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*Note: The online service to open 3-in-1 Account will be available soon for new to bank customers. If you want to open a 3-in-1 account now, please click on the ‘New Customer’ button above and our Bank representative will get in touch with you. For more details, contact Customer Care at 1800 1080

BEST FOR

​​​Invest, Grow and Save your funds

  • Zero Opening Charges

  • Expert Stock Advice

  • Theme-Based Baskets

  • Easy IPO Investment

How to Apply

*Note: The online service to open 3-in-1 Account will be available soon for new to bank customers. If you want to open a 3-in-1 account now, please click on the ‘New Customer’ button above and our Bank representative will get in touch with you. For more details, contact Customer Care at 1800 1080

About 3-in-1 Account

All-in-One Account for Seamless Investing

ICICI Bank’s 3-in-1 Account combines a Savings Account, Demat Account, and Trading Account into a single integrated solution. It allows you to invest, trade, and manage your funds efficiently, without the hassle of transferring money between platforms. Join 7.5 million+ customers already enjoying this seamless investment experience

Quick, Paperless Application Journey

Opening a 3-in-1 Account is a 100% digital and paperless process for existing ICICI Bank customers. The process is intuitive, secure, and can be completed from the comfort of your home

Eligibility & Documents You’ll Need

To apply, you must be an Indian resident with a valid PAN, Aadhaar (linked to DigiLocker), and a registered mobile number. You'll also need:

  • A valid email ID
  • Internet access for eKYC and verification
  • Live photo and digital signature (eSign) 

New-to-bank customers will soon be able to apply online or can request a callback for offline support

Smart Investment Features with Expert Support

With One Click Equity, you can invest in curated baskets of stocks and ETFs based on specific themes like sectoral trends or market outlook. These are designed by experts and can be tracked and exited anytime. You also get access to:

  • IPO investments
  • Real-time performance tracking
  • Flexible SIP or lump sum options
  • Advanced research tools like iLens
  • Perfect for beginners and seasoned investors alike

Benefits of 3-in-1 Account
  • Instant Payout: Get funds in your account within 5 minutes of selling shares—no need to wait for T+1 days
  • Expert Research: Receive exclusive stock recommendations with buy price, target, and stop loss from ICICIdirect advisors
  • Buy Now, Pay Later: Access funds from ICICIdirect to invest instantly, even when short on cash
  • Low Brokerage: Save more with brokerage as low as 0.07% under the ICICIdirect Prime plan

 FAQs

What is a 3-in-1 Account?

A 3-in-1 Account is a unique offering by ICICI Bank and ICICIdirect, combining a Savings Account, Trading Account, and Demat Account into one seamless platform. It enables easy, secure, and integrated online investing and trading.

What are the advantages of a 3-in-1 Account?

Key benefits include:

  • One-time account setup for savings, trading, and demat needs
  • Trade in equities, F&O, mutual funds, IPOs, and insurance in one place
  • Accessible across web, mobile app, and Call-N-Trade
  • Multiple brokerage plans to suit investor needs
  • E-ATM: Get funds credited to your bank account within 5 minutes of share sale
  • Buy Now, Pay Later: Invest even when funds are short with margin support

What are the features of a Trading Account?
  • Seamless Trading: Buy and sell without writing cheques or dealing with settlement hassles
  • Secure Funds: Manage your own linked Savings and Demat Accounts—no transfer to broker pool accounts
  • Wide Product Range: Trade across NSE/BSE, access Margin, BTST, Derivatives, Mutual Funds, and IPOs
  • Precise Execution: Place trades for exact amounts without deviation
  • Real-time Tracking: Use portfolio tracker, watchlists, and SMS alerts to stay updated
  • Advanced Research Tool: Use iLens to screen stocks based on custom trends or criteria

How do you start online investments?

To start investing:

  • Open a 3-in-1 Account (Savings + Demat + Trading)
  • Ensure a sufficient balance in your linked Savings Account
  • Choose a suitable brokerage plan (e.g., ICICIdirect Prime plan)
  • Start investing online through the ICICIdirect platform

What is the difference between a Demat Account and a Trading Account?

Aspect

Demat Account

Trading Account

Purpose

Holds shares/securities in electronic form

Used to buy and sell shares on the stock market

Function

Acts like a digital locker

Acts like a transaction platform

Part of 3-in-1

Yes

 Yes

Together with a Savings Account, these form the 3-in-1 Account.

What are the charges for opening an ICICIdirect 3-in-1 Account?
  • Account Opening Charges: Nil for Trading and Demat Accounts
  • Demat AMC:

                •1st Year: Free

                •From 2nd Year: ₹700 + taxes per year

                •​​​​BSDA (Basic Services Demat Account): No AMC for holdings up to ₹4,00,000

Multiple ICICIdirect Prime plans are available to choose from for brokerage and maintenance benefits.

T&Cs apply.

Disclaimer

PROCEED