INSTAbanking-FAQ

INSTAbanking is a digital channel that helps you to start banking with CSB in under 5 minutes. You can open your account from just about anywhere - your home, your office or even from your local cafe. Keep your Aadhaar number and PAN details handy and fill in the online form - your account will be ready for use.

Just visit our website and under Online Services select Register/Open -INSTAbanking. Click on "Open Now". Keep your Aadhaar (mobile number linked) and PAN details ready. Confirm your Aadhaar OTP and voila! Your InstaDigital Account is ready to be used.

Any resident of India above the age of 18 with a valid Aadhaar and PAN number is eligible to apply for an InstaDigital Account. Please note that if the Aadhar details do not inclulde the mobile number, the account cannot be opened.

The account is available only for those who do not have an existing account with Catholic Syrian Bank. 

You can only open domestic Savings Accounts and not NRE/NRO Accounts. Only individual account can be opened (No joint account).

Once your account is opened, you will get a virtual RuPay Platinum debit card that can be used for online payments and shopping. You will also be able to access CSB Netbanking and CSB Mobile Banking application which can be used for utility bill payments, mobile recharge, etc.  

So in a nutshell, you can:

  • Use the virtual debit card for online shopping. Choose from a variety of shopping offers and discounts.
  • Make NEFT fund transfers online free of cost.
  • You can use CSB Netbanking to make payments - your utility bills, insurance premium, credit cards and more.
  • You can also buy train, plane or bus tickets online.
  • You cannot make branch transactions untill you provide additional KYC documents and upgrade your account. 
  • It is a Zero balance Account.
  • No service charges are applicable.
  • All online transactions are free.
  • You get a virtual RuPay Platinum debit card for shopping and making payments online.
  • You can keep up to Rs. 1 lakh balance in this account –for keeping higher balances, you need to upgrade your InstaDigital Account to full KYC status, by visiting your preferred CSB branch.
  • The account is valid for one year within which get it upgraded to InstaOrange Account.

Walk into your preferred CSB branch to upgrade your InstaDigital Account to an InstaOrange Account to get the following:

  • RuPay Platinum Debit Card in lieu of your virtual RuPay card.
  • The RuPay Plainum Debit Card provides complimentary domestic airport lounge access.
  • Access to any bank's ATM (domestic- upto 5 transactions a month are free).
  • Over 2,000 exclusive shopping offers on your CSB RuPay Platinum Debit Card.
  • Access to Branch transactions.
  • All online fund transfer transactions continue to be free.

You can deposit money into your account via fund transfer from any other bank account (CSB or non-CSB) through NEFT/ IMPS or through our payment gateway using debit cards.

You can keep up to Rs. 1 lakh balance in this account -balances beyond Rs. 1 lakh will need additional KYC requirements as per RBI rules and up to Rs. 2 lakh remittances in a year.

InstaDigital Account gives you complimentary virtual RuPay Platinum Debit Card. You can use it to shop online, pay utility bills, do mobile recharges, etc.

You can get a physical debit card once you convert the account into a full KYC Account- InstaOrange Account by visiting your preferred CSB branch.

You can visit your preferred CSB branch and provide other valid KYC documents along with your passport size photograph and convert the account into InstaOrange Savings Account.

InstaDigital Account is intended for single users. Joint Account cannot be opened through this channel.

The personal information and your online transaction details are important to the bank. CSB maintains strict security standards to prevent unauthorized access to your information.