Why is opening an HDFC account online such a hassle?

[rusty17]

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 and filled all the forms but just as I finished the application there was no videoKYC and also no link for initiating one. Just an Application Completed pagea nd that representative will get in touch soon.

I waited for full two days and then decided to reach out to customer support, hoping they could help me. But their responses were as generic as a chatbot's, repeating the same tired lines and requesting the information that I already provided.

After 3 days of back-and-forth, they finally dropped the bombshell – I had to visit a branch for verification (which I won't be since I only get Sundays off). Wasn't this supposed to be a fully digital process?

I remember opening an Axis account a year ago, and it was a breeze compared to this HDFC ordeal. Their online process was smooth and seamless, and I was able to start using my account right away.

It's a shame that HDFC, such a reputed bank, has such a clunky and user-unfriendly online account opening process. They're really falling behind the times compared to their competitors.

 

[Shubham Yadav]

Its depends situation to situation

I opened saving max online face so such issue and hassle

However its true that if process fail at any moment while opening opening in HDFC bank

than war start

 

[sxchzy]

i didnt face such a problem
there was a name mismatch in my vkyc due to which i had to end up going to the branch
maybe location wise problem may be there

 

[varun__goel_]

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 and filled all the forms but just as I finished the application there was no videoKYC and also no link for initiating one. Just an Application Completed pagea nd that representative will get in touch soon.

I waited for full two days and then decided to reach out to customer support, hoping they could help me. But their responses were as generic as a chatbot's, repeating the same tired lines and requesting the information that I already provided.

After 3 days of back-and-forth, they finally dropped the bombshell – I had to visit a branch for verification (which I won't be since I only get Sundays off). Wasn't this supposed to be a fully digital process?

I remember opening an Axis account a year ago, and it was a breeze compared to this HDFC ordeal. Their online process was smooth and seamless, and I was able to start using my account right away.

It's a shame that HDFC, such a reputed bank, has such a clunky and user-unfriendly online account opening process. They're really falling behind the times compared to their competitors.

Never faced such issue brother
Have opened 3 accs in family and all of them had smooth experience, and all activated within an hour🤷
There might be something in your application which didn't let you do vkyc, or your browser

 

[rusty17]

Never faced such issue brother
Have opened 3 accs in family and all of them had smooth experience, and all activated within an hour🤷
There might be something in your application which didn't let you do vkyc, or your browser

Hmm...

I have been asking the customer support to provide me a reason for non-availability of videoKYC so that I am aware of the issue. Might as well been talking to a wall.

 

[rusty17]

Its depends situation to situation

I opened saving max online face so such issue and hassle

However its true that if process fail at any moment while opening opening in HDFC bank

than war start

If I escalate will they concede to using videoKYC instead of branch visit? Any precedent for such?

 

[Shubham Yadav]

If I escalate will they concede to using videoKYC instead of branch visit? Any precedent for such?

only option left to visit branch.

Dekhna waha k log frustrate ho jayenge unko commission nhi milta h

 

[RAMESH BABU N]

I all along knew about HDFC and their buggy processes. So, instead of trying online, I went to their branch - closer to my house - to open SavingsMax - thru a ready kit. SB a/c is on expected lines. But, their software tinkering is really horrible n lousy. And, less said the better about their CC processing.

Overall, disappointed with HDFC.

 

[RishiKiDev]

I all along knew about HDFC and their buggy processes. So, instead of trying online, I went to their branch - closer to my house - to open SavingsMax - thru a ready kit. SB a/c is on expected lines. But, their software tinkering is really horrible n lousy. And, less said the better about their CC processing.

Overall, disappointed with HDFC.

Same experience with HDFC.

Better to go offline.
I opened all my family members accounts offline. It was easy back then.

Nowadays service quality is below par.
HDFC is not a technology friendly bank. Their online banking is the worst in India. Even the PSU Banks have better Internet Banking and Mobile Banking interface.

 

[varun__goel_]

Hmm...

I have been asking the customer support to provide me a reason for non-availability of videoKYC so that I am aware of the issue. Might as well been talking to a wall.

Had any existing relationship with hdfc?
Vkyc is only available for 72hrs, after that branch is the only option sadly (just hdfc things)

 

[smz]

Just last month I opened HDFC 10K MAB account. Initially a few times the initial aadhar OTP verification was giving error on HDFC. Then after couple of days I tried and it went smoothly.

 

[akshayhs]

I opened a regular (10k MAB) savings account 2 1/2 years ago and the entire process took 5 mins since i had everything ready. I am not sure if something got flagged during your account opening process that might be forcing them to lead you to a branch to complete the process. In 99% of the cases, I have heard absolutely good experience

 

[Sourabh_13]

It seems OP just wanted to vent😄

 

[rusty17]

It seems OP just wanted to vent😄

Guilty as charged. Also wanted to share my experience so that others know what they are getting into before hand.

Anyways looks like my case has been escalated. After some strong words they have handed over my issue to Case Administrator. Let's see what this guy can do.

 

[akshayhs]

Case Administrator

That is simply an automailer bot.

 

[rusty17]

That is simply an automailer bot.

What the heck? I fell for the fancy name, lol.

They have registered a service request now and guarantees to get back within 5 days. Let's see.

 

[varun__goel_]

What the heck? I fell for the fancy name, lol.

They have registered a service request now and guarantees to get back within 5 days. Let's see.

Was acc no generated? Or you got a application ref number?

 

[rusty17]

Was acc no generated? Or you got a application ref number?

I got an Application ID and a Lead Number.

 

[varun__goel_]

I got an Application ID and a Lead Number.

Then maybe you had a existing relationship, or some pop up blocker/redirection issue, because acc no is generated instantly in hdfc.
My opinion:- If do not have existing relationship, try again ensuring you have no ad blockers or any other blocker enabled on chrome, location enabled on phone, and do via aadhar otp.
If it loads prev application then wait for few days to let it reset

 

[rusty17]

Then maybe you had a existing relationship, or some pop up blocker/redirection issue, because acc no is generated instantly in hdfc.
My opinion:- If do not have existing relationship, try again ensuring you have no ad blockers or any other blocker enabled on chrome, location enabled on phone, and do via aadhar otp.
If it loads prev application then wait for few days to let it reset

I don't have any previous relationship with them. Had checked for Tata Neu card eligibility last month. Nothing else.

Will follow your instructions on Monday as videoKYC may not be available tomorrow.