business banking platform
All-in-one digital banking for your business. Built for Startups, SMEs, and Freelancers
We’ve thought of everything
(and then some more)
Current Account + Visa Business Card
Reconcile
transactions
Accept &
make payments
Pay TDS & GST
Manage
your payroll
Track
business expenses
Manage it all in
one place
Backed by Major Banks
Why 25 lakh businesses trust OPEN
Discover a better banking experience that works for your business
Get an account
designed for your business
Manage all your bank accounts and business transactions from one place
Pay your
vendors faster
Accept and make unlimited payments. No cooling-off period for adding beneficiaries
Get paid quick
and easy
NEFT, IMPS, RTGS, UPI or Cards - make it easy for your customers to pay you
Track your
business expenses
Get a business account with built-in expense management
Get a card just
for your business
A VISA card for your wallet, and as many virtual cards as you need as well
Track all business spends with expense management
An expense card for each employee
Make it easy to track and categorise expenses
Track both cash and card expenses
Online subscriptions, petty cash spends, vendor payments - track them all
Approve expenses
on the go
Get notified on your phone right when expenses happen
Get flexible business loans and funding with zero collateral
Your aspirations of business expansion can be a reality with our hassle-free loans
A range of lending options for you to choose from
Go with whatever you think will be the best fit for you
Open Flo for revenue-based financing
Get funds up to ₹30 lakhs based on your monthly cash flow and bank statement
Open Settl, an early settlement credit offering
Settle your credit on time, always, with an easy to get loan
Open Capital for working capital loans
Access working capital when you need it at borrower-friendly rates
Say yes to business growth
Why Open Capital?
Apply in few minutes
Get money in 2 working days
Fast Approval
No Branch Visit
Tenure up to 60 months
An ISO certified company
An ISO certified company
Why Open Capital?
Apply in few minutes
Get money in 2 working days
Fast Approval
No Branch Visit
Tenure up to 60 months
An ISO certified company
Pay all your business taxes from one place
GST, TDS and everything else - manage them all from one place
Automatic TDS
deduction
Pay TDS in real-time for each transaction
Single-click challan
creation
A substantially faster way to pay and
manage challans
Easy GST payments
& invoice creation
Send GST-compliant invoices and pay
GST directly
Instant GSTR-2A
download
Download your GST form in seconds
from
the official portal
Reconcile all your business transactions automatically
Save precious accounting hours by instantly matching cashflow with your bank account
Bookkeeping integrated with your bank account
Reconcile your transactions as and when they happen
100% accurate reconciliation of all transactions
Get your books balanced automatically, and accurately
Works with other accounting software
Bring all your accounting tools together in one place for complete visibility
Understand how your money moves
Access insightful cashflow and profit & loss reports
Backed by
Get started in 3 simple steps
Start managing all your banking, payments, accounting & expenses in one place - in just 2 minutes.
Our partners
In the news
Open is a leading digital banking platform that powers businesses to automate their finance management process seamlessly. It helps small businesses and startups to manage their accounting, payments, invoicing, auto-reconciliation, payroll, expense management and taxes, all via one Open account with its wide range of automated banking solutions. Open features are built on top of traditional banking services, that allow businesses to get complete visibility of their entire cash flow. This helps businesses save tons of precious hours, while they focus on their productivity and growth.
All types of registered business owners, such as a partnership firm/ a Private Limited company/ a Sole proprietor/ a Freelancer or a Homepreneur, can leverage Open’s digital business banking platform. As per RBI guidelines, any business must complete KYC for the verification process, when they sign up on Open. Once you are signed up, you can get a fully integrated virtual account that simplifies banking, accounting, payments, expense management, all in one place within a few clicks.
You can link your current account with an Open account once you register your business on Open. In case you are an individual, you can also link your savings account to start with. Once you sign up and fill in your personal and business details, you can activate your Open account.
Don’t have a bank account?
Don’t worry, you can apply for a current account from one of our partner banks. To start with money withdrawal and receive settlements for the amount collected, just enter your current account number and IFSC code for the same and you are good to go.
Open is the one-stop solution when it comes to any business banking operation. Unlike regular banks, Open caters to the unique needs of small businesses. With Open, you can create instant business current accounts, manage payments along with automated invoice management, expense management and tax management. Open helps you integrate banking into your business workflow with its powerful APIs, making your business payouts hassle-free.
Once you fill in your personal and business details, you can start with payment collection. You can collect payments via different modes such as NEFT, IMPS, RTGS, Debit Card, Credit Card, UPI App, QR sticker, or Net Banking to your Open Business Account and all the transactions will get automatically reconciled. You can also create GST-compliant invoices to collect payments into your Open account from your vendors. You can also share payment links with your vendor and collect payments online with ease.
After your KYC completion, you get access to Open’s payout feature. You can make payouts via any of the three payout modes – IMPS/ RTGS/ NEFT/ UPI. Simplify the way you make payouts to all your vendors in no time without any cooling off period with Open’s payout APIs. You can also make bulk payouts instantly from your linked current account.
Open powers business banking services for over 25 lakh SMEs in India. Open is the fastest growing neo-banking platform adding over 100,000 new SMEs/month and processing over $30 billion in transactions annually. It takes utmost care of user data by adhering to data security protocols prescribed under the RBI guidelines. Open’s systems and infrastructure are also compliant with the Payment Card Industry-Data Security Standard (“PCI-DSS”). In addition, Open is compliant with the requirements of ISO 27001 : 2013 with an in-house CISO (Chief Information Security Officer) to ensure ultimate data security.
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