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Which is the Best digital bank account at present?

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Deal Cadet
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Earlier I had DBS, but they start charging min balance of Rs5000, due to which I closed that acc few years back.
Please suggest me overall good digital bank account (preferably 0 bal) to go with now. Even normal account with good benefits ok.
TIA
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Deal Major Deal Major
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Kotak 811

Community Angel Community Angel
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Kotak 811 zero charges deducted till now in this account

No sms charge

No virtual debit card charge 

No non maintenance charge 

Deal Cadet Deal Cadet
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Airtel payments Bank or paytm payments Bank

Community Angel Community Angel
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Airtel is very unreliable account freeze everyday, they keep on asking aadhaar copy every now and then Paytm is best never disturbed peace of mind

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Deal Major Deal Major
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Kotak 811

Deal Cadet Deal Cadet
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Airtel payments Bank or paytm payments Bank

Community Angel Community Angel
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Airtel is very unreliable account freeze everyday, they keep on asking aadhaar copy every now and then Paytm is best never disturbed peace of mind

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Helpful Helpful
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Au
Deal Cadet Deal Cadet
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Paytm Payments Bank 👍🏼



The PostMighty The PostMighty
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Airtel Payment bank literally 0 offers

Paytm payment bank ( not possible as Full KYC not yet Started )

So its Kotak 811

Without any doubt its the best 0 balance account

Do full kyc if you dont want this account to be closed after 1 year

If you use this account on daily basis you might get kotak 811 credit card too

Community Angel Community Angel
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Kotak 811 zero charges deducted till now in this account

No sms charge

No virtual debit card charge 

No non maintenance charge 

Talk-Of-The-Town Talk-Of-The-Town
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But Lots of calls and SMS for credit card

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Helpful Helpful
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Why no one is talking about sbi yono?

Freebie Finder Freebie Finder
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NSDL Payments Bank with rupay platinum debit card

Generous Generous
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Nsdl payments bank

Kotak 811, but they may block if you overuse upi

Deal Cadet Deal Cadet
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@violin @insta please let me know the benefits of NSDL payment bank account. How about UPI & physical debit card, account charges etc...

Generous Generous
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Its zero bal acc,
Fixed 6rs charge per month
Upi works fine, no issue
Free virtual rupay platinum debit card which works for amazon 20% billpay monthly offer
Physical debit card was chargeable, not sure if it is offered now
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Pro Tech Guru Pro Tech Guru
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Fi

Helpful Helpful
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Fi - lot of offers if u keep min balance 50000 per month or for salary ac

Deal Newbie Deal Newbie
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Fi & Jupiter are Neo Banks powered by Federal Bank. Their support is pathetic and Always risk of freeze.

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Deal Newbie Deal Newbie
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Use BOB digital account, can be opened easily from BOB world app

Generous Generous
Admin
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1. AU Bank Savings A/C

Interest rate: Upto 7%

Balance required: INR 2,000 onwards

Special feature: Monthly interest payouts

2. Yes Bank Savings Account

Interest rate : Upto 6.25%

Balance required: Zero

Special feature: Earn up to 16000 Yes Bank Rewardz Points worth 4000 INR

3. Kotak 811 Zero Balance Savings Account

Interest rate:Upto 3.5%

Balance required:Zero

Special feature: Zero-contact, Video KYC Savings Account

Savings Mentor Savings Mentor
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Yes Bank 0 balance? Where? Can you please point me to their website mentioning this?
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Deal Newbie Deal Newbie
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Kotak 811

Deal Newbie Deal Newbie
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Jupiter, been using it since launch, had no issues whatsoever. Recommended to all.

Generous Generous
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But Jupiter wants to charge for card annual charges even if you don't use it going forward.

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Spearhead Spearhead
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Please share the yes bank saving link

Post Emperor Post Emperor
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Kotak is bad in customer service

Helpful Helpful
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sbi yono and paytm payments bank

Deal Cadet Deal Cadet
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Opened Kotak811 account, last week. Applied for CC, but still it showing "your application is in process".

Community Angel Community Angel
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@Rosh_0007

Wrong information updated in deal wiki there is no such digital zero balance account in yes bank

Deal Cadet Deal Cadet
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Paytm Payment Bank.

Deal Cadet Deal Cadet
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AU bank without any doubt..

Deal Cadet Deal Cadet
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1) AU bank without doubt, that's true. best video call customer support, everyday you will receive one offer in app. More importantly, digital account is zero balance and they will issue rupay platinum debit card (177rs). also, you will get credit card offers in a month or two after opening account.

Physical branches are very less for AU, so keep it in mind.

2) HDFC, SBI, IDFC are reasonably good all rounders.

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