Hotness ICICI insta save account HELP, please urgent

Hot Deal ICICI insta save account HELP, please urgent

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Deal Cadet
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I had opened an ICICI insta save account online thinking it would be convenient from home but since then Its giving me troubles.

1. They have changed my city and state in address section and my debit card is roaming in some other state. so no Imobile, UPI and withdrawl.
2. I opened a fd of 10K as per T and C and I can’t see any FD in my account in internet banking.
3. No call for KYC yet, went to branch twice and they have no clue.

So kisine ye account open kiya ho and similar experience ho to please solution batao. Had I not deposited 10K I would have let it go but now they are playing, Please help, customer care has no clue why such things are happening.

57 Comments  |  
15 Dimers
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Deal Subedar
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Even i had thought of opening online but changed my mind, visited branch and opened there in 10 minutes. Account activated in 1 Day. Yet to receive debit card and kit as opted for non insta kit.

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Deal Cadet
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Alexios wrote:

Even i had thought of opening online but changed my mind, visited branch and opened there in 10 minutes. Account activated in 1 Day. Yet to receive debit card and kit as opted for non insta kit.

Do they do fingerprint verification? I have sweaty hands, never work for me.

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Deal Subedar
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Guy_Next_Door wrote:

Do they do fingerprint verification? I have sweaty hands, never work for me.

No fingerprint needed. It was needed when aadhar was compulsory. I have given DL as address proof.

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Critic
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Write an email to second/third level with your application number mentioning transaction details of payment and find out it’s whereabouts. Do mention you will write next to banking ombudsman if not resolved in 2-3 days
Meanwhile, tweet for status update with application number.

This is why I hate ICICI Bank and rightly so. This is India’s worst private sector Bank

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Alexios wrote:

No fingerprint needed. It was needed when aadhar was compulsory. I have given DL as address proof.

Imagine the guy who refused to open my salary account without aadhaar 2 days ago, same shitty bank. I’m glad I didn’t have to.

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Deal Subedar
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cocay wrote:

Imagine the guy who refused to open my salary account without aadhaar 2 days ago, same shitty bank. I’m glad I didn’t have to.

There are morons in every bank who are very adamant.

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Alexios wrote:

There are morons in every bank who are very adamant.

Wouldn’t be surprised if those morons had earlier been associated with ICICI

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Deal Cadet
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Update: received a message which I had missed: bank has marked lien on the FD and issued a cc against it. Is this why the FD not reflecting in my account? Anyone who has a card against FD can shed some light on it.

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Deal Subedar
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cocay wrote:

Write an email to second/third level with your application number mentioning transaction details of payment and find out it’s whereabouts. Do mention you will write next to banking ombudsman if not resolved in 2-3 days
Meanwhile, tweet for status update with application number.

This is why I hate ICICI Bank and rightly so. This is India’s worst private sector Bank

Agreed, ICICI bank is worst private sector bank. Icici relationship manager are always given sales target – insurance, SIP, MF and so on. Failure to meet target = Bombarding from Branch Manager, Lower / Nil increment. They are under tremendous pressure always. So next time you visit ICICI branch for some service for your account, see the cross selling tricks & technique

p.s. Friend worked for 10 months before moving to some other bank.

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Deal Newbie
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it will reflected in FD section on app as well as netbanking, while credit card will be in the CC section just like normal FD & CC, I had CC against FD and it displayed normally

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Deal Subedar
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Mitron56 wrote:

Update: received a message which I had missed: bank has marked lien on the FD and issued a cc against it. Is this why the FD not reflecting in my account? Anyone who has a card against FD can shed some light on it.

I am facing same issue I have got the debit card but FD is not reflecting in my account.

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Deal Cadet
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Src_045 wrote:

I am facing same issue I have got the debit card but FD is not reflecting in my account.

Did you get any cc ? I received an application number which is under process.

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Deal Subedar
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Mitron56 wrote:

Did you get any cc ? I received an application number which is under process.

No I have not received any cc . How do you contacted them

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Deal Cadet
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I have applied for instasave account yesterday. Not able to login in imobile app sinch it’s require debit card details. For balance inquiry when I’m calling cc no and inputting account no it’s saying invalid account no. Don’t know what to do next. No call from bank yet

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Deal Cadet
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Mitron56 wrote:

Update: received a message which I had missed: bank has marked lien on the FD and issued a cc against it. Is this why the FD not reflecting in my account? Anyone who has a card against FD can shed some light on it.

Your debit card dispatched to you before or after kyc?

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Aveejeet wrote:

Your debit card dispatched to you before or after kyc?

No KYC done yet, branch has no idea about it.

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Deal Cadet
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Mitron56 wrote:

No KYC done yet, branch has no idea about it.

Your debit card dispatched without kyc ?

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Deal Newbie
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I’m also interested opening this account. So with this insta save fd account you get zero balance account plus a free credit card. Op do you received your credit card yet?

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Donald-Trump wrote:

I’m also interested opening this account. So with this insta save fd account you get zero balance account plus a free credit card. Op do you received your credit card yet?

You need to make a FD of 10k for zero balance and Credit card. My initial application for CC was declined, I requested again yesterday and got a card, physical delivery pending.

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Deal Newbie
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@Mitron56 so what’s the issuance charge of the debit card. In axis asap they charge 350+ as issuance charge. So if I open this 10k fd account they will lien mark on that fd and issue a credit card. Am I right. Ok I will open my account tomorrow and will update here.

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Donald-Trump wrote:

@Mitron56 so what’s the issuance charge of the debit card. In axis asap they charge 350+ as issuance charge. So if I open this 10k fd account they will lien mark on that fd and issue a credit card. Am I right. Ok I will open my account tomorrow and will update here.

You will be charged 150 + GST for debit card. What I did was first open the account without funding, later when iMobile got activated I created a FD extra.

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Deal Newbie
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Mitron56 wrote:

You will be charged 150 + GST for debit card. What I did was first open the account without funding, later when iMobile got activated I created a FD extra.

Guys today when I tried to open Insta FD account in ICICI website. When filling details the system showing I already have account with ICICI. So I opened my account with a different mobile no. and my account got opened.
But Few months back(maybe 8 months) I filled a online regular savings account(10k mab) application form in ICICI website after that I never opened my account. But today when send a sms IBAL to 5676766 from my old no. It’s showing my a/c no.xxxxxx3660 bal Rs.0.00. So how they opened my savings account without informing me. Now what should I do. Will they charge for not maintaining minimum balance in my new Insta FD account. Both account have same kyc documents (PAN, AADHAAR).

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Deal Cadet
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I am already using imobile app having icici amazon pay credit card. Now i want to open saving account what r the options?? Can i open with same mobile no linked to credit card. Pls tell requirements .. is it totally online or have to visit bank branch

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Deal Newbie
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Mitron56 wrote:

You will be charged 150 + GST for debit card. What I did was first open the account without funding, later when iMobile got activated I created a FD extra.

So v have to open normal insta account and later make fd to get credit card..? Then how to get zero balance account.?

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varcvn24 wrote:

So v have to open normal insta account and later make fd to get credit card..? Then how to get zero balance account.?

Open Insta Save FD account, it requires a FD of min. 10K for zero balance. So with one FD you get both credit card and zero MAB.

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Deal Newbie
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Mitron56 wrote:

Open Insta Save FD account, it requires a FD of min. 10K for zero balance. So with one FD you get both credit card and zero MAB.

Thanks . Whether v should make fd during account opening process itself or v can make fd after account opening ?

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Deal Newbie
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@Mitron56 opened my account on Sunday,8th March. When I’ll expect to receive my Debit card? Should I do my 10k FD now or should I wait to receive the Debit card then make an FD? I can login to NetBanking see all my account details.

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Deal Newbie
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@Src_045 @Aveejeet @Mitron56 I opened my InstaSave account Sunday. Today I send 10K from my HDFC account. Done a FD Xtra through NetBanking while opening FD Xtra I got a option to select Instant Platinum Credit Card so I applied. But in NetBanking no FD is showing in Fixed Deposit section. Please help 10K is a lot of money for me. ICICI customer care worthless no option to talk to someone.

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