Want to Move Your Savings Account to a New Branch? Here’s What to Do

Posted on Wednesday, July 2nd, 2025 | By IndusInd Bank

Shifting cities, moving to a new neighbourhood, or simply looking for a branch that’s more convenient—there are plenty of reasons why you might want to transfer your savings account. The good news? You don’t need to open a new account from scratch.

Transferring your existing savings account to a different branch is a simple process. But like any banking task, it helps to know what to expect before you start. Whether you’re planning to do it online or offline, this guide walks you through everything you need to know for a smooth transition.

Can You Transfer a Savings Account to Another Branch?

Yes, most banks in India—including private sector banks—allow you to transfer your savings account from one branch to another. The best part? Your account number, customer ID, and login credentials usually remain the same, so you don’t have to worry about updating your details everywhere.

That said, certain things like your IFSC code or branch-specific services may change depending on the new branch. So, it’s always good to double-check if you’ve shared your account details for things like salary credit, auto-debits, or EMI payments.

Why Would You Want to Transfer Your Account?

Here are some common reasons people choose to shift their savings account to a new branch:

• Relocation: You’ve moved to a different city or area and want a branch nearby for ease of access.
• Better branch facilities: The new branch may offer faster service, better customer support, or easier locker access.
• Joint account needs: You and your joint account holder now live in a new location, and managing the account together becomes easier from a different branch.
• Employer or service-related instructions: In some cases, employers may ask employees to shift to a particular branch for salary credits or loan processing.

Things to Know Before You Start the Transfer

Before you initiate the transfer, make sure these basics are in place:

• KYC is up to date: Your PAN, Aadhaar, address, and contact details should be accurate and verified.
• No account freeze: The account should be active and not under any restrictions.
• Linked services are reviewed: Check if you’ve set up ECS mandates, SIPs, or EMI debits that might be linked to the existing branch IFSC.
• Joint account holder’s consent (if applicable): If the account is jointly held, both account holders must approve the transfer.

Also Read: What is a Post Dated Cheque? Meaning, Uses, and How to Write One

How to Transfer a Savings Account Offline

Prefer visiting the branch? Here’s how the offline process works:

• Step 1. Visit your current bank branch with a valid ID proof and account details.
• Step 2. Request a savings account transfer form from the bank official.
• Step 3. Fill in the required details, including your new branch code, address, and reason for the
• Step 4. Submit your request, along with any necessary documents like a new address proof (if you’re relocating).
• Step 5. The bank will verify the request, process the transfer, and share a confirmation once done—usually within 3–5 working days.
  
  Tip: Carry self-attested photocopies of your ID/address proof for faster processing.

How to Transfer a Savings Account Online

If your bank supports online transfers (many private banks do), here’s a general step-by-step:

• Step 1. Log in to your bank’s internet or mobile banking platform.
• Step 2. Head to the “Service Requests” or “Account Services” section.
• Step 3. Look for “Branch Change” or “Transfer Account” option.
• Step 4. Enter the new branch details (like branch name or code) and verify your registered mobile number with OTP.
• Step 5. Submit the request. You’ll receive an acknowledgment and status updates via SMS or email.

Some banks may require a short review or approval time. Once confirmed, the branch transfer reflects in your profile, usually within a couple of days.

Tip: Check your new IFSC code after the transfer—it may change, especially if you use NEFT/IMPS regularly.

What Happens After the Transfer Request is Submitted?

Once your request is processed:

• Your account is linked to the new branch.
• All branch-related services like cheque book issuance, in-person visits, and lockers (if any) will now be handled by the new branch.
• You’ll typically receive an SMS or email confirmation.
• There’s no need to inform your employer or other institutions unless the IFSC code has changed.

It’s a good idea to double-check if your auto-debit mandates, UPI apps, and standing instructions remain unaffected.

Possible Challenges During the Transfer Process

While most transfers are smooth, here are some hiccups that may occur:

• Incorrect or outdated KYC details: Mismatched PAN, Aadhaar, or mobile number can delay your request.
• Technical errors in online requests: In case of server downtime or incomplete form entries.
• Pending dues or active holds: If your account is under scrutiny or there are unresolved service issues.
• Unlinked services: Locker facilities or certain services may not automatically shift to the new branch and may require separate action.
  
  Tip: If you don’t get a confirmation in 5 working days, follow up with your bank or branch helpdesk.

Also Read: How to Fill a Cheque Correctly: A Simple Step-by-Step Guide

Tips for a Smooth Savings Account Transfer

Want to avoid delays or disruptions? Here’s a quick checklist:

• Keep your account and mobile number active.
• Make sure your KYC is updated.
• Note down the branch code and IFSC of the new branch.
• Download the acknowledgment or confirmation receipt for your records.
• Inform employers, billers, or platforms if they rely on the IFSC code.

Check if you need to reapply for lockers or other physical services at the new branch.

Wrapping Up!

Transferring your savings account to another branch is easier than ever—especially with most private banks offering online services. Whether you’re relocating, looking for convenience, or simply prefer a new branch, this small step can make banking a lot more seamless.

Just ensure your information is accurate, keep a record of your request, and reach out to your bank’s support team if anything seems off. After all, managing your money should be as smooth as your next move.