Razorpay X

Current Account

#1 Current
Account loved by
India’s startups

Where traditional banking holds you back, RazorpayX moves you forward. Change the way you bank with a Current Account built for disruptors.

Get started in 2 easy steps:

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Current Account powered by

ICICI BankRBL Bank

90% of India’s tech startups are on RazorpayX

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Don’t settle. Do more with a
RazorpayX powered Current Account.

Easy Credit

Guaranteed collateral-free corporate cards.

Powerful automation

Taxes, vendor payments, payroll, and more.

Smart Dashboard

Manage inflows and outflows seamlessly.

Integrated access

Access via desktop, mobile, or your smartwatch.

Try it yourself - Check out our live demo!

Explore RazorpayX

RazorpayX is better than your bank.
Here is how.

RazorpayX

Traditional Current Account

Beneficiary addition & superior payouts

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Instant addition.
No cooling-off period.
No transfer limits.

24 to 48 hours cooling-off period.

Credit card

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No personal guarantees.
20X higher limits and cashback.
Unlimited add-on cards and spend restrictions.
Smart dashboard.

Personal guarantees & deposits.
Lower credit limits.
Limited cashback.
Not digital-first.

Integrations

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Accounting integrations (ZohoBooks, Quickbooks, Tally)
Popular business tools (Slack, Shopify)

Zero integrations with your business and finance tools.

Multi-user experience

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Unlimited users.
Easy multi-level approvals.

Limited users.
Complicated maker-checker.

Collaboration with Chartered Accountant

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Provide view-only access.
Self-serve reports (transactions, invoices, challans).

Spend hours per month on emails and paperwork.

Built-in tax payments

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Pay TDS, GST, Advanced Tax in 30 seconds
Generate & store challans in one place.

Visit multiple tax portals and manage challans manually.

Payroll

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3 Clicks, 10 mins, Tax Compliant Salary disbursed!
Affordable health insurance.
Instant salary accounts.

Run-on excel files.
Complicated and manual.

Insights

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Smart dashboard.
Auto spend categorization.

Read bank statements and excel sheets.

Banking on the go

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Send, approve, track payments, on the go.

A nonintuitive mobile experience.

Premium support

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Priority support.
Prompt issue resolution.
Dedicated relationship manager.

Broken support experience.
Requires multiple follow-ups and reminders.
No dedicated channel of support.

Payment Gateway

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Best in class Payment
Gateway with special pricing.

Sharing of account details to accept payments

Everything else you need from your bank

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Cheque leaves.
Debit card.
Cash deposits.
Walk-in branch facility.
OD facility.
And so much more.

Cheque leaves.
Debit card.
Cash deposits.
Walk-in branch facility.
OD facility.

Current Account powered by

ICICI BankRBL Bank

Running a business is hard.
Make the money movement easy.

Spending hours on payments?

Now it takes seconds.

New beneficiary?

Add instantly with no transfer limits.

Lightning-fast smart payouts.

In just a few taps.

No bank details?

Instant money transfers with just contact details.

Be on time, always.

Schedule payments, get reminders.

APIs for large volumes.

Works with financial apps and ERPs you use.

Working with a team?

Get more control.

Multiple users?

Assign user roles & custom access.

Stay OTP-free!

Set easy approval workflows.

Approve on the go

Use our best-in-class mobile app or even your smartwatch

Spend less time with your Accountant

Give access to everything your CA needs including payments invoices, challans and more.

Get insights that help you save

Stay on top of your cash flow with a smart dashboard, intelligent insights, and auto-categorization of spends.

Go spreadsheet free

Save time and manual errors with easy integrations between your current account and the accounting tools you use.

Zoho, Intuit Quickbooks, Tally integration with RazorpayX

The first and only Current Account that
integrates your entire finances

Replace multiple disconnected manual financial operations with a fully automated
RazorpayX powered Current Account.

Smart payouts, anytime, anywhere.
Smart payouts, anytime, anywhere.

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20X limits, unlimited savings and effortless team spends.
20X limits, unlimited savings and effortless team spends.

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Automated payroll, tax filings, and benefits. In one place.
Automated payroll, tax filings, and benefits. In one place.

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Pay TDS, Advance Tax, GST in 30 seconds.
Pay TDS, Advance Tax, GST in 30 seconds.

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Add, track, and pay invoices by just forwarding an email.
Add, track, and pay invoices by just forwarding an email.

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Easy integrations with accounting softwares you use.
Easy integrations with accounting softwares you use.

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Get paid seamlessly with Razorpay Suite.
Get paid seamlessly with Razorpay Suite.

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Why startups love us

We spend 70% less time on manual finances

Like any startup, we didn't have a large finance team. RazorpayX helped us reduce 70% of time spent on manual tasks, enabling us greater focus on what matters.

Siddharth Maheshwari

Siddharth Maheshwari

Founder, Newton School

Newton School
READ FULL CASESTUDY

RazorpayX has helped us manage our growth

Everything from direct access to managers for uploading invoices, easy approvals, on-time employee salaries, to automatic compliances has been nothing short of a boon for us

Tarun Bhambra

Co-founder,

Orange Health

Orange Health

RazorpayX helps me manage finances, faster and better

My daily meetings with the finance team have reduced from 45 mins to 15 mins enabling me to focus more on what I love - growing my business

Abhishek Jain

Abhishek Jain

Co-founder, The White Willow

The White Willow
READ FULL CASESTUDY

Managing vendor invoices is now effortless

The best part is we receive all invoices directly on the dashboard, and they are ready with details pre-filled. It takes just a few clicks to stay on top of our vendor payments.

Chetan Mahajan

Chetan Mahajan

Founder and CEO, The Mavericks India

The Mavericks India
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RazorpayX is a lifesaver

My whole world runs on Razorpay. Be it receiving payments, or making vendor payments, or running my payroll. If this company didn't exist I would have to struggle to make these pieces come together.

Ankur Warikoo

Entrepreneur & founder,

Nearbuy

Nearbuy

Truly best in class

With RazorpayX, we have automated our entire payouts and refunds process. The product is extremely user-friendly and intuitive, integration was super easy and support has been awesome.

Varun Krishnakumar

Varun Krishnakumar

Head of Products, Furlenco

Furlenco
READ FULL CASESTUDY

Bank smart, scale faster with RazorpayX

Be in control of your growth with credit cards, expenses, payments, and accounting — automated with an X Account

Get started in 2 easy steps

Signup

KYC

SIGNUP NOW

Get started in 2 easy steps

Signup

KYC

GET STARTED

Wall of Love

As it turns out, people love RazorpayX.
Here is what some of our users have to say.

Frequently asked questions

We work with partners you can trust

Keeping your business safe is our priority

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