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.

 

[Rajx99]

Nice Collection 👍
Do you have Chq Book, DC for all regular bank account !!
How do you manage NB MB for above all !!
How do you use all of them efficiently !!

I only have 3/4 chq books, most of them have dc except few
I just maintain the minimum required balance in most of them
I don't, I only use 2-3 main banks regularly

 

[hender]

I only have 3/4 chq books, most of them have dc except few
I just maintain the minimum required balance in most of them
I don't, I only use 2-3 main banks regularly

What about net banking or mobile banking!!

 

[Rajx99]

What about net banking or mobile banking!!

have mobile banking for all of them except rbl, bandhan & ujjivan. Around half of them have Netbanking

 

[praful1947]

have mobile banking for all of them except rbl, bandhan & ujjivan. Around half of them have Netbanking

According to you , which banks net banking and mobile banking is excellent?

 

[hender]

According to you , which banks net banking and mobile banking is excellent?

have mobile banking for all of them except rbl, bandhan & ujjivan. Around half of them have Netbanking

How's your experience with functionalities, features and options available in banking apps,
(Account Management, Fund Transfer, DC Chq Book Management, Limits, etc)
How do you rank them.

 

[Rajx99]

How's your experience with functionalities, features and options available in banking apps,
(Account Management, Fund Transfer, DC Chq Book Management, Limits, etc)
How do you rank them.

I don't use them often except IDFC, HDFC and karnataka bank, so I dont know much. I just opened many accounts whenever required

 

[VJN]

I don't use them often except IDFC, HDFC and karnataka bank, so I dont know much. I just opened many accounts whenever required

Among IDFC vs HDFC, which Bank would you say is better based on IB/MB features and overall customer experience?

 

[Rajx99]

Among IDFC vs HDFC, which Bank would you say is better based on IB/MB features and overall customer experience?

I’m new to HDFC Bank, but here’s what I’ve noticed so far:
HDFC is much better when it comes to transaction alerts on email — it’s the fastest I’ve seen after Axis. In comparison, IDFC doesn’t send email alerts for transactions.
Mobile banking with IDFC isn’t that good either. For the past three months, the iOS app has been auto-logging out on both my phone and my mom’s, which is very annoying.
The HDFC app seems good, and even HDFC NetBanking feels better.

I don't have great customer experience with both the banks.

 

[TripleAce]

Every morning at around 7:15 am, IndusInd sends an SMS to remind me how poor I’m 🫤

 

[VJN]

I’m new to HDFC Bank, but here’s what I’ve noticed so far:
HDFC is much better when it comes to transaction alerts on email — it’s the fastest I’ve seen after Axis. In comparison, IDFC doesn’t send email alerts for transactions.
Mobile banking with IDFC isn’t that good either. For the past three months, the iOS app has been auto-logging out on both my phone and my mom’s, which is very annoying.
The HDFC app seems good, and even HDFC NetBanking feels better.

I don't have great customer experience with both the banks.

Got it, thank you sharing your experience. I have been a long term Kotak Bank customer and have not had much complaints. Hence, wanted to know if HDFC/IDFC provided a better experience good enough to transition to it.

 

[TripleAce]

I’m new to HDFC Bank, but here’s what I’ve noticed so far:
HDFC is much better when it comes to transaction alerts on email — it’s the fastest I’ve seen after Axis. In comparison, IDFC doesn’t send email alerts for transactions.
Mobile banking with IDFC isn’t that good either. For the past three months, the iOS app has been auto-logging out on both my phone and my mom’s, which is very annoying.
The HDFC app seems good, and even HDFC NetBanking feels better.

I don't have great customer experience with both the banks.

IDFC is 🆒
Their SMS is always prompt and I do get email notifications everytime. Even the app is decent.
Only issue - No CC offers sadly 🫤

 

[praful1947]

Hello Friends Does Jupiter also offers CSB Savings Account for CSB Credit Card users ?

What's the benefit of csb ?

 

[ashwinkashwink is verified member.]

What's the benefit of csb ?

Jewels redemption into cash 😉

 

[Donald J. Trump]

Every morning at around 7:15 am, IndusInd sends an SMS to remind me how poor I’m 🫤

Same with HDFC, spams email daily. MF i Know I am a rich real-estate developer & POTUS

 

[RS_]

HDFC - Primary
BOB - IPO ASBA and Investment
Indusind Delight - UPI and other secondary payments
Canara - Dormant

 

[Adith]

HDFC - Salary account. I like the new UI --> EasyShop Plat for autopayments .

ICICI - My oldest account and original salary account , 0 mab with CC having above 4L limit --> Use it mainly for their iWish RD

IDFC - Got the 10k variant as 0MAB for the CC autopay offer --> used it for cc bill payment and i usually put money in it for interest rate

Indusind - Exclusive variant , 0Mab with pinnacle as surrogate --> used the 3 DCs for BMS, 20% discount on bigbasket etc . Major usecase is their 0 forex 0 atm withdrawal DC that was a game changer for me at Ireland.

Canara Bank - 2k Mab account --> RSDC

IOB - Public account , i think same 2k Mab --> RSDC

Kotak Super 811 - got it for Metal DC --> Use it mainly for 5% on fuel when park+ route is not available

Airtel PB - 0 mab --> Got it for the Airtel NCMC card since i can update balanmce with my phone's NFC

Full KYC Wallets :

Payzapp --> Simply activated when i got HDFC acc
Amazon --> Simply activated
Mobikwik --> Amex loading
Ebix --> CC bill pay


Wife :

Suryoday - Basic variant --> FD ( amazing value)
Indian Bank - salary account --> RSDC and useless in every other way

Note : also have family members with account in Federal Bank, BOB , SBI . Haven't decided if I want to have my own in these ones yet.

 

[tharun]

Suryoday - Basic variant --> FD ( amazing value)

I hold an fd from stable money so CS from suryoday called me up too open savings account for which i flatly refused
Let us know what's amazing in it
View attachment uxL1yK.mp4

 

[Adith]

I hold an fd from stable money so CS from suryoday called me up too open savings account for which i flatly refused
Let us know what's amazing in it
View attachment 108957

Their FD rate is amazing, everything else is crap . Thats why i put it in bracket. They also have RSDC but i have been unlucky in getting it till now.

 

[tharun]

Thats why i put it in bracket.

I thought you meant for suryoday services not just FD
As far as fd no need for account we can do with stable money, abcd and other Fintech apps

 

[Adith]

I thought you meant for suryoday services not just FD
As far as fd no need for account we can do with stable money, abcd and other Fintech apps

Agreed but this acc was opened atleast 3-4 years ago . At that time, we just wanted a second account for wife at a SFB. Now the same can be invested via tata neu and stuff.