Sample Letter for Opening Bank Account

Do you have a bank account? If no, then you should be thinking of opening one. A current or savings bank account of your own accounts for legal monetary transactions. If you are not sure that what are needed to open a current or savings bank account, then please go through this article. Those of you, who are new to opening a bank account will find the sample format of a letter for opening bank account , provided here, very useful.


Opening a bank account was a luxury in earlier days. Nowadays, opening a bank account has become a necessity. Especially, when suddenly the blow of demonetization has come up, then a huge rush has begun to open a savings or current bank account. This has created a chaos among various people like vendors or small scale businessmen or businesswomen who deal every day with cash and don't have bank accounts to account for their daily transactions. There is the younger generation also who want to get their hands on money, but do not know the benefits of a savings or current account. Hence, they don't possess one. First, let me jot down a few points about the benefits of having savings or a current bank account.

Why to open a savings or current bank account?

  • It is not a healthy practice to keep the maximum share of your income at home. This is not a good practice and at times a criminal practice by businessmen. When you open a current bank account and do all your transactions through that account, then each of your monetary transactions becomes legal. You are free from the tension of looking after your money at home. You have the respective branch of your bank to do it for you.
  • Generally freelancers or people who own business ventures prefer current bank accounts and office going people or housewives prefer savings bank account. You get an annual interest for keeping your money in the savings bank account. This is not possible if you keep all your cash at home.
  • You can withdraw any amount of money from your account within the office hours of the bank. In fact, with the option of ATMs, you can take the money from the bank at your own convenient time. The only thing is that the minimum balance should be maintained at all times to keep your bank account active. If you want to withdraw all your money from the account, then you will have to close your account. Please refer to my article Sample Letter to Close Bank Account to know the format of application to close a current/savings bank account.
  • If you enable the net banking option for your account, then you can transfer money to some other person's account or receive money from some other person into your account.

Sample Letter for Opening Bank Account

To open a bank account you need to first fill up the respective application form from the Indian bank that you choose to be associated with. Along with the application form, you will have to attach an application letter to cite that you wish to open a bank account in this branch. Also mention the other utilities that you wish to avail along with your bank account, like ATM card/debit card etc. Go through the general format of the application letter below.

The Manager,
Name of the Bank,
Name of the branch of the bank,
Postal address of the branch of that bank with the pin code Date:Give the current date

Subject : An application for opening of a bank(mention the type of your bank account here) account


I wish to open a bank(mention the type of your bank account here) account with your bank in the (mention the branch name here) branch. I am a freelancer(mention your current job and designation, if any, here) by profession. I have collected and completed the application form for opening the account and duly signed it at the respective positions stated for specimen signatures. Please find enclosed the completed application form as required by the bank. Along with this also find the photocopy of my photo identity proof(state the photo identity proof copy that you are enclosing, for example, PAN card/ Aadhar card, etc.), the photocopy of my address proof (state the photo identity proof copy that you are enclosing, for example, voter card/ Aadhar card etc. In case your photo identity proof is same as that of your address proof(for example, your Aadhar card) then mention it only once.) and two passport size colored photographs of me attached with this application letter. A cheque of Rs.1000(or whatever amount you wish to open your bank account with) issued from this(mention the bank name) bank is also enclosed along with this application as the starting amount of my account.

Please do the needful to open the bank(mention the type of your bank account here) account. Please issue a cheque book and an ATM/debit card with respect to my bank account. The application letter citing the issue of the ATM/debit card is also provided along with this application.

Thanking You,
Yours Sincerely,

Your Signature
Your Name(in capital letters)
Your Address
Your Phone Number
Your Email Id


Take the help of this sample letter and immediately write the application letter for opening bank account . It takes maximum half an hour to make everything ready that you require to open a bank account. It gives you years and years of benefit. This article is addressed mainly to people who are still hesitating to open a bank account or do not know what they require to open one. I hope it was helpful for them.

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Author: K Mohan12 May 2018 Member Level: Platinum   Points : 2

Now a days the banks are sending messages to the prospective customers to open an account with them. Especially the Kotak Mahindra and ICICI banks have made the easy norms to open an account from home and thus one need not make any request as such. But for a government sector bank, they need an introduction from a person of the same bank to identify you. This rider is not present in the online opening of accounts.

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