How to change a secondary bank account on Zerodha
A Zerodha trading account can link up to three bank accounts: one primary account and up to two secondary accounts . Changing a secondary account means updating or replacing one of those additional accounts, for example when you close the old bank, switch to a new bank, or need to correct the account details on file. This guide covers the change through Zerodha Console , the test-transfer verification, the fact that there is no charge, and the 48 working hour processing window.
Changing a secondary account is a lighter operation than changing the primary account or converting a secondary account to primary , both of which carry a Rs 25 plus GST charge and an Aadhaar e-sign. Updating a secondary account is free and is confirmed by a test transfer to the new account. For how the primary and secondary roles differ, see primary and secondary bank accounts on Zerodha .
Conflict-of-interest disclosure. This guide is published by the WebNotes Editorial Team for informational purposes and is written independently. WebNotes operates a Zerodha account-opening referral programme, disclosed on the pages that carry the referral link; this guide does not carry it and earns no referral commission from the procedure described here.
Step-by-step procedure
The Procedure infobox near the top of this page lists the seven steps. The subsections below expand each one and explain what to do when a direct edit is not offered on the Bank page.
Step 1: Log in to Zerodha Console
Open console.zerodha.com and log in with your client ID and password, then complete two-factor authentication with your TOTP app or the SMS OTP sent to your registered mobile. Bank-account changes are made in Console, not in Kite , the trading app. Start in Console.
Step 2: Open Account and then Bank
Click Account in the top navigation and select Bank. The page lists every linked account with its bank name, the last few digits of the account number, the account type, and whether it is the primary or a secondary account. This is the same read-only view you can open any time to confirm which accounts are linked before you change anything.
Step 3: Locate the secondary account to change
Identify the secondary account you want to update. Confirm it is tagged as a secondary account, because the primary account uses a separate change flow with a Rs 25 plus GST charge and an Aadhaar e-sign. If the account you want to change is actually the primary account, use How to change your primary bank account on Zerodha instead.
Step 4: Start the change and enter the new details
Choose the option to modify the secondary account and enter the new account number and IFSC. Take care with the IFSC, an 11-character alphanumeric code; a common error is typing the letter O in place of the digit 0, which the system rejects. If the Bank page does not offer a direct edit for a secondary account, the equivalent is to remove the existing secondary account and add the replacement in its place; see How to remove a bank account on Zerodha and How to add a secondary bank account on Zerodha .
Step 5: Complete the test-transfer verification
Submit the request. Zerodha initiates a test transfer to the new account to confirm the account exists and belongs to you. This is the same class of verification used when a secondary account is first linked, where a small penny-drop credit lands in the account. Watch your bank statement for the verification credit and its reference text.
Step 6: Provide bank proof if requested
If Zerodha asks for proof, upload a self-attested passbook or a bank statement that clearly shows the account holder name, the IFSC, and the MICR. Your signature on the proof must match the one on file with Zerodha. A clean, legible proof avoids a second round of queries. For what Zerodha accepts as bank proof and the email it may send, see Zerodha bank proof email .
Step 7: Await processing within 48 working hours
Zerodha processes the change within 48 working hours at no charge and sends a confirmation email once the updated secondary account is active. Until then, keep the old account details in mind for any pending deposits, and verify on the Bank page after the email that the secondary account now shows the new details.
No charge and the 48 working hour timeline
There is no charge to change a secondary bank account on Zerodha. This is the clearest difference from the two primary-account operations, both of which cost Rs 25 plus 18% GST. If you are billed for a secondary-account change, raise it with support, because the confirmed position is that the change is free.
Processing takes up to 48 working hours, counted in working hours rather than calendar hours, so a request placed before a weekend or a market holiday takes longer in calendar terms. A confirmation email marks completion. This is faster than the 72 working hour window that applies to changing or converting the primary account.
Verification: the test transfer and bank proof
Zerodha verifies the replacement account with a test transfer before the change goes live, the same safeguard it uses when any bank account is first linked. The test transfer confirms the account number and IFSC point to a live account in your name. If the test transfer fails, the details were most likely mistyped, or the account does not match your name at the bank, and Zerodha emails you to correct and resubmit.
Bank proof is not always demanded, but Zerodha may ask for it. When it does, a self-attested passbook or statement showing the name, IFSC, and MICR is enough. Keep the proof consistent with your KYC name; a middle name present at the bank but absent in KYC, or initials against a full name, is the usual cause of a mismatch.
When the change cannot be processed online: the offline route
For some client types the online flow is replaced by an offline process. Zerodha routes the addition or change of a secondary or tertiary bank account offline for NRI clients, joint accounts, and clients without a Zerodha demat account, who complete the change through a courier-based account-modification form rather than on-screen. If you see a message that the request cannot be processed online and must be initiated offline, you fall into one of these categories. The account-modification form and the accepted bank proofs are documented in How to change your primary bank account on Zerodha , which the secondary-account offline process mirrors.
Why you might be unable to add or edit a bank account
If Console blocks the change, two causes account for most cases. First, an incorrect IFSC: the code is 11 characters and alphanumeric, and typing the letter O for the digit 0, or the reverse, makes it invalid. Recheck the IFSC against a cheque leaf or the bank’s website. Second, CDSL, the depository, may not recognise your bank branch or its IFSC yet. The fix is to raise a support ticket and attach a self-attested bank statement or cheque that clearly shows the IFSC and MICR; Zerodha then has CDSL update the IFSC within 48 working hours, after which you can complete the add or change.
If you simply want to receive a payout in the changed secondary account, note that Zerodha lets you withdraw to a verified secondary account by selecting the preferred bank on the withdrawal screen. See How to withdraw to a secondary bank account on Zerodha for that flow, and Zerodha failed transfer refunds if a payout bounces back.
See also
- Primary and secondary bank accounts on Zerodha
- How to add a secondary bank account on Zerodha
- How to convert a secondary bank account to primary on Zerodha
- How to change your primary bank account on Zerodha
- How to remove a bank account on Zerodha
- How to link a bank account to Zerodha
- How to change the bank IFSC on Zerodha
- How to withdraw to a secondary bank account on Zerodha
- How to withdraw funds from Zerodha
- Zerodha penny-drop refund
- Zerodha bank proof email
- How to add funds to Zerodha via UPI
- How to add funds to Zerodha via NEFT, RTGS, or IMPS
- How to add funds to Zerodha via netbanking
- Zerodha fund transfer limits
- Zerodha failed transfer refunds
- Zerodha payment gateway fees
- Zerodha charges
- Zerodha Console
- Kite by Zerodha
- Zerodha eMandate
- Unified Payments Interface
- Aadhaar
- Reserve Bank of India
- Securities and Exchange Board of India
External references
References
- Zerodha Support, “How to change a secondary bank account,” support.zerodha.com, observed 2026-06-30.
- Zerodha Support, “Why am I not able to add or edit my bank account details,” support.zerodha.com, observed 2026-06-30.
- Zerodha Support, “Secondary bank addition error and the offline process,” support.zerodha.com, observed 2026-06-30.
- Reserve Bank of India, “Master Direction on Know Your Customer (KYC),” RBI/2015-16/42, as updated.
- SEBI (Stock Brokers) Regulations, 1992, as amended, on client bank-account requirements.