Airtel Payments Bank Launches ‘Safe Second Account’ to Shield Savings from Digital Fraud
Bengaluru, September 25, 2025 – In a direct response to the rising tide of online financial fraud, Airtel Payments Bank today unveiled the ‘Safe Second Account,’ a new banking product designed to allow consumers to enjoy the convenience of digital payments while keeping their primary savings secure.
The product encourages a fundamental shift in banking behavior: using a dedicated, easily accessible account for daily digital transactions—such as UPI payments, bill settlements, and online shopping—while insulating one’s main savings account from potential threats like phishing, SIM swaps, and unauthorized transactions.
“Digital payments have transformed the way India manages money, but with convenience comes the responsibility of ensuring safety,” said Anubrata Biswas, MD & CEO of Airtel Payments Bank. “The Safe Second Account is a step in that direction – encouraging a simple yet powerful habit of separating everyday transaction funds from core savings. We believe this small behavioral shift can help consumers embrace digital transactions more securely.”
A Smarter Habit for the Digital Age
With digital payments becoming ubiquitous, from local kirana stores to e-commerce platforms, the risk of fraud has grown in parallel. The Safe Second Account aims to function as a financial buffer. Instead of exposing their primary account with every transaction, customers can transfer a limited amount to their Airtel Payments Bank account for daily use.
The account requires zero minimum balance and can be opened instantly through the banking section of the Airtel Thanks app, making it accessible to a wide range of customers. Despite its transactional nature, the account also offers an interest rate of up to 6.5% on savings and comes with a suite of features including seamless UPI integration, an eco-friendly debit card with benefits up to ₹15,000, and comprehensive bill payment options.
Multi-Layered Security at its Core
Beyond its convenience, the account is built on a foundation of advanced security features tailored to counter modern digital risks. These safeguards include:
-
Fraud Alarm: Allows customers to instantly block the account upon noticing any suspicious activity.
-
Sleep Mode: An option to temporarily put the account on pause when not in use, adding an extra layer of security.
-
AI-Driven Face Match: Deploys facial recognition technology to flag high-risk transactions for verification.
-
Customizable Controls: Users can set daily transaction limits and receive real-time alerts for all account activity.
Media Updates: +91-93531 21474 [WhatsApp] | indianowme@gmail.com
This multi-pronged security approach is central to the bank’s proposition, providing customers with proactive tools to manage their transactional safety. The initiative underscores Airtel Payments Bank’s broader commitment to advancing financial inclusion and secure digital payment solutions across India through its network of over 500,000 banking points and digital platforms.
By introducing the Safe Second Account, the bank is betting that a simple change in financial habit—compartmentalizing funds for safety—will become a new standard for secure banking in the digital era.
