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YES BANKSavings account

YES BANK PRO Plus Savings Account

A ₹25,000-AMB YES BANK savings variant available through the bank's digital Video-KYC journey, with current digital-page card terms that must be read alongside a conflicting debit-card catalogue.

First-party evidencePublished researchReviewed September 10, 2026Active
Open primary bank source ↗Bank dossierCompare alternatives
Balance / relationship₹25,000 Average Monthly Balance under the current product page.
Cost / chargesThe reviewed savings schedule applies shortfall-based non-maintenance charges when AMB is missed; the published schedule caps the PRO Plus charge at ₹750, subject to current tariff revisions.
Limits / allowancesThe current Digital Savings page lists ₹50,000 domestic ATM and ₹1.5 lakh domestic POS limits for PRO Plus, but the broader debit-card catalogue says new ENGAGE issuances are discontinued; verify the actual replacement/current card variant at opening.
Ongoing relationship ruleDigital Savings PRO Plus relationship with ₹25,000 AMB. The digital page names ENGAGE as the default physical card, but a current debit-card catalogue says new ENGAGE issuance is discontinued, so the exact issued physical variant is refresh-gated rather than hard-linked.
Research processPublished by bankingreference.info

Structured from first-party bank/issuer evidence. This page does not claim personal hands-on product use unless that experience is explicitly stated.

4 first-party sourcesFirst-party conflict preserved
Last checkedSeptember 10, 2026

Recorded source review date, not a claim that the product changed that day.

Maintenance stateRecheck approaching

Target recheck: January 8, 2027.

Critical decision facts

Start with the ongoing account relationship, then price the access layer.

Balance or salary conditions, charges, allowances and downgrade rules can matter more than a promotional benefit.

01 · Balance / relationship₹25,000 Average Monthly Balance under the current product page.
02 · Cost / chargesThe reviewed savings schedule applies shortfall-based non-maintenance charges when AMB is missed; the published schedule caps the PRO Plus charge at ₹750, subject to current tariff revisions.
03 · Limits / allowancesThe current Digital Savings page lists ₹50,000 domestic ATM and ₹1.5 lakh domestic POS limits for PRO Plus, but the broader debit-card catalogue says new ENGAGE issuances are discontinued; verify the actual replacement/current card variant at opening.
04 · Ongoing relationship ruleDigital Savings PRO Plus relationship with ₹25,000 AMB. The digital page names ENGAGE as the default physical card, but a current debit-card catalogue says new ENGAGE issuance is discontinued, so the exact issued physical variant is refresh-gated rather than hard-linked.
Exact product-type evidence

Savings account evidence stays in its own structure.

Specialist fields below remain source-scoped. Missing values stay missing; one banking product type is never used to manufacture facts for another.

Digital opening journey

What has to happen before this account is fully usable.

Digital availability is verified separately from the account’s normal balance and fee rules. Reviewed September 10, 2026.

Opening channelYES BANK website or IRIS mobile app digital savings journey.
KYC / Video KYCPersonal details → Aadhaar authentication → Video KYC under the current Digital Savings journey.
Documents / authenticationAadhaar and PAN are the typical required documents; the mobile number should be linked with Aadhaar for OTP verification.
Initial fundingThe current public digital page says initial payment depends on the selected product variant; the reviewed page does not establish one universal PRO Plus opening-funding number.
Customer restrictionResident-adult savings eligibility and the selected digital variant's current onboarding rules apply; specialized accounts can require different documentation or branch verification.
Location / device ruleVideo KYC/V-CIP controls apply. No broader geographic promise beyond the bank's eligible onboarding process is inferred.
Fallback routeYES BANK says some specialized accounts require in-branch verification/additional documents; branch support remains the fallback when the digital journey is not eligible or cannot be completed.
If KYC / opening is incompleteThe active PRO Plus digital proposition is modeled as fully operative after Video KYC; older limited-KYC variants are not treated as equivalent to the current full-KYC account.
Verify digital opening source ↗
Maintained terms

Fees, balances, benefits, limits and eligibility without a single-score shortcut.

These six fields are the cross-product layer. The specialist section above controls whenever a type-specific field is more precise.

Cost / chargesThe reviewed savings schedule applies shortfall-based non-maintenance charges when AMB is missed; the published schedule caps the PRO Plus charge at ₹750, subject to current tariff revisions.
Balance / relationship₹25,000 Average Monthly Balance under the current product page.
Core benefits24x7 YES Online/IRIS access, current digital-account rewards/locker benefits and a physical debit-card proposition; the digital page names ENGAGE by default.
Limits / allowancesThe current Digital Savings page lists ₹50,000 domestic ATM and ₹1.5 lakh domestic POS limits for PRO Plus, but the broader debit-card catalogue says new ENGAGE issuances are discontinued; verify the actual replacement/current card variant at opening.
EligibilityAvailable under YES BANK's current savings-account opening/KYC rules and product availability.
Ongoing relationship ruleDigital Savings PRO Plus relationship with ₹25,000 AMB. The digital page names ENGAGE as the default physical card, but a current debit-card catalogue says new ENGAGE issuance is discontinued, so the exact issued physical variant is refresh-gated rather than hard-linked.
Fit & cautions

Who this record appears designed for—and what can break the fit.

Best-fit wording summarizes the published proposition. It is not individualized financial advice or an approval prediction.

Potential fit

YES BANK customers comfortable maintaining ₹25,000 AMB who want stronger debit-card and lifestyle benefits than the lower-balance PRO tier.

Verify before relying
  • YES BANK's current Digital Savings page names ENGAGE as the default PRO Plus physical card, while the current debit-card catalogue says new ENGAGE issuances are discontinued; the engine exposes this first-party conflict instead of creating a guaranteed card edge.
  • The ₹25,000 AMB is a real ongoing requirement and is separate from any opening-payment step.
  • Joining rewards, card offers and locker discounts are promotional/conditional and can change.
Verified product relationships

Links the bank explicitly documents.

This section is narrower than the same-bank map below. Every relationship shown here has its own first-party evidence; products merely sharing a bank are not treated as linked.

Bold debit card

YES BANK Bold Debit Card

YES BANK explicitly advertises Bold Debit Card with the YES PRO Plus Savings Account proposition.

Current PRO Plus account terms control card fee treatment and programme benefits; the edge does not extend to other YES debit-card variants.Verify relationship at bank ↗
Maintained comparisons

Compare this product only where the pair is deliberately maintained.

Both sides keep independent review dates, exact conditions and first-party evidence. No winner score is generated.

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First-party source ledger

Complete evidence set for this maintained profile.

Each source remains independent. A product page, tariff, KFS/MITC, rate schedule or programme document is not silently treated as interchangeable evidence.

01
Primary product / service sourcewww.yes.bank.in
Open source ↗02
Additional first-party evidencewww.yes.bank.in
Open source ↗03
Additional first-party evidencewww.yes.bank.in
Open source ↗04
Additional first-party evidencewww.yes.bank.in
Open source ↗
Current-use rule

When the bank changes a term after the recorded review, the current agreement, tariff, KFS/MITC or effective rate table controls.

Research boundary

This page organizes dated public evidence; it does not guarantee eligibility, availability, approval, service quality or future pricing.