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Looking for an expense only account (more details below)

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kaykayporty

TF Select
I've been looking to simplify my expenses by having one source of outgoing expenses. I currently have SBI (for investments) and HDFC (for salary).

What I'm looking for is a third bank account for expenses only. Part of the money from my salary account would move here every month.

Features I want:
1. Autopay for CC (all CC even not bank CC)
2. Ease of opening online and subsequently no need to visit branch. Ever.
3. The home branch concept is stupid and absurd and it should not have that.
4. Reliable and fantastic desktop and mobile banking experience. No middle of the day maintenance windows.
5. (hopefully) zero spam. I don't want calls or upselling or cross selling.
6. 24 hours support in case something happens.
7. I have no problem maintaining up to 10,000 MAB. As long as it is not limiting my banking experience. I would be crediting 70-80K each month for expenses.

I'm considering ICICI, Kotak (idk if I should pick 811 or normal) and IDFC First bank account. I'm open to other options. Please provide detailed feedback.
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I do not care about offers or anything unnecessary. This is an expense account and this is what it should be. No credit card from this bank necessary (unless of course its a good one and they offer it but it is not a requirement.
 
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kaykayporty said:
I've been looking to simplify my expenses by having one source of outgoing expenses. I currently have SBI (for investments) and HDFC (for salary).

What I'm looking for is a third bank account for expenses only. Part of the money from my salary account would move here every month.

Features I want:
1. Autopay for CC (all CC even not bank CC)
2. Ease of opening online and subsequently no need to visit branch. Ever.
3. The home branch concept is stupid and absurd and it should not have that.
4. Reliable and fantastic desktop and mobile banking experience. No middle of the day maintenance windows.
5. (hopefully) zero spam. I don't want calls or upselling or cross selling.
6. 24 hours support in case something happens.
7. I have no problem maintaining up to 10,000 MAB. As long as it is not limiting my banking experience. I would be crediting 70-80K each month for expenses.

I'm considering ICICI, Kotak (idk if I should pick 811 or normal) and IDFC First bank account. I'm open to other options. Please provide detailed feedback.
---
I do not care about offers or anything unnecessary. This is an expense account and this is what it should be. No credit card from this bank necessary (unless of course its a good one and they offer it but it is not a requirement.
Click to expand...

Watch out this - https://www.technofino.in/community/threads/axis-bank-liberty-savings-account-benefits.1504/
 
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kaykayporty said:
I've been looking to simplify my expenses by having one source of outgoing expenses. I currently have SBI (for investments) and HDFC (for salary).

What I'm looking for is a third bank account for expenses only. Part of the money from my salary account would move here every month.

Features I want:
1. Autopay for CC (all CC even not bank CC)
2. Ease of opening online and subsequently no need to visit branch. Ever.
3. The home branch concept is stupid and absurd and it should not have that.
4. Reliable and fantastic desktop and mobile banking experience. No middle of the day maintenance windows.
5. (hopefully) zero spam. I don't want calls or upselling or cross selling.
6. 24 hours support in case something happens.
7. I have no problem maintaining up to 10,000 MAB. As long as it is not limiting my banking experience. I would be crediting 70-80K each month for expenses.

I'm considering ICICI, Kotak (idk if I should pick 811 or normal) and IDFC First bank account. I'm open to other options. Please provide detailed feedback.
---
I do not care about offers or anything unnecessary. This is an expense account and this is what it should be. No credit card from this bank necessary (unless of course its a good one and they offer it but it is not a requirement.
Click to expand...
In all major bank u can change ur branch with ease ..
 
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kaykayporty said:
I've been looking to simplify my expenses by having one source of outgoing expenses. I currently have SBI (for investments) and HDFC (for salary).

What I'm looking for is a third bank account for expenses only. Part of the money from my salary account would move here every month.

Features I want:
1. Autopay for CC (all CC even not bank CC)
2. Ease of opening online and subsequently no need to visit branch. Ever.
3. The home branch concept is stupid and absurd and it should not have that.
4. Reliable and fantastic desktop and mobile banking experience. No middle of the day maintenance windows.
5. (hopefully) zero spam. I don't want calls or upselling or cross selling.
6. 24 hours support in case something happens.
7. I have no problem maintaining up to 10,000 MAB. As long as it is not limiting my banking experience. I would be crediting 70-80K each month for expenses.

I'm considering ICICI, Kotak (idk if I should pick 811 or normal) and IDFC First bank account. I'm open to other options. Please provide detailed feedback.
---
I do not care about offers or anything unnecessary. This is an expense account and this is what it should be. No credit card from this bank necessary (unless of course its a good one and they offer it but it is not a requirement.
Click to expand...
You are asking for the most beautiful girl, from a very rich family , with all Indian traditions being followed , treats her man like a King etc etc

All these in one single girl. Please let me know if you find any.. not for me..

after you found someone like this , I would be very happy for you
 
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S S V said:
You are asking for the most beautiful girl, from a very rich family , with all Indian traditions being followed , treats her man like a King etc etc

All these in one single girl. Please let me know if you find any.. not for me..

after you found someone like this , I would be very happy for you
Click to expand...

We should suggest OP to marry 'SBI' after all '1000 lies for one marriage' 🙂

It checks all 7 points, very neatly.
 
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Bugs Bunny said:
Apt, vaise b mom is asking me to get married 🤣
Click to expand...
Nothing wrong in there, your mom is doing her motherly duty, unfortunately what she doesn't know is: there is no creature that exists in this world which posseses all those qualities..
But still hope is the essence of life..,
Hope continues, so as Life !!!!
 
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kaykayporty said:
I've been looking to simplify my expenses by having one source of outgoing expenses. I currently have SBI (for investments) and HDFC (for salary).

What I'm looking for is a third bank account for expenses only. Part of the money from my salary account would move here every month.

Features I want:
1. Autopay for CC (all CC even not bank CC)
2. Ease of opening online and subsequently no need to visit branch. Ever.
3. The home branch concept is stupid and absurd and it should not have that.
4. Reliable and fantastic desktop and mobile banking experience. No middle of the day maintenance windows.
5. (hopefully) zero spam. I don't want calls or upselling or cross selling.
6. 24 hours support in case something happens.
7. I have no problem maintaining up to 10,000 MAB. As long as it is not limiting my banking experience. I would be crediting 70-80K each month for expenses.

I'm considering ICICI, Kotak (idk if I should pick 811 or normal) and IDFC First bank account. I'm open to other options. Please provide detailed feedback.
---
I do not care about offers or anything unnecessary. This is an expense account and this is what it should be. No credit card from this bank necessary (unless of course its a good one and they offer it but it is not a requirement.
Click to expand...
Idfc can satisfy most of your desires😋

But autopay can't be setup for each cc. As it can be only done if you have cc and acc in same bank. Earlier cred had this facility to setup autopay from one acc but no longer🤷
 
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