Open Fino Payments Bank Account

Fino Payments Bank: Services Offered, Account Facilities & Required Documents

Fino Payments Bank is designed for everyday banking—simple accounts, easy payments, and wide accessibility through both digital platforms and local service points. It is especially useful for individuals, small businesses, and customers who prefer assisted banking along with digital convenience.

Below is a clear explanation of the main facilities offered by Fino Payments Bank and the documents required to access these services.

Key Facilities Offered by Fino Payments Bank

1. Savings Account

Fino Payments Bank offers a zero or low-balance savings account suitable for daily transactions.

Facilities include:

• Account opening with Aadhaar-based KYC

• Interest on savings balance (as per bank norms)

• Free or low-cost debit card

• Cash deposit and withdrawal through service points

• Balance check and mini statement

Savings accounts can be operated through the FinoPay app or with assistance at authorized service centres.

2. Debit Card Services

Customers receive a Fino debit card linked to their savings account.

Uses:

• ATM cash withdrawal

• POS machine payments

• Online transactions

• Balance enquiry

3. UPI & Digital Payments (FinoPay App)

The FinoPay mobile app allows customers to perform digital transactions easily.

Facilities include:

• UPI money transfer

• Scan & Pay

• Bill payments (electricity, water, gas, etc.)

• Mobile & DTH recharge

• Bank-to-bank fund transfer

UPI can be used with Fino accounts as well as linked external bank accounts.

4. Money Transfer & Remittance Services

Fino Payments Bank supports domestic money transfers across India.

Available services:

• IMPS / UPI transfers

• Cash-to-bank transfer

• Aadhaar-enabled payment system (AePS)

• Merchant-assisted remittance

This is especially useful for migrant workers and small traders.

5. Aadhaar Enabled Payment System (AePS)

AePS allows basic banking transactions using Aadhaar and biometrics.

Facilities include:

• Cash withdrawal

• Balance enquiry

• Mini statement

• Fund transfer (where applicable)

No debit card is required for AePS transactions.

6. Bill Payment & Recharge Services

Customers can pay utility bills and recharge services through Fino.

Supported payments:

• Electricity bill

• Water bill

• Gas bill

• Mobile & DTH recharge

• FASTag recharge (where available)

Documents Required for Fino Payments Bank Services

For Savings Account Opening (Individual)

Mandatory documents:

• Aadhaar Card

• Mobile number linked with Aadhaar

Additional documents (if required):

• PAN Card (recommended for higher transaction limits)

Biometric verification is required during account opening.

For Debit Card & UPI Activation

• Active Fino savings account

• Aadhaar authentication

• Registered mobile number

No separate documents are usually required beyond KYC.

For Money Transfer & AePS Services

• Aadhaar Card

• Biometric authentication

• Active bank account

PAN may be required for higher-value transactions, as per guidelines.

Summary: Facilities & Documents at a Glance

Apply for Fino Payments Bank Services Through Us

While Fino Payments Bank services are designed to be simple, customers often face issues due to incomplete KYC, biometric mismatch, or incorrect details. Applying through a service provider helps avoid these problems.

If you want to open a Fino Payments Bank account, activate UPI or debit card, or use money transfer and AePS services, you can apply through our services. We assist with document verification, account setup, and service activation.

For help or enquiries, please contact us using the phone numbers mentioned on our website.