A Complete Guide on How to Transfer Bank Account to Another Branch

05^th Nov 2025...

Published By : 811

Key Takeaways

A savings account can be transferred easily between branches of the same bank without changing the account number, debit card, or transaction history.
Transfers can be initiated online through internet or mobile banking by selecting the “Change Branch” or “Transfer Account” option and verifying with an OTP.
Offline transfers require visiting the current branch, filling a transfer form, and submitting ID and address proofs for verification.
Only the branch code and IFSC change after transfer; all linked services like standing instructions, EMIs, and auto-debits remain active.
For joint accounts, all holders must sign or approve the transfer request.
KYC details such as Aadhaar, PAN, and address should be updated beforehand to ensure smooth processing.
Online transfers are usually completed in two to three working days, while offline requests may take up to a week.

Life moves fast. You may switch jobs, relocate to a new city, or simply want to bank closer to where you live or work. In such cases, transferring your savings account to a nearby branch can make everyday banking much more convenient.

The good news is that the process today is quick and effortless. You don’t need to close your existing account or open a new one — your account number, balance, debit card, and banking history remain intact. Whether you prefer visiting the branch or using your bank’s digital services, both options are easy to follow.

This guide walks you through how to transfer bank account to another branch, both online and offline, and highlights everything you should know before you start.

Why You Might Need to Transfer Your Account

There are several reasons customers choose to transfer their savings account to another branch:

Relocation: Moving to a new city or neighbourhood and wanting a branch nearby.
Change in workplace: A new office location may make your current branch inconvenient.
Better accessibility: Some branches offer more convenient timings or additional facilities.
Service preferences: You might prefer interacting with a specific branch team.

Whatever the reason, the transfer process is simple and can be completed in just a few steps.

How Does the Transfer Work?

Earlier, transferring a savings account meant closing the existing one and opening a new account — often leading to a change in account number and updated paperwork. Today, that’s no longer necessary.

With digital banking systems, you can transfer your account within the same bank seamlessly. Your account number, debit card, and standing instructions remain unchanged. Only the branch code and address linked to your account are updated.

This makes the process faster, paperless, and completely secure.

How to Transfer Bank Account to Another Branch Online

The easiest and most convenient way to transfer your account is through online banking. Here’s how to do it:

Step 1: Log in to Internet or Mobile Banking

Use your existing credentials to log in to your bank’s net banking portal or mobile app. Ensure your registered mobile number is active for OTP verification.

Step 2: Find the ‘Change Branch’ Option

Navigate to Service Requests, Account Settings, or Customer Service. Choose the option that says Change Home Branch or Transfer Account to Another Branch.

Step 3: Select the New Branch

Search for the new branch by entering the city name or IFSC code. Verify the address carefully before proceeding.

Step 4: Confirm and Submit

Review your current and new branch details, authenticate with an OTP, and submit your request.

Step 5: Receive Confirmation

You’ll get a confirmation message once your transfer is complete. The process usually takes two to three working days.

Tip: Before you initiate the transfer, make sure your contact information, especially your address, mobile number, and email is updated. This helps avoid any delays in processing.

How to Transfer Bank Account to Another Branch Offline

If you prefer visiting a branch or can’t access online banking, you can also complete the transfer offline.

Step 1: Visit Your Current Home Branch

Carry a valid identity proof such as Aadhaar, PAN, or Passport, along with your passbook or debit card.

Step 2: Fill Out the Transfer Request Form

Ask for the Account Transfer Request Form and fill in details like your name, account number, and the branch you wish to transfer to.

Step 3: Submit Documents

Attach a self-attested copy of your ID proof and, if you’re moving to another city, address proof for the new location.

Step 4: Verification and Processing

The bank verifies your request and initiates the transfer. Once complete, you’ll be informed through SMS or email.

Offline transfers may take a few extra days compared to online ones, but they follow the same secure process.

Points to Remember

Your account number remains the same: You can continue using your existing cheque book and debit card.
Ensure KYC compliance: Keep Aadhaar, PAN, and address details updated.
All linked services remain active: Auto-debits, standing instructions, and EMI payments continue without disruption.
Joint accounts: All account holders must sign the request form or approve the transfer online.
IFSC code changes: Only the branch IFSC changes to match the new location.

These checks ensure a seamless transfer without interruptions in your daily banking.

Also Read: Bank Account Number - How to Find Your Account Number?

How to Check the Status of Your Transfer

If you submitted your request online, you can track it through the Service Requests section of your bank’s net banking portal or mobile app. Most banks also send SMS or email alerts once the process is complete.

For offline transfers, you can contact your new branch after three to five working days to confirm that your account has been successfully moved.

Updating Your Address After Transfer

If you’ve moved to a new location, update your address separately even after the branch transfer.

Submit:

A self-attested copy of your new address proof (Aadhaar, utility bill, or rental agreement).
A written request or online update through your net banking or mobile app.

This ensures you continue receiving important communication and physical correspondence like debit cards or cheque books without delay.

Final Thoughts

Transferring your savings account to another branch is a simple, one-time process that helps you stay connected with your bank wherever you go. You can complete the transfer online through net banking or offline at the branch, both methods are secure and straightforward.

Before initiating the transfer, ensure that your KYC details and contact information are up to date. Once your request is processed, your account remains fully functional with the same number, debit card, and linked services.

With Kotak 811, you can enjoy the same flexibility and convenience digitally. From transfers to updates, everything is available online to make banking simpler, smarter, and entirely in your control.

FAQs on Transfer Bank Account

1. Can I transfer my savings account to another branch in a different city?

Yes. You can transfer your account to any Kotak Mahindra Bank branch across India, even if it’s in a different city.

2. How long does it take to transfer the account?

Online transfers are usually completed within two to three working days. Offline transfers may take up to a week.

3. Will my account number or debit card change after the transfer?

No. Your account number and debit card remain the same. Only the branch details and IFSC code are updated.

4. Can I transfer a joint account?

Yes. For joint accounts, all account holders must sign the transfer form or approve the request online.

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This Article is for information purposes only. The views expressed in this Article do not necessarily constitute the views of Kotak Mahindra Bank Ltd. (“Bank”) or its employees. Bank makes no warranty of any kind with respect to the completeness or accuracy of the material and articles contained in this Newsletter. The information contained in this Article is sourced from empanelled external experts for the benefit of the customers and it does not constitute legal advice from Kotak. Kotak, its directors, employees, and contributors shall not be responsible or liable for any damage or loss resulting from or arising due to reliance on or use of any information contained herein.