In today’s world, where everything is done via mobile phones and the internet, standing in line to Open Bank Account Online is a thing of the past. Imagine opening your bank account from the comfort of your home with just a video call… no need to visit a branch, no lengthy forms, and no repeated submission of documents.
Opening a bank account from home is now incredibly easy
Now, several major banks, including SBI, are offering their customers the facility to open accounts from home. The RBI has clearly stated that anyone can open a new Open Bank Account Online or update their existing KYC from anywhere using video KYC. There is no need to visit a bank branch.
All you need is a mobile phone, internet access, and the necessary documents. A bank official will then contact you via video call and verify your identity. The process is completed in just a few minutes, and your account is opened.
How does Video KYC work and why is it secure?
Video KYC is a fully RBI-approved process. In this process, an authorized bank official verifies your identity through a live video call. During this call, you will be asked to show your Aadhaar card, PAN card, or any other identification document available in your DigiLocker.
The entire process is recorded to prevent any future discrepancies. Since it involves face-to-face interaction, the possibility of fraud is also significantly reduced. The best part is that you don’t have to go to the bank and stand in line.
What is CKYC and why is it so important?
CKYC, or Central Know Your Customer, is a central database where all your KYC-related information is securely stored. When a person completes their KYC for the first time, they receive a unique 14-digit number called a KIN or CKYC number.
The biggest advantage of this is that once your KYC is done, you don’t need to submit documents repeatedly. Whether it’s opening a bank account, taking out insurance, or making an investment, simply providing your CKYC number is sufficient, provided there are no changes to your information.
The biggest advantage of Video KYC
This facility has provided relief, especially for those who cannot find the time to visit the bank due to work, business, or other reasons. Now, senior citizens, women, and people living in smaller towns can also easily open accounts.
In addition, because the entire process is digital, it saves time and gets the job done faster. This is why the RBI is continuously promoting digital banking.
No need to go to the bank anymore, just pick up your mobile phone
If you want to open a new bank account or update your KYC, there’s no need to worry anymore. Simply visit the bank’s official website or app, select the Video KYC option, and attend the video call at the scheduled time. Your work will be completed in no time.
Disclaimer: This article is for general informational purposes only. Bank procedures, rules, and facilities may change over time. Before opening an account or updating your KYC, please obtain information from the relevant bank’s official website or customer care. The author does not claim any financial responsibility.
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