Suggest zero balance bank accounts (non-PSU) with NIL debit card fees

160°
Deal Cadet
yolodime

For some purpose, I want to open multiple bank accounts.

I need 4 new bank accounts and I already have savings account in HDFC, IDFC, SBI.

I’m self-employed, so can’t sign up for Fi.

Zero balance is a must have feature.

Zero debit card fees is my preference, though not mandatory.

SMS alerts charges – I don’t care. 

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Deal Subedar Deal Subedar
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Icici mine, kotak 811, newly launched indusind 0 balance account.

I only know about these 3 much.

Deal Cadet Deal Cadet
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Fincare small finance bank

Hotshot Hotshot
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Jupiter money

Deal Cadet Deal Cadet
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kipte.khoka wrote:

Fincare small finance bank

Thanks. Send any referral link, if any.

Deal Cadet Deal Cadet
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Fanil wrote:

Jupiter money

Thanks. Send any referral link, if any.

Deal Cadet Deal Cadet
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How is AU bank? Any referral?

Deal Cadet Deal Cadet
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yolodime wrote:

Thanks. Send any referral link, if any.

There aren’t any. Its a pretty small scale bank with good interest rates and free debit card as per your requirement.they do their KYC via courier partners so it’s hassle-free. The mobile banking app is a little buggy but it does the job.
You can go for it been using for the last two years

Deal Lieutenant Deal Lieutenant
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prem4998 wrote:

Icici mine, kotak 811, newly launched indusind 0 balance account.

I only know about these 3 much.

Icici mines debit card is chargeable

Chennai Super Kings Chennai Super Kings
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RunZone wrote:

Icici mines debit card is chargeable

177 rupees dc charge and 15 Ruppes sms charge per quarter

Deal Subedar Deal Subedar
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RunZone wrote:

Icici mines debit card is chargeable

It’s not mandatory per op. I thought he wanted a bank account well established institutions. Didn’t know that he is okay with payments banks and stuffs. In that case we have a truckload of providers smile

Deal Lieutenant Deal Lieutenant
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I need suggestion for ZERO Balance account which gives highest interest.. I opened account in idfc for 7% interest but they reduced to ~4.5%

Deal Cadet Deal Cadet
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prem4998 wrote:

It’s not mandatory per op. I thought he wanted a bank account well established institutions. Didn’t know that he is okay with payments banks and stuffs. In that case we have a truckload of providers smile

I’m okay with stable small finance banks.

Deal Cadet Deal Cadet
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anantnitish wrote:

177 rupees dc charge and 15 Ruppes sms charge per quarter

177 per year is okay with me.

Deal Cadet Deal Cadet
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kipte.khoka wrote:

There aren’t any. Its a pretty small scale bank with good interest rates and free debit card as per your requirement.they do their KYC via courier partners so it’s hassle-free. The mobile banking app is a little buggy but it does the job.
You can go for it been using for the last two years

Thanks for the review. Will check the site.

Do you mind if I PM you on this?

Deal Cadet Deal Cadet
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yolodime wrote:

Thanks for the review. Will check the site.

Do you mind if I PM you on this?

Nope, pm away

Deal Lieutenant Deal Lieutenant
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Kotak 811, totally free

Deal Subedar Deal Subedar
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FI is best…. Federal Bank debit card also working for offers… Pm me for referral

Mobile Guru Mobile Guru
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rohit_agarwal wrote:

FI is best…. Federal Bank debit card also working for offers… Pm me for referral

+1 me too.
Why do they have two zero balance accounts (fi n jupiter)
Any idea?

Deal Lieutenant Deal Lieutenant
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MrKool_JJ wrote:

+1 me too.
Why do they have two zero balance accounts (fi n jupiter)
Any idea?

3 including Fed Selfie

Deal Lieutenant Deal Lieutenant
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rohit_agarwal wrote:

FI is best…. Federal Bank debit card also working for offers… Pm me for referral

How to open fi for self employed?

Deal Cadet Deal Cadet
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My advice is stay away from any Neo bank. Don’t open bank account which doesn’t have physical branch existence.

Mobile Guru Mobile Guru
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BlueFlash wrote:

3 including Fed Selfie

Any difference between all three ?

Deal Subedar Deal Subedar
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Niyox from Equitas Bank
Ujjivan

Both provide 7% internet rate above 1L

Deal Subedar Deal Subedar
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MrKool_JJ wrote:

+1 me too.
Why do they have two zero balance accounts (fi n jupiter)
Any idea?

Because of business model.

Deal Subedar Deal Subedar
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insta wrote:

How to open fi for self employed?

Just choose self employed business in field… I’m self employed and successfully opened.

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