ING | Service Charges

BANKING

Accounts & Deposits

Preferred Banking

Loans

Private Banking

Wealth Management

NRI Services

Cards

Easy Banking

Interest Rates

Service Charges

	Savings Bank Accounts
	Orange, Salary, Solo & Freedom Accounts
	Saral, General Savings Bank Account & its variants
	ING Platina & ING Formula Savings Accounts

	Current Accounts

	Demat Account

	DD PO TT Charges

	Term Deposit Accounts

	Safe Deposit Lockers - Rental

	Safe Custody of Articles

	Retail Assets

	Agri & Social Banking

	Customer Service

Savings Bank Accounts -Orange Savings, Advantage Salary, Orange Salary,Aspira, Solo and Freedom

	Details	Product
	Details	Orange Savings Account	Advantage Salary Account	Orange Salary Account	Aspira	Solo (stand - alone option)	Freedom Account
Minimum Balance Requirement
	*Quarterly Average Balance (QAB) Requirement	Rs.10,000/Rs.5,000 Rs.10,000/- QAB requirement for Delhi NCR, Mumbai, Bangalore, Chennai, Hyderabad & Kolkata	Zero	Zero	Zero	Minimum Balance Rs.500/-	Zero
Service Charges for Non-Maintenance of Quarterly Average Balance (QAB)
	Quarterly service charges for Non maintenance of QAB	Rs.600/-	Zero	NA	NA	Rs.150/-	Rs.1000/- per annum
General Charges
1	Statement of Accounts	QAB maintained- free quarterly QAB not maintained -free yearly Free Monthly**	Free-Quarterly Free Monthly**	free quarterly Free Monthly**	free quarterly Free Monthly**	Free-Annual Free Monthly**	Free Quarterly Free Monthly**
2	Additional statement of accounts	Daily - Rs.750/- p.a Weekly Rs.400/- pa Fortnightly - Rs.200/- p.a (Plus postage charge Rs.5/- by mail Rs.10/- by courier,per statement ,if not collected in person)	Daily - Rs.750/- p.a Weekly Rs.400/- pa Fortnightly - Rs.200/- p.a (Plus postage charge Rs.5/- by mail Rs.10/- by courier,per statement ,if not collected in person)	Daily - Rs.750/- p.a Weekly Rs.400/- pa Fortnightly - Rs.200/- p.a (Plus postage charge Rs.5/- by mail Rs.10/- by courier,per statement ,if not collected in person)	Daily - Rs.750/- p.a Weekly Rs.400/- pa Fortnightly - Rs.200/- p.a (Plus postage charge Rs.5/- by mail Rs.10/- by courier,per statement ,if not collected in person)	Daily - Rs.750/- p.a Weekly Rs.400/- pa Fortnightly - Rs.200/- p.a (Plus postage charge Rs.5/- by mail Rs.10/- by courier,per statement ,if not collected in person)	Daily - Rs.750/- p.a Weekly Rs.400/- pa Fortnightly - Rs.200/- p.a (Plus postage charge Rs.5/- by mail Rs.10/- by courier,per statement ,if not collected in person)
3	Issue of Duplicate /Adhoc statements	Rs.50/- per request	Rs.50/- per request	Rs.50/- per request	Rs.50/- per request	Rs.50/- per request	Rs.50/- per request
4	Cheque book issues	Free PAP Cheques - Free	Free PAP Cheques : Rs.2.00 per cheque leaf.	PAP Cheques - Free	PAP Cheques - Free	Free PAP Cheques : Rs.2.00 per cheque leaf.	Free PAP Cheques : Rs.2.00 per cheque leaf.
5	ATM usage
	INGVYSYA Bank ATMs	Free	Free	Free	Free	Free	Free
	*Other Bank ATM' s	Free.	Free: 5 Cash withdrawals per month Above 5 Cash Withdrawals, Rs.20 per cash withdrawal is charged Cash Withdrawal Limit:Rs.10000 per transaction	Free: 5 Cash withdrawals per month Above 5 Cash Withdrawals, Rs.20 per cash withdrawal is charged Cash Withdrawal Limit:Rs.10000 per transaction	Free: 5 Cash withdrawals per month Above 5 Cash Withdrawals, Rs.20 per cash withdrawal is charged Cash Withdrawal Limit:Rs.10000 per transaction	Free: 5 Cash withdrawals per month Above 5 Cash Withdrawals, Rs.20 per cash withdrawal is charged Cash Withdrawal Limit:Rs.10000 per transaction	Free: 5 Cash withdrawals per month Above 5 Cash Withdrawals, Rs.20 per cash withdrawal is charged Cash Withdrawal Limit:Rs.10000 per transaction
	International Cirrus ATMs	USD 2.50 per withdrawal & enquiry	USD 2.50 per withdrawal & enquiry	USD 2.50 per withdrawal & enquiry	USD 2.50 per withdrawal & enquiry	USD 2.50 per withdrawal & enquiry	USD 2.50 per withdrawal & enquiry
	International Debit Card Annual maintenance, renewal and Reissue charges	First Year : Free Renewal Fee : Rs 150 /- per annum* Reissue: Rs. 150/- per request	First Year : Free Renewal Fee : No Charge Reissue: Rs. 150/- per request	Issue : Free Renewal Fee :No charge Reissue: Rs. 150/- per request	Issue : Free Renewal Fee :No charge Reissue: Rs. 150/- per request	First Year : Free Renewal Fee : No charge Reissue: Rs. 150/- per request	First Year : Free Renewal Fee : Rs 150 /- per annum inclusive of all taxes Reissue: Rs. 150/- per request
6	Standing Instructions
	1. Transfer from one account to another account within profile network(Intercity)	Set Up - Free Execution - Free	Set Up - Free Execution - Free	Set Up - Free Execution - Free	Set Up - Free Execution - Free	Set Up - Free Execution - Free	Set Up - Free Execution - Free
	2. External payments	Set up - Rs.100/- Amendment-Rs.25/- Execution-Rs.25/- per execution + Remittance charges(Applicable beyond free limit) +Postage	Set up - Rs.100/- Amendment-Rs.25/- Execution-Rs.25/- per execution + Remittance charges (Applicable beyond free limit) +Postage	Set up - Rs.100/-Amendment-Rs.25/- Execution-Rs.25/- per execution + Remittance charges (Applicable beyond free limit) +Postage	Set up - Rs.100/-Amendment-Rs.25/- Execution-Rs.25/- per execution + Remittance charges (Applicable beyond free limit) +Postage	Set up - Rs.100/- Amendment-Rs.25/- Execution-Rs.25/- per execution + Remittance charges +Postage	Set up - Rs.50/- Amendment-Rs.25/- Execution-Rs.25/- per execution + Remittance charges +Postage
	3. Standing Instructions-NRI Customers NRO/NRE SB accounts Set up and execution of each instruction ( for external payments ) on behalf of all NRI customers-No charges	NRI Account Free	Not Applicable	Not Applicable	Not Applicable	Not Applicable	Not Applicable
7	Closure of Accounts (Within 1 year of opening) (Charges to be collected at the time of closure of account)	Rs.100/-	Rs.100/-	Rs.100/-	Rs.100/-	Rs.100/-	Not Applicable
8	Branch Transaction Charges	Free	Free	Free	Free	Financial transaction at the branch will be charged at Rs.50/- per transaction	Free
9	Stop payment of cheque	Rs.50per cheque & Rs.100 per Series	Rs.50per cheque & Rs.100 per Series	Rs.50per cheque & Rs.100 per Series	Rs.50per cheque & Rs.100 per Series	Rs.50per cheque & Rs.100 per Series	Rs.50per cheque & Rs.100 per Series
Remittances
1	A.Demand Draft / Pay Order	Two free D.D's up to a value of Rs. 50,000/- per calender year where QAB is maintained. Where QAB is not maintained, all D.D's are charged	Monthly 2 DD/PO upto Rs. 10,000/- free	NA	2 Free DD’s upto a value of Rs.25,000 per month. Charges Beyond Free Limits : Upto Rs.50,000-Rs.2.50 per Rs.1,000(Min-Rs.50) Rs.50,001 to Rs.2 Lakhs-Rs.2 per Rs.1,000(Min-Rs.125)Beyond Rs.2 Lakhs-Re.1 per Rs.1,000(Min-Rs.400) (Max-Rs.6,000)	NA	NA
	B. DD / PO Issuance charges	Up to Rs.50,000/- Rs.2.50 per Rs.1000/- min Rs.50; Rs.50,001/- to Rs. 2 lakhs Rs.2.00 per Rs.1000/- min Rs.125; Beyond Rs.2 lakhs Rs.1.00 per Rs.1000/- min Rs.400/- (Max Rs.6000/-)	Up to Rs.50,000/- Rs.2.50 per Rs.1000/- min Rs.50; Rs.50,001/- to Rs. 2 lakhs Rs.2.00 per Rs.1000/- min Rs.125; Beyond Rs.2 lakhs Rs.1.00 per Rs.1000/- min Rs.400/- (Max Rs.6000/-)	Up to Rs.50,000/- Rs.2.50 per Rs.1000/- min Rs.50; Rs.50,001/- to Rs. 2 lakhs Rs.2.00 per Rs.1000/- min Rs.125; Beyond Rs.2 lakhs Rs.1.00 per Rs.1000/- min Rs.400/- (Max Rs.6000/-)	Up to Rs.50,000/- Rs.2.50 per Rs.1000/- min Rs.50; Rs.50,001/- to Rs. 2 lakhs Rs.2.00 per Rs.1000/- min Rs.125; Beyond Rs.2 lakhs Rs.1.00 per Rs.1000/- min Rs.400/- (Max Rs.6000/-)	Up to Rs.50,000/- Rs.2.50 per Rs.1000/- min Rs.50; Rs.50,001/- to Rs. 2 lakhs Rs.2.00 per Rs.1000/- min Rs.125; Beyond Rs.2 lakhs Rs.1.00 per Rs.1000/- min Rs.400/- (Max Rs.6000/-)	Up to Rs.50,000/- Rs.2.50 per Rs.1000/- min Rs.50; Rs.50,001/- to Rs. 2 lakhs Rs.2.00 per Rs.1000/- min Rs.125; Beyond Rs.2 lakhs Rs.1.00 per Rs.1000/- min Rs.400/- (Max Rs.6000/-)
2	Charges for PAP cheque payments - Intercity Clearing	Free & unlimited	Free & unlimited	Free & unlimited	Free & unlimited	NA	NA
3	AAA Cash Deposits	2 Free transactions per month free upto value limit of Rs.50,000/-. Free limit not available for third party AAA cash deposit	Free transactions per month free upto value limit of Rs.25,000/-. Free limit not available for third party AAA cash deposit	2 Free transactions per month free upto value limit of Rs.50,000/-. Free limit not available for third party AAA cash deposit.	2 Free transactions per month free upto value limit of Rs.50,000/-. Free limit not available for third party AAA cash deposit.	Not Applicable	2 Transactions with value not exceeding Rs.25,000/- per month
	(b) Charges beyond free limits	(Upto & inclusive Rs.25,000 : Rs.2 per Rs.1000-Above Rs.25,000/- to Rs.50,000: Rs. 3/- per Rs.1000/- Rs.50,000 & above : Rs.5/- per Rs.1000 (Minimum charge : Rs.50/- per deposit)	(Upto & inclusive Rs.25,000 : Rs.2 per Rs.1000-Above Rs.25,000/- to Rs.50,000: Rs. 3/- per Rs.1000/- Rs.50,000 & above : Rs.5/- per Rs.1000 (Minimum charge : Rs.50/- per deposit)	(Upto & inclusive Rs.25,000 : Rs.2 per Rs.1000-Above Rs.25,000/- to Rs.50,000: Rs. 3/- per Rs.1000/- Rs.50,000 & above : Rs.5/- per Rs.1000 (Minimum charge : Rs.50/- per deposit)	(Upto & inclusive Rs.25,000 : Rs.2 per Rs.1000-Above Rs.25,000/- to Rs.50,000: Rs. 3/- per Rs.1000/- Rs.50,000 & above : Rs.5/- per Rs.1000 (Minimum charge : Rs.50/- per deposit)	(Upto & inclusive Rs.25,000 : Rs.2 per Rs.1000-Above Rs.25,000/- to Rs.50,000: Rs. 3/- per Rs.1000/- Rs.50,000 & above : Rs.5/- per Rs.1000 (Minimum charge : Rs.50/- per deposit)	(Upto & inclusive Rs.25,000 : Rs.2 per Rs.1000-Above Rs.25,000/- to Rs.50,000: Rs. 3/- per Rs.1000/- Rs.50,000 & above : Rs.5/- per Rs.1000 (Minimum charge : Rs.50/- per deposit)
	(c) All Third Party Deposits with prescribed letter from account holder	Charged at Rs.5/- per Rs.1000/- with a minimum of Rs.50/- per transaction	Charged at Rs.5/- per Rs.1000/- with a minimum of Rs.50/- per transaction	Charged at Rs.5/- per Rs.1000/- with a minimum of Rs.50/- per transaction	Charged at Rs.5/- per Rs.1000/- with a minimum of Rs.50/- per transaction	Charged at Rs.5/- per Rs.1000/- with a minimum of Rs.50/- per transaction	Charged at Rs.5/- per Rs.1000/- with a minimum of Rs.50/- per transaction
4	Charges for RTGS (Inward : free for all products)	Up to Rs.5 lakhs, Rs.25/- per transaction & Rs.5 lakhs and above Rs.50/- per transaction	Up to Rs.5 lakhs, Rs.25/- per transaction & Rs.5 lakhs and above Rs.50/- per transaction	Up to Rs.5 lakhs, Rs.25/- per transaction & Rs.5 lakhs and above Rs.50/- per transaction	Up to Rs.5 lakhs, Rs.25/- per transaction & Rs.5 lakhs and above Rs.50/- per transaction	Up to Rs.5 lakhs, Rs.25/- per transaction & Rs.5 lakhs and above Rs.50/- per transaction	Up to Rs.5 lakhs, Rs.25/- per transaction & Rs.5 lakhs and above Rs.50/- per transaction
5	Charges for NEFT (Inward & Outward, Inward: free for all products)	Up to Rs.1 lakh, Rs.5/- per transaction & Rs.1 lakh & above, Rs.25/- per transaction (Free if transacted through mi-b@nk, Internet Banking)	Up to Rs.1 lakh, Rs.5/- per transaction & Rs.1 lakh & above, Rs.25/- per transaction (Free if transacted through mi-b@nk, Internet Banking)	Up to Rs.1 lakh, Rs.5/- per transaction & Rs.1 lakh & above, Rs.25/- per transaction (Free if transacted through mi-b@nk, Internet Banking)	Up to Rs.1 lakh, Rs.5/- per transaction & Rs.1 lakh & above, Rs.25/- per transaction (Free if transacted through mi-b@nk, Internet Banking)	Up to Rs.1 lakh, Rs.5/- per transaction & Rs.1 lakh & above, Rs.25/- per transaction (Free if transacted through mi-b@nk, Internet Banking)	Up to Rs.1 lakh, Rs.5/- per transaction & Rs.1 lakh & above, Rs.25/- per transaction (Free if transacted through mi-b@nk, Internet Banking)
6	Transfer of funds within ING Vysya Bank branches	Free	Free	Free	Free	Free	Free
Cheque Collection
	1.OUTWARD
	(a) Local clearing and outstation cheques drawn on ING Vysya Bank locations	Free	Free	Free	Free	Free	Free
	(b) Collection of outstation cheques - Non ING Vysya Bank locations	Rs.10,000-Rs.50/- + other bank charges + postage/courier. Above Rs.10,000-Rs.4/1000 (Min. Rs.50/- Max. Rs.5000) + other bank charges + postage/courier	Rs.10,000-Rs.50/- + other bank charges + postage/courier. Above Rs.10,000-Rs.4/1000 (Min. Rs.50/- Max. Rs.5000) + other bank charges + postage/courier	Rs.10,000-Rs.50/- + other bank charges + postage/courier. Above Rs.10,000-Rs.4/1000 (Min. Rs.50/- Max. Rs.5000) + other bank charges + postage/courier	Rs.10,000-Rs.50/- + other bank charges + postage/courier. Above Rs.10,000-Rs.4/1000 (Min. Rs.50/- Max. Rs.5000) + other bank charges + postage/courier	Rs.10,000-Rs.50/- + other bank charges + postage/courier. Above Rs.10,000-Rs.4/1000 (Min. Rs.50/- Max. Rs.5000) + other bank charges + postage/courier	Rs.10,000-Rs.50/- + other bank charges + postage/courier. Above Rs.10,000-Rs.4/1000 (Min. Rs.50/- Max. Rs.5000) + other bank charges + postage/courier
	(c) NRI Accounts	Other Bank charges only	NA	NA	NA	NA	NA
	2.INWARD
	(a) Cheques received from other banks for payment (LBCs)-Local	Free	Free	Free	Free	Free	Free
	(b) Cheques received from other banks for payment (LBCs)-Outstation	Free	Free	Free	Free	Free	Free
		Above Rs.10,000-Rs.4 per 1000 (Min Rs.50/- Max Rs.5,000)+postage/courier."	Above Rs.10,000-Rs.4 per 1000 (Min Rs.50/- Max Rs.5,000)+postage/courier."	Above Rs.10,000-Rs.4 per 1000 (Min Rs.50/- Max Rs.5,000)+postage/courier."	Above Rs.10,000-Rs.4 per 1000 (Min Rs.50/- Max Rs.5,000)+postage/courier."	Above Rs.10,000-Rs.4 per 1000 (Min Rs.50/- Max Rs.5,000)+postage/courier."	Above Rs.10,000-Rs.4 per 1000 (Min Rs.50/- Max Rs.5,000)+postage/courier."
Cheque return charges per instrument
1	Cheques deposited by customers and returned unpaid - outstation(Returned to us)	Rs.50/- + other bank charges + postage	Rs.50/- + other bank charges + postage	Rs.50/- + other bank charges	Rs.50/- + other bank charges + postage	Rs.50/- + other bank charges	Rs.50/- + other bank charges
2	Cheques deposited by customers and returned unpaid - local(Returned to us)	Rs.50/- per instrument	Rs.50/-per instrument	Rs.50/-per instrument	Rs.50/-per instrument	Rs.50/-per instrument	Rs.50/-per instrument
3	Cheque issued by customers and returned by us including ECS mandate and Post dated cheques including IVBL cheques	Rs.200/- per cheque for Insufficient Funds.	Rs.200/- per cheque for Insufficient Funds.	Rs.200/- per cheque for Insufficient Funds.	Rs.200/- per cheque for Insufficient Funds.	Rs.200/- per cheque for Insufficient Funds.	Rs.200/- per cheque for financial reason
Special Services
1	Balance confirmation	Rs. 25/-	Rs. 25/-	Rs.25/-	Rs.25/-	Rs. 25/-	Rs. 25/-
2	Signature verification	Rs. 25 per attestation	Rs. 25 per attestation	Rs. 25 per attestation	Rs. 25 per attestation	Rs. 25 per attestation	Rs. 25 per attestation
3	No due certificate	Rs.25/- per certificate.	Rs.25/- per certificate.	Rs.25/- per certificate.	Rs.25/- per certificate.	Rs.25/- per certificate.	Rs.25/- per certificate.
4	Old record Enquiry	Rs.100 for each enquiry more than one year old from the date of request	Rs.100 for each enquiry more than one year old from the date of request	Rs.100 for each enquiry more than one year old from the date of request	Rs.100 for each enquiry more than one year old from the date of request	Rs.100 for each enquiry more than one year old from the date of request	Rs.100 for each enquiry more than one year old from the date of request
5	Charges for changes in the operational instructions or noting change in the signature/name	Free	Free	Free	Free	Free	Free

*QAB - Quarterly Average Balance is sum of end of the day balance during the quarter divided by no. of days in the quarter

*Service charges indicated above excludes applicable service tax, subject to change from time to time.

*Bank reserves the right to change or discontinue some of the facilities.

*Free facilities are available only against maintenance of quarterly average balance.

*Customer depositing cash of Rs.25,000/- and above under "Anywhere Banking" should produce letter as per Bank's format, from the account holder.

**Available at base branch location for customer-in-person or as e-statement

ING Vysya Bank Limited

Basel II Disclosures|

Fair Practice Code|

Citizen Charter|

Code of Commitment|

Complaints

Security Tips\|	Privacy Policy\|	Disclaimer\|
© 2009.ING Vysya Bank Limited. All rights reserved.