DCB Bank Savings Account

Last Updated : Feb. 12, 2025, 3:03 p.m.

DCB is the new generation private sector bank with 457 branches scattered across the country. DCB Bank was incorporated in the 1930’s. Its promoter and promoter group the Aga Khan Fund for Economic Development (AKFED) and Platinum Jubilee Investments Ltd. holds below 15% stake in the bank. DCB Bank concentrates on excellent customer service and state-of-the-art Internet banking facilities. In this article, we take a deeper look into the DCB Bank savings accout types and how they can give you a significant banking edge.

DCB Bank Savings Account Interest Rates May 2026

Below are the interest rates on savings accounts provided by DCB Bank:

Types of DCB Bank Savings Account

Below are some of the savings accounts provided by DCB Bank.

DCB Elite Savings Account: This savings account can be opened by resident individuals. It is aimed at providing top-notch services to the elite clients. Customers can opt for personalised account numbers.

• Debit card - Visa or Rupay Platinum Card.
• ATM withdrawal limit of 50,000 per day.
• Enhanced limit of 2,00,000 per day for POS and online transactions.
• Locker facility available with 50% discount if AQB of ₹ 1 Lakh is maintained in the account.
• Personal Internet Banking, Mobile Banking App.
• 5 transactions per month at Visa ATMs.
• Free any branch banking
• Free pay orders and demand drafts.

DCB Happy Savings account: This savings account is designed with a view to providing maximum cashback to customers. The maximum cashback in a year is Rs. 75,000. It can be opened by a resident individual.

• Cashback provided for a minimum transaction of Rs 500
• Locker facility available
• Free internet, mobile and WhatsApp banking services
• The minimum Average Quarterly Balance to be maintained in the account is ₹10,000 and to be eligible for cashback, ₹25,000.

DCB Niyo savings account: This savings account is aimed at resident individuals who travel overseas very frequently.

• Zero foreign exchange mark-up Earn attractive interest on your DCB savings account balance .
• No annual maintenance charges
• Easy access to Internet Banking, Mobile Banking App
• Enjoy preferential rates for conversion to foreign currency.
• Withdraw cash from any Visa-accepting ATM around the world
• Card blocking in case of theft or loss, making it convenient and secure.

DCB SmartCash Savings Account: This Savings Account is designed to reward spending, offering cashback for transactions made using the linked Debit Card. Cashback benefits up to ₹ 9,600 in a financial year.

• The minimum Average Quarterly balance to be maintained in this Savings Account is ₹ 10,000 and the minimum AQB to be maintained to earn cashback is ₹ 50,000.
• Free unlimited demand drafts and pay orders.
• Free interbranch banking
• Locker facility available
• Debit card - Visa or Rupay Platinum Card.

DCB Privilege Savings Account: This Savings Account offers flexibility and maximum returns. It is ideal for those who fulfil the minimum total relationship value of ₹ 5 Lakh across Savings Accounts, Current Accounts and Fixed Deposit.

• Priority service at branches
• Debit Card - Visa or Rupay Platinum Card.
• Locker facility
• Personal Internet Banking, Mobile Banking App and Bank on WhatsApp.
• Free transactions per month at Visa ATMs - 5
• Free inter-branch banking
• Free demand drafts and pay orders up to 5 Crore monthly.

DCB Classic Savings Account: This savings account is designed for everyday banking needs. It has a low minimum balance requirement.

• Minimum Average Quarterly Balance requirement of ₹ 5,000 for Tier 1 branches and ₹ 2,500 for Tier 2 branches.
• Debit Card.
• Locker facility available
• Personal Internet Banking, Mobile Banking App and WhatsApp banking.

DCB Basic Savings Bank Deposit Account: This Savings Bank Deposit Account offers individuals the benefits of basic banking services. It is a zero-balance account.

• Free ATM Card.
• Physical and email statement
• Free inter-branch banking
• Internet Banking, Mobile Banking App and Phone Banking.
• All withdrawals and transfers in the account in a month should not exceed 10,000.
• Limits for credits in an FY in Rs. 1lakh
• The balance at any point should be less than Rs. 50,000

DCB Bank Savings Account Benefits

• Attractive interest rates
• Free Internet and mobile banking
• Personalised account numbers
• Zero foreign exchange markup
• Cashback for transactions
• Free access to ATMS and interbranch banking
• This is zero balance savings account

Documents Required for DCB Bank Savings Account

Identity and address proofs are required to open a savings account at DCB Bank. some of the documents are -

Proof of Identity:

• Aadhar Card
• PAN Card
• Voter ID
• Passport
• Company ID Card in case of some companies

Proof of Residence:

• Telephone Bill
• Electricity Bill
• Passport
• Ration Card
• ITR returns

What is the Minimum Balance for a DCB Bank Savings Account?

Below are the minimum balances to be maintained for a DCB savings account.

DCB Bank Savings Account Charges & Fee

How to open a Savings Account in DCB Bank?

DCB savings accounts can be opened offline. Locate the nearest branch using the website. Below are some steps to follow.

Step 1: Download the account opening form from the bank website.

Step 2: Fill in the required details.

Step 3: Upload and save your documents.

Step 4: Take the acknowledgement and documents to the bank for verification.

Step 5: Bank officials will open the account after successful verification.