Compare Bank of Baroda bob Advantage Savings Account and ICICI Bank Savings Account (new accounts from Aug 2025) using the controlling cost, balance, rate, tenure, liquidity, limits, eligibility and current first-party bank evidence for this product type.
Compare the two source-backed records without collapsing unlike conditions into a winner score.
New-to-Bank-of-Baroda resident adults who want the bank's conventional savings account and can maintain the applicable location-based balance while using the branchless full-KYC route.
New ICICI Bank savings customers who can maintain the applicable location-based balance or qualify for an exempt relationship programme.
bankingreference.info · Comparison research sheet
Prepared 14 Sep 2026 · Source page: https://bankingreference.info/compare-banking/bob-advantage-savings-account-vs-icici-savings-account-aug-2025/
General product research only. Recheck the listed first-party sources before acting because product terms can change after the recorded review dates.
Each checkpoint reproduces the recorded product fields instead of assigning a winner. Read the condition, scope and missing-data state before treating a difference as useful to you.
Source review: September 10, 2026
Maintenance: Within the scheduled review window
2 attached sources. A review date is not a guarantee that terms have stayed unchanged.
Source review: September 10, 2026
Maintenance: Within the scheduled review window
2 attached sources. A review date is not a guarantee that terms have stayed unchanged.
The stored field wording is preserved. Product-type-specific evidence follows this generic comparison where deeper structured research exists.
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| Decision factor | Bank of Baroda bob Advantage Savings Account | ICICI Bank Savings Account (new accounts from Aug 2025) |
|---|---|---|
| Cost / charges | The current product page lists location-based minimum balance and says MAB non-maintenance charges are nil; debit-card and optional-service charges remain governed by current schedules. | Non-maintenance charge is reviewed as 6% of the shortfall or ₹500, whichever is lower, unless an applicable programme exemption is met. |
| Balance / relationship | ₹2,000 metro/urban, ₹1,000 semi-urban and ₹500 rural under the current product page. | For new accounts opened from 1 August 2025: ₹15,000 MAB in metro/urban, ₹7,500 in semi-urban and ₹2,500 in rural locations, subject to listed exemptions. |
| Core benefits | Debit-card eligibility, mobile banking, internet banking, multiple withdrawal options, DICGC-covered deposits subject to rules and full V-KYC as an allowed account-opening mode. | Personalised debit card options, iMobile/Net Banking, UPI/bill payments and relationship programmes. |
| Limits / allowances | No ceiling for ordinary adult balances; separate special limits apply to certain self-operated minor accounts. Debit-card limits depend on the card actually issued. | Transaction limits depend on the selected debit card/channel and current service schedule. |
| Eligibility | Underlying account supports a broad set of eligible resident customers, but the V-KYC channel is limited to tax-resident Indian adults 18+, new-to-bank, non-PEP, single/self operation. | New savings accounts opened on or after 1 August 2025; salary accounts, older savings accounts and certain special/basic account categories follow separate rules. |
| Ongoing relationship rule | Mainstream bob savings relationship. Debit card is eligible but no exact card variant is guaranteed on the product page, so no named card edge is inferred. | Standalone ICICI Bank savings relationship with optional programme/family relationships. |
A useful comparison shows what can make either option unsuitable instead of averaging those conditions into a score.
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Reviewed September 10, 2026 · 2 attached first-party sources
Reviewed September 10, 2026 · 2 attached first-party sources