Opinion/Suggestion - Best 0 balance digital saving account for UPI

[Reaper]

After the fiasco with Paytm Payments Bank, I am looking forward to opening a 0 balance savings account majorly for UPI transactions.
I am not concerned about rewards or interest however below are my major criteria:

• Should have a strong IT backend so it does not impact regular UPI transactions.
• Must support UPI Lite
• Not interested in Debit Card hence virtual debit card would be more than sufficient
• I am open to submitting all necessary documents as part of my account opening except for AADHAR linked mobile number (instead I want my account to be linked to my alternate number)
• Minimum branch visit as soon I will be moving abroad for 2 years

Please suggest to me the best account that fulfils my above needs.

Thought of Kotak's 811 Digital account but got afraid after listening to multiple complaints of the account getting frozen.

 

[RAMESH BABU N]

Anyone using jio payment bank?any suggestions should I open it or not.

I am using it. DC is yet to be activated by me. Waiting for RuPay Platinum. It may take about a month more toget it.

I am using NSDL Payment Bank's jiffy. DC is Rupay Platinum. Using for over a month. Happy.

Both zero balance accounts.