General Banking Discussions Thread

[John Since]

IndusInd Bank: Savings A/C, FD - Apps on Google Play

Mobile Banking App for Savings Account, FD, Personal Loan & Mutual Funds

play.google.com

New digital bank with good rewards launched by Indusind

 

[neo.puneet]

Imps is free on few bank(sbi,kotak,indus,bob).

ironically i have all these 4 but i liked indie app for imps payments
- i have home loan from sbi but don't like anything related to sbi except their cashback credit card which i still wonder how they are paying 5%
- i love kotak app but i wanted a separate bank account for digital only transactions and i was using dbs from 4-5 years until they started harassing me recently for personal loan offers.
- bob - i'm keeping just because I would transfer my home loan in bob next year and then will close sbi account

 

[AritraSaha]

You are not wrong, but then again, it depends on where your bank is located. If it's in a posh area, your experience will be good, and if it's located in a not-so-posh area... baad main ana lunch break chal raha hai 🤣

Me go after lunch-break. Only talk to bm. He usually do things quickly.(atleast that day).

Its like i am in puri during rath-yatra.

 

[4uziaul]

I am going to close SBI tomorrow. It's lying like dud without a single rupee.
Want to close Jupiter too but the app fluifity keeps me thinking.
Rest will have Kotak and Indus exclusive and Indie continuing.
Is there any benefit of SBI for which I shouldn't close it? 🤔

Don't see any advantage of holding SBI account. Never got a offer from them. 😄

 

[AritraSaha]

I am going to close SBI tomorrow. It's lying like dud without a single rupee.
Want to close Jupiter too but the app fluifity keeps me thinking.
Rest will have Kotak and Indus exclusive and Indie continuing.
Is there any benefit of SBI for which I shouldn't close it? 🤔

Sbi has the largest atm network, but usually no money in there.

Loan & cc are good in sbi

 

[4uziaul]

Sbi has the largest atm network, but usually no money in there.

Loan & cc are good in sbi

Spot on! 🤣👏😜

 

[AritraSaha]

I mainly use 2 account.
1. Icici for investment, sip
2. Kotak for (p2p upi, savings) this account change with time..(previous hdfc)
3. And rupay cc(upi p2m).

 

[BUDHRAJ]

W
When did you tried like time?

during day time..

 

[BUDHRAJ]

i tried to transfer funds via imps, money debited but not credited to benifeciary yet, nor refunded back yet..
again tried to transfer, money debited and refunded..
3rd time tried with upi and succesfully transferred.

now funds of first transaction i.e. 15000 are stuck, already mailed them. indie's funds transfer is not working properly.


anything else i can do to get back my money quickly.

 

[AritraSaha]

i tried to transfer funds via imps, money debited but not credited to benifeciary yet, nor refunded back yet..
again tried to transfer, money debited and refunded..
3rd time tried with upi and succesfully transferred.

now funds of first transaction i.e. 15000 are stuck, already mailed them. indie's funds transfer is not working properly.


anything else i can do to get back my money quickly.

Call them

 

[John Since]

Sbi has the largest atm network, but usually no money in there.

Loan & cc are good in sbi

ATM network toh hai
But have Indus Exclusive and Now Indie which permits unlimited cash withdrawals free of charge from any ATM.
So don't see much benefit holding SBI now.

 

[AritraSaha]

Yeah. Close it.

 

[Arun Pratheep]

Got this WhatsApp message from Indus

 

[gowthamv]

Anyone able to track the status of Physical Card Delivery/Dispatch?

 

[rafzy]

Anyone able to track the status of Physical Card Delivery/Dispatch?

nop

 

[AritraSaha]

U should get within 10days

 

[Nilanchal]

Let me update something more about this account.
-Imps/neft - first 24hrs 50k transfer limit.
-Sms charges are free.
-Physical card will be delivered within 7-10 business days as cnf by customer care.
-Unlimited free cash deposit also for top tier.
-Zero account closure fee

Their QA team is covid batch I guess, we used to build such apps in our clg 😂
Tip to developers given by me - Super otp feature should be made available for bank based usage also like adding payee etc not only to e-commerce based otp due to laaatteee otps😅

 

[Gau₹av]

Off Topic:- What was the Diwali offer that you have mentioned?

Lifetime free 0 balance Indus Exclusive account after initial funding of 4 lakh and lifetime free debit cards. Got Visa Signature Exclusive, Mastercard World Exclusive and Visa Virtual Gold debit card - all 3 LTF on a single account = more reward points. Also got Legend with 3L credit limit soon after. Similar offer was also there for Indus partner account which both my parents opened (LTF 0 balance account after initial funding of 2L and LTF Partner debit card). Exclusive DC however is very rewarding in terms of RPs, reward rate approx ~ 0.93% and up to ₹3000 per month. Also 0% forex although for forex transactions, I prefer 0% forex credit cards over debit.

 

[Stargod]

Jupiter & Fi also started this way with 0 everything . Now introduced DC AMC, Other charges, MAB , Reward devaluation. In-die megachad is Fi-Jupiter in making.

 

[Stargod]

Lifetime free 0 balance Indus Exclusive account after initial funding of 4 lakh and lifetime free debit cards. Got Visa Signature Exclusive, Mastercard World Exclusive and Visa Virtual Gold debit card - all 3 LTF on a single account = more reward points. Also got Legend with 3L credit limit soon after. Similar offer was also there for Indus partner account which both my parents opened (LTF 0 balance account after initial funding of 2L and LTF Partner debit card). Exclusive DC however is very rewarding in terms of RPs, reward rate approx ~ 0.93% and up to ₹3000 per month. Also 0% forex although for forex transactions, I prefer 0% forex credit cards over debit.

Missed it bro. Tag me if it comes live again.

 

[gowthamv]

Missed it bro. Tag me if it comes live again.

Same here. Seems to be a good offer. But missed it.