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Need Advice to Open a Digital Bank account

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Deal Cadet
notion
I want to open a bank account for my wife. It would be a secondary one for online/qr-code payment only.

What would be the best option for that ?

I personally have DigiBank and PayTM Payment Bank account but hardly see any offers with low interest rate than what they were offering initially to get customers.

But I might have seen discussions of AU bank and some other banks account with better benefits.

Can anyone please help by suggesting options.

Thanks in advance.
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71 Comments  |  
36 Dimers
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Benevolent Benevolent
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Open Kotak 811 or AU bank video KYC account. 

Critic Critic
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AU digital acc zero MAB for some offers & rupay platinum debit card(not free though) or kotak 811 acc with zero MAB & zero charges with a free virtual debit card(physical debit card is chargeable & one need to apply for it if needed).

Deal Cadet Deal Cadet
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What's the charges for platinum debit card ? Is it worth?
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Critic Critic
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811 is the best in my opinion...No fancy gimmicks...Just what u want. Gets the work done.
Mobile Guru Mobile Guru
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I personally have DigiBank and Payment Bank account but hardly see any offers with low interest rate than what they were offering initially to get customers.

This is the case with almost any bank (Even the options you're considering now). Opt for the banking option which is more reliable and has better app experience & i think DBS is best among the lot (followed by IDFC First. Kotak 811 is good but its not stable all the time). Rupay Platinum DC is one reason why AU bank became popular & once the 20% money load offer expires next year (mostly it should), this won't be #1 recommendation anymore

Also RBI removed the debit card requirement for savings accounts, no bank is going to force anyone from this month (July 1)

Generous Generous
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I don’t like app of Idfc much. It’s very sluggish. Also for upi it authenticates via otp 🤷‍♂️
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Vanguard Vanguard
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I recently opened a Zero-balance AU Small Finance bank account for the Rupay Platinum debit card and other benefits and after using it for a few weeks, I switched to it for all UPI transactions instead of glitchy SBI. It's a big relief and I haven't faced any issues so far. Plus, the deal of the day offer is useful. Their customer care support is good. 

Kotak 811 is another option that I use frequently but comparing the two, I would suggest AU bank. 

Crowdpuller Crowdpuller
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Agree. Au bank send instant sms on upi txn also and they mention the remaining balance unlike other banks

Hunk Hunk
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I have Zero Balance accounts in AU Bank, Indusind, Jupiter and Fi. All have their uniqueness and serve one or other necessities. I earn rewards and other benefits from each account blush
Benevolent Benevolent
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Debit card charges for IndusInd zero balance account ?

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Deal Cadet Deal Cadet
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Currently I am at my hometown that is a small town and no AU bank nearby. I am still expecting I would be able to open an account in AU bank with video KYC ? Anyone opened account staying in a remote part/village/small town ? Few days ago I got the BoB credit card with Video KYC.
Hunk Hunk
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What were the documents asked for BOB CC? Salaried/Employed? Any Physical verification? TIA
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Deal Cadet Deal Cadet
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As per I remember I provided another credit card statements.
Finance Ninja Finance Ninja
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@notion AU digital saving acc is best bank and zero balance + RuPay Platinum.

Every month you saved Rs100 on Amazon add money, annual saved Rs1200, lots of other offers also available on AU banks like sometimes 10% discount or cashback on Amazon, Flipkart, Jiomart or huge discount+cashback offer on Swiggy etc.

Crowdpuller Crowdpuller
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Never seen 10% on amazon or flipkart

Generous Generous
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I also need a Bank account for my wife, just for Gpay/UPIs. Any bank without video KYC. Am ok with submitting Docs and/or validating Aadhaar?

Helpful Helpful
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Can open account with niyox which opens account with equitas bank.. No VKYC needed.. Can open account with Aadhar and pan..Good interest rates too.. For full kyc they send delivery courier guys for finger print and you are done.check pm

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Deal Cadet Deal Cadet
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Is there any other bank in which I can open digital account regardless of my location?
Hunk Hunk
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You can try NSDL Bank.
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Generous Generous
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Thanks dimers for guidance but still undecided.

I actually have opened Niyox account but KYC cant be done as it is not available in my town. SBI yono  is giving me error as had SBI account long time back and it elapsed after I didnt submit KYC docs. Now I dont have the Account number  and patience to follow thru. AU Bank is also not available in my town. 

I have IDFC, so tried opening using my referral but it keeps getting stuck in the final page wherein it asks to transfer funds..


Have approached Axis bank as my company has account with them but even they are asking for VKYC despite me willing to submit doc in branch. So still confused..

Finance Ninja Finance Ninja
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Open NSDL bank account but full kyc account.
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Firestorm Firestorm
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AU digital vkyc complete ho gya lekin confirmation email/sms kuch nahi mila 🤔
Vanguard Vanguard
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Wait for 4-6 hours, you'll get the confirmation. 
Deal Cadet Deal Cadet
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Tried in NSDL. Because of some reason I had to run it couple of times and it says "sms limit exceeded". Any idea when this will be lifted or not ?
Finance Ninja Finance Ninja
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Try after 24hrs.
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Deal Cadet Deal Cadet
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Today I just have tried to load my Amazon wallet with Rs.500. it is not showing as Rs.400 even after selecting the NSDL Rupay Platinum card. Am I missing any steps ? I am using my wife's card into my account. I believe that's not a problem.   https://cdn0.desidime.com/attachments/photos/786155/medium/Screenshot_2022-07-08-00-38-30-76_fd1e8ef594b195c55a3bba4818d0ce35__01.jpg?1657221016
Vanguard Vanguard
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If it's showing Rs 400, then it's the correct amount. When you enter the amount you want to add to Amazon pay balance as Rs 500, it'll automatically give you a 20% discount i.e. Rs 100 and will show as Rs 400 to be deducted from the RuPay Platinum debit card. 

So, you'll pay Rs 400 using debit card but Rs 500 will be credited to Amazon pay balance. 

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Deal's Advocate Deal's Advocate
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Track
Deal Cadet Deal Cadet
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ICICI Mine Account. [Using Last 1 Year] 

Best App & Net Banking Experience

Platinum Mine Card Cost 150 + GST 

Last 1 Year 0 UPI Or Transaction Issue 

Always Offer On Debit Card In Amazon, Fk,Croma.... 

Helpful Helpful
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ICICI have best banking app compared to all others.
Deal Newbie Deal Newbie
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You can open in kotak bank. It's very good offer

Helpful Helpful
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Wait. You should try neo banks. Under digital India initiative 75 new neo banks will be opened. So more competition. So you will get more better interest rate, less service charges etc etc https://bfsi.economictimes.indiatimes.com/news/...
Deal Newbie Deal Newbie
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AU small bbest
Deal Newbie Deal Newbie
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Fi account is best...
Deal Cadet Deal Cadet
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Any referral for AU bank & benefits.
Deal Cadet Deal Cadet
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In my way paytm payment bank is good as per there service in bank
Deal Newbie Deal Newbie
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I closed my digibank account it had become useless. But have been using kotak 811 for more than 5-6 years. Recently opened fi account as well because i like app experience. As it's a federal card I can even use it for discounts if available.

Kotak is good in terms of service. I was trying to do international payment and every other card was failing even when international transactions were enabled. Only kotak one got processed so it's very consistent in that terms. Recently they even offered me League Platinum cc for LTF

Deal Newbie Deal Newbie
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Kotak 811 saving account
Deal Newbie Deal Newbie
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AU BANK
Deal Subedar Deal Subedar
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Is there any bank account which one can open without Pan card?
Hunk Hunk
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I think NO. Now even to open any Physical Bank Account, you need PAN (Mandatory).
Deal Subedar Deal Subedar
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Is it possible to use only virtual debit card in au bank online created savings account?

Is virtual debit card chargeable?

Deal Cadet Deal Cadet
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I can see NSDL debited Rs.5.90 as Service Charge (Monthly Service Fee Jul22) in Aug from my wife's account. Any way to avoid this charges?

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