Changed Bank of Baroda savings account variant from Advantage Savings Account to Super Savings Account

[sahil1033]

I funded my Bank of Baroda Advantage Savings Account so that balance is above Rs. 20k and went to the bank, got the savings account variant changed to Super Savings Account.

Now, as usual, my thumb rule is, I'm more knowledgeable than the people sitting at the bank. I knew and even showed them on the website that QAB requirement is Rs. 20k for Super Savings Account but 2 ladies (bank employee) kept telling me, it's Rs. 50k. I told them to go ahead and change the account variant since I have proof from the website that the QAB is Rs. 20k and I'll keep a screenshot of the same if and when I'm being charged for non maintenance of QAB. After this transition was successfully done, the lady again told me that it's showing as Rs. 50k and after a few minutes I got to know that the 50k limit is for auto sweep in and sweep out. I asked them to turn this auto sweep in and sweep out OFF to which the lady said, why did you change to this account then? That's the main feature of this account and can't be done. I could've given a big lecture on it but since I didn't have much time and I had gone to the bank during office hours, I came back home.

Now, my queries are :

- Is the QAB 20k or 50k for this account? I'm pretty sure it's 20k but still confirming.
- How can I disable this sweep in and sweep out? Can it be done via bob world app or internet banking?
- I had generated virtual RuPay Platinum debit card, that shall remain active, right?

Bank of Baroda geeks and people holding the same account, any help is appreciated.

 

[Anindya98]

Any idea what is the max limit?

No idea .

 

[ashwinikumar900]

Why do you want to close it (auto sweep) off?

 

[ashwinikumar900]

I funded my Bank of Baroda Advantage Savings Account so that balance is above Rs. 20k and went to the bank, got the savings account variant changed to Super Savings Account.

Now, as usual, my thumb rule is, I'm more knowledgeable than the people sitting at the bank. I knew and even showed them on the website that QAB requirement is Rs. 20k for Super Savings Account but 2 ladies (bank employee) kept telling me, it's Rs. 50k. I told them to go ahead and change the account variant since I have proof from the website that the QAB is Rs. 20k and I'll keep a screenshot of the same if and when I'm being charged for non maintenance of QAB. After this transition was successfully done, the lady again told me that it's showing as Rs. 50k and after a few minutes I got to know that the 50k limit is for auto sweep in and sweep out. I asked them to turn this auto sweep in and sweep out OFF to which the lady said, why did you change to this account then? That's the main feature of this account and can't be done. I could've given a big lecture on it but since I didn't have much time and I had gone to the bank during office hours, I came back home.

Now, my queries are :

- Is the QAB 20k or 50k for this account? I'm pretty sure it's 20k but still confirming.
- How can I disable this sweep in and sweep out? Can it be done via bob world app or internet banking?
- I had generated virtual RuPay Platinum debit card, that shall remain active, right?

Bank of Baroda geeks and people holding the same account, any help is appreciated.

Why do you want to close Auto-sweep off? And yes, the QAB is 20K.

 

[Venom_06]

For me it got updated on same day in app it changes

Did you get any SMS from them?

 

[sidmanraj]

what is the MAQ balance to get rupay select in Canara and IOB bank??

 

[Anindya98]

what is the MAQ balance to get rupay select in Canara

O MAB, I got the RSDC with my Aspire account.

 

[Kukku]

I funded my Bank of Baroda Advantage Savings Account so that balance is above Rs. 20k and went to the bank, got the savings account variant changed to Super Savings Account.

Now, as usual, my thumb rule is, I'm more knowledgeable than the people sitting at the bank. I knew and even showed them on the website that QAB requirement is Rs. 20k for Super Savings Account but 2 ladies (bank employee) kept telling me, it's Rs. 50k. I told them to go ahead and change the account variant since I have proof from the website that the QAB is Rs. 20k and I'll keep a screenshot of the same if and when I'm being charged for non maintenance of QAB. After this transition was successfully done, the lady again told me that it's showing as Rs. 50k and after a few minutes I got to know that the 50k limit is for auto sweep in and sweep out. I asked them to turn this auto sweep in and sweep out OFF to which the lady said, why did you change to this account then? That's the main feature of this account and can't be done. I could've given a big lecture on it but since I didn't have much time and I had gone to the bank during office hours, I came back home.

Now, my queries are :

- Is the QAB 20k or 50k for this account? I'm pretty sure it's 20k but still confirming.
- How can I disable this sweep in and sweep out? Can it be done via bob world app or internet banking?
- I had generated virtual RuPay Platinum debit card, that shall remain active, right?

Bank of Baroda geeks and people holding the same account, any help is appreciated.

How much time it will take for the upgrade?
Is your branch is in semi urban or urban?

 

[ritwik2000]

How to downgrade from super savings to advantage? Anyone who has done it pls help.

 

[Anindya98]

How much time it will take for the upgrade?

Max 2 days.

How to downgrade from super savings to advantage? Anyone who has done it pls help.

Visit the branch and submit the downgrade application, which will be done within a day. It's the easiest and fastest way.

 

[ritwik2000]

Max 2 days.

Visit the branch and submit the downgrade application, which will be done within a day. It's the easiest and fastest way.

thank you .

 

[Anindya98]

thank you .

Are you downgrading the Super Savings Account?

 

[virat#889]

How to downgrade from super savings to advantage? Anyone who has done it pls help.

If you downgrade within six months of opening the account, RSDC charges may apply. Just keep this in mind and confirm it, as I came across this information in some other post.

 

[ritwik2000]

If you downgrade within six months of opening the account, RSDC charges may apply. Just keep this in mind and confirm it, as I came across this information in some other post.

more than 6 months passed thats why thinking to downgrade

 

[ritwik2000]

Are you downgrading the Super Savings Account?

yes . .

 

[virat#889]

more than 6 months passed thats why thinking to downgrade

Check this thread

 

[ritwik2000]

RSDC also will be blocked once u downgrade
Check this

No issues. I will then simply close that account and again open a fresh Super Savings offline xD

 

[Anindya98]

RSDC also will be blocked once u downgrade

It will not be blocked. Many have downgraded the account and are using the RSDC.

 

[Kukku]

My branch even asked for balance. They even didn't know the minimum balance for the account I think. I just submitted hand written application via email. They instantly started the process. With in two working days they upgraded the account. They Even want to apply DC for me.. but I did it my self. my branch was so coperative than any other private banks. I never met met them actually.everything done thorough online and phone. Today I received my second Select DC. My hunt for Select debit ends here. One of the best banking experience for me. Ignorance is bliss.

 

[VSC]

My branch even asked for balance. They even didn't know the minimum balance for the account I think. I just submitted hand written application via email. They instantly started the process. With in two working days they upgraded the account. They Even want to apply DC for me.. but I did it my self. my branch was so coperative than any other private banks. I never met met them actually.everything done thorough online and phone. Today I received my second Select DC. My hunt for Select debit ends here. One of the best banking experience for me. Ignorance is bliss.

How many days after applying , did you get the debit card?

 

[Anindya98]

How many days after applying , did you get the debit card?

Card delivery will take 10 - 15 days.