Canara Bank savings account can be applied and opened instantly online from the bank’s website or by downloading the Canara DiYA app. Canara DiYA is a platform introduced by Canara Bank for online account opening. The full form of DiYA is Digitally Your Account.
Online account opening: Canara DiYA provides a platform for individuals to open a savings account online from anywhere in 5 minutes. The account opening process is completely paperless and you don’t have to visit the bank branch to open a savings account.
Instant account opening process: The account is opened instantly. Individuals can open the account by adding their Aadhaar number and verifying their Aadhaar details through the OTP received on their mobile number. The account opened is an eKYC account and customers can start banking instantly. The PAN is also verified which allows for a smoother online account opening journey.
Minimum average balance: As the savings account opened through DiYA is a regular savings account, the account created online has a minimum average balance. The minimum average balance requirement of the account is Rs.1000 for urban customers and Rs.500 for customers residing in semi-urban and rural areas.
Facilities: Facilities such as net banking, mobile banking, debit card, cheque book facilities are some of the facilities available to Canara Bank customers. You can see a list of the features during the account opening journey.
Select Bank Branch: Individuals opening the bank account online can select the bank branch of their choice.
Open without PAN card: You can open a Canara Bank account online without a PAN card. This makes it easier for people who don’t have PAN to open a bank account online. Without PAN, customers won’t be able to transact beyond Rs.50,000. Also, after the online account opening process is complete, customers need to visit the nearest bank branch to submit Form 60.
Limit on transaction and spends: As the account opened is an e-KYC account, there are certain restrictions on limits and transactions. Account-holders cannot keep more than Rs.1 lakh in their account and do credit transactions of more than Rs.2 lakh in a financial year.
A Aadhaar card and PAN card are required to open a Canara Bank account online. Individuals who don’t have a PAN card can also open their bank accounts online.
Interested people can open a Canara Bank savings account online by downloading the DiYA app or through the web browser. In both ways, you have to fill out an online account opening form.
Step 1: Download the Canara Diya app or click here to start the online account opening process through the web browser.
Step 2: If you are opening a Canara Bank account for the first time, click on ‘I think I’m seeing you for the 1st time’.
Step 3: Enter your Aadhaar number, agree on the terms and conditions and tap on ‘Verify’ to proceed.
After this, you have to give your acceptance of certain terms and conditions including the FATCA declaration. If you are an Indian resident citizen, click on ‘I agree’. Add the OTP that you have received on your registered mobile number.
Step 4: Your basic details including your name, Aadhaar address will be fetched from the Aadhaar database.
Step 5: If your communication address is different from Aadhaar address, you can add your communication address.
Step 6: As mentioned earlier, customers without PAN card can open Canara Bank savings account online. In this step, you need to select if you want to proceed with your PAN card or without your PAN card. If you don’t have a PAN card, click on ‘I don’t have PAN’ and if you have PAN, click on ‘I have PAN’. People who don’t have PAN should submit their form 60 to the nearest bank branch.
If you have PAN, enter your PAN and click on verify to continue.
Step 7: In this next step, you can provide your Passport number, voter id number. However, it is not required. Add your profession and income.
Step 8: Now, you will find the different features of the account listed such as debit card, internet banking etc. Add your father’s name, mother’s name and nominee details. Select your branch, state, search for the nearest bank branch.
Step 9: Add your mobile number and email id to register with the bank account. Enter the OTP that you have received on your mobile number. Click on ‘Open Account’.
Your account is now open and you will receive your account details such as account number and branch on the screen as well as on email, message.
Canara DiYA is a platform to open Canara Bank savings account online. Canara DiYA is available on the web browser and app. Opening an account online is a simple process and takes just a few minutes.
Yes, you can open Canara Bank savings online through Canara DiYA and the mobile banking app. Just fill-up the online account form and you will receive your account number and other details on your mobile number and e-mail id.
The minimum balance of the Canara Bank savings account for individuals residing in urban areas is Rs.1000 while it is Rs.500 for customers residing in semi-urban and rural areas.
You need an Aadhaar card and PAN card to open a Canara account online.
Yes. Canara Bank savings account can be opened online without a PAN card.
Canara DiYA is not a zero balance account and it is a platform to open a savings account online. The minimum average balance of the account is as per the regular savings account. The minimum average balance account is Rs.500 and Rs.1000 for individuals residing in rural and urban areas.
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