PENSIONERS ACCOUNT
An ideal account for pensioners irrespective of age

Disclaimer
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Bank of India brings a Savings Account that understands your banking needs in your post-retirement days with our Pensioners Account. Designed to offer a host of banking benefits that makes your retirement period more convenient, it’s a reliable and secured savings account to enjoy stress-free golden days.
Pension Savings Account that Doesn’t See Age
Whether you want to retire early or late with pension benefits, Pensioners Account ensures that your banking journey is as convenient as possible so that you can live life to the fullest. Make the best decision for your life after retirement with a trusted savings account by your side.
Experience simplified banking with our user-friendly online and mobile banking platforms. Perform transactions, access account details, and enjoy hassle-free banking from the comfort of your home. Our digital banking services are designed to provide you with a seamless and secure banking experience. You can now open your pension account at the convenience of your home through our digital platform also.
Open the doors to a comprehensive banking experience with the Pensioners Account from the Bank of India. Make the most of your post-retirement life with dedicated financial support from the Bank of India
Eligibility
- Individuals drawing regular pension from Bank of India irrespective of age
- Minimum Balance Requirement - Nil
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Features | Normal | Classic | Gold | Diamond | Platinum |
---|---|---|---|---|---|
AQB | Nil | Rs 10,000/- | Rs 1 Lakh | Rs 5 Lakhs | Rs 10 Lakhs |
Eligible ATM Card | Rupay NCMC | Rupay Platinum | Rupay Select | Visa Business | Visa Signature |
Waiver of ATM/ Debit card AMC | 50,000/- | 75,000 | 1,00,000 | 2,00,000 | 5,00,000 |
Free Cheque Leaves | First 25 leaves | 25 leaves per annum | 25 leaves per quarter | 50 leaves per quarter | Unlimited |
Waiver of RRTGS/NEFT charges | NA | 50% waiver | 100% waiver | 100% waiver | 100% waiver |
Free DD/PO | NA | 50% waiver | 100% waiver | 100% waiver | 100% waiver |
Credit card issuance charges waiver | NA | 50% waiver | 100% waiver | 100% waiver | 100% waiver |
SMS/Whatsapp Alert Charges | Chargeable | Free | Free | Free | Free |
GPA & other covers* | Rs 5,00,000 | Rs 15,00,000 | Rs 30,00,000 | Rs 55,00,000 | Rs 1,05,00,000 |
Free transaction at BOI ATM per month | Nil | 5 | Unlimited | Unlimited | Unlimited |
Free transaction at other ATM per month | Nil | 5 | Unlimited | Unlimited | Unlimited |
Concession in retail loan processing charges** | 50% | 50% | 50% | 100% | 100% |
Concession in ROI for retail loan** | Not available | Not available | 5 bps | 10 bps | 25 bps |
Locker Rent concession | Not available | Not available | 20% | 50% | 100% |
Salary/Pension advance | Equal to 1 month pension | Equal to 1 month pension | Equal to 1 month pension | Equal to 1 month pension | Equal to 1 month pension |
Instant personal loan | Equal to 6 months pension | Equal to 6 months pension | Equal to 6 months pension | Equal to 6 months pension | Equal to 6 months pension |
- *The cover is subject to settlement of claims by the insurance company without any liability to the bank. The rights and liabilities of the insured shall be with the insurance company. Bank holds the right to withdraw the facility at its discretion.
- **In case of any other concessions already offered to retail loan customers, viz festive offers, special concessions to women beneficiaries etc, the concession proposed here is automatically withdrawn.
Terms and Conditions apply
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