Terms and Conditions
Terms and Condition
Internet Banking & Mobile Banking
Current Internet Banking and India Banking Terms and Conditions
- applicable w.e.f. july 31, 2023 Internet Banking and India Banking TNC ver 2. 7
- applicable w.e.f. Feb 23, 2024 Mobile App TNC
- applicable w.e.f Mar 7, 2025 Trade Online Application Form and TNC
Historic Internet Banking Terms and Conditions
- applicable w.e.f. July 31, 2023 Mobile App TNC
- applicable w.e.f. November 30, 2018 Internet Banking and India Banking TNC ver 2. 6
- applicable w.e.f. from January 15, 2017 Mobile App TNC
- applicable w.e.f. December 22, 2016 Internet Banking and India Banking TNC ver 2.5
- applicable w.e.f. from December 22, 2016 Mobile App TNC
- applicable w.e.f. December 22, 2015 ver 2.4
- applicable w.e.f. November 1, 2014 ver 2.3
- applicable w.e.f. July 1, 2013 ver 2.2
- applicable w.e.f March 1, 2012 ver 2.1
- applicable w.e.f 01st January 2012 ver 2.0
- applicable w.e.f 01st February 2010 ver 1.6
- applicable w.e.f 01st November 2009 ver 1.5
- applicable w.e.f 01st August 2009 ver 1.4
- applicable w.e.f 01st April 2008
- prior 01st April 2008
India Banking Service
- India Banking Service Terms and Conditions ver 1.1
- India Banking Service Terms and Conditions ver 1.0
Mobile Banking Service
Personal Banking
Current Terms and Conditions
Historic Terms and Conditions
- Applicable from November 27th, 2025
- Applicable from November 1, 2023
- Applicable from August 15, 2023
- Applicable from July 31, 2023
- Applicable from December 01, 2022
- Applicable from May 01, 2022
- Applicable from January 01, 2021
- Applicable from September 17, 2020
- Applicable from September 9, 2020
- Applicable from June 20, 2018 v2.10
- Applicable from January 11, 2018 v2.9
- Applicable from March 03, 2017 v2.8
- Applicable from November 23, 2016 v2.7
- Applicable from October 7, 2016 ver 2.6
- applicable w.e.f. December 22, 2015 ver 2.5
- applicable from November 1, 2014 ver 2.4
- applicable from August 1, 2013 ver 2.3
- applicable from July 12, 2012 ver 2.2
- applicable from March 1, 2012 ver 2.1
- applicable from January 1, 2012 ver 2.0
- applicable from August 15, 2011 ver 1.14
- applicable from February 4, 2011 ver 1.13
- applicable from December 31, 2010 ver 1.12
- applicable from October 14, 2010 ver 1.11
- applicable from February 1, 2010 ver 1.10
- applicable from January 1, 2010 ver 1.9
- applicable from November 1, 2009 ver 1.8
- applicable from w.e.f August, 2009 ver 1.7
- applicable April 1 to October 1, 2008 ver 1.4
- prior February 1 to April 1, 2008 ver 1.3
- prior February 1, 2008 ver 1.2
Debit Card Terms and Conditions
- Debit Card Terms and Conditions applicable from July 20, 2023
- 3d Secure Terms and Conditions applicable from December 2016
Historic Terms and Conditions
- applicable from January 19, 2017
- applicable from December 1, 2011 ver 2.0
- applicable from May 1, 2010 ver 1.5
Google Pay Terms and Conditions
Child Account Terms and Conditions
Private Banking
Fixed Deposit (Withdrawable)
Current Terms and Conditions
- Fixed Deposit (Withdrawable) Terms and Conditions ver 2.4 July 31, 2023
- Annual Summary of changes from July 31, 2023
Historic Terms and Conditions
- Fixed Deposit (Withdrawable) Terms and Conditions ver 2.3 March 03, 2017
- Fixed Deposit (Withdrawable)Terms and Conditions ver 2.2 January 31, 2017
- Fixed Deposit (Withdrawable) Terms and Conditions ver 2.1 December 22, 2015
- Fixed Deposit (Withdrawable) Terms and Conditions ver 2.0 September 2012
- SuperSaver Terms Deposit Terms and Conditions ver 2.1 July 2013
Notice Savings Account (Branch)
Current Terms and Conditions
Historic Terms and Conditions
Text Alerts Service
Current Terms and Conditions
Historic Terms and Conditions
Corporate Banking
Current Terms and Conditions
Historic Terms and Conditions
Business Banking
Current Terms and Conditions
Other Linked Products Current Terms and Conditions
- FX transfers on Corporate Internet banking applicable from August 7, 2017
- Applicable w.e.f from December 22, 2016 Business Savings Account TnC ver 1.1
Historic Terms and Conditions
- Applicable from 31st January 2025
- Applicable from 15th July 2024
- Applicable from 25th April 2024
- Applicable from July 31, 2023
- Applicable from May 18,2023
- Applicable from February 01,2023
- Applicable from August 10, 2022
- Applicable from July 04, 2022
- Applicable from November 02, 2020
- Applicable from January 15, 2018 v1.9
- Online Forex Payment Services applicable from May 3, 2017
- Applicable from March 03, 2017 v1.8
- Online Forex Payment Services applicable from May 14, 2015
- Applicable from November 23, 2016 v1.7
- applicable w.e.f prior to December 22, 2016 Business Savings Account TnC ver 1.0
- applicable from October 27, 2016 ver 1.6
- applicable from December 22, 2015 ver 1.5
- applicable from November 1, 2014 ver 1.4
- applicable from July 1, 2013 ver 1.3
- applicable from January 1, 2012 ver 1.2
- applicable from December 31, 2010 ver 1.1
- applicable from November 01, 2009 ver 1.0
HiSAVE Fixed Rate Account
Current Terms and Conditions
Historic Terms and Conditions
- ver 1.22 applicable w.e.f. November 30, 2018 (pdf)
- ver 1.21 applicable w.e.f. March 03, 2017
- ver 1.20 applicable w.e.f. January 31, 2017
- ver 1.19 applicable w.e.f. December 22, 2015
- ver 1.18 applicable w.e.f. April 3, 2014 (pdf)
- ver 1.17 applicable w.e.f. July 1, 2013 (pdf)
- ver 1.16 applicable w.e.f. April 25, 2013 (pdf)
- ver 1.15 applicable w.e.f. October 1, 2012 (pdf)
- ver 1.14 applicable w.e.f. August 22, 2012 (pdf)
- ver 1.13 applicable w.e.f. June 20, 2012 (pdf)
- ver 1.12 applicable w.e.f. January 1, 2012 (pdf)
- ver 1.11 applicable w.e.f February 11, 2011 (pdf)
- ver 1.10 applicable w.e.f December 31, 2010 (pdf)
- ver 1.9 applicable w.e.f June 21, 2010 (pdf)
- ver 1.8 applicable w.e.f April 01, 2010 (pdf)
- ver 1.7 applicable w.e.f November 01, 2009 (pdf)
- ver 1.6 applicable w.e.f July 15, 2009 (pdf)
- ver 1.5 prior July 15, 2009 (pdf)
- ver 1.4 prior June 11, 2009 (pdf)
- ver 1.3 prior April 20, 2009 (pdf)
- ver 1.2 prior January 29, 2009 (pdf)
- ver 1.1 prior December 24, 2008 (pdf)
HiSAVE Accounts
Current Terms and Conditions
Historic Terms and Conditions
- ver 1.23 applicable w.e.f. August 15, 2023 (pdf)
- ver 1.23 applicable w.e.f. July 31, 2023 (pdf)
- ver 1.22 applicable w.e.f. 5 January, 2023 (pdf)
- ver 1.21 applicable w.e.f. 5 July, 2020 (pdf)
- Annual Summary of changes – 5 July, 2020 (PDF)
- ver 1.20 applicable for all new accounts w.e.f. 14th February , 2020 (pdf)
- ver 1.19 applicable w.e.f. November 30, 2018 (pdf)
- ver 1.18 applicable w.e.f. March 03, 2017 (pdf)
- ver 1.17 applicable w.e.f. December 06, 2016 (pdf)
- ver 1.16 applicable w.e.f. December 22, 2015 (pdf)
- ver 1.15 applicable w.e.f. July 1, 2013 (pdf)
- ver 1.14 applicable w.e.f. April 25, 2013 (pdf)
- ver 1.13 applicable w.e.f. October 1, 2012 (pdf)
- ver 1.12 applicable w.e.f. August 22, 2012 (pdf)
- ver 1.11 applicable w.e.f. January 1, 2012 (pdf)
- ver 1.10 applicable w.e.f February 11, 2011 (pdf)
- ver 1.9 applicable w.e.f December 31, 2010 (pdf)
- ver 1.8 applicable w.e.f August 21, 2010 (pdf)
- ver 1.7 applicable w.e.f November 01, 2009 (pdf)
- ver 1.6 applicable w.e.f July 15, 2009 (pdf)
- ver 1.5 prior July 15, 2009 (pdf)
- ver 1.4 prior July 7, 2009 (pdf)
- ver 1.3 prior April 20, 2009 (pdf)
- ver 1.2 prior January 29, 2009 (pdf)
- ver 1.1 prior October 18, 2007 (pdf)
- HiSAVE Savings Promotional Offer Terms and Conditions (pdf)
- HiSAVE Savings Promotional Offer Terms and Conditions Ver. 2 (pdf)
HiSAVE Bonus Saver – Series Two
Current Terms and Conditions
This Product is no longer available to new customers.
Historic Terms and Conditions
HiSAVE SuperSaver Savings Account – Bonus Saver
Current Terms and Conditions
This Product is no longer available to new customers
Historic Terms and Conditions
HiSAVE SuperSaver Savings Account – Series Issue
Current Terms and Conditions
Historic Terms and Conditions
- ver 1.22 applicable w.e.f. 5 January, 2023 (pdf)
- ver 1.21 applicable w.e.f. 5 July, 2020 (pdf)
- General Terms and Conditions - applicable from March 03, 2017 ver 1.3
- HiSAVE SuperSaver Savings Account – Issue One - applicable from December 06, 2016 ver 1.2
- General Terms and Conditions - applicable from December 06, 2016 ver 1.2
- General Terms and Conditions - applicable from December 22, 2015 ver 1.1
- HiSAVE SuperSaver Savings Account – Issue One - applicable from December 22, 2015 ver 1.1
HiSAVE Remittance Account
HiSAVE Bonus Saver Account
Current Terms and Conditions
Historic Terms and Conditions
- ver 1.22 applicable w.e.f. 5 January, 2023 (pdf)
- ver 1.21 applicable w.e.f. 5 July, 2020 (pdf)
- General Terms and Conditions
- HiSAVE Bonus Saver Account From 17th January 2019 onwards
HiSAVE Notice Savings Account
Current Terms and Conditions
Historic Terms and Conditions
- ver 1.22 applicable w.e.f. 5 January, 2023 (pdf)
- ver 1.21 applicable w.e.f. 5 July, 2020 (pdf)
- HiSAVE Notice Savings Account
- ver 1.19 applicable w.e.f. November 30, 2018 (pdf)
- ver 1.20 applicable for all new accounts w.e.f. 14th February , 2020 (pdf)
- HiSAVE Notice Savings Account From 20th November 2019 onwards
Money Transfers (Personal Current Account)
Current Terms and Conditions
Historic Terms and Conditions
- Non-Account Holders applicable from July 31, 2023
- Account Holders applicable from September 22, 2023
- Account Holders applicable from July 31, 2023
- Annual Summary of changes for Account holders from July 31, 2023
- Account Holders applicable from Nov 1, 2020
- Non-Account Holders applicable from August 19, 2022
- applicable from June 26, 2017
- applicable from October 25, 2016 ver 1.7
- applicable from December 22, 2015 ver 1.6
- applicable from March 20, 2014
- applicable from July 1, 2013
- applicable from January 1, 2012
- applicable from October 1, 2010
- applicable from November 1, 2009
Money2India UK
Current Terms and Conditions
Historic Terms and Conditions
Promotional Offers
Current Terms and Conditions
- Special Promo for M2I UK New Customers from Jul 01 to Sep 30, 2026
- Common Money Transfers applicable from November 15, 2019
- Refer-a-friend program for UK Current Account (HVCA)
Historic Terms and Conditions
- Special Promo for M2I UK registered users from Apr 15 to May 15, 2026
- Special Promo for Personal Current Account Customers from Apr 15 to May 15, 2026
- Special Promo for M2I UK New Customers (Originally Valid Until Sep 30, 2026; Suspended Effective Jul 06, 2026)
- Special Promo for M2I UK registered users from Feb 10, 2026 to Mar 31, 2026
- Special Promo for M2I UK registered users from Nov 26 to Mar 31, 2026
- Special Promo for M2I UK registered users from Mar 19 to Mar 31, 2026
- Special Promo for M2I UK registered users from Feb 27, 2026 to Mar 4, 2026
- Special Promo for M2I UK registered users from Jan 26, 2026 to Jan 31, 2026
- Special Promo for M2I UK registered users from Dec 21, 2025 to Jan 2, 2026
- Special Promo for M2I UK New Customers from Aug 02 to Dec 31, 2025
- Special Promo for M2I UK registered users from Nov 25 to Nov 30, 2025
- Special Promo for M2I UK registered users from Aug 02 to Oct 31, 2025
- Google Pay £5 Reward Offer from 29 Oct 2024 to 10 Jan 2025
- Special Promo for M2I UK New Customers from Oct 1 – Dec 31, 2024
- Exclusive rate of 15 paise on Money Transfers to India from Oct 25 to Dec 31, 2024
- Special Promo for M2I UK registered users from Oct 20 - Nov 10, 2024
- Extra 30 paisa benefit on money transfers to India from Oct 20 - Nov 10, 2024
- Special Promo for M2I UK registered users from Oct 3 - Oct 12, 2024
- Extra 30 paisa benefit on money transfers to India from Oct 3 - Oct 12, 2024
- Extra 30 paisa benefit on money transfers to India from 5th Sep to 17th Sep, 2024
- Special Promo for M2I UK New Customers from June 11 – Sep 30, 2024
- Extra 30 paisa benefit on money transfers to India from 14th Aug to 20th Aug, 2024
- Special Promo London Mahotsav from April 20 – 30, 2024
- FESTIVE Cashback Offer 19 Jan - 29 Feb
- Extra 10 paisa benefit on money transfers to India from 26th Jan to 28th Jan, 2024
- Extra 10 paisa benefit on money transfers to India from December 19, 2023 to January 3, 2024
- Festive Cashback December 2023 Promotion
- Extra 15 paisa benefit on money transfers to India from November 9, 2023 to November 23, 2023
- Festive Cashback Offer October 17-27, 2023
- 10 paise preferential rate on money transfers to India from 19th Sep 23 to 27th Sep 23
- Independence Day Master creative – preferential rate promotion ICICIDAY15
- Independence Day Master Creative – Terms and Conditions
- Safe Deposit Box zero rental offer from June 1 2021
- 15 paisa extra on remittance to India from April24, 2023 till May 15, 2023
- Monthly average balance waiver Promotion on HomeVantage Current Account (HVCA)
- INR 1000 extra on your first remittance applicable from April 1, 2021
- Remittance Festive Delights with cashback of upto £25 from 01 November, 2021
- INR 1000 extra on your first remittance to Jan 1, 2020
- Incentive on Repeat Transfers
- INR 1000 extra on your first remittance to NRE NRO Bank account
- Wonderchef offer Terms and Conditions
- Zero Fees on your money transfers to India
- Common Money Transfers applicable from feb 13, 2019
- Common Money Transfer
- Referral Program
- Mobile Banking App Offer
- 20 Paise Preferential Rate offer
- YuppTV Promotional Offer
- Cash Back Offer
- Navratri Promotional Offer
- Mobile App £10 cash back
- Festive offer
- Provogue watch offer Terms and Conditions
- India Calling Card Terms and Conditions
- Zero charges on money transfers to India offer
- Transfer Money to India for a Chance to Win GBP 100 Cash Back
- No Charges on Money Transfers to India with a HiSAVE Remittance Account
- TRANSFER MONEY AND WIN AN iPAD MINI* OR GIFT VOUCHERS WORTH GBP 100
- Diwali 2013: Free Silver Coin Special Offer
- Remit Fly Diwali TNC
Travel Money
Historic Terms and Conditions
- applicable from June 10, 2015
- Indra Travel Terms and Conditions
- Aether Mobile Terms and Conditions
- applicable from February 24, 2015
- applicable from October 1, 2013
- applicable from September 2, 2013
- applicable from June 1, 2013
- applicable from May 22, 2013
- applicable from May 15, 2013
- applicable from May 08, 2013
- applicable from January 14, 2013
Indian Rupee Travel Card
Historic Terms and Conditions
Investment Services
Historic Terms and Conditions
Relationship Rewards
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