There were few complains regarding SMAB charges in ICICI bank. Most of the complaints came from customers who had their salary account in the first place and due to inactivity or not being credited for a few months, converted back to savings account. Have you even noticed Smab charges deduction in salary account?

These account holders haven't received any particular information about the conversion of salary account to savings account. Thereby losing many facilities.


The major facility for salary accounts were zero minimum balance. The salary account can have zero money in the account and the service charge for minimum money for the normal accounts will not be applied. However due to the conversion from Salary Account to Savings Account, this zero balance facility is lost.

ICICI bank will start deducting money from account if the account do not have a fixed minimum account.  Read the post onHow SMAB charges Wreck Your Savings Account in ICICI Bank?.

This service charge is called SMAB charges. Usually it is 393 rupees per month. The customers are not getting any SMS regarding this deduction.

If there are no credits to your salary account for few months, it would be better if you can contact respective branch and ask whether your salary account has converted into savings account. If yes, then ask for the minimum balance to be kept in the account and levied charges for not keeping minimum balance.

If already money is debited from your account, Kindly read below posts.


To know more about SMAB charges, read my post: What is SMAB Charges in ICICI Bank Means?

To know what can the customer do if money gets deducted by SMAB charges, read the post: Think Twice Before Taking Account in ICICI bank


You can contact https://twitter.com/ICICIBank_Care for resolving your queries.

If your Bank is HDFC, kindly read this

Money Deducted from Accounts for AMB (SMAB) Charges in HDFC Bank, Means?


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