Just to check and confirm the RECEIVED amount i used to visit these apps...otherwise NO🗑️
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Need info on Zero balance Savings account
- Thread starter sush29
- Start date
- Replies 53
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Can we apply Bob Rupay Select DC from Bob advantage account?
Also how to get the cheapest/LTF Rupay Select DC at lowest/Zero MAB?
Last edited:
panchabhut
TF Legend
pl don't say "dogshit". SBI is RAP bank. [RAP=Rahe Aap Pareshan]
S B I
iNokia
TF Ace
Is pre approved cc easier after opening bob account? I had a bob cc 3 years ago but it took physical verification and long time to get it. Then I closed it. I don't really want to deal with any verification anymore.
Bob physical verification is all about luck.
Even with 10years relationship, they do physical verification. For some ,they dont do any verification if customer is NTB
I would suggest canara bank
Zero MAB, Rupay select debit card as fyf and it has lots of benefits actually.
As per my experience branch was less crowded than other psu. Visit your nearest branch once
6ix9ine
TF Prestige
Nope
Upgrade account to super savings (maintain 20K), apply rupay select then downgrade back to advantage after 6 months.
This is the cheapest way.
tuhin
TF Premier
From my personal experience, if you want a PSB zero MAB Account go with BOB. There are multiple zero balance account facility is available with them like BOB LITE or BOB ADVANTAGE ZERO etc. I would prefer BOB ADVANTAGE ZERO account over BOB LITE anyday. You can get Virtual DC for both of the cards also you can disable SMS alerts.
Pls remember, maintaining basic banking relationship like SB/CA/CC, these are good & superior than any other PSB with BOB. Please never consider any liability products from them like HL/PL etc. They are non-transparent & thugger. I lost around 6K from BOB for applying HL. One more point, BOB has uncleared outages from 12am every night. Though, UPI/DC can work fine. You can't use BOB WORLD App/Netbaking etc. Go ahead & enjoy privileged banking with Bank of Baroda. Try to select a prominent Metro Branch. You will not feel regretted with them.
Pls remember, maintaining basic banking relationship like SB/CA/CC, these are good & superior than any other PSB with BOB. Please never consider any liability products from them like HL/PL etc. They are non-transparent & thugger. I lost around 6K from BOB for applying HL. One more point, BOB has uncleared outages from 12am every night. Though, UPI/DC can work fine. You can't use BOB WORLD App/Netbaking etc. Go ahead & enjoy privileged banking with Bank of Baroda. Try to select a prominent Metro Branch. You will not feel regretted with them.
sush29
TF Buzz
Nice. Why advantage zero over lite? In lite I think if we keep 3k then even physical dc is free.
Because with advantage account , u can get Easemytrip dc which pays u 4x the fee u pay for dc
... Don't bet on that either! Their TDS Certificates may not match with their Interest Certificate at the end of the year! Good luck having that rectified before the ITR filing deadline.
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tuhin
TF Premier
BOB Lite is basically a cropped version of BOB ADVANTAGE ZERO BALANCE Account. There are plenty of facilities like issuing EMT DC are barred on this account. Moreover, you can't switch it from any existing account of different product. If you need pure banking like a good tech savvy PSB SB/future prospect to open any CAA/planning to open a PPF or anything with BOB, my advice is ignore this variant. Ask BOB Branch to open Advantage Zero Balance account & they can open it easily without any hassle.
Linking rupay cards possible?
Also max limit to have balance?
tuhin
TF Premier
SBI is one of the shittiest & unreliable bank ever. Charges are comparatively higher than other PSBs except SB MAB/SMS Charges etc. technologically they are inferior to many top PSBs like BOB/INDIAN/CANARA etc. Those who are praising OnlineSBI is one of the top most superior product then I would say it is a biased comment only. OnlineSBI has an edge 10years ago, now most of the PSBs are well equipped with technological upliftment. Moreover, I found SBI's statement description is quite confusing & short which doesn't translate any meaningful data specially if you have too many ADC transactions. I don't compare PVT BANKS with any PSBs in India. Pvt Banks always have an edge technologically or functionally over PSBs anyday but they are quite costly now a days with the worst branch banking experience. So, if you need any PSB account which is technologically superior, overall good banking service or good branch banking, you may select many other PSBs like INDIAN/CANARA/BOB/IOB over SBI. If you have any prospective for having Govt transaction, you may consider SBI as a back up bank only, try to avoid. It's not worthy in any parameters now a days.
tuhin
TF Premier
Another shittiest & chargeable payments bank after FINO PAYMENTS BANK followed by AIRTEL. Service is not upto the mark. IPPB agents are not well trained enough even we don't have any clarity on their actual product offerings. Like, once I enquired IPPB Current Account for my wife but the agent was clueless though it mentioned it their website. Customer service is also bad. The real pain with their chargesheets. They are even charging for VDC & SMS Alerts(upto Rs 50 per quarter). Still, if you need a bank where you can transact seamlessly with POSA then IPPB may helpful for you otherwise I don't think, it has any edge over any other banks. Even, SBI is better then IPPB 😆
Agreed
Only reason to maintain is to pay Suganya samridhi scheme online
tuhin
TF Premier
Sukanta Samriddhi Account can be opened in Bank also. Why do you need it through Post Office?
It’s very old opened initially with post office in the introduction year when banks do not offer it
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