IOB online account opening detailed process - Best for RSDC

[HumorSimpson]

Finally v-kyc completed

Which link 🔗 did you use?

 

[Anupama_Jha]

Which link 🔗 did you use?

For filling form, 1st link shared by ram.

Thread 'IOB online account opening detailed process - Best for RSDC'

Aug 2, 2025

I have been receiving lot of dms regarding IOB account opening process and for RSDC.
So putting everything in one thread.

Account opening process
1. Open this link

https://vkyc.iob.in/customerVkyc

Choose account variant - SAVINGS ACCOUNT - PUBLIC
its mab is very low 100/200 only without chequebook

2. Fill all ur personal details.
UnTick debit card
Untick chequebook
Tick netbanking and mobile banking

3. Submit application and do video kyc.

4. U will receive user id password of netbanking in the mail after account opening usually takes 3 to 1week.

5. In netbanking, apply...

• Ram1
• account account opening iob rsdc
• Replies: 82
• Forum: Bank Account

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• 
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And for v-kyc, I got call to check email with customised link. Opening it asked location and camera access, and done. No otp, nothing.

 

[Garry]

IOB - SB Account Opening

digital.iob.in

Try this once

with this link, account opened without vkyc and 2 emails received. One is saying to visit branch to complete kyc and other containing net banking information. 😕

 

[Anupama_Jha]

with think link, account opened without vkyc and 2 emails received. One is saying to visit branch to complete kyc and other containing net banking information. 😕

Did u tried linking upi, set PIN using aadhar, logged INB, allowing debit trxn?

 

[Garry]

Did u tried linking upi, set PIN using aadhar, logged INB, allowing debit trxn?

Just now received details. didn't do anything yet.

 

[zomatoo]

Just now received details. didn't do anything yet.

just apply debit card from netbanking. normal account ki tarah hi hai, kisi din free ho tab chale jana branch kyc ke liye.

 

[Garry]

just apply debit card from netbanking. normal account ki tarah hi hai, kisi din free ho tab chale jana branch kyc ke liye.

Okay. So should I apply first rupay classic dc or directly Rupay select dc? and is there any time limit to complete the kyc by visiting branch?

 

[zomatoo]

Okay. So should I apply first rupay classic dc or directly Rupay select dc?

rupay classic wala and follow the guide ram gave in his post

 

[Garry]

rupay classic wala and follow the guide ram gave in his post

Thanks. btw is there any time limit to complete the kyc by visiting branch? like in one month or one week?

 

[zomatoo]

Thanks. btw is there any time limit to complete the kyc by visiting branch? like in one month or one week?

1 year I think

 

[Mr_Raj]

Is it compulsory to have aadhar linked mobile number and account linked mobile number same ?

 

[HumorSimpson]

Is it compulsory to have aadhar linked mobile number and account linked mobile number same ?

It's always better that way.

 

[Garry]

IOB internet banking page is loading like forever. Tried on 3 browsers, doesn't work on any one. 😠😠😠

 

[zomatoo]

IOB internet banking page is loading like forever. Tried on 3 browsers, doesn't work on any one. 😠😠😠

working for me

 

[Garry]

IOB internet banking page is loading like forever. Tried on 3 browsers, doesn't work on any one. 😠😠😠

Weirdly, IOB net banking is not working on my wifi, but works on mobile data. Now I've applied for Rupay Classic DC and Rs 177 deducted. When can I give request for upgrade to RSDC? After card receiving, or when card is generated in the system ? @Ram1

 

[Ram1]

Weirdly, IOB net banking is not working on my wifi, but works on mobile data. Now I've applied for Rupay Classic DC and Rs 177 deducted. When can I give request for upgrade to RSDC? After card receiving, or when card is generated in the system ? @Ram1

After 3 4 days, apply upgrade

 

[Bravo Echo]

@Ram1 @zomatoo In IOB app I can see that they have issued rupay platinum card instead of classic 🥲
However, fee is not deducted yet and there is an option in app to replace card, after clicking replace it gives option to select all variant cards including rupay select.
If I go ahead with replace card and select rsdc then will fees for this rpdc be charged?

 

[Ram1]

@Ram1 @zomatoo In IOB app I can see that they have issued rupay platinum card instead of classic 🥲
However, fee is not deducted yet and there is an option in app to replace card, after clicking replace it gives option to select all variant cards including rupay select.
If I go ahead with replace card and select rsdc then will fees for this rpdc be charged?

Yes previous card also will be chargeable na.
Ur account variant?

 

[Bravo Echo]

Yes previous card also will be chargeable na.
Ur account variant?

Sb public
The thing is card no is visible but no charges deducted till now also instead of classic they issued platinum so 250 for that should have been deducted na

That's y I was wondering if I apply for replace now then any charges for platinum be deducted or straightaway 350 charges for replacement rsdc😆

 

[Bravo Echo]

Yes previous card also will be chargeable na.
Ur account variant?

Can u tell when was 150+ gst for classic was deducted from ur account, like on the day when u received account details on mail or later