Please suggest me savings account as per few criteria

[TOUSIF_AHMED]

Please suggest me some / list of savings account where 1. Debit card is free, 2. No sms alerts charges, 3. No IMPS charges. These are the charge which itches my eyes. I am ready to keep minimum balance of upto 1 lakh. Also i do 10-16. Earlier i was having kotak 811 they called me & started crying. Bro my money i send what's your problem if i receive so many amount then cry. He told to upgrade account so i went to branch & closed it.

 

[hender]

Please suggest me some / list of savings account where 1. Debit card is free, 2. No sms alerts charges, 3. No IMPS charges. These are the charge which itches my eyes. I am ready to keep minimum balance of upto 1 lakh. Also i do 10-16. Earlier i was having kotak 811 they called me & started crying. Bro my money i send what's your problem if i receive so many amount then cry. He told to upgrade account so i went to branch & closed it.

Have you considered ; 10k IDFC !!

 

[TOUSIF_AHMED]

Have you considered ; 10k IDFC !!

No sir. It's because no branch near me only at city. If suppose they also freeze my account then it will be problem. Note. I don't do any illegal things but if they mistakenly does then i have to worry. If you tell that this idfc is not like that then i shall open.

 

[praful1947]

No sir. It's because no branch near me only at city. If suppose they also freeze my account then it will be problem. Note. I don't do any illegal things but if they mistakenly does then i have to worry. If you tell that this idfc is not like that then i shall open.

If you are worried so much , then you should not open account in private banks.
If their system detects unusual debit credit they your account will freeze no matter how much you maintain in account.

Debit card is free only on two account variants BSBDA and salary account.
Excluding IDFC and HDFC saving max .

 

[TOUSIF_AHMED]

If you are worried so much , then you should not open account in private banks.
If their system detects unusual debit credit they your account will freeze no matter how much you maintain in account.

Debit card is free only on two account variants BSBDA and salary account.
Excluding IDFC and HDFC saving max .

Ok, thanks for answer. Actually earlier i was having govt bank account but their upi sux .

 

[hender]

No sir. It's because no branch near me only at city. If suppose they also freeze my account then it will be problem. Note. I don't do any illegal things but if they mistakenly does then i have to worry. If you tell that this idfc is not like that then i shall open.

Sorry, Can't comment/assure you ; on freezing - I don't have IDFC as account.

 

[ankit ojha]

S B I

 

[Trust Me]

S B I

Debit card is free at SBI ?!
.

 

[stylist]

Free BOB light zero balance account but if you keep 3000 aqb they will give free rupay platinum debit card (physical) too along with free virtual rupay platinum debit card which is free regardless of 3000 aqb. You can disable sms from app
Hdfc max at 25000 amb
Sbi insta saving account virtual dc free

 

[stylist]

And if you are between 18-28 then canara aspire is best because it's rupay platinum debit card ( physical and free ) also provide benefits similar to rupay select dc . Zero balance zero charges across the board as far as I know

 

[TOUSIF_AHMED]

And if you are between 18-28 then canara aspire is best because it's rupay platinum debit card ( physical and free ) also provide benefits similar to rupay select dc . Zero balance zero charges across the board as far as I know

Bro , i am 40 yr Uncle. Kuch saal me senior citizen ho jaunga. Anyways thanks for answer.

 

[Dr.AMAN]

Please suggest me some / list of savings account where 1. Debit card is free, 2. No sms alerts charges, 3. No IMPS charges. These are the charge which itches my eyes. I am ready to keep minimum balance of upto 1 lakh. Also i do 10-16. Earlier i was having kotak 811 they called me & started crying. Bro my money i send what's your problem if i receive so many amount then cry. He told to upgrade account so i went to branch & closed it.

IDFC first bank checks out most of ur requirements. Because u r ready to park 1 lakh then better open their 25k MAB account. U will get their Visa Platinum DC with truely unlimited transactions with quarterly once Airport lounge access.They r not doing as many account freezes as they uses to do 2 yrs back. I have done some heavy transactions including international wire transfers. Never faced a single issue till date. U will be safe unless u do heavy upi transactions daily. U wont have the need to go to branch. I havent gone there for the last 2 yrs since account opening even though the branch is just 20min away from my house. I would have suggested Slice account to u but given ur fear of account freeze I would advise against it for time being.

 

[VasukiVasuki is verified member.]

Please suggest me some / list of savings account where 1. Debit card is free, 2. No sms alerts charges, 3. No IMPS charges. These are the charge which itches my eyes. I am ready to keep minimum balance of upto 1 lakh. Also i do 10-16. Earlier i was having kotak 811 they called me & started crying. Bro my money i send what's your problem if i receive so many amount then cry. He told to upgrade account so i went to branch & closed it.

1- jana exclusive account ( very good algorithm) 1 lakh ip I think no maintenance
Rupay select dc gives u more than u pay

2- hdfc normal /saving max with 1 lakh ip and enroll in classic banking program
Dc is free
New hdfc app is cool 😎

Both bank u can rely

Make sure u give 3-4 X in income to bank.
If u earn 6 lakh update 18 lakh with bank

It make sure not too much system flag

 

[praful1947]

Bro , i am 40 yr Uncle. Kuch saal me senior citizen ho jaunga. Anyways thanks for answer.

Is case me aap current account lelo HDFC ka .

 

[theflash]

Is case me aap current account lelo HDFC ka .

Individual CA would be better no 🤔

But won't they consider all payments as business?

 

[✪ D&C Cards Connoisseur 💳]

Please suggest me some / list of savings account where 1. Debit card is free, 2. No sms alerts charges, 3. No IMPS charges. These are the charge which itches my eyes. I am ready to keep minimum balance of upto 1 lakh. Also i do 10-16. Earlier i was having kotak 811 they called me & started crying. Bro my money i send what's your problem if i receive so many amount then cry. He told to upgrade account so i went to branch & closed it.

I would suggest you two accounts.
1. Deposit and maintain Rs 25000 in Bank of Maharashtra BSS25 savings account. Everything will be free including Rupay Select DC.
2. For receiving money, open BoB Lite Current account online, mention Trading as source of Income and just opt for Internet Banking & UPI, so it will be effectively free.