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.

 

[praful47]

Good news. Can we expect the same by other PSUs. Guess this might be a way to increase their nim

Ab bas bob krde zero balance .

 

[cardy]

Ab bas bob krde zero balance .

Isme kya hai, BOB ka to kaafi sare zero balance already hai

 

[praful47]

Hum advantage wale hai .
2022 me bob zero balance ka pata nahi tha .

 

[cardy]

Hum advantage wale hai .
2022 me bob zero balance ka pata nahi tha .

Haath milalo! 🫲
Idhaar vi advantage wala hi hain.

 

[praful47]

Haath milalo! 🫲
Idhaar vi advantage wala hi hain.

 

[moneyminded]

Mobile number needs to be linked with Aadhar, already mentioned on Website.

I applied for 3 CCs, 2 DCs and opened 2 AC/s all online from my phone. Are you saying they all didn't check it or don't have it as a requirement?

Like if BOB is checking, all others should have too.

 

[Nvmxtty]

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.

BOB BRO: upi , transfer & debit
SBI: subsidy, liquid cash savings
Canara Aspire: Salary, Cash withdrawal
UCO: First bank account cause it was the nearest and use it for Small transfers

 

[2025]

I forgot what I said last time. At this point I have 12 bank accounts in my name (all savings).
-Mostly for debit card benefits.
-Some for loan offers and EMI deduction.
-One for salary.
-One for Investment and Hub of all accounts.

 

[cardy]

I forgot what I said last time. At this point I have 12 bank accounts in my name (all savings).
-Mostly for debit card benefits.
-Some for loan offers and EMI deduction.
-One for salary.
-One for Investment and Hub of all accounts.

Since you forgot elaborate with full updated details

 

[kjs]

Yes but I don't mind because I Use bob world

u need to keep checking the app for balance refresh in case required at any point of time

 

[kjs]

I have the below.

HDFC Imperia - Salary
SBI - Investments
BOB Lite - Open for Rupay platinum card , now the offer is no longer valid
Kotak 811 Super - For daily expenses , impressed by its customer service.

Shall I replace BOB with any other 0 balance account ??

 

[cardy]

Shall I replace BOB with any other 0 balance account

No it's fine
If you don't need the physical card generate a virtual rupay platinum or visa as per your requirement and close the physical card.
Turn off value added sms from mobile app.
Voila! You have no regular charges in the account

 

[ritwik2000]

Kotak 811 Super - impressed by its customer service.

bro you joking right?

jina haram kr dega ekbar freeze hua toh

 

[cardy]

bro you joking right?

jina haram kr dega ekbar freeze hua toh

Wo freeze hone se pehle ki baat kaar Raha hai sayad 😆

 

[kjs]

No it's fine
If you don't need the physical card generate a virtual rupay platinum or visa as per your requirement and close the physical card.
Turn off value added sms from mobile app.
Voila! You have no regular charges in the account

I have a Bob Lite account in which if i maintain 3k then no debit card charges. if i dont maintain charges then 300₹ not sure. yes i have disabled sms.

 

[kjs]

bro you joking right?

jina haram kr dega ekbar freeze hua toh

I asked him upfront on what basis you freeze the account hes like u should not use for business needs. one thing confused me he said if income u have stated as X and if X/5 worth transaction is done then also they will freeze it 😅 also he told me dont use as an investment account as mf sip,insurance ,shares money etc transactions will be moreyes u are right until it dosent get freezed i am appreciation it.
But on what basis do they freeze. i use for daily UPI transactions for which I deposit approx 30 - 50k each month

 

[cardy]

I have a Bob Lite account in which if i maintain 3k then no debit card charges. if i dont maintain charges then 300₹ not sure. yes i have disabled sms.

If you maintain 3k no problem. There will be no charges for physical debit card also