Jio Payments Bank Savings Pro Account Opening Step-by-Step Guide (2025)
Rakhal das
π¦ Jio Payments Bank’s Savings Pro Account Opening Step-by-Step Guide (2025)
Are you looking to open a Jio Payments Bank Savings Pro Account but don’t know where to start? Don’t worry — this complete guide will walk you through each step of the account opening process, eligibility, benefits, required documents, charges, and more.
With the rise of digital banking in India, Jio Payments Bank has become one of the fastest-growing platforms for easy, secure, and paperless banking. The Savings Pro Account is designed to give users higher transaction limits, exclusive features, and a 100% digital onboarding experience — right from your smartphone.
In this article, we’ll cover:
- β What is Jio Payments Bank Savings Pro Account?
- π Eligibility criteria & required documents
- π² Step-by-step account opening process
- π Key features & benefits
- π° Fees, charges & interest rates
- π§Ύ Frequently asked questions
π 1. What is Jio Payments Bank Savings Pro Account?
Jio Payments Bank, a subsidiary of Reliance Industries and licensed by the Reserve Bank of India (RBI), offers digital-first banking services.
The Savings Pro Account is an upgraded version of a regular Jio Payments Bank savings account. It comes with higher transaction limits, additional services, and better banking features — perfect for customers who use their account frequently for payments, savings, and online transactions.
β¨ Key Highlights:
- 100% digital account opening
- Higher daily transaction limit (up to βΉ2,00,000)
- Access to UPI, NEFT, IMPS & JioMoney wallet
- Zero minimum balance requirement
- Attractive interest rate on savings
- Quick KYC through Aadhaar & PAN
π€ 2. Eligibility Criteria
Before opening a Savings Pro Account with Jio Payments Bank, make sure you meet the basic eligibility criteria:
| Particulars | Details |
|---|---|
| Age | Minimum 18 years |
| Residency | Must be an Indian resident |
| ID Proof | Aadhaar & PAN card required |
| Mobile Number | Must be linked with Aadhaar |
| Device | Smartphone with JioPay / MyJio App |
π§Ύ 3. Documents Required
Here’s a quick list of documents you’ll need to keep ready before applying:
- β Aadhaar Card – For eKYC & address proof
- β PAN Card – For identity & tax compliance
- π± Mobile Number linked with Aadhaar – For OTP authentication
- π§ Selfie or Photo – For profile verification
Optional (if asked):
- π Proof of income (for certain transaction limits)
- π Alternate address proof (if current address differs)
πͺ 4. Step-by-Step Jio Payments Bank Savings Pro Account Opening Process
Let’s break it down into simple steps so you can open your account in less than 10 minutes.
π§ Step 1: Download the MyJio App
- Go to Google Play Store or Apple App Store
- Search for “MyJio” and install the official app
- Open the app and sign in using your Jio number or any valid mobile number
π Tip: Ensure your mobile number is linked to Aadhaar for smooth OTP-based KYC.
π Step 2: Navigate to ‘Jio Payments Bank’ Section
- On the home screen, tap on “Jio Payments Bank” icon
- You’ll be redirected to the banking dashboard
- Select “Open Savings Account” → then choose “Savings Pro Account”
π Step 3: Fill in Personal Details
Enter your:
- Full Name (as per Aadhaar)
- Date of Birth
- Aadhaar Number
- PAN Number
- Email ID (optional but recommended)
β Double-check all information carefully before proceeding.
π± Step 4: Complete e-KYC Verification
- An OTP will be sent to your Aadhaar-linked mobile number
- Enter the OTP for instant Aadhaar eKYC
- The app will auto-fetch your name, address & DOB from UIDAI
π No physical documents are required — it’s 100% paperless.
π€³ Step 5: Upload Selfie / Live Photo
- Take a clear selfie through the app for face verification
- Make sure you’re in a well-lit environment
- This step is mandatory as part of RBI KYC guidelines
π§ Step 6: Review & Confirm Details
- Check all personal and KYC details carefully
- Accept the Terms & Conditions
- Click on “Submit & Open Account”
π Step 7: Account Activation & Welcome Kit
- Once submitted, your account will be activated within minutes
- You’ll receive a welcome message & account number on your mobile
- You can now set your MPIN and start using your account immediately
π Congratulations! Your Jio Payments Bank Savings Pro Account is now active.
π 5. Benefits of Jio Payments Bank Savings Pro Account
Here are the top reasons why this account is becoming increasingly popular:
| Feature | Benefit |
|---|---|
| πΈ Zero Balance Account | No minimum balance required |
| β‘ Instant eKYC | No paperwork, 100% online |
| π² Full Digital Banking | UPI, IMPS, NEFT, bill payments |
| π¦ Interest on Savings | Competitive interest rates |
| π Safe & Secure | RBI-regulated, multi-layer encryption |
| π Pan-India Access | Use anywhere, anytime through MyJio app |
π° 6. Fees, Charges & Interest Rates (2025)
| Particulars | Savings Pro Account |
|---|---|
| Account Opening | βΉ0 (Free) |
| Minimum Balance | βΉ0 |
| ATM / Debit Card | Optional |
| UPI Transactions | Free |
| NEFT / IMPS / Bill Pay | Free |
| Daily Transaction Limit | βΉ2,00,000 |
| Interest Rate (per annum) | ~3.5% to 4% (subject to RBI change) |
π Charges may vary slightly, so always check the latest official Jio Payments Bank schedule on their website or MyJio app.
π 7. Things to Keep in Mind
Before you start using your account actively, remember:
- β οΈ Complete Full KYC within the allowed time to avoid restrictions
- π§Ύ Regularly update your PAN & Aadhaar to avoid account freeze
- π Set a strong MPIN and never share it with anyone
- π If you exceed basic limits, you may be asked to provide additional details (income proof, etc.)
β 8. Frequently Asked Questions (FAQs)
Q1: Is Jio Payments Bank Savings Pro Account safe?
β Yes. It is regulated by the Reserve Bank of India (RBI) and follows strict security and KYC protocols.
Q2: Can I open this account without a Jio SIM?
Yes. You can use any valid Aadhaar-linked mobile number to open the account.
Q3: Is there any minimum balance requirement?
No, Jio Payments Bank Savings Pro Account is zero balance. You can maintain any amount without penalties.
Q4: Can I get a physical debit card?
Yes. You can request a Jio Payments Bank RuPay Debit Card (virtual or physical) from within the app for ATM withdrawals & online shopping.
Q5: How long does it take to activate the account?
The process is instant if eKYC is successful. In rare cases, it may take up to 24–48 hours for manual verificationΰ₯€
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