How many bank accounts do you have and for what purposes?

[raghavx]

I hold following bank accounts

1. ICICI Bank (Savings) - For salary crediting and investments
2. IDFC First Bank (Savings) - for savings purposes, it gives good rate of interest.
3. DBS - Idk why I am still holding this.
4. Paytm Payments Bank - Had opened it long back, not sure why I am holding this too.
5. Fi.money - For day to day transactions as my primary savings account would get cluttered with few hundred rupees transactions.
6. Jupiter - Had opened alongside with Fi, thinking to close this.

 

[cardy]

Urinary Tract Infection sounds about right..

What!!! 😂😂😂 😆😆😆 😄😄😄

 

[Credit Karma]

I hold following bank accounts

1. ICICI Bank (Savings) - For salary crediting and investments
2. IDFC First Bank (Savings) - for savings purposes, it gives good rate of interest.
3. DBS - Idk why I am still holding this.
4. Paytm Payments Bank - Had opened it long back, not sure why I am holding this too.
5. Fi.money - For day to day transactions as my primary savings account would get cluttered with few hundred rupees transactions.
6. Jupiter - Had opened alongside with Fi, thinking to close this.

SBI - Oldest account(opened in 1999 when I was a toddler🫢) Converted to Salary, Now use it for Investments and Salary (duh..)

PNB - Opened as a collge student as close to collge branch for Education loan account (Planning to let it go to Inoperative)

Kotak - Old Salary Acc, now converted to zero balance account, using it as UPI only purpose.

BoB - Inoperative
DCB - Inoperative

 

[cardy]

Kotak - Old Salary Acc, now converted to zero balance

How it's converted in to zero balance account, which variant ? What was required from your end?

 

[Credit Karma]

How it's converted in to zero balance account, which variant ? What was required from your end?

Just basic documents like aadhar pan and a written application to do so.

 

[cardy]

Just basic documents like aadhar pan and a written application to do so.

Bsbd variant or 811?

 

[Credit Karma]

Bsbd variant or 811?

If I remember correctly it was Neo variant. Not sure if it is BSBD or and 811 did not exists back then.

 

[moneyminded]

1. Kotak 811 - Salary (opened during college days, open to suggestions now for one with more benefits)
2. Airtel Payments Bank - Daily
3. Fi Money - CC Bill Payment CB (or so I heard, kinda regretting it as I opened yesterday without any research)

your thoughts?

 

[praful47]

1. Kotak 811 - Salary (opened during college days, open to suggestions now for one with more benefits)
2. Airtel Payments Bank - Daily
3. Fi Money - CC Bill Payment CB (or so I heard, kinda regretting it as I opened yesterday without any research)

your thoughts?

Take one psu bank account also .
Sbi or Bob

 

[RAMESH BABU N]

As of now :

1 SBI (Staff Pension, no UPI)
2 Kotak 811 (all UPI)
3 HDFC Max (all bills)

4 NSDL Jiffy (rarely used)
5 HSBC (Senior Citizen) - for cheque
based trxns in HYD (rarely used)

4 n 5 - will be closed shortly.

 

[cardy]

Airtel Payments Bank - Daily

Heard it has very bad charges
And also heard that no charges incurred
Whats your experience on using it daily?
Does it collect charges like for virtual card, sms, transaction etc?

 

[rahulj87]

HDFC - Salary Account
SBI - for daily transactions, upi etc
AXIS - for loan account

 

[tharun]

Does it collect charges like for virtual card, sms, transaction etc?

Airtel payments bank collects charges for physical debit card, SMS charges, account maintainance charge( to be paid quarterly)

 

[siddiqsd24]

Kotak 811 for daily transactions
IDFC for CC Bill Payments
FI Prime for Fi Coins

 

[cardio_guycardio_guy is verified member.]

This is my list of bank accounts updated.

Post in thread 'How many bank accounts do you have and for what purposes?'

Jan 6, 2025

Compiling all accounts in the family (Parents +Spouse):

Bank & account type	Debit card & Variant	Minimum Balance	Debit card charges	Purpose
SBI - Regular Saving	Global - Rupay (Virtual)	0	0	Primary
HDFC - Salary (Preferred)	Easyshop Platinum - Mastercard	0	0	Salary
ICICI - Previlege	Titanium - Mastercard	10000	0	Backup
ICICI - Privilege	Rupay...

• cardio_guy

• 

 

[cardy]

Compiling all accounts in the family (Parents +Spouse):

Bank & account type	Debit card & Variant	Minimum Balance	Debit card charges	Purpose
SBI - Regular Saving	Global - Rupay (Virtual)	0	0	Primary
HDFC - Salary (Preferred)	Easyshop Platinum - Mastercard	0	0	Salary
ICICI - Previlege	Titanium - Mastercard	10000	0	Backup
ICICI - Privilege	Rupay Platinum	0	Issuance: 0 AMC: 200 + GST	(Spouse)
Dhanlaxmi Bank - Regular Saving	Visa (Classic)	5000	Issuance: 300 + GST AMC: 300 + GST	"
SBI - Regular Saving	Global - Rupay (Virtual)	0	0	"
SBI - Regular Saving	Global - VISA (Classic) (Physical)	0	Issuance: 0 AMC: Rs 200 + GST	(Parents)
Federal - Esteem SB	Esteem - Mastercard	50000	0	"
PNB - Savings General	Rupay Platinum	10000	0	"

Pnb rupay platinum charges zero
Pls Explain a bit

 

[moneyminded]

Heard it has very bad charges
And also heard that no charges incurred
Whats your experience on using it daily?
Does it collect charges like for virtual card, sms, transaction etc?

So I checked and,

• SMS - 5 free per month, ₹0.30/SMS after
• Acc. Maintainence - ₹42 + GST (around ₹50) per quarter

Damn this account does cost me tbh. will shut it down and move to a PSU like SBI as someone suggested.

 

[cardy]

So I checked and,

• SMS - 5 free per month, ₹0.30/SMS after
• Acc. Maintainence - ₹42 + GST (around ₹50) per quarter

Damn this account does cost me tbh. will shut it down and move to a PSU like SBI as someone suggested.

Yah bro
Why Choose a payment bank with huge charges.
A bob lite with three virtual only card will cost you zero.
Close Airtel ASAP

 

[Deepak_9155]

Hdfc bank for upi txn
Sbi for cc bill payment
Bob lite for address proof (3k mab)

 

[kingbang12]

1. Sbi : state govt salary package acc
2. Bob : advantage (1k mab) for investment & upi
3. Hdfc : opened for credit card but they reject credit every time
4. Maharashtra Gramin Bank : local bank as it is near and all family number accounts.
5. Uco : opened during college (inoperative)

Want to close HDfc any suggestion for not closing it.