How to Open a PNB Zero Balance Account Online with Video KYC (2025 Guide)
If you’re looking to open a PNB zero balance account with Punjab National Bank (PNB) from the comfort of your home, PNB now allows you to do this fully online using Video KYC. This means you no longer need to visit a branch to get started.
Here’s a step-by-step guide to help you through the process:
✅ Benefits of PNB Zero Balance Account
- No minimum balance requirement
- Free debit card
- Optional cheque book and passbook
- UPI support via PhonePe and Google Pay
- Free NEFT/RTGS transactions online
- ₹5 lakh DICGC deposit insurance
- Fully digital account opening with Video KYC
📱 Step 1: Install the PNB One App
Go to the Google Play Store and search for “PNB One” — this is the official app of Punjab National Bank. Download and open it.
📝 Step 2: Start New Account Application
- Tap on “Open New Account”
- Select account type: choose PNB Unnati Savings Account
- Read and agree to the terms
- Click Proceed
📲 Step 3: Enter Mobile and Aadhaar Details
- Enter your mobile number (must be linked with Aadhaar)
- Enter your email address
- Submit and verify with the OTP
- Fill in your Aadhaar number
- Enter your PAN card number (original PAN with signature required)
- Your basic details like name, photo, and address will be auto-filled from Aadhaar
🧾 Step 4: Fill in Personal and Nominee Details
- Enter details like marital status, religion, caste, education, occupation, income, etc.
- Add a nominee if desired (recommended)
- Choose the branch where you want to open the account
📦 Step 5: Select Services You Need
- Choose if you want:
- Debit card ✅
- Internet banking ✅
- Mobile banking ✅
- SMS alerts ✅
- Cheque book ✅
- Passbook ✅
- Select account access type as “View & Transaction” (Important!)
🎥 Step 6: Complete Video KYC
- Keep your original PAN card and a blank paper ready to sign on camera
- Choose Hindi/English language and start the video call
- Make sure you are in a quiet place with good internet
- Show your PAN card and sign when asked
- Once verified, the account will be activated on the same day (if it’s a working day)
🧾 Step 7: Download PDF & Login to PNB One
- After successful submission, download the PDF receipt
- Use the SIM card (linked with Aadhaar) on the same phone to log in to the PNB One app
- Set your PIN and start using your account
💳 Use PhonePe or Google Pay Before Debit Card Arrives
The debit card will arrive by post in 7–10 days. In the meantime, you can link your PNB account to PhonePe or Google Pay using Aadhaar OTP and start making payments.
Conclusion
Opening a PNB Zero Balance Account online with Video KYC is easy, fast, and convenient. You don’t need to visit a branch, and your account can be activated within minutes if all documents are in order. Follow the steps above and enjoy digital banking with PNB today.
Also Read :How to Apply for Flipkart Axis Bank Credit Card Online in 2025 | Complete Step-by-Step Guide