Video KYC for bank account opening: a step-by-step guide
Video KYC lets customers complete full KYC from home. Learn the steps, preparation tips and how to tell a genuine bank video call from a fake one.
Video KYC lets people open a full-featured bank account without visiting a branch. A bank official verifies the customer over a live video call. It's quick and safe when done through the bank's official channel.
How it works
- 1After the online form, the customer gets an option or link to start video KYC.
- 2A bank agent joins the call.
- 3The customer shows their original PAN card and answers simple questions.
- 4The agent captures a photo and may check location permissions.
- 5The account is upgraded to full KYC after verification.
Preparation checklist
- Original PAN card
- Good lighting on the face
- Quiet place
- Stable internet
- Phone location services on if the app asks (some banks require the customer to be in India)
Timing
Video KYC is usually available during the bank's working hours. Some banks offer extended hours. Customers should check before starting.
Common failure reasons
- Unclear face or background light
- Photocopy instead of original PAN
- Network drops
- Customer not physically present or someone else answering
- Location outside India when required
Genuine vs fake video KYC
Genuine video KYC:
- Starts from the bank's official app or website
- Never asks for OTPs to "complete KYC" on a separate phone call
- Never asks for debit card PINs or passwords
Fake "KYC update" calls are a common fraud. If unsure, the customer should open the bank's official app instead of following a caller's instructions.
How partners can help
- Send a short preparation message after the customer applies.
- Remind them to complete video KYC within the allowed time.
- Never join the call or answer questions for them.
A short example
Pooja finishes her application at 8 pm, but video KYC slots have closed. She does it the next morning at 10 am, in good light with her original PAN. The call takes four minutes, and her account is upgraded to full KYC the same day.
Questions customers ask
"Is my video recorded?"
Banks may record video KYC sessions as part of compliance.
"What if the call drops?"
Usually the customer can restart or reschedule.
Key points to remember
- Video KYC upgrades an account to full KYC from home.
- Original PAN, good light and stable internet are essential.
- Use only the bank's official app or website.
- Never share OTPs or PINs on calls.
- Only the account holder may appear on the call.
Summary
Video KYC is convenient and secure through official channels. A little preparation helps customers pass the first time. Read documents needed for a savings account.
Accessibility and comfort tips
Some customers feel nervous on camera. Suggest they practise holding the phone steady at eye level, keep the PAN card within reach, and remove caps or sunglasses. For elderly customers, a family member can help set up the phone and stay nearby, but the customer must answer the questions personally.
After video KYC
Once full KYC is complete, the customer may notice higher limits and additional features unlocked in the app. Encourage them to set up a strong app PIN, enable alerts and add a nominee if they skipped it during opening. These small steps make the new account safe and complete.
If video KYC keeps failing
If repeated attempts fail, the customer can contact the bank's official support or visit a branch to complete KYC in person. There is always an alternative; there's never a need to let anyone else attempt it.
Frequently asked questions
Can I do video KYC at night?
It depends on the bank's video KYC hours; many operate during working hours.
Can someone else do video KYC for me?
No. Only the account holder can complete it.
This article is general information, not financial, legal or tax advice. Earn MUFAD is not a bank, broker, lender or insurer. Earnings depend on approved results under each campaign's terms; there is no guaranteed income.