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.

 

[Donald J. Trump]

Sabme names sirf pic me edit Kiya hai or app me bhi edit karna option hai?

You can add nickname in phonepe. Quite convenient. So in the app itself. No edits

 

[hender]

View attachment 108320

Share more about the usage, Mr DJT.

 

[praful1947]

Share more about the usage, Mr DJT.

Axis ko money laundering account rakha hai 😂😂😂😂😂

 

[praful1947]

@Donald J. Trump
Gpay me bhi hota hai kya ?

 

[Donald J. Trump]

@Donald J. Trump
Gpay me bhi hota hai kya ?

Nahi hota gpay mein. Isiliye waha phonepe peye mai use karta hu abhi. Plus u can customise your VPA here without exposing your email / phone number.

For example:- my VPA for HDFC Bank SA goes like trump-hdfc@ybl; for icici is trump-icici@ybl. Etc. Etc

So this is very convenient unlike GPay. Waha ek toh email expose hota then uske baad 1 2 3 number baithate rehte GPay wale. So this is what I use.

Axis ko money laundering account rakha hai 😂😂😂😂😂

Yes that is my secret savings account and cashback inflow ac. Liberty SA

Share more about the usage, Mr DJT.

I use SBI for paying CC Dues using VDC, but whenever I spend using CC utna amount I transfer from my Current AC to HDFC liabilities channel. I use HDFC for all kind of dues to my friends etc etc. Transaction volume is also high there. So throughout the month MAB in HDFC is on higher side. On the payment day I transfer from HDFC to SBI and make payments. Also SBI is my primary PSB Savings as the name says, then I also kept CBoI. CBoI is 0 MAB as well. IDFC is my cash A/c. All cash deposits and withdrawals I do through IDFC. Axis as I said secret savings and cashback inflow. ICICI is for MF & Investments. Kotak SA I use the least. Kotak CA for business purpose.

HDFC - Digisave Youth at Semi Urban (2500 MAB)
Axis - 25,000 monthly spend (0 MAB)
Kotak CA - 0 MAB
Kotak SA - Privy League Plat. 0 MAB
IDFC - future first SA 0 MAB
CBoI - 0 MAB
SBI - 0 MAB
ICICI - privilege banking program - 0 MAB

 

[hender]

Nahi hota gpay mein. Isiliye waha phonepe peye mai use karta hu abhi. Plus u can customise your VPA here without exposing your email / phone number.

For example:- my VPA for HDFC Bank SA goes like trump-hdfc@ybl; for icici is trump-icici@ybl. Etc. Etc

So this is very convenient unlike GPay. Waha ek toh email expose hota then uske baad 1 2 3 number baithate rehte GPay wale. So this is what I use.


Yes that is my secret savings account and cashback inflow ac. Liberty SA

I use SBI for paying CC Dues using VDC, but whenever I spend using CC utna amount I transfer from my Current AC to HDFC liabilities channel. I use HDFC for all kind of dues to my friends etc etc. Transaction volume is also high there. So throughout the month MAB in HDFC is on higher side. On the payment day I transfer from HDFC to SBI and make payments. Also SBI is my primary PSB Savings as the name says, then I also kept CBoI. CBoI is 0 MAB as well. IDFC is my cash A/c. All cash deposits and withdrawals I do through IDFC. Axis as I said secret savings and cashback inflow. ICICI is for MF & Investments. Kotak SA I use the least. Kotak CA for business purpose.

HDFC - Digisave Youth at Semi Urban (2500 MAB)
Axis - 25,000 monthly spend (0 MAB)
Kotak CA - 0 MAB
Kotak SA - Privy League Plat. 0 MAB
IDFC - future first SA 0 MAB
CBoI - 0 MAB
SBI - 0 MAB
ICICI - privilege banking program - 0 MAB

Do you mean it allows multiple vpa for different account in single login on phpe !!

 

[Donald J. Trump]

Do you mean it allows multiple vpa for different account in single login on phpe !!

Correct baby. By default it'll be your phone number @ybl etc etc

Afterwards you can go to each of your linked bank accounts and rupay CCs and individually allot them a custom VPA. So it is very convenient. For example, I keep my firstname-bankname@ybl

So for example if I need to receive money from someone on ICICI, when it's not my primary Ac linked with UPI number, i just ask the sender to send it on firstname-icici@ybl. So no need of sharing QR and saves a lot of time and storage in phone as often times multiple QRs in gallery just lie here and there eating up your space.

One drawback of phonepe I experienced on IOS is that in SELF AC Tranfer trxs from one of your bank ac to another bank ac of yours it only allows whole number & no decimal amounts

 

[praful1947]

Correct baby. By default it'll be your phone number @ybl etc etc

Afterwards you can go to each of your linked bank accounts and rupay CCs and individually allot them a custom VPA. So it is very convenient. For example, I keep my firstname-bankname@ybl

So for example if I need to receive money from someone on ICICI, when it's not my primary Ac linked with UPI number, i just ask the sender to send it on firstname-icici@ybl. So no need of sharing QR and saves a lot of time and storage in phone as often times multiple QRs in gallery just lie here and there eating up your space.

One drawback of phonepe I experienced on IOS is that in SELF AC Tranfer trxs from one of your bank ac to another bank ac of yours it only allows whole number & no decimal amounts

Everything is fine , but one thing it lacks is shortcuts on the home page like Google pay .

 

[Donald J. Trump]

Everything is fine , but one thing it lacks is shortcuts on the home page like Google pay .

Yes that I'll say is true. 1-2 clicks more

 

[cardio_guycardio_guy is verified member.]

I want to upgrade some of my bank accounts to higher variants. But everything needs very high MAB or TRV. Have been trying various ways. Will see if something works out.
SBI wealth, ICICI Wealth Management, HDFC Imperia, and Axis Burgundy are somethings that I am looking at.

 

[Lordkk]

I want to upgrade some of my bank accounts to higher variants. But everything needs very high MAB or TRV. Have been trying various ways. Will see if something works out.
SBI wealth, ICICI Wealth Management, HDFC Imperia, and Axis Burgundy are somethings that I am looking at.

Brother let me tell you a secret. A popular English quote is "Ye sab chochle hai, inme mat padiye".

 

[praful1947]

Brother let me tell you a secret. A popular English quote is "Ye sab chochle hai, inme mat padiye".

Aap hame thoda samajdar lagrahe hai ..