Activating your Dormant Account

Frequently Asked Questions

What is an Inactive Account?

As per RBI guidelines, if there are no customer induced transactions in the account for a period of over one year, the account is tagged as “Inactive”.

What is a Dormant /Inoperative Account?

As per RBI guidelines, if there are no customer induced transactions in the account for a period of over two years, the account is tagged as “Dormant/Inoperative”.

What is a Customer Induced Transaction?

The transactions in account which are in the nature of:

  1. a financial transaction initiated by or done at the behest of the account holder by the bank/ third party (an descriptive list is given in Annexure I) or;
  2. a non-financial transaction, or;
  3. KYC updation done in face-to-face physical mode or through digital channels such as internet banking or mobile banking application of the bank.
What is a Financial Transaction?

A monetary transaction in the savings/ current account of the customer with the bank either by way of a credit or debit transaction.

What is a Non-Financial Transaction?

An enquiry or request for any product/ service initiated by the account holder through any ATM or internet banking or mobile banking application of the bank or through Third Party Application Providers, which requires two-factor authentication (2FA). Illustratively, this includes transactions such as change in transaction limit, request for issue of cheque book/ credit card/ debit card, nomination facility, balance enquiry, etc.

What do I need to do to re-activate my Dormant/Inoperative savings account?

All you need to do is submit a self-attested copy of the following KYC documents at the nearest DBS Branch:

  1. One (1) latest passport-size photograph
  2. PAN Card or Form 60
  3. One (1) of the following Official Valid Documents (OVD):
    • Aadhaar
    • Passport
    • Driving License
    • Voters ID

As per RBI guidelines, there will not be any charges for activating a dormant bank account.

To locate a DBS Branch near you, click here.

What happens if I don’t submit the documents?

If you don’t submit the documents, your account will continue to be frozen. In such a scenario, you won’t be able to perform any transactions from your account or use your Debit Card for any purchases.

Why is your account dormant and how to make it active I DBS Bank Quickies 14/14

Annexure I

Financial Transactions

  1. ATM/ Cash withdrawal/deposit
  2. RTGS / NEFT/ IMPS /UPI/ AePS/ ABPS Transactions
  3. Internet Banking Transactions
  4. Debit Card Transactions
  5. Transfer of funds from / to the linked CBDC(e-Rupee) account
  6. Cheque Clearing
  7. Remittance of funds by way of demand drafts
  8. Cash withdrawal by third party through cheque
  9. Standing Instructions issued by the customer
  10. NACH Debit / Credits
  11. Term Deposit Interest / proceeds
  12. Dividend on shares/Interest on Debentures or any other investment proceeds
  13. Direct Benefit Transfer (DBT) credits
  14. Refunds like refunds related to e-commerce payments, Income Tax Returns, etc.
  15. National Electronic Toll Collection (NETC) debits


Bank Induced Transactions

  1. All types of charges levied by banks including taxes deducted
  2. Savings Bank account interests

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