What are some good 0 Balance accounts for students ?

[SmartyAadi]

Hi there! I am a 18yr old here and want to know what are some good banks for a 0 Balance accounts. As of now, I have opened Kotak 811 for which KYC is gonna be done this evening. I had applied for a HDFC account on 4th of december but yet no intimation from HDFC (Find this to be really pathetic, I applied for 811 day before and they gave account and all and just want to complete KYC today, really fast). Both applications were done online. I also have a minor account in ICICI which I will major but my dad is asking to make one separate account too, so is that possible ?
also, my parents have preferred banking in HDFC, Wealth managment in ICICI etc. so will it be good to link my accounts to theirs in the family banking program ?
Thank you all in advance! )

 

[Akashn]

my parents have preferred banking in HDFC, Wealth managment in ICICI etc. so will it be good to link my accounts to theirs in the family banking program ?

Yes absolutely.
I think 2 main accounts are enough for starters. Also you can open IDFC future first account ( zero balance )

 

[Sourabh_13]

I don't know about the family banking. For the 0 balance savings accounts, you can consider the following...
1. ICICI Mine Account
2. IDFC Future First

 

[SmartyAadi]

Thank you guys. Will surely look into it!

 

[sudheerreddy]

I don't know about the family banking. For the 0 balance savings accounts, you can consider the following...
1. ICICI Mine Account
2. IDFC Future First

I think ICICI Stopped giving Mine Account 🤔🤔

 

[varun__goel_]

Hi there! I am a 18yr old here and want to know what are some good banks for a 0 Balance accounts. As of now, I have opened Kotak 811 for which KYC is gonna be done this evening. I had applied for a HDFC account on 4th of december but yet no intimation from HDFC (Find this to be really pathetic, I applied for 811 day before and they gave account and all and just want to complete KYC today, really fast). Both applications were done online. I also have a minor account in ICICI which I will major but my dad is asking to make one separate account too, so is that possible ?
also, my parents have preferred banking in HDFC, Wealth managment in ICICI etc. so will it be good to link my accounts to theirs in the family banking program ?
Thank you all in advance! )

Was hdfc account number generated? If no then check out this thread once:-

Why is opening an HDFC account online such a hassle?

Opening an HDFC Bank SavingsMax account online has been nothing short of a frustrating experience. Their website advertises a fully digital and paperless process without any branch visit, but I'm starting to think it's all just smoke and mirrors. I followed all the steps, did my Aadhaar e-KYC...

www.technofino.in

 

[varun__goel_]

I think ICICI Stopped giving Mine Account 🤔🤔

Yupp, no 0 bal accs as of now from icici..

 

[varun__goel_]

Hi there! I am a 18yr old here and want to know what are some good banks for a 0 Balance accounts. As of now, I have opened Kotak 811 for which KYC is gonna be done this evening. I had applied for a HDFC account on 4th of december but yet no intimation from HDFC (Find this to be really pathetic, I applied for 811 day before and they gave account and all and just want to complete KYC today, really fast). Both applications were done online. I also have a minor account in ICICI which I will major but my dad is asking to make one separate account too, so is that possible ?
also, my parents have preferred banking in HDFC, Wealth managment in ICICI etc. so will it be good to link my accounts to theirs in the family banking program ?
Thank you all in advance! )

At this time you have sufficient accs, if HDFC is also considered .... Will surely recommend you to get IDFC future first as most probably you are a college student. No charges at all, no nonsense account, zero balance.

 

[SmartyAadi]

At this time you have sufficient accs, if HDFC is also considered .... Will surely recommend you to get IDFC future first as most probably you are a college student. No charges at all, no nonsense account, zero balance.

Want to get HDFC one so that we get an easyshop plat dc so I can also pay bills for my parents cc as bills tend to be upwards of 175k each month lol. So rn, 2 accounts are already there in HDFC so upto 150k covered by 2 easyshop plat dc as of now so 3rd one will increase it to 225k

 

[SmartyAadi]

Was hdfc account number generated? If no then check out this thread once:-

Why is opening an HDFC account online such a hassle?

Opening an HDFC Bank SavingsMax account online has been nothing short of a frustrating experience. Their website advertises a fully digital and paperless process without any branch visit, but I'm starting to think it's all just smoke and mirrors. I followed all the steps, did my Aadhaar e-KYC...

www.technofino.in

Ahh no. I just got this email but since then no other communication.

 

[SmartyAadi]

At this time you have sufficient accs, if HDFC is also considered .... Will surely recommend you to get IDFC future first as most probably you are a college student. No charges at all, no nonsense account, zero balance.

Thanks for the suggestion of IDFC first account. Will have a look, thanks!

 

[SmartyAadi]

I checked the IDFC future first one, it seems awesome! Thanks everyone for suggesting it.

 

[varun__goel_]

Ahh no. I just got this email but since then no other communication.

Okay so follow the suggestions I have given in the mentioned thread, or just visit branch.
Check out this app as well

Insta Savings & Salary Account - Apps on Google Play

Instantly Open Salary & Savings Account Online with HDFC Bank InstaAccount

play.google.com

 

[Cc_creditguy]

At this time you have sufficient accs, if HDFC is also considered .... Will surely recommend you to get IDFC future first as most probably you are a college student. No charges at all, no nonsense account, zero balance.

Doubt regarding idfc account after completion of college does it remain zero balance account??

 

[varun__goel_]

Doubt regarding idfc account after completion of college does it remain zero balance account??

Yes yess, folks in this forum have been holding this acc at the age of 30-40 with 0 bal, obviously by big ip cheques🤣🤣
But in reality no ip is required for this, just show your student id to them. Just the branch should agree to open this acc

 

[AritraSaha]

Hi there! I am a 18yr old here and want to know what are some good banks for a 0 Balance accounts. As of now, I have opened Kotak 811 for which KYC is gonna be done this evening. I had applied for a HDFC account on 4th of december but yet no intimation from HDFC (Find this to be really pathetic, I applied for 811 day before and they gave account and all and just want to complete KYC today, really fast). Both applications were done online. I also have a minor account in ICICI which I will major but my dad is asking to make one separate account too, so is that possible ?
also, my parents have preferred banking in HDFC, Wealth managment in ICICI etc. so will it be good to link my accounts to theirs in the family banking program ?
Thank you all in advance! )

Don't go above 2-3 account..

As your parents have hdfc & icici top tier account.. just ask the rm to open a account for you under the family banking.. will get same benefits..

Note - kotak 811 only good for small upi transaction,, don't put lakhs in there..

 

[AritraSaha]

Yupp, no 0 bal accs as of now from icici..

95k stopped, i guess..

 

[varun__goel_]

95k stopped, i guess..

No confirmation yet. They have just shut down online account opening site😑

 

[SmartyAadi]

Don't go above 2-3 account..

As your parents have hdfc & icici top tier account.. just ask the rm to open a account for you under the family banking.. will get same benefits..

Note - kotak 811 only good for small upi transaction,, don't put lakhs in there..

Hmm sure. Will do icici and Hdfc. The Kotak 811 is going to be used by my dad actually, mainly for transferring shares and all and for other demat things. I'll only have icici, Hdfc and actually might open the IDFC one

 

[SmartyAadi]

Yes yess, folks in this forum have been holding this acc at the age of 30-40 with 0 bal, obviously by big ip cheques🤣🤣
But in reality no ip is required for this, just show your student id to them. Just the branch should agree to open this acc

Oh nice. So I just take my student Id card, aadhar and pan and they can process?? If so that's awesome!