How To Activate Airtel Payment Bank’s Dormant Account

If you haven’t used your Airtel Payment Bank account for several months, it may become dormant. This means you won’t be able to withdraw or deposit money, or use your account balance for recharges and payments. This post will guide you on how to reactivate your dormant Airtel Payment Bank account.

Why Your account become Dormant?

As you are facing issues because of the inactive account, you ust understand the reason behind this. So that, you don’t face such situation in the future.

1. No Transaction

Your account becomes dormant if you do not perform any credit or debit transactions for 24 months. This rule applies to all banks and is a regulation set by the Reserve Bank of India (RBI).

For the purposes of this rule, a “credit” refers to a deposit of any amount initiated by you or on your behalf, either manually or through automated systems controlled by you. This includes deposits made by yourself, another person , or automated systems you have set up (e.g., salary credit from your employer).

However, it does not include credits automatically deposited by the bank, such as interest or subsidies.

Similarly, automatic deductions for charges like SMS or debit card fees are not considered transactions initiated by you and will not prevent your account from becoming dormant.

When you don’t perform any transactions on your bank account for a continuous period of 2 years (24 months), the bank classifies it as dormant.

2. Zero Balance for Long Time

Airtel Payment Bank, like other payment banks, doesn’t penalize you for having a zero balance. In fact, all payment banks are required to offer zero balance accounts.

However, keeping your account inactive with no transactions for six months will cause it to become dormant. This is done as a precautionary measure to prevent misuse of such accounts.

What Can You Do with Dormant Account

While a dormant account has certain limitations, you can still manage it and access some key information.

Restrictions

• Withdrawals: Cash withdrawals from ATMs are unavailable.
• Online Transactions: Internet banking transactions are not permitted.
• UPI Payments: Making UPI payments through apps like PhonePe, Google Pay, and Paytm is not possible.
• Deposits: Depositing money through offline or online channels is not allowed.

Available Actions

• Account Balance: You can check your current account balance.
• Statement Download: Download your bank account statement for reference.
• UPI Linking: You can Link your account to UPI apps for future activation and use.

Requirements to Activate the Dormant/ Blocked Airtel Payment Bank Account

Reactivating your dormant account involves two simple steps:

1. Submit a reactivation request

• Fill out an application requesting to activate your account and briefly explain the reason for dormancy.
• Be sure to include your complete account details in the application for easy reference.

2. Update your KYC information

• Provide updated copies of your address and identity proof (e.g., passport, driver’s license, Aadhaar card).
• Submit a recent passport-size photograph.

2 Ways of Account Activation Process

There are two ways to activate the Airtel Payment bank dormant account.

1- Online Application

To activate your Dormant account you can send your application online as well.

• The address to send the mail is wecare@airtelbank.com
• In the subject line of your application, You must mention your account number.
• You must also attach your Aadhaar copy along with the Application.

Note, this method may take up to one week. To check the status of the application you can contact the customer care.

2. Activation Through the Airtel Payments Bank Banking Point

You can also visit the Airtel banking point for the activation of the Dormant account. You can find the banking points through the Airtel Thanks app or through the website. Next, follow these steps at the banking point.

• Write an application to activate your account.
• You don’t require a document for this method. You have to only give your aadhaar number for the activation.
• The Airtel store would complete the e-KYC process instantly. It is done by authenticating with your fingerprint.
• This process is very fast and your account gets activated instantly.

How To Close Airtel Payment Bank Account

Since you haven’t been using this bank account, you might want to consider closing it. However, Airtel has made this process quite challenging, as there is no readily available link or information on how to close an Airtel Payment Bank account.

To initiate the account closure, you can only do so by sending an email to the Airtel Payment Bank customer care at wecare@airtelbank.com.

In the email, clearly state your wish to close the account, and don’t forget to include the account number for reference. Additionally, make sure to attach a copy of your Aadhar Card along with the email.

By following these steps, you can begin the process of closing your Airtel Payment Bank account.

Please note that response times and specific requirements may vary, so it’s best to keep track of any communication from the bank regarding the closure.

Benefits of Airtel Payment Bank

So now if you have activated the Payment Bank Savings account, you may avail of different types of benefits. Some of them are-

• With the payment bank service, you may add money in your wallet from your bank account.
• You may transfer funds to other payment bank users and bank accounts.
• This service is available through IMPS or NEFT using IFS code AIRP0000001.
• You can withdraw hard cash from your payment bank at Airtel Banking Point. This is just like an ATM.
• You may pay utility bills and can do other functions as well.
• Atal Pension Yojana facility is also available.

Currently, Airtel Thanks App (old name My Airtel App) is only for Airtel prepaid, postpaid and broadband customers. It means if you are not an Airtel subscriber you can not use the services of Airtel. To use the services of Airtel Thanks App firstly you have to switch to Airtel.

However, the Airtel Payment Bank facility is available for all customers. You can also activate Airtel Payment Bank as a non Airtel user. But you would have to go Airtel Banking Point along with your mobile number and necessary documents.