Are you a student looking for a zero balance bank account with cool benefits like a free debit card, net banking, and no hidden charges?
Here are the top 5 student-friendly bank accounts in India you can open in 2025 – both online and offline.
Top 5 Student Bank Accounts in India – 2025
SBI Student Account – Pehla Kadam / Pehli Udaan
Zero balance required
Free ATM/debit card
Net banking & mobile banking access
Available at all SBI branches- Age: 10+ years
Best for: School & college students
Kotak 811 Digital Account (for 18+)
- Fully online KYC
Zero balance account
Free virtual debit card
UPI, bill pay, fund transfer
Good interest rates (up to 3.5%)
Best for: College students, working interns
Axis Bank Youth Account
Specially designed for youth (under 25)- Free RuPay debit card
Mobile app for easy tracking
Monthly e-statements
Minimum balance: ₹0 to ₹5,000 (depends on location)
Best for: First-time account holders
IDFC FIRST Bank – Pratham Account
- Zero minimum balance
Up to 7% interest on savings- Free VISA debit card
Unlimited free transfers
Quick digital account setup
Best for: Students with savings habit
HDFC Kids Advantage Account
For students below 18 (joint with parent)
Personal accident cover
Free ATM card (with parental control)- Ideal for school-going kids
Minimum balance: ₹5,000 (joint account)
Best for: Parents managing kids’ finances
Comparison Table – Student Bank Accounts (2025)
| Bank | Zero Balance | Debit Card | Age Limit | Online Account Opening |
|---|---|---|---|---|
| SBI | Yes | Free | 10+ yrs |  No (offline) |
| Kotak 811 | Yes | Virtual | 18+ yrs | 100% online |
| Axis Youth |  Partial | Yes | Under 25 | Yes |
| IDFC Pratham | Yes | Yes | 18+ yrs | 100% online |
| HDFC Kids | No | Yes | Below 18 | No |
Internal Links
- How to Open Zero Balance Account Online – Step by Step Guide
- Top Debit Cards for Students in 2025
- Best UPI Apps for Daily Use
Conclusion
As a student, your first bank account can shape your money habits.
Choose one that offers zero fees, easy access, and safety – and you’re all set for your financial journey!
Explore more student finance tips on: ComputerAcademy.in
