INDIAN OVERSEAS BANK Account For Rupay select

[avbhishek]

Is opening an account using Vkyc url the is same as applying for RSDC card with OTP kyc link https://digital.iob.in/instantaccount ? or will it have by default some card if I select General saving account? Does anyone applied online using link below?

https://vkyc.iob.in/customerVkyc/#/digitalAccount

 

[Dhudu]

Is opening an account using Vkyc url the is same as applying for RSDC card for https://digital.iob.in/instantaccount ? or will it have by default some card if I select General saving account? Does anyone applied online using link below?

https://vkyc.iob.in/customerVkyc/#/digitalAccount

I think I posted the link 2/3 ago in same thread… open the digital insta savings account, it will be opened in 30 minutes, you will get account details over email, don’t select debit card while opening. Activate net banking, fund 2k via gpay and once all done, apply for RSDC, it will charge 1180 instantly I think

 

[avbhishek]

I think I posted the link 2/3 ago in same thread… open the digital insta savings account, it will be opened in 30 minutes, you will get account details over email, don’t select debit card while opening. Activate net banking, fund 2k via gpay and once all done, apply for RSDC, it will charge 1180 instantly I think

Thanks. But in this case, I need to do a physical visit for Full KYC later on. So asking about VKYC process for general account.

 

[Dhudu]

Thanks. But in this case, I need to do a physical visit for Full KYC later on. So asking about VKYC process for general account.

I didn’t do any branch visit, no boys either. Today morning got message that card dispatched

 

[avbhishek]

I didn’t do any branch visit, no boys either. Today morning got message that card dispatched

 

[Dhudu]

View attachment 97902

I wasn`t aware, lets see how things go... think I don`t have any IOB ATMs nearby so might have to visit the nearest branch for ATM activation...

 

[Vickymaster1010]

Registered via website no vkyc was done strange. Got cif and act number along with mpin downloaded the app. Transferred 3k. And then went to app and select rupay debit card. 900 rs sumtng got debited and msg rcvd that rupay select debit card is going to come in 10 working days the whole process took 10 mins Max.

Will I need to do vkyc?

 

[Vickymaster1010]

New Debit card request is accepted & will be delivered in 10 days to your address. For BSBDA/SMALL acct collect from branch. PIN can be set thru MobileApp-IOB

 

[Portgas D Ace]

did anyone face error while opening insta account online? When trying to verify the PAN, error pops up saying "No Such Host is Known" Facing this since yesterday

 

[Anindya98]

did anyone face error while opening insta account online? When trying to verify the PAN, error pops up saying "No Such Host is Known" Facing this since yesterday

Try when the bank is open

 

[Portgas D Ace]

Try when the bank is open

afternoon also faced similar issue but just now it worked fine and opened account sucessfully. Thanks

 

[TheBOSS]

Via app u can

But activation only through atm

Account can be opened online ?
Which account variant to select ?

 

[6ix9ine]

Account can be opened online ?
Which account variant to select ?

Read first post of the thread.

 

[TheBOSS]

INDIAN overseas bank ( IOB) is very lesser known but has good service and staff till what I have heard and experienced..

IT CAN BE opened both online and offline
My offline experience-

Account opening experience - Offline via branch
Went to branch took form for GENERAL SAVING ACCOUNT
Usual documents required,
Account was opened with Tab - similar to what I seen in IDFC banks
Software was different

While account opening you don't have to apply for any debit card - opt out

After account is opened which is instant via tab ( with live picture from tab and fingerprint.

You can note down account details and head to Cash counter for cash deposit
( My mab was 1k - so I deposited 3k)
This can vary due to location of branch

Once cash deposited - account is mostly active

Please note down - account number and CiF for mobile banking login ( take pictures of tab when account opened)


Now comes the tricky part - You have to fill form for debit card request
Mention name clearly in form ( in Above header ) write the name of card and even mention fees

Rupay-Select-NCMC - 800+ gst

Link for Iob dc fees T/c
Attached is pDF too for reference

Please check with employee he selects the right dc and he sees 800+ gst fees

And you are done
You will get dc in few days it was 7 days even when it was with post office

Now online Account opening process

It's called insta digital saving account
LINK TO OPEN INSTA DIGITAL ACCOUNT

Once form is filled you will either get VKYC instantly if agent available or in 1-2 days
Centrally VKYC team will call and update you with link

Mab is 1 k

You will be issued a rupay platinum or rupay classic debit card
Then you can block and replace/upgrade to rupay select dc with fees 800+gst

Keep in mind if you open online you have to wait little longer


Also a word of caution
Few people opened online bank account in canara yet they were asked to visit branch for kyc


Now with free free people 😁 1- 2 k mab + 800 fees is better than 25-50k mab
Unless u have lot in cash

View attachment 89474

Aadhar address and communication address can be different in online mode ?

 

[akash2401akash2401 is verified member.]

Thanks @Vasuki bro for giving info about this account. Account opening was done in less than 30 mins as pointed out by the others. Only issue I faced is that my communication and aadhar address are different. So any option to change the address or transfer the account near my present address?

 

[iimadarsh]

Thanks @Vasuki bro for giving info about this account. Account opening was done in less than 30 mins as pointed out by the others. Only issue I faced is that my communication and aadhar address are different. So any option to change the address or transfer the account near my present address?

For communication adress you can use your rent agreement or ebill

 

[TheBOSS]

Thanks @Vasuki bro for giving info about this account. Account opening was done in less than 30 mins as pointed out by the others. Only issue I faced is that my communication and aadhar address are different. So any option to change the address or transfer the account near my present address?

You have opened the account at aadhar address?

 

[akash2401akash2401 is verified member.]

For communication adress you can use your rent agreement or ebill

I already have my communication address in my passport. Can I go to nearby branch for kyc?

 

[akash2401akash2401 is verified member.]

You have opened the account at aadhar address?

Yeah I don’t think there was option to open at any other address

 

[TheBOSS]

I already have my communication address in my passport. Can I go to nearby branch for kyc

Banks consider passport as address proof so you can surely go