How many bank accounts do you have and for what purposes?

[raghavx]

I hold following bank accounts

1. ICICI Bank (Savings) - For salary crediting and investments
2. IDFC First Bank (Savings) - for savings purposes, it gives good rate of interest.
3. DBS - Idk why I am still holding this.
4. Paytm Payments Bank - Had opened it long back, not sure why I am holding this too.
5. Fi.money - For day to day transactions as my primary savings account would get cluttered with few hundred rupees transactions.
6. Jupiter - Had opened alongside with Fi, thinking to close this.

 

[varun__goel_]

Ab bekar hai khulwana if you cannot maintain
Ab superstar pe NMC charges lagta hai for all customers>1/05

Indie is worse than neo banks

Har mahine kuch naya syappa

 

[TheTrickySid]

but kotak charges me for debit card

it jst charges 150 annualy for debit card..

 

[its_karan]

Indie is worse than neo banks

Har mahine kuch naya syappa

Waise toh Axis main lakh kamiyan hai
Par Liberty Chalana Truck chalane jaisa hai
Jab Truck chala liya, toh ye Indie kuch nahi lagte uske samne

 

[ritwik2000]

if there is no need of physical dc just block it. And then call cc and tell that you blocked the physical card and you need a virtual dc. If they dont agree give threat to close the account generally after that kotak agrees to issue vdc.

 

[#aniket]

if there is no need of physical dc just block it. And then call cc and tell that you blocked the physical card and you need a virtual dc. If they dont agree give threat to close the account generally after that kotak agrees to issue vdc.

Nothing will be asked just place a call and ask that you're willing to use Virtual Card only, not physical one. It will be blocked and reissued.

 

[doraemon]

Indie is worse than neo banks

Har mahine kuch naya syappa

Samjh Raha hu vmro🥺
Khud ko tasalli de rahe ho
Ex bhindi customer...

 

[keysmashkeysmash]

Just the pretty well known ones in the community.
Axis liberty - regularly getting the milestone voucher of 750 from just monthly mf investments. was getting 5 percent cashback on jewellery spends too by from weekend spends on a gold scheme. So pretty useful.
HDFC - 1 percent cashback on credit card bills from platinum card

 

[#aniket]

Seems he loves SBI very much that too blindly.

Whereas, Kotak is his Ex, who cheated on him. 🙂



majak tha bhai majak 🤣

 

[Thor04]

kotak charges 350 for debit card, plus cheque book charges, sbi charges 150 for debit card and no other charges. Plus kotak servers are bad sometimes tbh, In 2022 man I used to use kotak net banking and got my payment stuck so many times. Sbi net banking I barely use so cant say.

 

[Rahul Gupta]

kotak charges 350 for debit card, plus cheque book charges, sbi charges 150 for debit card and no other charges. Plus kotak servers are bad sometimes tbh, In 2022 man I used to use kotak net banking and got my payment stuck so many times. Sbi net banking I barely use so cant say.

Sbi is the worst bank in terms of servers uptime, transaction failure rate and service quality. So why exactly they are in business? Because its a psu bank and it wont run with your money.

Btw sbi increased dc charges last month its 200+gst now for classic ones.

 

[Thor04]

Sbi is the worst bank in terms of servers uptime, transaction failure rate and service quality. So why exactly they are in business? Because its a psu bank and it wont run with your money.

Btw sbi increased dc charges last month its 200+gst now for classic ones.

man see I use sbi and hdfc for savings account, all our current accounts are in hdfc... we are hdfc preffered, hdfc bank is nice but the rm is useless..

 

[Rahul Gupta]

man see I use sbi and hdfc for savings account, all our current accounts are in hdfc... we are hdfc preffered, hdfc bank is nice but the rm is useless..

I agree with you but usually all banks RM are useless.

 

[ccdc]

Any one know of bank account for receiving amts via upi that too atleast 20 transactions everyday and atleast 1l amt each day....and they don't freeze it... I'm looking for a saving account

 

[Rahul Gupta]

Any one know of bank account for receiving amts via upi that too atleast 20 transactions everyday and atleast 1l amt each day....and they don't freeze it... I'm looking for a saving account

Hdfc is best. They don't freeze accounts at all.

 

[COSMOCRAT]

HDFC (bsbda) - ( opened for CC, luckily got one using this account.) 2 months

Pre-approved? Which CC did you get?

 

[John Since]

Savings bank guidelines have been changed, no matter which bank it is.
If you are receiving 20 transactions every day, you should eventually switch to a current account to avoid freezes.
Not even SBI and HDFC will spare you.

 

[ccdc]

Savings bank guidelines have been changed, no matter which bank it is.
If you are receiving 20 transactions every day, you should eventually switch to a current account to avoid freezes.
Not even SBI and HDFC will spare you.

do you have any rbi rules in this regard...any link or any pdf?

 

[John Since]

do you have any rbi rules in this regard...any link or any pdf?

Nope. But you can ask the banks to provide them.

 

[techprince]

ICICI Wealth - Income / Fixed Expenses
IDFC Niyo - Savings
SBI Regular - Variable Expenses
HDFC Preferred - Joint with parents

 

[glnarayanan]

HDFC - Primary account, Imperia tier, used for salary, retirement savings

ICICI - Wealth management, zero balance, used for monthly expenses

IDFC - Secondary account, used for keeping short-term goal based liquid investments & to transfer USD for US stock investments

Kotak - Ex-Salary account, keeping because car loan & old company ESOPs are tied to it

IndusInd - Opened very recently, waiting for Pinnacle credit card to make it a 0 balance account, no major use case other than having preferred account number & branch convenience

SBI - oldest/my first ever bank account that I opened when I joined college. Keeping for nostalgia purposes.

I also have IndusInd Indie, Niyo SBM, and Niyo DCB that I'm in the process of closing.