https://www.desidime.com/discussions/need-advice-to-open-a-digital-bank-account?page=1#post_8547902
Open Kotak 811 or AU bank video KYC account.
Need Advice to Open a Digital Bank account
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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.
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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Top Comments
https://www.desidime.com/discussions/need-advice-to-open-a-digital-bank-account?page=1#post_8547907
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).
https://www.desidime.com/discussions/need-advice-to-open-a-digital-bank-account?page=1#post_8547957
811 is the best in my opinion...No fancy gimmicks...Just what u want. Gets the work done.
https://www.desidime.com/discussions/need-advice-to-open-a-digital-bank-account?page=1#post_8547977
guest_999 wrote:What's the charges for platinum debit card ? Is it worth?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).
https://www.desidime.com/discussions/need-advice-to-open-a-digital-bank-account?page=1#post_8547992
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notion wrote:
What's the charges for platinum debit card ? Is it worth?
AU rupay platinum debit card annual fee 150+gst can be used for amazon add money offer on any Friday once a month where you can add 500 rupees to amazonpay wallet for 400(100 rupees instant discount). Some other rupay platinum debit card offers also there like on swiggy etc.
https://www.desidime.com/discussions/need-advice-to-open-a-digital-bank-account?page=1#post_8548043
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)
https://www.desidime.com/discussions/need-advice-to-open-a-digital-bank-account?page=1#post_8548064
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.
https://www.desidime.com/discussions/need-advice-to-open-a-digital-bank-account?page=1#post_8548067
guest_999 wrote:The bad thing is these accounts , digital ones are also servicible in few cities only. In jharkhand there is only one branch i.e in ranchiAU 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).
https://www.desidime.com/discussions/need-advice-to-open-a-digital-bank-account?page=1#post_8548182
Ransome wrote: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.
Agree. Au bank send instant sms on upi txn also and they mention the remaining balance unlike other banks
https://www.desidime.com/discussions/need-advice-to-open-a-digital-bank-account?page=1#post_8548224
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 
https://www.desidime.com/discussions/need-advice-to-open-a-digital-bank-account?page=1#post_8548526
satraghav wrote:
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
Debit card charges for IndusInd zero balance account ?
https://www.desidime.com/discussions/need-advice-to-open-a-digital-bank-account?page=1#post_8548630
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.
https://www.desidime.com/discussions/need-advice-to-open-a-digital-bank-account?page=1#post_8548645
notion wrote:What were the documents asked for BOB CC? Salaried/Employed? Any Physical verification? TIA
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.
https://www.desidime.com/discussions/need-advice-to-open-a-digital-bank-account?page=1#post_8548654
As per I remember I provided another credit card statements.
https://www.desidime.com/discussions/need-advice-to-open-a-digital-bank-account?page=1#post_8548692
@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.
https://www.desidime.com/discussions/need-advice-to-open-a-digital-bank-account?page=1#post_8548696
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?
https://www.desidime.com/discussions/need-advice-to-open-a-digital-bank-account?page=1#post_8548700
cashif wrote: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?
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
https://www.desidime.com/discussions/need-advice-to-open-a-digital-bank-account?page=1#post_8548702
cashif wrote:SBI YONO, Union Bank of India etc insists physical KYC. Open account online and do verification offline.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?
https://www.desidime.com/discussions/need-advice-to-open-a-digital-bank-account?page=1#post_8548760
getready wrote:I don’t like app of Idfc much. It’s very sluggish. Also for upi it authenticates via otp 🤷♂️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)
https://www.desidime.com/discussions/need-advice-to-open-a-digital-bank-account?page=1#post_8548763
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Snapz wrote:They messed up the app with the recent feature update, used to be a much better before (hope it is temporary)
I don’t like app of Idfc much. It’s very sluggish. Also for upi it authenticates via otp 🤷♂️
Also for upi it authenticates via otpEven though its not convenient, this is good for me (I change phones/roms a lot). Also means there's no need for sim authentication via SMS for the app to work
https://www.desidime.com/discussions/need-advice-to-open-a-digital-bank-account?page=1#post_8548766
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https://www.desidime.com/discussions/idfc-denyi...
@cashif
maddydilip wrote:Niyox is not a good option for those planning on doing large amt of txns/balance in future.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
https://www.desidime.com/discussions/idfc-denyi...
@cashif
https://www.desidime.com/discussions/need-advice-to-open-a-digital-bank-account?page=1#post_8548907
guest_999 wrote:Virtual debit card works for Amazon offer? So with virtual debit card there are no other charges?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).
https://www.desidime.com/discussions/need-advice-to-open-a-digital-bank-account?page=1#post_8548951
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Surya_Baskar wrote:Kotak 811 virtual card works everywhere for all offers No charges for it & 811 account
Virtual debit card works for Amazon offer? So with virtual debit card there are no other charges?
https://www.desidime.com/discussions/need-advice-to-open-a-digital-bank-account?page=1#post_8548974
cashif wrote:Nsdl or kotak Nsdl takes selfi only Kotak u can submit at branchI 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?
https://www.desidime.com/discussions/need-advice-to-open-a-digital-bank-account?page=1#post_8549067
notion wrote:Tried today with VKYC with AU Bank. But during VKYC they told me they don't operate at my place and hence my account cannot be opened. I am just wondering what's the use of VKYC then.
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.
https://www.desidime.com/discussions/need-advice-to-open-a-digital-bank-account?page=1#post_8549071
Is there any other bank in which I can open digital account regardless of my location?
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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).
@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.