How to Open an IPPB (India Post Payments Bank) Account Online: A Step by Step Guide


The India Post Payments Bank (IPPB), a government-backed initiative under India Post, offers a range of simple and secure banking services. One of the most convenient features is the ability to open a digital savings account online, right from your mobile phone—without visiting a post office.

In this article, we’ll walk you through how to open an IPPB account online in just a few easy steps.

✅ Eligibility Criteria

Before you begin, make sure you meet the following:

  • You must be an Indian resident with valid documents.

  • You must be 18 years or older.

  • You need a valid Aadhaar number linked with your mobile number.

  • A smartphone with internet access is required.

ЁЯУ▓ Steps to Open IPPB Account Online

Step 1: Download the IPPB Mobile App

  • Go to the Google Play Store (for Android) or App Store (for iPhone).

  • Search for "IPPB Mobile Banking App".

  • Download and install the official app published by India Post Payments Bank.

Step 2: Select “Open a New Account”

  • Open the app.

  • On the home screen, tap on “Open a Digital Savings Account”.

Step 3: Enter Aadhaar Details

  • Enter your 12-digit Aadhaar number.

  • Accept the terms and conditions.

  • Tap on “Proceed”.

⚠️ Your mobile number must be linked with Aadhaar to receive the OTP for verification.

Step 4: Complete e-KYC

  • An OTP (One-Time Password) will be sent to your Aadhaar-linked mobile number.

  • Enter the OTP for verification.

  • Your identity will be validated through the UIDAI database.

Step 5: Fill in Personal Details

  • Provide details like:

    • Full name

    • Gender

    • Date of birth

    • PAN number (optional but recommended)

    • Nominee information

  • Confirm your address (as per Aadhaar).

Step 6: Set Your Account Preferences

  • Choose your preferred post office branch.

  • Create a 4-digit MPIN for app login and transactions.

Step 7: Account Created!

  • You will receive a confirmation message.

  • Your IPPB digital savings account is now active.

  • You can log in using your mobile number and MPIN.

ЁЯТб Benefits of IPPB Digital Account

  • Zero balance account (no minimum balance required).

  • Free money transfers, bill payments, and mobile recharges.

  • Link your account with POSA (Post Office Savings Account).

  • Use QR card for secure transactions (delivered after KYC).

ЁЯФД Convert to Regular Account (Optional)

The digital account is valid for 1 year. To continue using it beyond that:

  • Visit your nearest post office with your PAN and Aadhaar.

  • Complete full KYC verification.

ЁЯУЭ Conclusion

Opening an IPPB account online is a fast, hassle-free process that brings the power of banking to your fingertips. Whether you're in a city or a rural village, the IPPB mobile app helps you access secure banking with ease—right from your smartphone.

ЁЯУО Useful Links


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