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
1️⃣ 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
2️⃣ 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
3️⃣ 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
4️⃣ 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
5️⃣ 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
