Saving is good. Saving smartly is even better.

Open Baroda Zero Balance Saving Account and get attractive benefits.

  • Key Features
  • Eligibility
  • Supporting Documents Required
  • Identification Documents Required
  • Fees and Charges
  • Interest
  • Terms & Conditions

Baroda Zero Balance Saving Account is a saving account ideal for micro finance beneficiaries, low income wage earners, workers in non organised sector and student. This is one of the basic and flexible deposit options for individuals with Passbook Facility suitable for Micro Finance customers.

  • No Limit on number of Deposits
  • No Minimum Balance
  • No Cheque Book
  • Free e-Statement (Monthly Once)
  • No minimum and maximum period
  • Free paper withdrawals
  • Free Passbook
  • Individual (Singly or Jointly) including minors

As required under FTR Act & Customer Due Diligence

Customer to provide documents in support of following

    • Name of Customer
    • Permanent Residential Address in Fiji
    • Date of Birth
    • Occupation , Business , Service or Princial Activity
    • Citizenship
    • Source of Funds

    Non Residents / Non-Fiji Citizens
    • Name of Customer
    • Permanent Residential Address in Fiji
    • Date of Birth
    • Occupation , Business , Service or Princial Activity
    • Citizenship
    • Source of Funds
    • Current and valid Passport or any other travel document issued by a foreign government or recognised international Organisation
    • Current and valid Work, Business or Other Permit or Visa issued by the Fiji Immigration Department
    • Current and valid Employment or Student Status Document issued by the Customer’s Employer or the Education Institute in Fiji.
    • Any other document stipulated by regulatory agencies from time to time.

    For PEP Account (Following Information needs to be provided)
    • Name of Customer in Full
    • Details of Position holds lds or has held a senior government, political or military position
    • Title of Position held
    • If held in Past (From - Upto)

Compulsory Documents to be submitted

  • Tax Identification Number (Tin Letter)
  • A valid Joint Fiji Revenue and Customs Authority & Fiji National Provident Fund ID card
  • Birth Certificate issued by the Births, Deaths & Marriages Registry.
  • In case of married women, Marriage Certificate along with Photo Identity of the Groom & Address Proof is must, if Account is to be opened in name with Groom’s Name)
  • Two Latest Colour Photograph
  • Atleast -1- Document each from List A (FTR Regulations 8(1)) & List B (FTR Regulations 8(2)
List A (FTR Regulations 8(1))  
LIST – I (Latest/ recent photo identification documents)
  • Valid Passport
  • Birth Certificate
  • Marriage Certificate
  • Citizenship Certificate
  • Valid Driving Licence
  • Valid Fiji National Provident Fund membership card;
  • The FIU has determined that the following maybe be used as a identification documents :
  • (*) Letter of reference or certification by a suitable third party.

    (*) Certificate of Registration in the Vola Ni Kawa Bula

List B (FTR Regulations 8(2)  
LIST – II (Latest / recent
documents showing
address proof)
  • Bank statement or account statement issued by another financial institution if the person previously transacted with a bank or financial institution and that bank or financial institution had confirmed the person’s identity (Not Older than 3 Months)
  • Valid Tax Identification Number and acknowledgement from Fiji Islands Revenue and Customs Authority;
  • Notice of taxation assessment by the Fiji Islands Revenue and Customs Authority;
  • Utility Bill for Electricity, Water, Telephone or other similar services issued by the authority responsible for the supply of such services - (Not Older than -3- Months)
  • Municipal Business Licence Certificate or Municipal Rates Statement or Invoice;
  • Mortgage / Loan Account Statement from another financial institution;
  •  Cellular Phone / Television Account Statement;
  • Long-term or short-term insurance policy document issued by an Insurance Company;
  • Motor Vehicle license or registration document;
  • Land or other property ownership document or title;
  • Employment Identification Card or a Letter from the Employer;
  • Pay or salary slip;
  • Identification card issued to a student at a tertiary or technical education institution;
  • Verification by a suitable referee to the satisfaction of bank. (For Current Account)
Issue of Balance Certificate
 $10.00 per Certificate

Issue of Detailed Certificate
$50.00 per Certificate

Search Fees
$30.00 per search

Duplicate Passbook - Zero Bal
$5.00 per book

Duplicate Statement Fees
$5.00 per page Computer Printout
$7.50 per page statement

Issuance of Deposit Book (Counterfoil)
 $5.00 per Book of 100 deposit slips

Issuance of Deposit Book (Duplicate)
 $7.50 per Book of 100 deposit slips

Issuance of Deposit Book (Triplicate)
$10.00 per Book of 100 deposit slips


Collection of Cheques fees
$0.40 per instrument

Special Answer Fee
$25.00 per instrument

1. Interest is calculated and applied on a monthly basis on the minimum balance during the month.
2. Interest is credited in the account at the end of every month.
3. Resident Individual Withholding Tax (RIWT) will be applicable as per FRCA guideline.
4. For interest rate, please click here.

  • The account will be classified to Dormant if there is no customer induced transactions in the account for 12 months. Once the account is classified as dormant the customer induced transactions in the account are permitted on submission of written request by the customer to the branch where account is maintained along with personal ID, address proof and other documents required to fulfil KYC guidelines.
  • For closure of account user is to request for account closure in writing to the branch where account is maintained.
  • Standing Instructions not allowed.
  • No ATM Card facility
  • For Clarification or any other information please contact any of our branches in Fiji.
  • Terms and Conditions apply
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