ICICI Bank review
Updated October 17, 2026 · VaultCue Editorial Team
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Our verdict
ICICI Bank is an Indian bank known for combining everyday savings with loans, cards, insurance and investments. It suits people who want one banking relationship for personal, business, corporate or non resident needs rather than a standalone account.
Key facts
Savings
Pros and cons
Pros
- Covers personal, business, corporate and non resident banking together
- Wide savings choice includes family, professional and non resident options
- Combines accounts with loans, cards, insurance and investments
Cons
- India centred focus limits relevance for banking in other markets
- Broad personal, business and corporate range can feel complex
- Account choice spans many specialist types to work through
Who it suits
- People managing personal savings alongside wider financial needs
- Non residents and returning expatriates with Indian banking needs
- Businesses and corporates seeking accounts and related services
Who should look elsewhere
- People wanting everyday banking outside India
- People wanting an account without wider banking products
How your money is protected
ICICI Bank gives customers ways to manage account safety through service requests and updates. These include Know Your Customer updates, profile updates, additional document uploads and tax compliance information. Customers can report suspicious behaviour and report unauthorised transactions, while account controls support oversight of activity and instructions linked to everyday banking.
Banking for residents and non residents
Residents in India and non residents with ties to the country can each find a banking route within the wider range. Non resident accounts cover money held by people who keep links with India while living abroad, and foreign currency deposits let savings be kept in other currencies. Returning expatriates can use dedicated accounts designed to ease the move back into the local banking system. Businesses and corporate clients have their own set of account and lending options as well.
Currency and cross border transfers
Foreign currency deposits and money transfer services help people move funds across borders. The range covers several currencies, so savings can be held in more than one denomination. Transfers can be arranged through online channels, although document checks are part of the process to meet the rules that govern overseas payments. People sending money abroad should confirm the documents needed before starting each transfer, since missing paperwork can slow things down.
How ICICI Bank compares
9.2 vs 8.7
9.2 vs 8.6
9.2 vs 8.0
9.2 vs 8.9
9.2 vs 9.1
9.2 vs 9.2
9.2 vs 8.7
9.2 vs 8.7
9.2 vs 8.7
9.2 vs 9.0
9.2 vs 8.7
9.2 vs 9.5
9.2 vs 9.4
9.2 vs 9.3
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.1
9.2 vs 9.0
9.2 vs 9.0
9.2 vs 8.9
9.2 vs 8.9- 9.2 vs 8.9
9.2 vs 8.7
9.2 vs 8.5
9.2 vs 8.5
9.2 vs 8.5
9.2 vs 8.4
9.2 vs 8.3
9.2 vs 8.2
9.2 vs 8.1- 9.2 vs 8.1
9.2 vs 8.0
9.2 vs 8.0
9.2 vs 8.0
9.2 vs 8.0
9.2 vs 9.1
Where ICICI Bank is available
- Available
- India
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
Who can open an account with ICICI Bank?+
ICICI Bank covers personal, business, corporate and non resident banking. Savings accounts include options for families organised as HUFs, doctors, and returning expatriates, alongside non resident account types.
Which countries and customers does ICICI Bank serve?+
ICICI Bank serves personal customers, businesses, corporates and non residents with links to India. Its services include accounts for resident customers, returning expatriates and non residents managing banking connected to India.
What products does ICICI Bank cover?+
ICICI Bank covers savings accounts, fixed deposits, recurring deposits and goal based savings. It also offers loans, credit cards, insurance and investment products including stocks, mutual fund routes and retirement related schemes.
Which company operates ICICI Bank?+
ICICI Bank is operated by ICICI Bank Limited. (Source, checked September 26, 2026)
Where is ICICI Bank based?+
ICICI Bank is based in India. (Source, checked September 26, 2026)
When was ICICI Bank founded?+
ICICI Bank was founded in 1994. (Source, checked September 26, 2026)
How can I contact ICICI Bank support?+
ICICI Bank offers support through Phone, Help-centre, Chat. (Source, checked September 26, 2026)
Sources
- icici.bank.in/about-us checked September 26, 2026
Backs: Founded, Headquarters
“ICICI Bank was incorporated in 1994 as a part of the ICICI group”
- icici.bank.in/disclaimer checked September 26, 2026
Backs: Legal entity
“ICICI Bank Limited maintains this site (the "Site") for your personal information, education and communication”
- icici.bank.in/personal-banking/accounts/savings-account checked September 26, 2026
Backs: Account kind, Minimum deposit, Support channels
“Open a Savings Account with ICICI Bank and manage your funds securely. Customers can open Savings Account online through a digital process and access convenient banking services, Debit Card...”
- icici.bank.in/personal-banking/accounts/savings-account/i... checked September 26, 2026
Backs: Access terms, Headline rate, Rate type
“An ICICI Bank Savings Account offers multiple benefits such as easy access to funds, cash withdrawals, utility bill payments and online fund transfers through UPI, IMPS, NEFT and RTGS”
- icicibank.com/nri-banking/money-transfer/money2india checked September 26, 2026
Backs: Currencies
“Send money from the USA, UAE, Singapore, Europe, Canada and UK with ease.”
- money2india.com/us/faq checked September 26, 2026
Backs: Delivery time, Payout methods, Transfer fee, Fee to send 1,000
“Express Transfer : Transaction is usually completed within 4 hours using ACH authorization.”
Compiled from 6 source pages, checked October 17, 2026. We did not open an account.
Not confirmed yet: Monthly fee, Licence type, Deposit protection, Currency conversion fee.