Hi All,
So after using Citibank salary account for more than 12 years, I closed it just before getting converted to Axis. I didn't want to experience axis during the transition. So I opened ICICI Previlege salary account. Used it for 1 year. Soon after opening the account, they upgraded to wealth management variant. But then silently downgraded to Previlege variant last month. I was not so happy with that change. So I decided to close ICICI account and move to another bank.
I was considering HDFC, DBS and HSBC.
Faced some difficulty with HDFC. Their process was not easy. I went to three branches but all of them seemed like very unwelcoming. So I dropped the plan. The next choice was DBS. But then I was a little skeptical at some point. Then I moved to HSBC.
I had a bank representative for our organisation and I contacted him. He sent me a PDF to fill (editable pdf)
The docs required were photos of PAN, company ID, passport size photo, signature, and then aadhaar in XML format.
I gave all of that and he sent me a filled application form to verify. Once I checked all details, an OTP came to my email. I shared the OTP and that's it. Application was submitted.
(In the application i also selected to apply for credit card - visa platinum)
Next step was VKYC. He uploaded the aadhar XML and pan card and I got a link in email. I just completed the VKYC in a few minutes. Got a mail that it is also completed.
After this I didn't get any email or SMS. Next day morning I got an sms that account is created. But it didn't have the account number. Then I logged in to HSBC mobile app, registered using my PAN and I could see my account details.
Later I got an sms saying that I will get the instructions to activate debit card in 2 days.
I also got another sms saying that my cibil is fetched for credit card.
So far only this much has happened. I haven't got any mail for account opening.
Waiting for debit card and cheque book by post.
Overall the experience was smooth but they haven't informed anything after account opening. I'll update here what happens next.
So after using Citibank salary account for more than 12 years, I closed it just before getting converted to Axis. I didn't want to experience axis during the transition. So I opened ICICI Previlege salary account. Used it for 1 year. Soon after opening the account, they upgraded to wealth management variant. But then silently downgraded to Previlege variant last month. I was not so happy with that change. So I decided to close ICICI account and move to another bank.
I was considering HDFC, DBS and HSBC.
Faced some difficulty with HDFC. Their process was not easy. I went to three branches but all of them seemed like very unwelcoming. So I dropped the plan. The next choice was DBS. But then I was a little skeptical at some point. Then I moved to HSBC.
I had a bank representative for our organisation and I contacted him. He sent me a PDF to fill (editable pdf)
The docs required were photos of PAN, company ID, passport size photo, signature, and then aadhaar in XML format.
I gave all of that and he sent me a filled application form to verify. Once I checked all details, an OTP came to my email. I shared the OTP and that's it. Application was submitted.
(In the application i also selected to apply for credit card - visa platinum)
Next step was VKYC. He uploaded the aadhar XML and pan card and I got a link in email. I just completed the VKYC in a few minutes. Got a mail that it is also completed.
After this I didn't get any email or SMS. Next day morning I got an sms that account is created. But it didn't have the account number. Then I logged in to HSBC mobile app, registered using my PAN and I could see my account details.
Later I got an sms saying that I will get the instructions to activate debit card in 2 days.
I also got another sms saying that my cibil is fetched for credit card.
So far only this much has happened. I haven't got any mail for account opening.
Waiting for debit card and cheque book by post.
Overall the experience was smooth but they haven't informed anything after account opening. I'll update here what happens next.
