ONIX Bank

Banking &beyond, inone app.

Your bank, redefined. Daily banking, UPI, savings, investing and an AI assistant. Sign up free in a tap.

Download the app
Personal account
₹1,42,860
SendScanSaveInvest
ONIX AI: You spent 12% less on food this month.
Vault
64%of trip goal
Goa trip+₹38 interest today
Salary sorted40% bills · 20% save

Your salary, sorted before you spend it.

Spaces split every credit into bills, savings and spending. Drag the sliders to try it on ₹85,000.

Move your salary
0
MSMEs across India to serve
0
to open an account
24/7
in-app support and AI help
0
features in one app

Life, meets savings.

Grow your money with interest paid daily on instant-access vaults. Pick a goal.

Explore savings
Goa trip
64%of goal
Saved ₹64,000Goal ₹1,00,000
+₹38 interest todayOn track for 4 months

Elevate your spend.

Earn points on every purchase and redeem them for travel and rewards. Higher plans earn faster.

Standard

1 point per ₹200 spent

ONIX•••• 4821

Plus

2 points per ₹200 and free ATM

ONIX Plus•••• 7310

Premium

3 points per ₹200 and lounges

ONIX Premium•••• 0095

Go virtual.

Create a card in seconds and add it to your phone wallet to pay right away.

Virtual card•••• 4821

Ask, and ONIX AI makes it happen.

Your assistant, 24/7. Open the app, swipe and ask about spending, bills or any payment.

Learn more
ONIX AI

Your money's safe space.

Fraud checks, always on

Every payment is checked before it leaves your account.

Lock your card instantly

Freeze and unfreeze from the app in one tap.

Biometric login

Fingerprint or Face ID, so only you can open the app.

Explore stocks and funds.

Start with ₹100. Buy stocks, ETFs and SIPs with low fees. Capital at risk.

Try it out
Watchlist · sample data

Everything under Personal.

Accounts, cards, protection, investing and more. Open any product to see how it works.

Choose your plan.

Sample pricing for illustration.

Standard

Free

For the financial basics.

  • UPI and bill payments
  • 1 virtual card
  • Spaces
Learn more

Plus

₹149/month

For the smart spender.

  • Higher savings interest
  • Purchase protection
  • Free ATM withdrawals
Learn more

Premium

₹499/month

For elevating every day.

  • Travel insurance
  • Airport lounges
  • Best savings rates
Learn more

Join people who bank on ONIX.

Download the app and open your account in two minutes.

Download the app

Get the app

More in

Everything in one app.

Open your account in two minutes and add products as you need them.

Download the app

Businessbanking thatdoes your books.

Current accounts, payments, GST, payroll and an AI CFO for Indian MSMEs. One account, no spreadsheets.

Business account● Live
₹24,86,420
PayInvoicePayrollGST
AI CFO: Friday's payroll is covered with 18 days of runway.
Forecast
Next 12 weeksCash-positive
Late invoiceKiran Textiles, 12 days
GSTR-3BDue in 6 days, draft ready
₹62,300 GST is already set aside.
0
to open an account
0
vendors paid in one approval
0
bank entries matched in a sample month
1 app
for banking, GST and payroll

Pay and get paid, in one flow.

Upload bills or let AI read them. Approve once and ONIX picks the date that keeps cash safe.

Payables

Know your cash 90 days out.

Change the scenario and watch the forecast move. Hover the line for the exact week.

Cash balance, ₹ lakh
AI

Ask your AI CFO

Everything your business spends and earns.

Bulk payouts

UPI, NEFT and RTGS for every vendor, approved once.

UPINEFTRTGS

Collections

Payment links, QR and virtual accounts matched to the right invoice.

LinksQRVirtual accounts

Team cards

Virtual and physical cards with limits per person.

VirtualPhysicalLimits

GST and TDS

Tax is set aside from every receipt, so filing day is calm.

GSTR-1GSTR-3BTDS

Payroll

Salaries, reimbursements and statutory payouts from one balance.

PFESIPayslips

Credit

Working-capital offers from your real cash flow, not collateral.

OverdraftInvoice financing

Agents working while you sleep.

Reconciliation, collections, compliance and fraud checks run all day on your live bank data. This is a simulated feed.

    Get your evenings back.

    Illustrative: 12 minutes per invoice by hand, 2 with ONIX, at ₹400 an hour.

    You save 50 hours a month, worth
    ₹0
    a year

    Everything under Business.

    Accounts, payments, spend, treasury, AI CFO and more. Open any product to see how it works.

    Choose your plan.

    Start free. Upgrade as you grow. Sample pricing for illustration.

    Starter

    Free
    • Business current account
    • UPI and NEFT
    • 1 virtual card
    • Basic AI CFO
    Get started

    Growth

    ₹999/month
    • Bulk payments and payroll
    • GST auto-reserve
    • 10 team cards
    • Cash forecast
    Choose Growth

    Scale

    ₹2,999/month
    • Full AI CFO
    • Credit and invoice financing
    • Unlimited cards
    • Accountant workspace
    Choose Scale

    Enterprise

    Custom
    • API and ERP links
    • Dedicated manager
    • Custom limits
    • Multi-entity
    Talk to us

    Put your finance team on autopilot.

    Open an account in two minutes. The AI CFO starts on day one.

    Open a business account

    Money skillsstart early.

    A parent-controlled account with a card, pocket money and spending limits.

    Open a Junior account
    ONIX Junior
    ₹2,150
    SpendSaveGiveLearn
    Pocket moneyWeekly
    +₹500
    Book storeCard
    −₹320
    Cycle fund: 43% saved.

    How long to reach the goal?

    Goal: a ₹8,000 cycle. Set the weekly pocket money and the share saved.

    32 weeks

    Parents stay in control

    Set limits, lock the card and see every payment instantly.

    Pocket money on schedule

    Weekly allowances and rewards for chores.

    Goals that grow

    Kids set a goal and watch the bar fill.

    0 featuresin one account.

    Banking, an AI CFO, credit, insurance, wealth, trading and deals on the same live data. Pick one to see it work.

    The bank anMSME's CFOwould build.

    Banking and accounting together for Indian businesses, run by an AI that saves hours and unlocks credit.

    MVP ready100 businesses on the waitlistSeed: ₹5 Cr for 10%
    Why this wedge
    1MSMEs juggle a bank portal, accounting software, GST and WhatsApp.
    2The accountant picks the tools, so the accountant comes first.
    3Cash-flow data unlocks credit in days. That is where revenue is.
    Connect, then fund, then bank.

    Play with the revenue model.

    Change the assumptions. This shows the mechanics and is not a forecast.

    Annual revenue at this scale
    ₹0

    Credit yield, 0.15% on payments volume and ₹999 a month plans. Assumptions are adjustable and illustrative.

    How the business compounds.

    1Connect

    Free AI CFO and a partner workspace for accountants.

    2Fund

    Working capital for manufacturing and trading MSMEs, closed in weeks.

    3Bank

    Payments, cards and the full account follow the data.

    4Scale

    Co-lending, then an own NBFC. M&A and fundraising on the same rails.

    The team.

    R

    Robin Kumar

    Founder. Corporate law and finance.

    D

    Danish

    AI and machine learning, 10+ years.

    V

    Vaibhav Dixit

    Investment banking and M&A, 9 years.

    Banking withan AI at thecentre.

    ONIX builds banking, wealth and advisory products for Indian MSMEs and the people who run them.

    ONIX Bank

    Personal and business banking in one app.

    AI CFO

    Forecasts, reconciliation and answers for owners.

    Careers

    Roles open soon.

    Built for howyou work.

    Whatever your size or industry, ONIX fits the way your finance team runs. Pick yours to see how it works.

    Everything under Solutions.

    By size and by industry. Open any one to see how it works.