone and / or email to start using the Money2India facility, you have to complete a one-time instant online registration. For more details and registration please visit www.money2india.com. *Money2India is available only in Canada, Hong Kong, Singapore, Sweden, Switzerland, UK, USA and UAE. Offline Modes Wire Transfer: Wire Transfer facility is one of the easiest offline methods of transferring money to India from any part of the world. This facility is available for most countries and can be used for large value transfers. To initiate a wire transfer, you have to visit your local bank abroad and provide wire transfer instructions. Exchange house transfers ICICI Bank has tie-ups with 24 key Exchange houses and Correspondent banks in Gulf Cooperation Council** locations, which provide several fund transfer facilities such as Insta-Transfers, I-Express, Speed Remittance and INR DD Facilities. Foreign Currency Cheques Foreign Currency Cheque is a cheque drawn on foreign banks in a foreign currency. These cheques can be deposited to the beneficiary's NRE Savings Account. INR Cheques You can draw INR cheques from other NRE Savings Account in favour of your ICICI Bank NRE savings account. You can draw INR cheques from any account in favour of your ICICI Bank NRO savings account. Please note that some of the modes of transfer mentioned above may or may not be available to you depending upon your country of residence. **Gulf Cooperation Council includes - Bahrain, Kuwait, Qatar, Saudi Arabia, Oman and United Arab Emirates

Ways of withdrawing funds from NRE/NRO accounts in India:

• INR cheque at a branch in India
• Over the counter (OTC) withdrawal at a branch through a withdrawal slip
• At an ATM in India using your Debit cum ATM card

You can make payments to Individuals through the following Channels:

1. Internet Banking

• Login into your internet banking account
• Select 'Funds Transfer' under ‘Service Requests’
• Do a one time payee registration by filling in relevant details of the payee. Whenever a payment is to be made, select the payee and enter amount to be transferred.
• Enter the relevant details, grid card values given at the back of your debit card to authenticate the transaction.

Note: For high value transaction use the RTGS facility.

2. Cheque

You can issue a cheque from your NRI account.

3. Branch in India

Visit you nearest branch and place a request for your funds transfer.

Fund Transfer to an overseas account from NRE account: You can take money overseas from your NRE account without any restriction. This can be done in the following ways: Internet Banking:

• Login into your Internet Banking account
• Select service request option online
• Select repatriation from NRE SB A/c via DD OR
• Select repatriation from NRE SB A/C via wire transfer.

Branch : You can also place the request at a branch in India.

Fund Transfer to an overseas account from NRO account: The transfer of money overseas from NRO accounts is limited to USD one million per financial year. Also, the following documents are required to be submitted for such transfers : Form 15 CA -This is an undertaking that needs to given by the account holder.

• Form 15 CB – This is a document that is to be certified by a Chartered Accountant.
• Funds transfer request letter
• On the basis of Form 15 CB (the CA certificate), Form 15 CA has to be filled online. The printout generated from this site has to then be signed by the remitter and submitted along with Form 15CB to the branch from where the remittance is being made.
• Document proving source of funds

All these documents are to submitted at the branch from where the remittance / transfer is being made.

You can visit your nearest branch with the following documents to add a joint holder to your account:

• Request form for addition of Joint applicant
• Proof of Identity
• NRI Status proof, if the joint holder is being added to an NRE Savings Account
• Relationship proof with existing holder account ; if not provided then address proof of the joint applicant will be required

All documents must be self-attested by respective account holders.

Click here to know more.

You can also post these documents at the following address:

ICICI Bank Ltd
RPC – NRI Cell
Autumn Estate, 5th Floor, "A" Wing,
Near Mhada, Chandivali, Andheri (E),
Mumbai – 400 072, India

Please note:

• For NRE accounts , the joint holder must also be an NRI.
• For NRO account , the joing holder must be a resident Indian.

You can open an NRI account by visiting the branch nearby. To locate the nearest branch please visit the link http://maps.icicibank.com/mobile/. 

On visiting the branch:

• You can ask for an Account Opening Form at ”May I help you” desk.
• Our branch staff will assist you in filling the Account Opening Form. You will be given all the required information on NRI accounts, documentation and other details.
• Once you have filled the form and all the required documents are in place, you can submit the same at the branch.
• Once the documents along with the form are submitted to the branch the same is sent to our processing centre.
• If all the documents are in order, your NRI account will be opened within 2 working days of receiving the form at our processing centre. 

What are the documents required?

Documents required to be submitted for opening an account are: 

• A photocopy of your Passport
• Valid Visa (work visa, residence visa/ permit, dependent visa)
  * Visa not applicable in case of PIOs holding foreign passport.
• Overseas address proof (utility bills, gas, electricity , bank statements). Proofs should not be over 3 months old.

For those travelling first time abroad:

• Passport
• Valid work visa
• Deputation/ offer letter mentioning the overseas work address
• Indian address proof.

How do you check the status of your account opening?

You can contact our Branch officials wherein you have submitted the your documents.

If the documents are in order, the account will be opened within 2 working days.

You can open an NRI account by visiting an ICICI Bank branch / representative office in Singapore, United Kingdom, Bahrain, HongKong or Representative office in UAE.

On visiting the branch:

• You can ask for an Account Opening Form.
• Our branch staff will assist you in filling the Account Opening Form. You will be given all the required information on the types of NRI accounts, the documents required and other details that you may require.
• Once you have filled the form and all the required documents are in place, you can submit the same at the branch.
• Once the documents along with the form are submitted to the branch the same is sent to our processing centre in India.
• If all the documents are in order, your NRI account will be opened within 7 working days of receiving the form at our processing centre. You will be intimated vide email on your registered email ID, once the account is opened. 

What are the documents required?

Documents required when account is opened through overseas branch:

• Passport
• Valid Visa(work visa , residence visa/ permit, dependent visa)*
  Visa not applicable in case of PIOs holding foreign passport.
• Overseas Address Proof (utility bills - gas, electricity, bank statements). Proofs should not be over 3 months old.

You can operate your account through any of the following means:

• Internet Banking
• Phone Banking
• Branches in India
• Branches overseas
• Debit cum ATM card
• Mandate Holder
• Cheque Book

Internet Banking:

Internet Banking provides you the convenience of operating your account 24 X 7 from the comfort of your home or office. Using this, you can place requests like:

• Opening Fixed Deposits/ Recurring Deposits
• Generate your Debit Card PIN
• Updation of PAN details
• Activation of Inactive/Dormant account
• Updation of Contact number / Email ID
• Request for Cheque Book /ATM /Debit Card
• Registration for e-statement facility

Click Here to know more.

Phone Banking :

The above requests can also be placed through our 24-hour Toll free customer care lines . In case toll free lines are not available in your country , you can take advantage of our click to call facility. Using this, you can input your details on our website and our executives will get in touch with you in the next five to ten minutes. Click here to know more about this service.

Branches in India:

On your visit to India , you can also make use of our wide network of 3500 branches in the country for operating your account.

Overseas :

You can also operate your account from the branches at the following locations overseas :

• UK
• Representative office in UAE – Dubai and Abu Dhabi
• Singapore
• HongKong
• Bahrain

Note : You can do most of the transactions from the branches listed above. However , there are a few which cannot be done form these branches.

Debit/ATM card 

You are given a debit cum ATM card with your NRI account. You can use this card for withdrawing funds , shopping and much more. Also, this debit card is required for authentication for transaction done using Internet or Phone banking.

Please note that the debit cards linked to NRE accounts can be used at merchant establishments overseas and on e-commerce portals whereas the cards linked to NRO accounts can be used only on merchant establishments in India and cannot be used on e-commerce portals.

Mandate Holder:

Mandate holder is a person who can operate your NRI account in India on your behalf . This person can perform transactions like:

• Making local payments
• Closing FDs on maturity or Renewing FDs
• Opening additional FD in the same Customer ID

We give a cheque book and ATM card to your mandate holder to make it easy for him to operate your account.

How to register a Mandate Holder:

You can register a mandate holder for your account by submitting the 'Add the Mandate form'. Click here to download the form. The form has to be signed by both the account holder and the mandate holder.

The mandate holder then needs to visit an ICICI Bank branch and submit the form along with the following documents:

• Recent photograph
• Copies of relevant Identity and Address proof along with the filled form.
• The photocopies of the documents have to be self-attested. Also, the original documents have to be carried for verification.

We suggest that you add a mandate holder to your account as this will make it easier for you to operate your account. Also, if your want your family in India to access your account , appointing a family member as mandate holder is a good option.

Cheque Book:

A cheque book is given to you when you open a new NRI account.

If you need a new cheque book , you can place a request for the same through your Internet Banking account by following the path below :

Login -> Service requests -> Cheque Book request

You can also call our 24-hour customer care or visit your nearest branch to get a new cheque book. Click here  to know the charges applicable for ordering a new cheque book.

Note : For resident accounts redesinated to NRO accounts , old cheque books are valid.

Mandate Holder : You can appoint a family member in India as your mandate holder . This will allow your family member to operate your account in India.

This person can perform transactions like:

• Make local payments
• Close FDs on maturity or renew FDs
• Open additional FD under the same customer ID

We shall provide a cheque book and an ATM card to your mandate holder to make it easy for him to operate your account.

How to register a Mandate Holder:

You can register a mandate holder for your account by submitting the 'Add the Mandate form'. joint applicant

• Proof of Identity
• NRI status proof, if the joint holder is being added to an NRE savings account
• Relationship proof with existing holder account ; if not provided then address proof of the joint applicant will be required

All documents must be self-attested by respective account holders.

Click here to know more.

You can also post these documents at the following address:

ICICI Bank Limited

RPC – NRI Cell
Autumn Estate,
5th Floor, "A" Wing,
Near Mhada,
Chandivali,
Andheri (E),
Mumbai – 400 072, India

You can operate your account vide the following modes:

• Internet Banking: You will need a user ID and password.
  • Internet Banking ID:
    • The Customer ID printed on the first page of your cheque book is your Internet Banking User ID.
    • If you have forgotten your ID , the same can be generated by Clicking 'Get User ID' under ' Login' on our website www.icicibank.com/nri.
  • Internet Banking Password :
    • The Internet Banking Password is in the PIN mailer which is a part of the welcome kit given to you after account opening.
    • In case you have lost or forgotten your password , the same can be generated by clicking 'Forgot Password' under ' Login' on our website www.icicibank.com/nri.

• Debit Card :
  • You require your debit card not only for cashless shopping at mechant establishments and online portals but also for authentication on Internet and Phone Banking.
  • Please note that the debit card linked to NRE accounts can be used at merchant establishments overseas and on e-commerce portals whereas the cards linked to NRO accounts can be used only on merchant establishments in India and cannot be used on e-commerce portals.
  • A complimentary debit card is issued to you at the time of account opening.
  • If you have lost or misplaced your debit card , you can request for a new debit card by calling our 24-hour customer care  or by selecting the service request 'Reissue of lost ATM/Debit Card' under 'Service Request' in your Internet Banking account.
  • Please click here  to know the charges applicable for re-issuance of a debit card.
• Email ID:

It is important that you keep your email ID registered with us because we send important information like the following is sent to your registered email ID.

• E-statement of your NRI accounts
• OTPs (One Time Passwords) for transactions through Internet Banking.
• Status of service requests.
• Important information like change in regulations pertaining to your account , status of your account and related information. 

 
You can easily update your email ID in our system by calling our 24-hour customer care  or visiting your nearest branch in India.

• Cheque Book:
  • A cheque book is given to you when you open a new NRI account.
  • If you need a new cheque book , you can place a request for the same through your Internet Banking account by following the below mentioned steps :
    Login -> Service requests -> Cheque Book request
  • You can also call our 24-hour customer care  or visit your nearest branch to get a new cheque book.

Click here  to know the charges applicable for ordering a new cheque book.

Note : For resident accounts redesinated to NRO accounts , old cheque books are valid.

You will receive the following in the welcome kit:

• Debit Card – You debit card gives you the advantage of cashless shopping at merchant establishments and online portals. Not only this, the values given in a grid at the back of your debit card are required for authentication and transactions over Internet and Phone Banking.
• Debit Card PIN – The debit card PIN will be required for transactions at ATMs,merchant establishments and while placing a service request at our customer care.
• Internet Banking ID and password – These help you to access your NRI account online, from the comfort of your home or office. Using Internet Banking you can place a lot of requests like:
  • Opening Fixed Deposits/ Recurring Deposits
  • Updation of PAN details
  • Activation of Inactive/Dormant account
  • Updation of Contact number / Email ID
  • Request for Cheque Book /ATM /Debit Card
  • Registration for e-statement facility
• Cheque book - Your cheque book will help you in withdrawing money from your account  transferring money to other accounts, making payments etc.
• User guide - This guide will give you details about the channels like Internet and Phone banking through which you can access your account, service charges applicable to your account , toll free numbers on which you can call our 24-hour customer care and much more. Please refer to this guide for more information about your NRI account.

If you are an NRI Select or an NRI Premium customer in addition to the above you will also receive:

• NRI Select/NRI Premium brochure - This brochure outlines the features of your account. We request you to go through this brochure to make the most of your account.
• Debit Card Brochure - The details of your debit card like transaction and cash wirrthdrawl limits reward points etc. are given in this brochure.

Difference between NRE and NRO accounts:

Repatriation refers to the ability to take money overseas

Please refer Para 6.2 of Master Circular on Non- Resident Ordinary Rupee Account for the said regulations.

As per these regulations:

• Interest earned in NRO accounts in current financial year is fully repatriable (after deducting tax). However , funds in NRO account can be repatriated only upto USD one million per financial year subject to submission of the following documents:
  • Form 15 CA - This is an undertaking that needs to given by the account holder.
  • Form 15 CB – This is a document that is to certified by a Chartered Accountant.

On the basis of Form 15 CB (the CA certificate), Form 15 CA has to be filled online. The printout generated from this site has to then be signed by the remitter and submitted along with Form 15CB to the branch from where the remittance is being made.

• Funds transfer request letter ( Funds transfer request letter)
• Document proving source of funds

Please refer Para 5. B of Master Circular on Non- Resident Ordinary (NRO) Account for the said regulations.

As per these regulations:

• Interest earned in NRO accounts in current financial year can be transferred fully (after deducting tax) to NRE accounts. However , the funds in NRO accounts can be transferred to NRE accounts only to the extent of USD one million per financial year. Also, the following documents needs are required to be submitted for such transfers :
  • Form 15 CA - This is an undertaking that needs to given by the account holder.
  • Form 15 CB – This is a document that is to certified by a Chartered Accountant.
  • Funds transfer request letter ( Funds transfer request letter)
  • Document proving source of funds

On the basis of Form 15 CB (the CA certificate), Form 15 CA has to be filled online. The printout generated from this site has to then be signed by the remitter and submitted along with Form 15CB to the branch from where the remittance is being made.

Please refer Para 9 of Master Circular on Non- Resident Ordinary (NRO) Account for the said regulations.

As per these regulations it is mandatory that when you attain non-resident status, you must re-designate your resident account to an NRO (Non-Resident Ordinary) account.

You can re-designate your account in the following ways:

• Online channel : to input your details. We will call you back and help with the processs.
• Branch : You can also visit your nearest branch in India

Please refer RBI Master Circular - Know Your Customer (KYC) norms/ Anti-Money Laundering (AML) standards / Combating of Financing of Terroroism (CFT) / Obligation of Banks under PMLA , 2002 for the said regulations.

As per RBI guidelines , it is mandatory for Banks to periodically update their customer identification data including customer's photograph , identity proof and address proof.

Please click here to know the process for updating you KYC details with us.

There is no tax applicable in India on funds lying in your NRE accounts. However, interest earned on NRO account is taxable at the rate of 30% plus applicable cess and surcharge. If the interest exceeds Rs. 5 million during the financial year then an additional surcharge of 10% would also be applicable. For more details on the withholding tax percentage, click here

*Please check tax regulation in your country of residence.

You can save tax on interest earned in NRO accounts by means of DTAA (Double Taxation Avoidance Agreement).

In case of cross border transactions, the income may be taxed in the home country (basis tax residency) as well as source country (where income is earned) leading to double taxation of the same income. In order to avoid this double taxation of income, the home and the source country mutually enter into tax treaty generally known as DTAA. As per DTAA, generally the income may be taxed at a lower rate or nil rate in the source country. To avail the benefit of DTAA in India, Tax Residency Certificate (TRC) along with Form 10 F and Permanent Account Number (PAN) is to be furnished. Wherever tax is applicable as per the DTAA, if the PAN is not furnished ,benefit of concessional rate as per the DTAA shall not be available. Income tax rates will be as per DTAA agreed between India and various countries. 

You can open an NRI account by visiting an ICICI Bank branch / representative office in Singapore, United Kingdom, Bahrain, HongKong or Representative office in UAE.

On visiting the branch:

• You can ask for an Account Opening Form.
• Our branch staff will assist you in filling the Account Opening Form. You will be given all the required information on the types of NRI accounts, the documents required and other details that you may require.
• Once you have filled the form and all the required documents are in place, you can submit the same at the branch.
• Once the documents along with the form are submitted to the branch the same is sent to our processing centre in India.
• If all the documents are in order, your NRI account will be opened within 7 working days of receiving the form at our processing centre. You will be intimated vide email on your registered email ID, once the account is opened. 

What are the documents required?

Documents required when account is opened through overseas branch:

• Passport
• Valid Visa(work visa , residence visa/ permit, dependent visa)*
  Visa not applicable in case of PIOs holding foreign passport.
• Overseas Address Proof (utility bills - gas, electricity, bank statements). Proofs should not be over 3 months old.

How do you check the status of your account opening?

You can contact our branch officials where you have submitted your documents. If the documents are in order, the  account will be opened within 7 working days.

Account opened through overseas branch you need to Contact your branch to know the status.

You can request for opening an NRI account through an online application:

• Visit www.icicibank.com/nri, fill and submit the lead form 
• Our customer service representative will call as per time convenient to you and assist you on your application for opening an NRI account.
• Representative will provide you with all the required information on NRI accounts, documentation, etc. and assist you in filling the form online.
• Once you are ready with the form and required documents, our representative, will arrange for a Free Courier Pick Up (DHL Courier) of your form & documents, as per the time convenient to you.
• Once the documents are picked up, the turn-around-time (TAT) to receive these documents at our processing centre in Mumbai, India, is 3 working days
• If all documents are in order, your NRI account will be opened within 5 to 7  working days of receiving the form at our processing centre in Mumbai. You will be intimated vide email on your registered email ID, once the account is opened. 

Download Account Opening Form Online:

You can also download the NRI account opening form by clicking here. You can fill the form completely, attach all required documents along with it and send the form to the below address: 

ICICI Bank Limited.

NRI Remote RM Channel
1st Floor, A wing
"Autumn Estate"
Chandivali Farm Road
Chandivali
Andheri (East)
Mumbai-400072

Click here to know about the documents required.

How do you check the status of your account opening? 

• Once you have sent the documents to us through phone bank account opening
• It takes 5 to 7 working days for us to receive your documents at our Mumbai centre.
• If all documents are in place, your NRI account is opened within 72 hours.

You can call our 24-hour Phone Banking Services to know the status of your application.

• Charges for inter and intra-currency transfers and for transactions between GIFT City¹ Account and local banks – For Outward remittance, ICICI Bank IBU² charges CCY 10 for each transaction along with applicable exchange charges for cross currency. Additionally, the charges by the correspondent / intermediate bank will be levied on the customer
• FEMA³ / RBI guidelines on remittance limits that can affect transactions in the GIFT City Account – Under the LRS⁴, resident individuals can remit up to USD 250000 per financial year for permissible current or capital account transactions as per RBI circular on July 10, 2024 regarding ‘Remittances to International Financial Services Centres (IFSC) under the Liberalised Remittance Scheme (LRS)’ and IFSCA⁵ circular on December 13, 2025
• Branch Banking support in case of emergency such as a lost Debit Card – For loss of Debit Card, customer can contact the Customer Care services for support
• Clarification on whether transfers between the GIFT City Account and the Indian NRI⁶ account are considered as remittances and liable for charges / taxes – As fund transfers do not attract any tax implications, customers can remit the funds from their account with ICICI Bank, IBU to their other account in India and the Bank will not deduct any charges towards tax or duties on that transaction from a taxation perspective
• Partnerships with local employers / firms or other entities for direct credit of salary into the GIFT City Account – Currently we do not have any partnerships with local employers / firms or other entities for direct credit of salary into the GIFT City Account
• Status of the account if NRI status / residency in foreign country ends and the customer needs to return to India – In such scenarios, GIFT City Global Savings Account needs to be closed.

¹GIFT City - Gujarat International Finance Tec-City.
²IBU – IFSC Banking Unit.
³FEMA – Foreign Exchange Management Act.
⁴LRS - Liberalised Remittance Scheme.
⁵IFSCA - International Financial Services Centres Authority.
⁶NRI – Non-Resident Indian.

The principal amount is not repatriable and can be used only for local payments. However, the interest earned is fully repatriable. Other current incomes such as pensions, dividends, rent, etc are also repatriable, subject to producing the appropriate certificate from a chartered accountant.

Funds up to USD 1 million (or equivalent) per financial year can be repatriated out of the balance held in NRO accounts for any bonafide purpose subject to satisfying documentation requirements

Cash withdrawal limit of Rs. 25,000 per day and transaction limit (w.e.f. October 1, 2011) of Rs. 35,000 per day at merchant establishments.

In case of NRO account, the joint holder may be resident or non-resident. In case the remittance is being initiated by the resident joint account-holder or the mandate holder, the beneficiary must be the account holder/s. Mandate holder can only repatriate the current income from the NRO account.

When you attain non-resident status, you must re-designate your resident account to an NRO (Non-Resident Ordinary) account.

Yes. You can convert your Resident Account to NRO Account.

According to FEMA guidelines, when an individual changes his residential status from 'Resident' to 'Non-Resident', he must re-designate his resident account as an NRO (Non-Resident Ordinary) account. Along with the NRO account you can open NRE account.

To re-designate your Resident account, fill in the account opening form and submit the relevant documents along with the address proof to our India address:

ICICI Bank Ltd
NRI Remote RM Channel, 4th Floor, A wing
"Autumn Estate"
Chandivili Farm Road
Chandivili, Andheri (East)
Mumbai-400072
INDIA

Click here to print the Conversion Letter and download the Account Opening form.

Note:
After re-designation of your resident savings account to NRO savings account, the account number will remain the same and funds from resident savings account will automatically be transferred to NRO savings account Rs.250 included in the account opening funds are the charges for sending the initial account opening deliverables If the total balance under your customer ID is less then Rs.25000, we request you to send an account opening cheque of atleast Rs.15000 with your application In case of your Indian Address not being changed you would not be required to submit the proof. However, if it has changed you would be required to submit the proof Current (i.e. overseas) address proof is required mandatorily

If you are an NRI in USA, UK, Canada, Australia, Singapore and UAE, you can simply post your documents to the local P.O. Box in your respective countries and save on courier charges.

You can also visit any ICICI Bank Branch in India and submit the conversion request along with the relevant documents.

In case of further queries, please write through Email us or call our 24-hour Phone Banking Services

Yes. You can hold your NRO Savings Account jointly with other Non-Resident Indian(s) and Resident Indians*. You can also register nomination for this account.

*This can be opened only with relatives and mode of operation shall be as Former or Survivor as per which only the Primary applicant shall have rights for Financial and Non-Financial transactions. Resident joint applicant can be added as mandate holder.

Yes.You can request for linking your loan account to Savings account by applying Online through "Service Request" option available in your Internet banking.

Alternatively, you can Online through an option available through Internet Banking.

Alternatively, you can click here to download the 'Registration Form' and mail it to our India address:

ICICI Bank Limited,
RPC Mumbai,
5th Floor, A-Wing, Autumn Estates
Chandivali Farm Road, Chandivali
Land Mark:Next to Chandivali Studio, Opp MHADA
Andheri-East,
Mumbai- 400072
INDIA

If you are an NRI in USA, UK, Canada, Australia, Singapore and UAE, you can simply post your documents to the local P.O. Box in your respective countries and save on courier charges.

You can also visit any ICICI Bank branch in India and submit the registration form.To refer to the updated list of our branches please, Click here

For any clarification or more information, please call us on our 24-hour Customer Care or write to us through "Email us" option, at our website Click here to download the request form, and mail it to our India address:
ICICI Bank Limited
Internet Banking Department
6th Floor, A-Wing, Autumn Estates
Chandivali Farm Road, Chandivali
Land Mark:Next to Chandivali Studio, Opp MHADA
Andheri-East,
Mumbai- 400072

If you are an NRI in USA, UK, Canada, Australia, Singapore and UAE, you can simply post your documents to the local P.O. Box in your respective countries and save on courier charges.

You can also visit any ICICI Bank branch in India and submit the 'request form'. To refer to the updated list of our branches please, Click here

For any clarification or more information, please call us on our 24-hour Customer Care or write to us through "Email us" option, at our website www.icicibank.com

Yes, you can open your account with INR or any convertible foreign currency. We will convert your currency into INR and open the NRO Savings Account. Your NRO Savings Account will be maintained in only INR.

W.e.f. August 19,2017 , interest for all rupee savings accounts will be calculated on the daily closing balances maintained in the account. Interest will be paid at 4% per annum ( for end of day balances equal to or above INR 50 lacs ) and 3.50% per annum (for end of day balances below INR 50 lacs). Interest so calculated is rounded off to the nearest rupee, ignoring fractions of a rupee.

Open an Account Now 

Funds from NRO account cannot be transferred to an NRE / FCNR account since funds in an NRO account cannot be repatriated outside India. However, RBI has now permitted transfer from NRO account to NRE account subject to the submission of required documents and subject to total amount of funds transferred to NRE account and/or repatriated abroad through NRO account during this financial year is within the limit of USD One million.

Click here for request letter for transfer of Funds from ICICI Bank NRO a/c to NRE a/c.
Click here for request letter for transfer of Funds from non ICICI Bank NRO a/c to ICICI Bank NRE a/c.

The proceeds of sale of property can be repatriated out of NRO account. The property sale deed and purchase deed should be documented and copies submitted to the branch. If the property was acquired as a gift/inheritance then gift deed or Will/Succession certificate/Certificate of probate/Legal Heirship certificate for the deed should be documented and copies submitted to the branch. If the documents are in any language other then English and Hindi, please submit a translated copy of the same along with the vernacular declaration duly notarized.

The amount sought to be repatriated should not exceed the sales proceeds and should be within the limit of USD 1,000,000 per financial year.

From April 1, 2010 Permanent Account Number (PAN) shall be mandatory for Non-Resident Indians to avail benefit of lower tax deduction under Double Taxation Avoidance Agreement (DTAA) treaty. Hence it is advisable to submit your PAN to the Bank.

Please note that it is also essential to update your PAN number with us for getting TDS certificates, repatriating funds from NRO account as well as getting tax credit in your tax pass book for TDS deducted on your NRO accounts.

You can open an NRO Savings Account by applying online. Click on link below and our customer service representative will call you back in next 15 minutes to assist you in opening an account.

Open an Account Now

You can request for an ATM/Debit Card by applying Online through "Service Request" option available in your Internet Banking.

You can also make an ATM/Debit Card request for by contacting our 24-hour 24-hour Customer Care

Alternatively, you can click here to download the request form, and mail it to our India address:
ICICI Bank Limited,
RPC Mumbai,
5th Floor, A-Wing, Autumn Estates
Chandivali Farm Road, Chandivali
Land Mark:Next to Chandivali Studio, Opp MHADA
Andheri-East,
Mumbai- 400072 INDIA

If you are an NRI in USA, UK, Canada, Australia, Singapore and UAE, you can simply post your documents to the local P.O. Box in your respective countries and save on courier charges.

You can also visit any ICICI Bank branch in India and submit the 'request form'.

* Charges will be as per applicable service charges.

You can request to deactivate (Hotlist) your ATM/Debit Card by by applying Online through "Service Request" option available in your Internet Banking. Alternatively,you can also make the request by calling our 24-hour Customer Care You can also visit any ICICI Bank branch in India and submit a request letter.

You can request for Funds Transfer Online by following the steps below :

• Visit our web site www.icicibank.com
• Enter your Internet Banking user ID and password
• Click on 'Funds Transfer'
• Choose one of the transfer options
• You need to follow the below mentioned steps to register and authenticate your payee:
• Go to specific funds transfer section (Other ICICI Bank Account, Non-ICICI Bank Account or Card-2-Card Funds Transfer) and register a Payee Once payee details have been entered, the registration will be in "Pending Confirmation". No transfers will be allowed to a payee.
• You will receive an email alert along with the Unique Registration Number (URN) You can now login to Internet Banking and confirm the Payee registration by entering URN in the “confirm payee” space provided On successful authentication the status of the Payee registration will be updated from "Pending Confirmation" to "Registration Confirmed" You will now be allowed to transfer funds to the particular Payee for the specific service

Alternatively ,you can also confirm your registered payee by calling our 24-hour Customer Care You can also send a letter with complete funds transfer details, duly signed to our India address:

ICICI Bank Limited,
RPC Mumbai,
5th Floor, A-Wing, Autumn Estates
Chandivali Farm Road, Chandivali
Land Mark:Next to Chandivali Studio, Opp MHADA
Andheri-East,
Mumbai- 400072 INDIA.

If you are an NRI in USA, UK, Canada, Australia, Singapore and UAE, you can simply post your documents to the local P.O. Box in your respective countries and save on courier charges. You can also visit any ICICI Bank branch in India and submit a letter duly signed for Funds transfer. For any clarification or more information, please call us on our 24-hour Customer Care or write to us through "Email us" option, at our website www.icicibank.com.

You can view your tax credit statement by logging to internet banking. Alternatively,Click here to view your tax credit details directly.

You can save tax on interest earned in NRO accounts by means of DTAA (Double Taxation Avoidance Agreement).

In case of cross border transactions, the income may be taxed in the home country (basis tax residency) as well as source country (where income is earned) leading to double taxation of the same income. In order to avoid this double taxation of income, the home and the source country mutually enter into tax treaty generally known as DTAA. As per DTAA, generally the income may be taxed at a lower rate or nil rate in the source country. To avail the benefit of DTAA in India, Tax Residency Certificate (TRC) along with Form 10 F and Permanent Account Number (PAN) is to be furnished. Wherever tax is applicable as per the DTAA, if the PAN is not furnished ,benefit of concessional rate as per the DTAA shall not be available. Income tax rates will be as per DTAA agreed between India and various countries. 

You can request for a domestic debit card through any of the following modes: Through phone banking Placing an online request through your Internet banking account Sending the request Online through an option available through Internet Banking.

Alternatively, you can click here to download the 'Registration Form' and mail it to our India address:

ICICI Bank Limited,
RPC Mumbai,
5th Floor, A-Wing, Autumn Estates
Chandivali Farm Road, Chandivali
Land Mark:Next to Chandivali Studio, Opp MHADA
Andheri-East,
Mumbai- 400072
INDIA

If you are an NRI in USA, UK, Canada, Australia, Singapore and UAE, you can simply post your documents to the local P.O. Box in your respective countries and save on courier charges.

You can also visit any ICICI Bank branch in India and submit the registration form.To refer to the updated list of our branches please, Click here

For any clarification or more information, please call us on our 24-hour Customer Care or write to us through "Email us" option, at our website Form either directly to NRI Services Centre, Mumbai or Fax it to us or use our PO Box service. By visiting any of our branches in India

Both the domestic debit card and ATM card will allow you to make cash withdrawals at ICICI Bank ATMs in India. The domestic debit card in addition would also allow you to make cash withdrawals at other bank’s VISA enabled ATMs in India and make purchase transactions at all VISA enabled merchant locations in India