PNB savings account review & SMS alert off possible ?

[harshn]

What is ur review of PNB savings account (QAB 2000) ?


1. Can SMS alerts be turned off through app/net banking?

2. Do they unnecessarily freeze accounts due to KYC regularly (periodic updation etc) ? (i read many YouTube comments regarding this)

3. Do their online KYC method actually work? For periodic updation of KYC?

4. Will they make me visit branch at all costs for even tiniest of works?


5. What should be preferred opening account online or through branch ? In online directly option is there to turn off SMS alert, debit card etc.
Maybe if I open online branch will say "apna online hi Jano" if branch visit is required.

6. Their UPI server , net banking , app works fine or always have some errors or problems ?

Anyone who opened account online also share their experience .
Also share any other experience with PNB .

 

[dvader]

R u sure about that value added sms thing?

Yes, it was 2023, but I am 110% sure that's what the BM told the operations guy to disable. I didnt receive any confirmation sms for it.

 

[Ram1]

Yes, it was 2023, but I am 110% sure that's what the BM told the operations guy to disable. I didnt receive any confirmation sms for it.

Upi also not working man. I can't see any pnb account with my mobile number on upi network

 

[jr001]

If you are talking about the Unnati Savings Account than what the f is this?

 

[cr_1290]

What a scam

Pnb me sms alert off krne ka koi option nhi h wo direct mobile number de-link kr dete h..fir kuchh bhi nhi chlega

 

[dvader]

Pnb me sms alert off krne ka koi option nhi h wo direct mobile number de-link kr dete h..fir kuchh bhi nhi chlega

I think that's what they did with @Ram1 however how the hell did they turn off mine. Everything is working for me (the only issue I had was aadhaar seeding and I was able to do that from NPCI portal). I have never got SMS charges in last 2-3 years. DC, netbaking, mobilebanking, UPI etc everything works perfectly.

Note: I have normal Unnati/SB General account.

I think the option is there but these guys just delink the mobile to piss off customers.

 

[jr001]

I think that's what they did with @Ram1 however how the hell did they turn off mine. Everything is working for me (the only issue I had was aadhaar seeding and I was able to do that from NPCI portal). I have never got SMS charges in last 2-3 years. DC, netbaking, mobilebanking, UPI etc everything works perfectly.

Note: I have normal Unnati/SB General account.

I think the option is there but these guys just delink the mobile to piss off customers.

Does they charge you after 40 debit transactions per six months?

 

[dvader]

Does they charge you after 40 debit transactions per six months?

I think the 40 Txn limit is for branch txn. Cuz I am sure I have exceeded 40 txn limit 2-3 times in last 2-3 years.

If you check the T&C IBS (Internet Banking Services), ATM and SI are excluded from 40 Txn limit.

So basically 40 Txn limit refers to branch txns.

 

[jr001]

I think the 40 Txn limit is for branch txn. Cuz I am sure I have exceeded 40 txn limit 2-3 times in last 2-3 years.

If you check the T&C IBS (Internet Banking Services), ATM and SI are excluded from 40 Txn limit.

So basically 40 Txn limit refers to branch txns.

I was thinking to get it for UPI payments

 

[komal]

How to register for internet banking without DC ?

 

[Ram1]

How to register for internet banking without DC ?

Through branch only possible

 

[Beyond]

Personal experience - PNB is the worst PSU regarding freeze, Also in PNB without debit card you cant reset password. Bob and Sbi are far better.
PNB employee told me their system tends to freeze payments that does not end with zero

 

[Ram1]

Personal experience - PNB is the worst PSU regarding freeze, Also in PNB without debit card you cant reset password. Bob and Sbi are far better.
PNB employee told me their system tends to freeze payments that does not end with zero

True,
Their employees also very rude.
I visited 2 branches, both dont have positive attitude/atmosphere.
And mobile number linking is a headache process

 

[komal]

Through branch only possible

Got it.
Do we have the option of virtual debit card ?
If yes, what are the charges?

 

[Ram1]

Got it.
Do we have the option of virtual debit card ?
If yes, what are the charges?

Virtual one is free but classic card,it is of no use. Just for online transactions

 

[tuhin]

What is ur review of PNB savings account (QAB 2000) ?


1. Can SMS alerts be turned off through app/net banking?

No

2. Do they unnecessarily freeze accounts due to KYC regularly (periodic updation etc) ? (i read many YouTube comments regarding this)

No but they freeze NetBanking/mobile banking user id if non usage of above 360days

3. Do their online KYC method actually work? For periodic updation of KYC?

Yes

4. Will they make me visit branch at all costs for even tiniest of works?

Mostly

5. What should be preferred opening account online or through branch ? In online directly option is there to turn off SMS alert, debit card etc.
Maybe if I open online branch will say "apna online hi Jano" if branch visit is required.

Online

6. Their UPI server , net banking , app works fine or always have some errors or problems ?

UPI server good but PNB ONE app is very slow & NetBanking interface is very poor but feature rich

Anyone who opened account online also share their experience .
Also share any other experience with PNB .

Not worthy, overall banking service is not good