IOB online account opening detailed process - Best for RSDC

[devsfinance]

Why not visit branch Directly and ask BM about ur situation?
They can convert ur account in 10mins

Same or any branch?Had to visit the branch 2 times just for opening account. (First time It was 4:02 PM so they told to come back the next day.)
And the staff obviously isn’t very helpful not sure how the verbal interaction may carry out.

Hence wanted some written evidences with me as well. So that if it comes to that I can also complain to RBI and have proof for the same as well

 

[Ram1]

Same or any branch?Had to visit the branch 2 times just for opening account. (First time It was 4:02 PM so they told to come back the next day.)
And the staff obviously isn’t very helpful not sure how the verbal interaction may carry out.

Hence wanted some written evidences with me as well. So that if it comes to that I can also complain to RBI and have proof for the same as well

Home branch
Tell them u r going to rbio if not resolved in a day

 

[devsfinance]

Home branch
Tell them u r going to rbio if not resolved in a day

Yes will be going there mostly next/next to next week now(as quarter is just started)

And say the same. But I am still wondering do I have a good case here for RBIO? I am not sure they will help me post the complaint if there is no case and there is only one branch in my locality. Hence a bit afraid.

 

[Ram1]

Yes will be going there mostly next/next to next week now(as quarter is just started)

And say the same. But I am still wondering do I have a good case here for RBIO? I am not sure they will help me post the complaint if there is no case and there is only one branch in my locality. Hence a bit afraid.

U do have good case for rbio. But why waste time and unnecessary quarrels.
Meet BM, issue will be resolved

 

[devsfinance]

U do have good case for rbio. But why waste time and unnecessary quarrels.
Meet BM, issue will be resolved

Yes correct will be visiting branch soon and update here

 

[Bart Simpson]

Does you have IOB RSDC issue charges ?

 

[Ram1]

Does you have IOB RSDC issue charges ?

Read main page

 

[safetorpedo2]

Guys I had done vkyc on 29th oct
After vkyc there has been no sign of account details yet

Opening the account opening tracking page shows my details don’t exist
Opening the vkyc link shows meeting already done

How many days is the tat for this?

 

[devsfinance]

Today I went to open IOB account. I requested to open this account as I wanted Rupay select debit card he said he can not open such account as there are lots of fraud happening.

And said he can only open generic saving account which he has. I demanded a good reason but still he didn’t open he said he is opening SB Pub account which will have rupay classic card as I had read here I thought I will apply for upgrade as the guys there didn’t budge at all and had no fear(typical PSU I guess).

He said that I will get card with thank you letter and I can collect passbook from there and asked to fund the account with 1000rs and keep 1000 balance.

When I went to passbook desk the person said that his system isnt working and I will have to come on Monday.
Just came home and opened the app. It shows SAVINGS ACCOUNT - BASIC SAVINGS BANK DEPOSIT ACCOUNT.

Now I had a few questions looks like its BSBDA account. Is it correct to see this in app can anyone confirm. Will I get option to upgrade to rupay select or should I now fight to change my account variant.

Branch folks were not at all helpful at all so not sure if they will help in converting account(probably location specific as heard good reviews from you all)

After the complaint did not get contacted by branch. Today I contacted branch(BM picked up my call) I directly asked whats the procedure to complain in RBI ombudsman as its already way past a month since I had raised complained with you. He asked whats the issue and gave the phone to person who opened my account.

The guy was really helpful now he changed my account type now app shows(SAVINGS ACCOUNT - PUBLIC) and added email address as well.

Thank you @zomatoo @Ram1 and @Garry and others who helped along the way.

Although still I have PMJDY debit card, can’t apply from app it says account already linked with debit card and no upgrade option available.

Will check net banking once but I had a question before upgrading. I checked the card product page on IOB site. It seems like there is conditional lounge(5k) with this, as I mostly used to give away CULT vouchers as I don’t have cult in my state and recently there is some restrictions according to other thread. I don’t see much benefits in this RSDC(wanted primarily for lounge). Is this worth it anymore? Any idea where I should spend those 5k as we primarily use CC/UPI at most places.

What all benefits this RSDC has(and their refresh cycle)? Wanted opinion on whether to upgrade or not.

 

[zomatoo]

After the complaint did not get contacted by branch. Today I contacted branch(BM picked up my call) I directly asked whats the procedure to complain in RBI ombudsman as its already way past a month since I had raised complained with you. He asked whats the issue and gave the phone to person who opened my account.

The guy was really helpful now he changed my account type now app shows(SAVINGS ACCOUNT - PUBLIC) and added email address as well.

Thank you @zomatoo @Ram1 and @Garry and others who helped along the way.

Although still I have PMJDY debit card, can’t apply from app it says account already linked with debit card and no upgrade option available.

Will check net banking once but I had a question before upgrading. I checked the card product page on IOB site. It seems like there is conditional lounge(5k) with this, as I mostly used to give away CULT vouchers as I don’t have cult in my state and recently there is some restrictions according to other thread. I don’t see much benefits in this RSDC(wanted primarily for lounge). Is this worth it anymore? Any idea where I should spend those 5k as we primarily use CC/UPI at most places.

What all benefits this RSDC has(and their refresh cycle)? Wanted opinion on whether to upgrade or not.

Lakme/Aprime to hai or Uber/Ola personal use ke liye best hai

 

[devsfinance]

Lakme/Aprime to hai or Uber/Ola personal use ke liye best hai

Yup APrime is something that’s making me consider that is annual, are others quarterly in this too?

 

[safetorpedo2]

I did vkyc on 29th oct
Still no sign of account number or anything from them
Any idea how long will be the wait? 😢

 

[zomatoo]

Yup APrime is something that’s making me consider that is annual, are others quarterly in this too?

Y E S

 

[devsfinance]

After the complaint did not get contacted by branch. Today I contacted branch(BM picked up my call) I directly asked whats the procedure to complain in RBI ombudsman as its already way past a month since I had raised complained with you. He asked whats the issue and gave the phone to person who opened my account.

The guy was really helpful now he changed my account type now app shows(SAVINGS ACCOUNT - PUBLIC) and added email address as well.

Thank you @zomatoo @Ram1 and @Garry and others who helped along the way.

Although still I have PMJDY debit card, can’t apply from app it says account already linked with debit card and no upgrade option available.

Will check net banking once but I had a question before upgrading. I checked the card product page on IOB site. It seems like there is conditional lounge(5k) with this, as I mostly used to give away CULT vouchers as I don’t have cult in my state and recently there is some restrictions according to other thread. I don’t see much benefits in this RSDC(wanted primarily for lounge). Is this worth it anymore? Any idea where I should spend those 5k as we primarily use CC/UPI at most places.

What all benefits this RSDC has(and their refresh cycle)? Wanted opinion on whether to upgrade or not.

Sadly an update can’t register for netbanking they are asking for either card details/branch option.

Card details not shown in app 🙁 and card isn’t delivered(it’s been a month)

 

[zomatoo]

Sadly an update can’t register for netbanking they are asking for either card details/branch option.

Card details not shown in app 🙁 and card isn’t delivered(it’s been a month)

Block kardo card ko

 

[devsfinance]

Block kardo card ko

I did some back and forth and activate etc. and got upgrade option in app. Although not sure now how much will I be charged as it was from app and not website(as OP mentioned)

I was on call with CC and the person said it’s not possible according to me you should see full virtual card there but I was only shown first and last 4 digits. Other numbers were asterisks. So I asked him regardless of I have this card or not if I upgrade will I get new card or not he confirmed that I will get it and old one will be blocked automatically.

 

[iamabhisekagar]

I have been receiving lot of dms regarding IOB account opening process and for RSDC.
So putting everything in one thread.

Account opening process
1. Open this link

https://vkyc.iob.in/customerVkyc

Choose account variant - SAVINGS ACCOUNT - PUBLIC
its mab is very low 100/200 only without chequebook

2. Fill all ur personal details.
UnTick debit card
Untick chequebook
Tick netbanking and mobile banking

3. Submit application and do video kyc.

4. U will receive user id password of netbanking in the mail after account opening usually takes 3 to 1week.

5. In netbanking, apply rupay select debit card.
Rupay select dc fee 800JF/800AF

Trick to get RSDC at low price
Untick dc while opening account.
login into netbanking and apply rupay classic at 150+gst.
After 4 5 days , Use debit card upgrade option in netbanking or app from rupay classic to rupay select.
Upgrade fee only 350+gst

Overall 150+350 = 500+gst instead of 800+gst.
300 saved in joining fee


Overall 800 fee RSDC at 100/200mab is a great choice

I have a query: how will net banking get activated without a debit card?

 

[Ram1]

I have a query: how will net banking get activated without a debit card?

U will get netbanking details in email once account activated

 

[AjinkyaDadoo]

In upgrade section I see Rupay select ncmc debit card. Is it the same rsdc that is being discussed here.

 

[Ram1]

In upgrade section I see Rupay select ncmc debit card. Is it the same rsdc that is being discussed here.

Y e s go-ahead