Banking Manually verified: August 2026 by Hussain Saify

AU Savings Account Referral Code & Sign Up Bonus

Maximize your rewards when creating a new account.

Your Sign-Up Reward

Secure a ₹500 cash bonus when you open and fund your new AU Savings Account.
Claim ₹500 on AU Savings Account

By using our link/code, we may earn a commission: "Earn ₹500 when your friend successfully opens and funds their AU Savings Account.". This helps keep ReferBenefits free!

🛡️ 100% Legal & Official Store Routing: Links route directly to official Play Store, App Store, or bank domain pages. ReferBenefits captures zero personal financial data. Sign-up cashbacks/rewards are credited directly by the merchant upon fulfilling eligibility terms.
⚖️ Banking & Regulatory Notice:Banking services and credit cards are issued and serviced exclusively by RBI-regulated partner banks (e.g. The Federal Bank Limited). Digital platforms act as technology service providers (LSP/TSP). Deposits are insured under DICGC up to ₹5 Lakhs per depositor at the partner bank.

Key Highlights & Transparent Terms

At a Glance

Editorial Verdict

★ 4.7/5

“High-yield digital savings account offering up to 7.25% interest with paperless Video KYC.”

Best For:Savers seeking higher interest returns than legacy commercial banks with full RBI/DICGC protection.
Watch Out For:Requires maintaining an Average Monthly Balance (AMB) depending on the variant selected.

Fee & Terms Schedule

Account Opening Fee
₹0 (Free)100% digital onboarding
Savings Interest Rate
Up to 7.25% p.a.Tiered interest rate structure
Debit Card Annual Fee
₹150 + GSTPlatinum RuPay/Visa debit card
Minimum Balance (AMB)
₹2,000 - ₹5,000Variant dependent (Zero balance for select programs)

Reward Unlock Roadmap

Apply via Partner LinkImmediate
Initiate application via official AU Bank partner link
5-Minute Video KYCWithin 24 hrs
Verify PAN and Aadhaar via paperless video call
Initial Account FundingDirect Bank Credit
Deposit initial funds into the activated account

Crucial Terms to Keep in Mind

  • Funding Window: Bonus eligibility requires funding the account within 30 days of account activation.
  • New Customer Exclusivity: Must be a new customer opening an AU Savings Account for the first time.

Real-World Value Simulation: Annual Savings Comparison on ₹1,00,000 Idle Balance

Sample Benchmark Spend₹1,00,000 Average Balance
Standard Cost₹3,000 / year (Legacy 3% Banks)
Net Benefit with AU Savings Account₹4,750+ Extra Interest

How to Claim Your Bonus

ℹ️ Outbound links on this page are affiliate links.
1

Click on the unique referral link provided: https://refer-a-friend.au.bank.in/c/i/33747/27095901. This activates the bonus automatically.

2

Complete the online application for your new AU Savings Account, including the Video KYC process.

3

Fund your newly opened AU Savings Account with the required initial deposit amount as specified in the offer terms.

4

The ₹500 cash bonus will be credited directly to your AU Savings Account once all conditions are met.

✅ Pros

  • Enjoy competitive interest rates on your savings account, often higher than those offered by traditional commercial banks.
  • Experience a fully digital account opening process via Video KYC, allowing you to set up your account from anywhere without visiting a branch.
  • Access a robust and feature-rich mobile banking app and internet banking for effortless transactions, bill payments, and financial management.
  • Benefit from personalized customer service and a proactive approach, common with agile small finance banks.
  • Choose from a diverse range of savings account options, including specialized accounts tailored for women, seniors, or specific financial goals.

❌ Cons

  • The physical branch network is still expanding and may not be as widespread as larger, established national banks.
  • Most savings account variants require maintaining an Average Monthly Balance (AMB), with non-maintenance potentially incurring charges.
  • As a relatively newer full-fledged bank, some users might initially prefer the brand recognition of older, larger financial institutions.

Our Hands-On Analysis of AU Savings Account

In a financial landscape bustling with choices, selecting a savings account that truly serves your needs goes beyond just security; it’s about maximizing your earnings and simplifying your banking experience. AU Small Finance Bank, having transitioned from a respected finance company to a full-fledged universal bank, has carved a distinct niche by blending competitive returns with cutting-edge digital convenience. Our deep dive into the AU Savings Account reveals a compelling option for those seeking a modern banking solution.

AU Small Finance Bank stands out for its agility and customer-centric approach, often providing interest rates on savings that surpass those of many larger, legacy banks. This focus on higher yields means your money works harder, a significant advantage in today's economy. The bank has heavily invested in its digital infrastructure, making the entire banking journey remarkably smooth. From account opening to daily transactions, the emphasis is on user empowerment through technology.

While AU's physical footprint is growing, its digital channels are robust enough to manage almost all banking needs remotely. This makes it particularly appealing to digitally savvy individuals who prioritize convenience and efficiency over frequent branch visits. However, it's worth noting that like many banks, certain account types do come with minimum balance requirements, a detail prospective accountholders should review carefully.

Core Benefits & User Experience Highlights

  • Superior Interest Rates: A primary draw for the AU Savings Account is its often higher interest rates compared to larger banks, providing a tangible benefit to your savings.
  • Effortless Digital Onboarding: The Video KYC facility allows you to open an account from the comfort of your home, completing the entire process digitally without any paperwork or branch visits.
  • Intuitive Mobile Banking: The AU 0101 App offers a comprehensive suite of features, including instant fund transfers (UPI, NEFT, RTGS, IMPS), bill payments, fixed deposit management, and investment options, all within a clean and responsive interface.
  • Personalized Service: As a small finance bank, AU often prides itself on more personalized customer support and a proactive approach to client relationships.
  • Debit Card Benefits: Enjoy a range of benefits with your AU Bank debit card, including cashback offers, discounts, and access to a wide ATM network.

Tips to Secure the Maximum Referral Bonus

Claiming your ₹500 cash bonus with AU Savings Account is straightforward and designed for simplicity. Unlike offers that require complex code entry, this program is entirely link-driven, ensuring a smooth activation process.

  1. Use the Official Referral Link: The most crucial step is to initiate your account opening process by clicking directly on the unique referral link provided. This link automatically registers your application under the referral program, making manual code entry unnecessary.
  2. Complete Your Application: Follow the on-screen instructions to complete your AU Savings Account application. This will typically involve providing your personal details, completing the Video KYC process, and selecting your preferred account type.
  3. Fund Your New Account: To qualify for the bonus, you will need to fund your newly opened AU Savings Account. Ensure you meet any specified initial deposit requirements as per the offer terms. These details will be clearly outlined during the application process.
  4. Await Your Bonus: Once your account is successfully opened and funded according to the terms, the ₹500 cash bonus will be credited to your new AU Savings Account within the stipulated timeframe, usually a few weeks post-account activation.
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If our in-depth fee comparisons and step-by-step guides helped you choose the right offer, kindly consider using our verified referral links/codes when signing up. It costs you absolutely nothing (you still receive the maximum verified sign-up bonus!), while directly supporting our editorial team to continue researching, testing, and bringing you genuine, high-paying referral benefits.

Frequently Asked Questions

Are there any minimum balance requirements for the AU Savings Account?

Yes, most AU Savings Account variants come with an Average Monthly Balance (AMB) requirement. It's crucial to check the specific AMB for your chosen account type during the application process to avoid non-maintenance charges.

What documents are required to open an AU Savings Account online?

For online account opening via Video KYC, you will generally need your Aadhaar card, PAN card, and a stable internet connection. Ensure you have these ready for a smooth process.

Is AU Small Finance Bank safe and regulated?

Absolutely. AU Small Finance Bank is a scheduled commercial bank regulated by the Reserve Bank of India (RBI). Deposits are insured under the Deposit Insurance and Credit Guarantee Corporation (DICGC) scheme, providing full security for your funds up to ₹5 lakhs.

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Please make financial decisions responsibly. 🙏