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.

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.

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.

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.

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.

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.

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.