AU Small Finance Bank Current Account

AU Bank Current Account Minimum Balance

AU Bank Current Account Zero Balance

AU Small Finance Bank Current Account Minimum Balance

Here you will have the detailed information related to au bank current account. The key benefits, features and opening process of the bank account.

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Introduction To AU Bank

AU Small Finance Bank is one of India’s leading financial institutions, known for its customer-centric approach and innovative banking solutions. With a strong presence across the country, AU Bank provides a wide range of financial products and services, including savings accounts, loans, and investment options tailored to meet the needs of individuals and businesses.

AU Small Finance Bank (AU Bank) is a leading small finance bank in India, providing a wide range of banking and financial services. Established as AU Financiers in 1996, the company initially focused on vehicle financing. In 2017, it transitioned into a Small Finance Bank under the Reserve Bank of India’s (RBI) Small Finance Bank licensing framework. Since then, AU Bank has grown rapidly, offering innovative banking solutions to individuals, businesses, and entrepreneurs across India.

Key Milestones & Growth

• 1996 – Founded as AU Financiers (India) Ltd., focusing on vehicle loans
• 2017 – Received a Small Finance Bank (SFB) license from RBI and officially became AU Small Finance Bank
• 2018 – Launched its initial public offering (IPO) and got listed on NSE & BSE
• 2021 – Became India’s largest Small Finance Bank by market capitalization
• 2022 – Expanded digital banking services with AU 0101 App & Video Banking
• 2023 – Crossed over ₹1 lakh crore in total deposits and advances, showcasing strong financial growth

Importance of a Current Account for Businesses and Professionals

A current account is an essential financial tool for businesses, entrepreneurs, and professionals. Unlike savings accounts, current accounts are designed to handle large volumes of transactions, offering benefits such as seamless fund transfers, overdraft facilities, and customized banking solutions. Having a current account helps businesses manage their cash flow efficiently, make timely payments, and maintain financial discipline.

What This Guide Will Cover

This guide provides a comprehensive overview of AU Bank’s current account offerings, including:

• The key features and benefits of AU Bank’s current accounts
• Eligibility criteria and documentation required for account opening
• A step-by-step process for opening a current account
• Additional banking services and digital tools available for account holders

Why Choose AU Bank?

• Customer-Centric Approach: AU Bank focuses on personalized services for individuals and businesses.
• Strong Digital Presence: Offers seamless online and mobile banking for hassle-free transactions.
• Innovative Banking Solutions: Video banking, instant account opening, and custom financial products.
• Rapid Expansion: Growing network of branches, ATMs, and business correspondents across India.
• Trusted Financial Institution: Regulated by RBI and backed by strong financial performance.

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What is a Current Account?

A current account is a type of bank account designed specifically for businesses, entrepreneurs, and professionals who engage in frequent financial transactions. Unlike savings accounts, which focus on earning interest, current accounts prioritize transaction flexibility, allowing seamless deposits, withdrawals, and fund transfers. These accounts are ideal for handling high-volume transactions and offer features such as overdraft facilities, checkbook issuance, and digital banking services.

Why Choose AU Bank for a Current Account?

AU Small Finance Bank offers a range of current accounts tailored to meet the diverse needs of businesses, startups, and professionals. Here’s why AU Bank stands out:

1. Multiple Account Variants – AU Bank provides various current account options, such as premium, trade-focused, and digital-first accounts, catering to different business needs.
2. High Transaction Limits – Businesses can enjoy higher cash deposit and withdrawal limits, ensuring smooth operations without restrictions.
3. Seamless Digital Banking – With AU 0101 Net Banking and Mobile Banking, customers can manage their accounts, transfer funds, and make payments anytime, anywhere.
4. Customized Business Solutions – The bank offers sector-specific current accounts with benefits like trade and forex services, invoicing tools, and payroll solutions.
5. Overdraft & Credit Facilities – Businesses can access working capital through overdraft facilities linked to their current accounts, helping with cash flow management.
6. Value-Added Services – AU Bank provides business support tools, doorstep banking, payment gateway solutions, and relationship management for premium account holders.
7. Widespread Branch Network – AU Bank has an expanding network of branches, ATMs, and banking correspondents across India, ensuring convenient access to services.
8. Exclusive Business Rewards & Offers – Account holders can enjoy discounts on business tools, travel, and other professional services, adding extra value to their banking experience.

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Types of AU Bank Current Account

AU Small Finance Bank offers a variety of current account options designed to meet the unique banking needs of businesses, professionals, and enterprises. Each account comes with tailored benefits, ensuring seamless financial management.

1. Business Current Account

Best For: Small businesses, startups, and self-employed professionals
Key Features:

• High cash deposit and withdrawal limits
• Free NEFT/RTGS/IMPS transactions for easy fund transfers
• Overdraft facility to manage cash flow fluctuations
• Digital banking access via AU 0101 Net Banking & Mobile Banking
• Free checkbook issuance and bulk payment processing

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2. Premium Current Account

Best For: Mid-sized businesses and high-volume transaction firms
Key Features:

• Personalized relationship manager for priority service
• Higher free transaction limits compared to standard current accounts
• Preferential rates on forex transactions and business loans
• Free demand drafts and checkbooks for smooth business operations
• Access to AU Bank’s exclusive business rewards and offers

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3. Trade Current Account

Best For: Importers, exporters, and businesses with international trade transactions
Key Features:

• Dedicated forex services with competitive exchange rates
• Trade finance solutions, including Letters of Credit (LC) and Bank Guarantees (BG)
• Seamless cross-border transactions with a global payment gateway
• Preferential pricing on inward and outward remittances
• Expert trade advisory services for risk management and compliance

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4. Digital Current Account

Best For: Tech-savvy entrepreneurs, e-commerce businesses, and freelancers
Key Features:

• Instant online account opening with minimal documentation
• 24/7 access to digital banking tools for invoicing and payments
• No minimum balance requirement (on select plans)
• Integration with payment gateways for online businesses
• Free UPI, IMPS, NEFT, and RTGS transactions for hassle-free banking

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5. Customized Solutions for Enterprises

Best For: Large corporations, MSMEs, and sector-specific businesses
Key Features:

• Tailored current account solutions based on business requirements
• Industry-specific banking features (e.g., working capital management, supply chain financing)
• Payroll management services for employee salary disbursements
• Advanced cash management solutions for optimizing business funds
• Priority banking with premium services and dedicated relationship managers

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Key Features of AU Bank Current Account

AU Small Finance Bank’s current accounts are designed to support businesses, professionals, and enterprises with seamless financial management. Here are the key features that make AU Bank’s current accounts a preferred choice:

1. High Transaction Limits

• AU Bank current accounts come with high transaction limits, allowing businesses to conduct large volumes of deposits and withdrawals without restrictions.
• Ideal for businesses that require frequent and high-value transactions.
• Free NEFT, RTGS, and IMPS transactions on select account types.

2. Zero or Low Minimum Balance Requirements

• AU Bank offers current account variants with zero or low minimum balance requirements, ensuring flexibility for startups and growing businesses.
• Different account options cater to various business needs, from small businesses to large enterprises.

3. Free Digital Banking Services

• 24/7 access to AU 0101 Net Banking and Mobile Banking for easy fund transfers, bill payments, and account management.
• Integration with UPI and payment gateways for smooth digital transactions.
• Instant alerts and transaction tracking through SMS and email notifications.

4. Multi-City Banking Convenience

• AU Bank’s wide network of branches, ATMs, and banking correspondents across India provides easy accessibility.
• Multi-location account operation enables businesses to transact across different cities seamlessly.
• Centralized banking services help enterprises manage their finances efficiently.

5. Cash Deposit and Withdrawal Facilities

• High cash deposit and withdrawal limits with doorstep banking options for added convenience.
• Free or discounted cash handling charges based on the type of current account.

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Benefits of AU Bank Current Account

AU Small Finance Bank’s current accounts are designed to provide businesses with seamless banking solutions, ensuring efficient financial management and growth. Here are the key benefits:

1. Easy Online and Offline Banking

• Enjoy 24/7 access to banking services through AU 0101 Net Banking and Mobile Banking.
• Perform transactions, pay bills, and manage accounts anytime, anywhere.
• Access a vast network of branches, ATMs, and banking correspondents for offline banking convenience.

2. Seamless Fund Transfers (IMPS, NEFT, RTGS)

• Instant fund transfers using IMPS for quick and hassle-free transactions.
• NEFT & RTGS services for high-value payments without additional processing delays.
• No-cost or discounted transactions on select current account variants.

3. Business Growth Support

• Access to business-friendly banking services, including overdraft facilities, trade finance, and supply chain management solutions.
• Special features like payment gateway integration for e-commerce businesses.
• Support for startups, MSMEs, and large enterprises with customized financial solutions.

4. Relationship Manager Assistance

• Dedicated relationship managers for premium current account holders to provide personalized financial advice.
• Priority banking services, helping businesses with financial planning, credit solutions, and investment strategies.
• Expert guidance on trade and forex transactions for businesses engaged in imports/exports.

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Eligibility Criteria for Opening an AU Bank Current Account

AU Small Finance Bank offers current accounts to various individuals and business entities, ensuring smooth financial transactions and efficient cash flow management. Below are the eligibility criteria and required documents for opening a current account.

1. Who Can Apply?

AU Bank current accounts are available for:

• Individuals & Professionals – Self-employed individuals, freelancers, consultants, and professionals such as doctors, lawyers, and chartered accountants.
• Businesses & Startups – Sole proprietorships, partnerships, private limited companies, and LLPs looking for banking solutions to manage their transactions.
• Enterprises & Corporates – Large enterprises, MSMEs, and corporate organizations requiring high-volume transactions and business banking services.
• Trusts, Societies & Associations – NGOs, educational institutions, and cooperative societies that need a dedicated banking solution.

2. Required Documents

To open a current account with AU Bank, applicants must provide the following documents:

✅ Know Your Customer (KYC) Documents

• Aadhaar Card, Voter ID, Passport, or Driving License (for identity & address proof).

✅ Business Proof (as applicable)

• Sole Proprietorship: GST registration, Shop & Establishment certificate, or Trade License.
• Partnership Firm: Partnership Deed, PAN card of the firm, and registration certificate (if applicable).
• Private Limited & LLP: Certificate of Incorporation, Memorandum & Articles of Association, Board Resolution, and PAN card of the company.
• Trusts/Societies: Registration certificate, Trust Deed, and PAN card.

✅ Permanent Account Number (PAN)

• PAN card of the individual/business entity is mandatory.

✅ GST Registration

• Required for businesses registered under GST, ensuring tax compliance.

✅ Additional Documents (if required)

• Proof of business address, financial statements, or any other document requested by the bank.

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Step-by-Step Process to Open an AU Bank Current Account

AU Small Finance Bank makes opening a current account quick and hassle-free through both online and offline methods. Here’s a step-by-step guide:

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1. Online Account Opening Process

Businesses and professionals can open an AU Bank current account digitally with minimal paperwork.

Step 1: Visit AU Bank’s Website or Mobile App

• Go to the AU Small Finance Bank website or download the AU 0101 Mobile Banking App.
• Navigate to the “Current Account” section and click on “Apply Now”.

Step 2: Fill in Basic Details

• Enter details such as business name, type of entity, PAN, Aadhaar, and GST number (if applicable).
• Provide registered business address and contact information.

Step 3: Upload Required Documents

• Upload scanned copies of KYC documents, business proof, and other required documents.
• Ensure that all documents are clear and valid for smooth verification.

Step 4: Video KYC Verification

• AU Bank may conduct a Video KYC (Know Your Customer) verification for authentication.
• The applicant must show their original documents via a live video call with a bank representative.

Step 5: Account Approval & Activation

• Once documents are verified, the bank will approve the application.
• The account details will be shared via email and SMS.
• Login credentials for AU 0101 Net Banking and Mobile Banking will be provided.

Step 6: Fund the Account

• Deposit the initial funding amount (if required) based on the selected current account type.
• Start using the account for transactions and business operations.

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2. Offline Application at AU Bank Branches

If you prefer in-person banking, you can open an AU Bank current account at the nearest branch.

Step 1: Visit the Nearest AU Bank Branch

• Locate a nearby AU Bank branch and meet a bank representative for assistance.

Step 2: Fill Out the Account Opening Form

• Provide personal and business details as per the application form.

Step 3: Submit Required Documents

• Submit KYC documents, business proof, and PAN card for verification.

Step 4: Verification Process

• The bank will verify the submitted documents and may conduct a business visit if required.

Step 5: Account Activation & Initial Deposit

• Once approved, the account will be activated.
• Fund the account with the initial deposit amount (if applicable).
• Receive the checkbook, debit card, and account details for transactions.

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3. Activation and Initial Funding Requirements

• Some current account types may require an initial deposit, while others have a zero-balance facility.
• After activation, businesses can start transacting, set up online banking, and access additional banking features.
• Premium account holders may get a dedicated relationship manager for business support.

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Charges and Fees Associated with AU Bank Current Accounts

AU Small Finance Bank offers various current accounts with different fee structures based on the type of account and business needs. Below is a general overview of the key charges applicable to AU Bank’s current accounts.

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1. Account Maintenance Fees

• Monthly or quarterly account maintenance charges may apply, depending on the type of current account.
• Some premium current accounts may offer zero maintenance fees if minimum balance requirements are met.
• Charges may vary based on average quarterly balance (AQB) requirements.

📌 Example:

• Basic Current Account – ₹0 to ₹500 per quarter (depending on balance)
• Premium Current Account – Higher free transaction limits but requires maintaining AQB

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2. Transaction Charges

• NEFT, RTGS, and IMPS transactions are free for most current accounts up to a certain limit.
• Charges may apply for high-value fund transfers beyond free limits.

📌 Approximate Charges:

• NEFT (Online): Free | NEFT (Branch): ₹2 to ₹25 per transaction (based on amount)
• RTGS (Online): Free | RTGS (Branch): ₹10 to ₹50 per transaction
• IMPS: ₹5 to ₹15 per transaction (depending on amount)
• Checkbook issuance – Free for a limited number of check leaves per month; additional checkbooks may have charges.
• Demand Draft (DD) / Pay Order – ₹25 to ₹100 per draft, depending on value.

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3. Other Applicable Fees

Cash Deposit & Withdrawal Limits

• AU Bank offers high free cash deposit limits for current accounts.
• Cash deposit charges apply if the monthly free limit is exceeded.
• Free limit usually varies from ₹2 lakhs to ₹10 lakhs per month, depending on the account type.

📌 Example:

• Cash Deposit Limit – Free up to ₹3 lakh per month; charges of ₹3 to ₹5 per ₹1,000 beyond the limit.
• Cash Withdrawal Charges – Free at AU Bank branches; charges may apply for third-party withdrawals.

SMS Alerts & Banking Notifications

• SMS Alert Charges – ₹10 to ₹25 per month (varies by account type).
• Email Alerts & Statements – Free for all account holders.

Overdraft & Loan Charges

• Overdraft Facility – Interest charged on utilized overdraft amount as per bank policy.
• Cheque Bounce Charges – ₹200 to ₹750 per instance.

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How to Check Detailed Charges?

• Charges vary based on account type and customer segment.
• Customers can visit the AU Bank website or contact customer support for detailed fee structures.
• Fee waivers may be available for premium or high-value customers.

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AU Bank Digital Banking & Mobile App for Current Account Holders

AU Small Finance Bank provides a seamless digital banking experience for current account holders through its AU 0101 Mobile App and Net Banking platform. These tools offer a wide range of features to help businesses manage their finances efficiently.

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1. Features of AU 0101 Mobile App

The AU 0101 Mobile App is designed to provide businesses with secure and easy access to their current accounts. Key features include:

✅ 24/7 Access to Banking Services – View account balance, statements, and transaction history anytime, anywhere.
✅ User-Friendly Dashboard – Intuitive interface for easy navigation and quick banking.
✅ Multi-Account Management – Manage multiple AU Bank current accounts from a single app.
✅ Customizable Alerts & Notifications – Get instant SMS/email alerts for transactions and due payments.
✅ Secure Login & Authentication – Biometric login, MPIN, and OTP-based security for enhanced protection.

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2. Online Fund Transfers & Bill Payments

AU Bank’s digital banking solutions enable quick and hassle-free transactions for businesses.

💰 Fund Transfer Options:

• IMPS (Instant Transfers) – 24/7 money transfer within seconds.
• NEFT & RTGS – Secure high-value transactions without time restrictions.
• UPI Payments – Fast and convenient transactions via UPI.
• Bulk Payments – Payroll processing and vendor payments through a single transaction.

🧾 Bill Payment Services:

• Pay utility bills, GST, business taxes, and vendor invoices directly from the AU 0101 app.
• Schedule recurring payments to avoid late fees.
• Auto-debit facilities for subscription-based services.

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3. Account Management & Transaction Tracking

AU Bank offers robust tools to help businesses track and manage transactions efficiently.

📌 Account Monitoring

• Real-time balance updates and mini-statements.
• Download detailed account statements for financial analysis.

📌 Expense & Cash Flow Tracking

• Categorized transaction history to monitor business expenses.
• Analytics and reports for better financial decision-making.

📌 Checkbook & Service Requests

• Request checkbooks, stop payments, and update account details digitally.
• Raise queries and track service requests without visiting a branch.

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Why Choose AU Bank’s Digital Banking for Your Business?

✅ Time-Saving: No need to visit a branch—manage all banking tasks online.
✅ Secure Transactions: Multi-layer security and fraud protection.
✅ Business-Friendly Features: Bulk payments, expense tracking, and seamless integrations.

With the AU 0101 Mobile App and Net Banking, AU Bank ensures that businesses can operate smoothly with easy financial management, secure transactions, and real-time access to banking services.

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AU Bank’s Special Offers and Rewards for Current Account Holders

AU Small Finance Bank provides exclusive benefits, cashback, and rewards to support businesses and professionals using its current account services. These special offers enhance banking convenience and provide financial advantages to account holders.

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1. Cashback & Discounts

AU Bank offers cashback and discounts on various banking transactions and partner services:

💰 Cashback on Digital Transactions:

• Earn cashback on UPI, NEFT, and RTGS transactions above a certain threshold.
• Special cashback on business utility payments and online fund transfers.

🛒 Exclusive Discounts on Business Services:

• Discounts on business loans, forex transactions, and trade services.
• Partner offers on accounting software, digital marketing, and business tools.
• Reduced charges on bulk payments, demand drafts, and checkbook issuance.

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2. Free Banking Services for Startups

AU Bank supports startups and small businesses by offering cost-effective banking solutions:

🚀 Zero Balance Accounts for Startups:

• Select current accounts with no minimum balance requirement for new businesses.
• Free transactions and waived-off account maintenance charges for the first few months.

🔄 Free Digital Banking Tools:

• No-cost online transactions (NEFT, RTGS, IMPS, UPI) for eligible accounts.
• Free payment gateway integration for e-commerce businesses.

📝 Simplified Account Opening Process:

• Startups can open accounts with minimal documentation and digital verification.

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3. Business Advisory Services

AU Bank provides expert advisory and support services to help businesses grow:

📊 Financial & Investment Advice:

• Dedicated relationship managers to assist with business banking needs.
• Guidance on working capital management, credit solutions, and investment strategies.

🌍 Trade & Forex Advisory:

• Assistance with import/export transactions, forex hedging, and trade finance solutions.
• Preferential rates for international money transfers.

📈 Growth & Expansion Support:

• Special business loans, overdraft facilities, and cash flow management solutions.
• Partner programs to help MSMEs and entrepreneurs scale operations.

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Why Choose AU Bank’s Special Offers?

✅ Cost Savings – Cashback and fee waivers reduce operational costs.
✅ Business Growth Support – Advisory services help businesses scale efficiently.
✅ Convenience & Flexibility – Free digital banking tools streamline financial operations.

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AU Bank Current Account vs Other Banks – A Comparison

When choosing a current account, businesses and professionals look for features, fees, and benefits that suit their financial needs. Below is a comparison of AU Bank Current Accounts with other major banks in India.

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Key Differences in Features and Fees

Feature	AU Small Finance Bank	HDFC Bank	ICICI Bank	SBI	Axis Bank
Minimum Balance Requirement	Zero to ₹50,000 (varies by account type)	₹10,000 – ₹1 lakh	₹10,000 – ₹5 lakh	₹5,000 – ₹5 lakh	₹10,000 – ₹5 lakh
Free Online Transactions	NEFT, RTGS, IMPS, UPI (limited free)	NEFT, RTGS free (higher plans)	Limited free IMPS/NEFT	Limited free NEFT/RTGS	Limited free NEFT/RTGS
Cash Deposit Limits	Up to ₹10 lakh free (varies by plan)	Free up to ₹3 lakh/month	Free up to ₹5 lakh/month	Free up to ₹5 lakh/month	Free up to ₹3 lakh/month
Dedicated Relationship Manager	Yes (for premium accounts)	Yes (for premium accounts)	Yes (for select accounts)	No	Yes (for select accounts)
Trade & Forex Services	Yes, with advisory support	Yes	Yes	Yes	Yes
Business Loan & Overdraft	Available for MSMEs & startups	Available	Available	Available	Available
Mobile App & Net Banking	AU 0101 with advanced features	HDFC SmartHub	ICICI InstaBIZ	YONO Business	Axis Mobile
Free Payment Gateway	Available for startups & businesses	Paid	Paid	No	Paid
Exclusive Rewards & Cashback	Yes (Cashback on digital transactions)	No	No	No	No

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Unique Benefits of AU Bank Current Accounts

📌 Zero Balance Account Option – Ideal for startups and small businesses.
📌 Higher Free Cash Deposit Limits – Up to ₹10 lakh/month, higher than most banks.
📌 Free Digital Transactions – NEFT, RTGS, and IMPS without extra charges (limits apply).
📌 Exclusive Business Advisory Services – Dedicated relationship manager, forex support, and credit solutions.
📌 Cashback & Discounts – Special cashback on digital transactions and partner services.

🏆 Verdict: AU Bank stands out for startups, MSMEs, and businesses looking for cost-effective and high-transaction-limit current accounts with personalized banking support.

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Common Issues and How to Resolve Them

Even with a seamless banking experience, AU Bank current account holders may occasionally face issues. Here’s a guide to resolving common problems efficiently.

1. Transaction Failures

🔹 Issue: NEFT, RTGS, IMPS, or UPI transactions fail or get delayed.
🔹 Possible Causes:

• Insufficient balance in the account.
• Incorrect beneficiary details (wrong IFSC or account number).
• Server downtime or banking network issues.

✅ How to Resolve:
✔️ Check your account balance and ensure sufficient funds.
✔️ Verify the beneficiary details before retrying the transaction.
✔️ Try using an alternative mode (Net Banking, Mobile App, or UPI).
✔️ If the money is debited but not credited to the recipient, wait 24 hours (amount is usually auto-reversed).
✔️ Contact customer support if the issue persists.

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2. Login Issues in Net Banking & Mobile Banking (AU 0101 App)

🔹 Issue: Unable to log in to AU 0101 Net Banking or Mobile App.
🔹 Possible Causes:

• Incorrect username/password.
• Account locked due to multiple failed login attempts.
• Internet connectivity issues.

✅ How to Resolve:
✔️ Reset your password via the “Forgot Password” option on the login page.
✔️ Ensure you have a stable internet connection.
✔️ Clear cache and cookies if logging in via a web browser.
✔️ If the account is locked, wait 30 minutes or contact customer support for unlocking.

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3. How to Contact AU Bank Customer Support

📞 Toll-Free Customer Care Number: 1800 1200 1200 (Available 24/7)
📧 Email Support: customercare@aubank.in
🌐 Website Chat Support: Available on the AU Small Finance Bank website.
🏦 Visit Branch: Locate the nearest AU Bank branch for in-person assistance.

For quick resolution of issues, customers can also raise a complaint or service request via AU 0101 Mobile App or Net Banking.

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Conclusion

AU Small Finance Bank’s current account offerings are designed to meet the diverse financial needs of businesses, startups, and professionals. With high transaction limits, minimal maintenance fees, free digital banking services, and business advisory support, AU Bank provides a seamless banking experience that helps businesses manage their finances efficiently.

The AU 0101 Mobile App and Net Banking ensure 24/7 access to transactions, bill payments, and account management, while cashback rewards, startup-friendly benefits, and trade services give AU Bank an edge over traditional banks.

For businesses looking for a reliable, flexible, and cost-effective current account, AU Bank stands out as a strong choice. Whether you’re a startup, MSME, or a large enterprise, AU Bank offers tailored solutions to support your financial growth.

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FAQs

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Disclaimer-:

The information provided on this blog is for educational and informational purposes only and should not be considered as financial, investment, or professional advice. We do not engage in, endorse, or offer any financial services, investment opportunities, or related business activities.

While we strive to provide accurate and up-to-date information, we make no representations or warranties regarding the completeness, reliability, or accuracy of the content. Any action you take based on the information from this blog is strictly at your own risk. We recommend consulting with a qualified financial professional before making any financial decisions.

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By PaisaInvests

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