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Regular Current Account

Best-in-class solution for your business needs

Top Features of Regular Current Account

About Regular Current Account

    Our Regular Current Account is designed to help businessmen like you with your day-to-day transactional needs and provides a wide range of handcrafted service packages - Basic, Value, Maximum, Premium, and Exclusive. Choose any of these packages with a single minimum balance commitment as per your growing business requirements.

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Features and Benefits

Benefits of Regular Current Account

Receive customer payments through:

  • Multiple collection modes: With various options to choose from, customers can make payments free of cost through NEFT/RTGS/IMPS/IFT. 
  • Seamless transactions: Eliminate tedious processes, let your customers switch to an easier choice - free of cost through our QR code and UPI facility. 
  • Bank locations: All your cheque collections can be received free of cost at our bank locations, whether local or outstation. 
  • Cash deposit machines:  Avail 24X7 cash deposits to ensure you receive your payments without time restrictions. 
  • Cash deposit limits: Higher and flexible cash deposit limits in all Regular current account packages 
  • Merchant solutions: Receive Payments through our Point of Sale (POS) and Payment Gateways. 

Make vendor payments through:

  • Multiple digital channels: Choose how you would like to pay vendors with our multiple payment modes such as NEFT/RTGS/IMPS/IFT. 
  • Cash withdrawals: For all your payments made by cash, you can be assured of free cash withdrawals from any of our branches and ATMs. 
  • 24X7 Online banking: Transfer funds through our digital platforms like AU 0101 App, Retail, and Corporate NetBanking for secure payments. 
  • Debit Card: Free Business Debit Card with all Regular Current Account packages. 
  • Bank locations: Benefit from unlimited DDs payable at our correspondent bank locations.  

Other Benefits:

  • Dropline Overdraft: Basis on your QR transactions, you can get access to our Dropline Overdraft facility*
  • Tax payments: Individuals and corporates can now benefit from our online Tax payment facility. 
  • Lounge access: Enjoy domestic airport lounge access once in a quarter on select card variants. 
  • Other payments: Make space for miscellaneous payments such as Bill Payments (NETC), FASTag, EMI & more. 
  • Extended banking hours: Enjoy the freedom to conduct your banking activities on your own time with extended business hours^.
  • Doorstep banking: Make the most of our cheque pickup and cash pickup/delivery facility at your registered business address^^.
  • Cash management services: Keep track and manage cash efficiently with our various options such as Virtual Account Management, Bulk Upload, Employee Salary solutions, etc. 
  • No deposit slips: Our services are more convenient as no deposit slips are required to make deposits. 
  • Other features: Account statement, passbook, locker, Sweep-In, and high-cash deposit features are also available with our Regular Current Account. 

^Not applicable in some select locations. To know your branch timings, click here.

^^Available at select locations.

*Terms & Conditions apply.

Fees and Charges

For complete details on fee and service charges, click here

Eligibility criteria

All business enterprises (Private Limited and Public companies, Partnership Firms, Proprietorship firms, Cooperative societies, Hindu Undivided Families etc.) and resident individuals are eligible for opening a Regular Current Account with us.

Documents required for a Regular Current Account

  • You will need to furnish the following documents to open a Regular Current Account with us:
  • Duly filled Account Opening Form
  • PAN Number of Entity (In Sole Proprietorships, same is required of Proprietor)
  • KYC documents of the entity as per customer type
  • Address proof in the name of the entity if different from entity proof
  • Official Valid Documents of Authorized Signatories & Beneficial Owners#
  • Beneficial Ownership# Declaration
  • Initial funding cheque as per Regular Current Account package
  • Credit facility declaration

For more details on product features and documentation, please contact your nearest branch or call us on toll-free number 1800 1200 1200.

How to open a Regular Current Account?

You can apply for a Regular Current Account in more than one way, depending on your convenience:

  • Branch visit: You can visit your nearest branch and open a Regular Current Account in person.
  • Online form: You can even open a Regular Current Account online by filling out the online form. We will then contact you to complete the documentation.
  • Customer Care: You can alternatively apply for a Regular Current Account by dialing our customer care number 1800-1200-1200 or emailing us at [email protected].
  • Relationship Manager: Existing customers can get in touch with their dedicated Relationship Managers to find out more about the process.

Recommended products:

AU Royale BusinessAU Power Current Account​Corporate Mobile BankingCorporate NetBankingAU Vishesh Current Account​Merchant Payment Services

#Not applicable for Individual and Sole Proprietorships



Q1. Is a Regular Current Account mandatory for business?

It is safer and more prudent to open a Regular Current Account for your business, as you might need to conduct multiple transactions daily for your business. Additionally, it can help keep your business affairs separate from personal financial transactions. A Current Account also offers specific features that enable smooth, swift, and secure business operations.

Q2. Who can open a Regular Current Account?

All business enterprises (Private Limited and Public companies, Partnership Firms, Proprietorship firms, Cooperative societies, Hindu Undivided Families etc.) or Individual professionals are eligible for opening a Regular Current Account.

Q3. How do I open a Regular Current Account?

You can open a Regular Current Account with us by reaching out to your nearest branch. You can also apply online, fill up the online form and wait for our representative to get back to you. You can even call us on 1800 1200 1200 or email us at [email protected] to understand the product better before you open the account.

Q4. Is GST required for a Regular Current Account?

GST is not a mandatory document for opening a Regular Current Account. However, you need to provide KYC documents of entity and authorized signatories to open the Basic Current Account.

Q5. Does the Regular Current Account earn interest?

No, Regular Current Accounts are zero-interest accounts and do not earn any interest.