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YES BANKSavings account

YES BANK PRO Savings Account

YES BANK's ₹10,000-AMB PRO savings variant available through the current digital Video-KYC journey, with an instant virtual Visa Platinum card and a source-conflicted physical-card mapping.

First-party evidencePublished researchReviewed September 10, 2026Active
Open primary bank source ↗Bank dossierCompare alternatives
Balance / relationship₹10,000 Average Monthly Balance under the current Digital Savings page.
Cost / chargesCurrent Digital Savings material sets ₹10,000 AMB for PRO; non-maintenance and service charges follow the live savings schedule. The digital route itself is not described as carrying a separate account-opening fee.
Limits / allowancesCurrent Digital Savings material lists a ₹50,000 virtual-card shopping limit and, for the named PRO physical-card proposition, ₹30,000 domestic ATM / ₹1 lakh domestic POS limits.
Ongoing relationship ruleThe current digital page names an ELEMENT physical card on request, but the bank's current debit-card catalogue says new ELEMENT issuance is discontinued; the physical-card endpoint is therefore 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.

3 first-party sources
Last checkedSeptember 10, 2026

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

Maintenance stateWithin scheduled review window

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₹10,000 Average Monthly Balance under the current Digital Savings page.
02 · Cost / chargesCurrent Digital Savings material sets ₹10,000 AMB for PRO; non-maintenance and service charges follow the live savings schedule. The digital route itself is not described as carrying a separate account-opening fee.
03 · Limits / allowancesCurrent Digital Savings material lists a ₹50,000 virtual-card shopping limit and, for the named PRO physical-card proposition, ₹30,000 domestic ATM / ₹1 lakh domestic POS limits.
04 · Ongoing relationship ruleThe current digital page names an ELEMENT physical card on request, but the bank's current debit-card catalogue says new ELEMENT issuance is discontinued; the physical-card endpoint is therefore 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.
KYC / Video KYCStart with personal details, authenticate Aadhaar and complete Video KYC.
Documents / authenticationAadhaar and PAN; Aadhaar-linked mobile is required for OTP-based e-KYC under the reviewed online guidance.
Initial fundingThe bank says any initial payment depends on the product variant; no universal PRO opening-funding figure is asserted from the reviewed page.
Customer restrictionSubject to resident-adult savings eligibility and current digital-onboarding controls; not every specialized YES BANK account is eligible for the same digital route.
Location / device ruleVideo-KYC controls apply; no broader location assumption is added beyond the current bank process.
Fallback routeSome specialized accounts may require branch verification/additional documentation; branch support is the fallback if the digital journey is unavailable.
If KYC / opening is incompleteCurrent PRO is modeled as fully operative after Video KYC. Historic/limited-KYC YES variants are not treated as the same product.
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 / chargesCurrent Digital Savings material sets ₹10,000 AMB for PRO; non-maintenance and service charges follow the live savings schedule. The digital route itself is not described as carrying a separate account-opening fee.
Balance / relationship₹10,000 Average Monthly Balance under the current Digital Savings page.
Core benefitsInstant virtual Visa Platinum debit card, YES Online/IRIS access, YES Rewardz eligibility and digital opening through Aadhaar authentication plus Video KYC.
Limits / allowancesCurrent Digital Savings material lists a ₹50,000 virtual-card shopping limit and, for the named PRO physical-card proposition, ₹30,000 domestic ATM / ₹1 lakh domestic POS limits.
EligibilitySubject to YES BANK resident-individual savings eligibility, Aadhaar/PAN digital-KYC requirements and current onboarding controls.
Ongoing relationship ruleThe current digital page names an ELEMENT physical card on request, but the bank's current debit-card catalogue says new ELEMENT issuance is discontinued; the physical-card endpoint is therefore 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

Resident adults who want YES BANK's lower-AMB digital savings variant and can maintain ₹10,000 average monthly balance.

Verify before relying
  • The ₹10,000 AMB remains an ongoing balance requirement even though account opening is digital.
  • YES BANK's Digital Savings page names ELEMENT as the PRO physical card on request, while its current debit-card catalogue says new ELEMENT issuances are discontinued; verify the actual current replacement card before relying on those physical-card limits.
  • Virtual-card and physical-card limits are separate and should not be conflated.
  • Promotional YES Rewardz/locker/Demat benefits can change independently of the core account.
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 ↗
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.