Unity Small Finance Bank Online Account Opening

[Deleted member 18439]

Was going through the community, I found someone mentioning Wint wealth FD for zero balance account in Unity SFB.

If anyone else opens up account thru this, please share your experience as well. It might help others.

Went to wint wealth site to verify, found it true.


Also if we withdraw the FD within 7 days, we will get our principal back in Unity SFB Saving account.


Few questions -
1. Is there any minimum limit for FD for this zero balance account?
Yes the minimum limit is 1000₹ for FD to be created.
2. If I withdraw the FD within 7 days, will my account be converted to MAB account?
It is a mab account only.. just due to wint wealth promotion it is zero mab for limited time.

I am getting attracted to the 6% interest rate. Also Unity SFB is available on UPI (to receive), recently launched debit card.
Any one has experience of opening this particular account?


UPDATE 1 - Opened wint wealth account and opened Unity SFB Saving account. Then without opening FD, clicked on delete account option on wint wealth app.
Yet to receive welcome kit. Read UPDATE 5.

The account opening was smoothest, all details filled in wint wealth app, then redirected to unitybank website for VKYC, the call was connected within 30 seconds and the girl just asked my basic details like PAN, address and occupation. Clicked PAN image, my photo and signature. All this was done within 6-7 minutes. After around 10 minutes, I received congratulations message and mail from wint wealth that account is opened along with account details.

UPDATE 2 - The account type mentioned in estatement is DIGITAL FINTECH SAVINGS ACCOUNT.

It is essentially the same classic saving account with MAB as mentioned in the attached pdf but opened digitally.

UPDATE 3 - Have a look at attached PDF

UPDATE 4 - Recieved a call from Bank, i asked her about MAB and she informed me that the account variant is different so there might be change in MAB after 30 june.
I am not so confident in their words, but if its true then it will be almost equivalent to IDFC Future FIRST account. The picture will get clearer from 1st July

UPDATE 5 - Regarding welcome kit, the lady told me that they don't send any welcome kit, we need to apply for debit card and cheque book from WhatsApp. More information is in post 46 of this thread.

UPDATE 6 - UPI pin setup thru debit card enabled on the bank. Now only internet banking is pending.

UPDATE 7 - Unity Small Finance Bank Internet Banking Is Live Now on 04/04/2025 finally.
Visit https://netbanking.unitybank.co.in/retail/login to register. 🙂
UPDATE 8 - Access to Mobile app now available. See screenshots below:

 

[desiviru]

I opened a digital savings ac via unity mobile app for fd.Plz confirm that if I need to maintain any minimum balance now as it is confusing to understand.

Even if you maintain, you are getting 5%. So keeping 10K shouldn't be a worry.

 

[OptiCard]

Bhai log mera digital fintech saving account hai --> iska bhi batado kuch.

 

[Arnal07]

Even if you maintain, you are getting 5%. So keeping 10K shouldn't be a worry.

Bhai log mera digital fintech saving account hai --> iska bhi batado kuch.

I called unity bank customer care today and the agent told me no Minimum balance charges for digital savings ac till 30sep,2025.
I created fd of 9% interest with maturity of 5lakhs and not maintaining any balance in savings ac now.

 

[OptiCard]

I called unity bank customer care today and the agent told me no Minimum balance charges for digital savings ac till 30sep,2025.
I created fd of 9% interest with maturity of 5lakhs and not maintaining any balance in savings ac now.

Same boat but with 2 accounts.

 

[ccdc]

any1 knows any app which lets you open account without video kyc....it's fine if the account has limited functions...

 

[desiviru]

any1 knows any app which lets you open account without video kyc....it's fine if the account has limited functions...

nsdl account. You won't get Unity account with vKYC. Also interest rates have fallen in Unity too. Now difference isn't much with other banks. Better go with well off banks.

Also at branch no vKYC required. Simple form submission.

 

[ccdc]

nsdl account. You won't get Unity account with vKYC. Also interest rates have fallen in Unity too. Now difference isn't much with other banks. Better go with well off banks.

Also at branch no vKYC required. Simple form submission.

No other apps let you open min kyc or half kyc accounts?

 

[desiviru]

No other apps let you open min kyc or half kyc accounts?

Not a one that I aware of. Some may do but only for 1 year with restriction on fund loading.

What's the issue in visiting branch and have a full KYC account? There you can open by filling up form and 1/2 photograph(s) and can use DL as PoA/PoI. That's it. Non-Aadhaat based account takes 1-7 days. My offline account with non-Aadhaar KYC in Unity opened in 1 day itself.

 

[drshivam]

Do they give rsdc with online account? I opened the account online and it's just showing normal rupay dc, I called the customer care and they said Rupay select dc is just for Nro/Nre accounts

 

[desiviru]

Do they give rsdc with online account? I opened the account online and it's just showing normal rupay dc, I called the customer care and they said Rupay select dc is just for Nro/Nre accounts

At first everyone gets normal Rupay DC i.e Rupay Classic aka Rupay EasyCard (In Unity). After that contact branch manager and he will do it from there. I recently closed my Platinum card which I got by request at branch.

Customer care knows nothing. Contact nearest branch.

 

[Ram1]

At first everyone gets normal Rupay DC i.e Rupay Classic aka Rupay EasyCard (In Unity). After that contact branch manager and he will do it from there. I recently closed my Platinum card which I got by request at branch.

Customer care knows nothing. Contact nearest branch.

Got rsdc bro?

 

[desiviru]

Got rsdc bro?

No I didn't applied for it. Rather I have no RSDC from any bank.

Unity Bank has Select Debit Card named as Unity Power Debit Card. So at bank ask for Power debit card which is RSDC.

 

[drshivam]

No I didn't applied for it. Rather I have no RSDC from any bank.

Unity Bank has Select Debit Card named as Unity Power Debit Card. So at bank ask for Power debit card which is RSDC.

You're saying like you got unity rsdc via branch. I called the customer care and they said the same thing that is mentioned on the banks website i.e. Unity power rupay select debit card is only applicable on nre/Nro accounts and not applicable to Indian resident savings accounts

 

[desiviru]

You're saying like you got unity rsdc via branch. I called the customer care and they said the same thing that is mentioned on the banks website i.e. Unity power rupay select debit card is only applicable on nre/Nro accounts and not applicable to Indian resident savings accounts

From where you got the sense that I am saying like blah blah blah?

Okay then believe them. Because I visited branch myself and manager confirmed that you can get it and I didn't take it because of no use to me. 🙂

You are already talking to me from another account. You know which one.

 

[Ram1]

You're saying like you got unity rsdc via branch. I called the customer care and they said the same thing that is mentioned on the banks website i.e. Unity power rupay select debit card is only applicable on nre/Nro accounts and not applicable to Indian resident savings accounts

If branch is near to u , have a word with bm once bro

 

[Ram1]

Here HNIs and NREs mentioned
Here only NREs mentioned
Which to believe?

 

[desiviru]

Here HNIs and NREs mentioned View attachment 106953
Here only NREs mentioned View attachment 106955
Which to believe?

So, is it confirmed that you won't be visiting branch at all?

 

[Ram1]

So, is it confirmed you won't be visiting branch at all?

Bro i dont even have account, how can i visit branch without seeing anyone getting the card.

 

[desiviru]

Bro i dont even have account, how can i visit branch without seeing anyone getting the card.

Then please leave Unity as no one is coming here to confirm it to you. I already told you, as per my own manager every card is eligible for every kind of account holder here.

The information page is messed up ad problem here that is coming with you is you are adamant only on believing what you are seeing on website. So stay at home and don't open account. Better look for other banks for RSDC. Some PSU banks are giving it with Zero AMB accounts and a discussing topic already there on how to get it.

 

[Ram1]

Then please leave Unity as no one is coming here to confirm it to you. I already told you, as per my own manager every card is eligible for every kind of account holder here.

The information page is messed up ad problem here that is coming with you is you are adamant only on believing what you are seeing on website. So stay at home and don't open account. Better look for other banks for RSDC. Some PSU banks are giving it with Zero AMB accounts and a discussing topic already there on how to get it.

Thanks for the suggestion, will do whats best for me.