Want to open a bank account (Savings), Need sug...

Want to open a bank account (Savings), Need suggestions

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Deal Cadet
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What I expect?
Hasslefree & Flexible Netbanking service (Not like Axis Bank who charges 5Rs for even a 1Re. IMPS txns or SBI which limits IMPS to 5000Rs per txn.)
Giving good interest on keeping money in account
ATM availability
Widely acceptance of it’s Debit Card (Not like SBI ones which are facing issues as of now on its Debit Cards on few sites/wallets)
Easy management of money and if possible offers on purchases (Like I heard of HDFC giving 5% off on every purchase)

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18 Comments  |  
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Deal Newbie
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@darpan.pursnani87 wrote:

What I expect?
Hasslefree & Flexible Netbanking service (Not like Axis Bank who charges 5Rs for even a 1Re. IMPS txns or SBI which limits IMPS to 5000Rs per txn.)
Giving good interest on keeping money in account
ATM availability
Widely acceptance of it’s Debit Card (Not like SBI ones which are facing issues as of now on its Debit Cards on few sites/wallets)
Easy management of money and if possible offers on purchases (Like I heard of HDFC giving 5% off on every purchase)

go for south indian bank (SIB)

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Deal Cadet
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Sry, I forgot to mention that I belong to Gujarat, so SIB is completely out of option as there are just two of them in my state

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Deal Cadet
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Hmm…
Which bank does not charge for imps
(Mostly allbank)
All bank have atms
(Sbi has most)
All bank atm get accepted cn u tell me a website where sbi card is not accepted(not talking about international website)

Good intrest ha??
In Pvt bank u have to keep min monthly blnc
sbi convert ur acc balance into mods to give u 7.25%

Hdfc giving 5% off??i dnt knw sorry

Sbi is giving offers for flipkart

Hdfc is also giving offers

U cant not get every thing..if u want good offers go for hdfc, it will be better if u cn have salary acc
If u want intrest create a flexible fd with hdfc salary acc

Also search about digibnk

Missing
suspended
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Go for Taminad mercantile bank! I’m using it! It’s a wonderful bank! It doesn’t charge for withdrawing money from ATM. Net banking also doesn’t charge any cost!

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Deal Cadet
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Go with kotak mahindra bank, their service is awesome, their customer service, website, mobile app, everything is awesome, and you can open account with 5000rs and that you have to maintain monthly averagely,if a relationship manager become friend of yours then he can get you privy service, with which you will get zero balance account, no extra charges, you can open stock account with no extra charges, no charges for neft, rtgs, you will get a chip platinum card with daily limit of 50,000 and more other stuffs too.i had opened my first account with them when i turned 18 and its been a pleasure experience with them for two years, in one minute i can call with customer care with no waiting as a am a privy member.

Kanz
Deal Subedar
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Go for Kotak Mahindra Jifi Current Account with zero maintenance balance, if you can maintain 10K go for KOTAK Jifi Saver.
I have opened both accounts 2-3 months back their services are good.

Another option is IDBI bank 🏦 it’s also good mostly all things are free, minimum maintain balance is 5K

HDFC Bank is also good in which we have to maintain 10K

And I think all banks charges for IMPS except few.

And I am also from Gujarat smile

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Deal Subedar
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Go either for HDFC or Kotak Mahindra

Both these provide hassle – free services.

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Deal Lieutenant
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Citibank unbeatabe…

Kanz
Deal Subedar
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@SUMO wrote:

Citibank unbeatabe…

Mostly impossible to get savings account for middle class in Citi

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Deal Subedar
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@darpan.pursnani87
If you are willing to compromise on interest on deposit (you will get interest if deposit is > 25000), then Kotak JIFI current account meets all your requirements. I just opened this account a month back and I love their service. It’s a zero balance account. No charges for IMPS/NTFS etc. Free platinum chip card which works all across the globe. You get tons of reward points when you spend using card. And a lot more. Just take a look at it on their site and mull it over.

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Deal Lieutenant
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Go for “Search” option available in desidime

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Deal Cadet
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@lostdrms wrote:

Hmm…
Which bank does not charge for imps
(Mostly allbank)
All bank have atms
(Sbi has most)
All bank atm get accepted cn u tell me a website where sbi card is not accepted(not talking about international website)

Good intrest ha??
In Pvt bank u have to keep min monthly blnc
sbi convert ur acc balance into mods to give u 7.25%

Hdfc giving 5% off??i dnt knw sorry

Sbi is giving offers for flipkart

Hdfc is also giving offers

U cant not get every thing..if u want good offers go for hdfc, it will be better if u cn have salary acc
If u want intrest create a flexible fd with hdfc salary acc

Also search about digibnk


Canara bank doesn’t charge for IMPS
and try loading money on Paytm/Udio, it will say please use SBI Netbanking, DC’s are getting high amount of failure
Tried 2 days back and yesterday too

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@batman wrote:

@darpan.pursnani87
If you are willing to compromise on interest on deposit (you will get interest if deposit is > 25000), then Kotak JIFI current account meets all your requirements. I just opened this account a month back and I love their service. It’s a zero balance account. No charges for IMPS/NTFS etc. Free platinum chip card which works all across the globe. You get tons of reward points when you spend using card. And a lot more. Just take a look at it on their site and mull it over.


Must thing which I forgot to mention was zero balance account.
But as I mentioned I want a savings account, so JIFI savings account exists or not?

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Deal Cadet
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@darpan.pursnani87 wrote:

@lostdrms wrote:

Hmm…
Which bank does not charge for imps
(Mostly allbank)
All bank have atms
(Sbi has most)
All bank atm get accepted cn u tell me a website where sbi card is not accepted(not talking about international website)

Good intrest ha??
In Pvt bank u have to keep min monthly blnc
sbi convert ur acc balance into mods to give u 7.25%

Hdfc giving 5% off??i dnt knw sorry

Sbi is giving offers for flipkart

Hdfc is also giving offers

U cant not get every thing..if u want good offers go for hdfc, it will be better if u cn have salary acc
If u want intrest create a flexible fd with hdfc salary acc

Also search about digibnk


Canara bank doesn’t charge for IMPS
and try loading money on Paytm/Udio, it will say please use SBI Netbanking, DC’s are getting high amount of failure
Tried 2 days back and yesterday too

I nvr had such issues..did u enter the correct name on ur card ..even a small spelling mistak cn cause problem

Cps2 msh hulk win
Deal Cadet
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Digibank is best.. 0 balance saving a/c,7% interest,withdrawal at any ATM without any fee, imps also free…just net banking is not avlbl https://cdn3.desidime.com/assets/textile-editor/icon_lol.gif

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Deal Newbie
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Union bank of india don’t charge for imps , per txn limit is 50,000 and also don’t charge for net banking

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Deal Subedar
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@naved569 wrote:

Digibank is best.. 0 balance saving a/c,7% interest,withdrawal at any ATM without any fee, imps also free…just net banking is not avlbl https://cdn3.desidime.com/assets/textile-editor/icon_lol.gif


Only limited to certain cities. https://cdn1.desidime.com/assets/textile-editor/icon_sad.gif

Missing