If you're relocating to another city or even moving locally within the same city, there's good news—transferring your savings account to a new bank branch has become easier than ever, thanks to online services offered by banks like SBI, HDFC, ICICI, and Kotak Mahindra Bank. But before initiating a branch change, here are 5 important things you must know to avoid disruptions in your banking services.

✅ 1. Can You Transfer Your Bank Account Online?

Yes, many major banks now allow online branch transfer of your savings account.
Here’s how it works:

• Log into your net banking or mobile banking portal.

• Fill out the branch transfer form online.

• Once the request is processed, your IFSC code will change based on the new branch.

⚠️ Caution: Since IFSC is tied to auto-debit mandates (like EMIs, SIPs, utility bills), make sure to update those services after the transfer to avoid failed payments.

🚫 2. When Can You NOT Transfer an Account?

Branch transfer is not allowed in the following situations:

• If KYC is incomplete (missing Aadhaar, PAN, etc.).

• If the account is inactive or frozen (no transactions for 2+ years).
  

  In such cases, you’ll need to update your KYC or reactivate the account before requesting a transfer.

🔄 3. Update Auto-Payments & Linked Services

When your account moves to a new branch:

• Your old IFSC code becomes obsolete.

• All auto-linked payments like SIPs, EMIs, NACH mandates, or standing instructions must be updated.
  Failing to do so can result in missed payments or penalties.

📑 4. Documents Required for Transfer

Even for online transfers, banks may ask for verification documents, especially if requested offline. Keep the following handy:

• ID Proof (Aadhaar, PAN, Passport, or Driver’s License)

• Address Proof (utility bill, rental agreement, Aadhaar)

• Account Details (passbook or recent statement)

• Cheque Book (if issued previously)

Some banks may not ask for physical documents for online requests, but it’s good to keep soft copies ready.

🔐 5. What Happens to Bank Lockers?

Locker facilities do not transfer automatically with your savings account.

• If you have a locker in your current branch, you must close it and apply for a new one at the new branch.

• Locker availability is limited, so check with the new branch beforehand to avoid inconvenience.

📝 Quick Summary Table

Switching cities or homes shouldn't disrupt your banking. With digital services, transferring your savings account is now just a few clicks away, but don’t forget to update your payment mandates, keep documents ready, and plan ahead for locker changes if needed. A little attention now can save a lot of hassle later.