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Fino Payments Bank review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Fino Payments Bank pays a variable rate of 1.5% to 4.5% on an easy-access savings account in India with no minimum deposit to clear. It suits savers who want a balance they can reach from an app or a banking outlet, not those shopping for a term rate.

Key facts

Best for
An easy-access Indian savings account for everyday balances.
Headline rate
1.5% to 4.5%↗
Rate type
Variable↗
Minimum deposit
₹0↗
Access terms
Mobile app, WhatsApp banking, net banking and over a million banking outlets↗
Account kind
Easy access↗
Legal entity
Fino Payments Bank Limited↗
Headquarters
India↗
Founded
2007↗
Support channels
Phone, Email, Chat, Help-centre↗
Official website
fino.bank.in

Debit cards

Card type
Debit↗
Card network
Local↗
Currencies
1↗
Features
Travel

Facts checked September 26, 2026, 4 sources

Apps and profiles

Get the app
Google Play
Elsewhere
WikidataLinkedInX

Pros and cons

Pros

  • Support runs on phone, email and chat, giving a phone line, email, chat and a help centre.
  • The linked card is a debit card on a local network with a travel focus.

Cons

  • The rate is variable, so the 1.5% to 4.5% headline is a starting point rather than a return held for a term.
  • The card covers 1 currency on a local network, so spending abroad has no multi-currency support.
  • It is an easy access account, so it does not lock a balance away for a set term.
Fino Payments Bank

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Scored 9.2 / 10 by SumCue.

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Who it suits

  • Indian savers who run an everyday balance from a phone, since the account is managed through the mobile app and WhatsApp banking.
  • Customers who prefer face to face banking, with access through a wide network of banking outlets.
  • People who want help by more than one route, since support runs on phone, email and chat.

Who should look elsewhere

  • Readers chasing the highest headline rate: Finteres lists 0% to 36%, above the top of the 1.5% to 4.5% range here.
  • Rate only shoppers: Wise lists 3.29% and bunq 3.01%, both inside the 1.5% to 4.5% range, so the rate alone does not separate them.
  • Travellers who pay in several currencies: the card covers 1 currency on a local network.

Rates and terms

Interest on the savings balance is variable, and the headline rate runs 1.5% to 4.5%. A variable rate is set by the bank and can move, so the advertised range is the level to plan on rather than a return fixed for a term. Anyone wanting a rate held for a set period would be better served by a fixed rate product elsewhere.

Who runs it

Fino Payments Bank Limited, the legal entity behind the account, is headquartered in India and has been trading since 2007. Support runs on phone, email and chat, so a phone line, email, chat and a help centre are all listed ways to reach the bank. The balance is a deposit of the bank rather than a holding at an investment platform.

How Fino Payments Bank compares

Where Fino Payments Bank is available

Available
India
Licence in India
DICGC (Deposit Insurance and Credit Guarantee Corporation), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What rate does the account pay?+

The balance earns a variable rate, and the headline rate runs 1.5% to 4.5%. Because the rate is variable it is set by the bank rather than locked in, so the advertised range is a starting point. Savers who need a guaranteed return for a set period should look elsewhere.

Is there a minimum deposit to open the account?+

The minimum deposit is INR 0, so an account can be opened and funded with whatever a saver has to spare. On that measure it ranks 1 among the 379 brands the site rates, so the threshold sits among the lowest of the savings accounts compared here.

What kind of savings account is it?+

It is an easy access account, so the balance stays available rather than being tied to a term. Money is reached through the same channels used to manage the account: the mobile app, WhatsApp banking or net banking. The easy access label means there is no term to plan around.

Is the money protected and who regulates the bank?+

Fino Payments Bank Limited is a payments bank headquartered in India, and its regulator is the Deposit Insurance and Credit Guarantee Corporation. Because this is a bank deposit account rather than an investment, the return does not depend on market movements.

How do I open and manage the account?+

The account is run from the mobile app, with WhatsApp banking and net banking as well, plus a wide network of banking outlets for anyone who prefers face to face banking. Help is available on phone, email and chat when the app is not enough.

What card comes with the account?+

The linked card is a debit card running on a local network, with 1 currency supported. In practice that suits everyday spending within the country, and the travel focus adds little for anyone spending regularly in other currencies.

How does the rate compare with other providers?+

The 1.5% to 4.5% range sits alongside 3.29% at Wise, 3.01% at bunq and 0% to 36% at Finteres. The site median for this group is 3%, so the top of the range clears the middle of the market while the bottom sits under it.

Sources

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Term, Deposit protection.

Fino Payments Bank

Fino Payments Bank

An easy-access Indian savings account for everyday balances.

9.2/10See alternatives