Why is opening an HDFC account online such a hassle?

[rusty17]

Opening an HDFC Bank SavingsMax account online has been nothing short of a frustrating experience. Their website advertises a fully digital and paperless process without any branch visit, but I'm starting to think it's all just smoke and mirrors. I followed all the steps, did my Aadhaar e-KYC and filled all the forms but just as I finished the application there was no videoKYC and also no link for initiating one. Just an Application Completed pagea nd that representative will get in touch soon.

I waited for full two days and then decided to reach out to customer support, hoping they could help me. But their responses were as generic as a chatbot's, repeating the same tired lines and requesting the information that I already provided.

After 3 days of back-and-forth, they finally dropped the bombshell – I had to visit a branch for verification (which I won't be since I only get Sundays off). Wasn't this supposed to be a fully digital process?

I remember opening an Axis account a year ago, and it was a breeze compared to this HDFC ordeal. Their online process was smooth and seamless, and I was able to start using my account right away.

It's a shame that HDFC, such a reputed bank, has such a clunky and user-unfriendly online account opening process. They're really falling behind the times compared to their competitors.

 

[bigbyte]

Yes, I forgot that HDFC branch people can act like A** when it comes to opening a savings account.
Don't worry, just wait for 3-4 days everything will be sorted.

 

[MrKant]

HDFC don,'t send confirmation regarding KYC.

You're good to go if the executive confirmed on call. You can also call customer care to confirm the same.

For further confirmation, wait for 1-2 days more. If DC is generated, then everything is perfect as HDFC does not issue DC till kyc is completed

Thank HDFC !
They stop sending KYC completed msg
They used to send the confirmation msg 5 to 10 times a day and for 3 days can’t forget that trauma

 

[RAMESH BABU N]

In this regard, ANY PSU Bank n ANY OTHER PRIVATE Bank is always better than HDFC. No comparision.