Best ZERO balance account

[archithninan]

I wish to open a new zero balance account, I am a student and hence not salaried.
I would like to open the account completely digitally with branch visits.
I have shortlisted a few accounts,

1. AU small finance
2. SBI insta plus
3. Indusland Indie

I have not included Kotak 811 as I am already frustrated with their service even before opening the account
Please help me to select the best out of these or any else you would recommend.

 

[i_Ricky]

go for SBI , but without insta plus

 

[Akusahil]

Yeah I am too frustrated with kotak bank.
If you are student then
The best zero balance account is IDFC Future first account. I am using this from last 4 months and I am totally satisfied with this account.
Other wise you can go for
AU small finance bank or SBI Bank Account

 

[santanu47493]

As of I know au bank ,idfc sbi all bank have fees on debit card

 

[Akusahil]

There is no fees for idfc bank debit card, AU Bank and SBI Bank debit card fees is very low compared with kotak and IndusInd zero balance account.

 

[Gudla Deepak]

The best zero balance savings account in India for 2024 can vary based on individual needs and preferences. However, according to recent comparisons, some of the top options include:

• RBL Basic Savings Account: Offers an interest rate of up to 4.25% for balances up to Rs. 1 lakh1.
• IDFC First Bank Pratham Savings Account: Provides interest rates starting at 3.00% for balances below Rs. 1 lakh, with higher rates for larger balances1.
• IndusInd Bank Indus Online Savings Account: Features an interest rate of 3.50%1.
• YES Bank Smart Salary Advantage: Comes with an interest rate of 3.00%1.
• Utkarsh Basic Savings Bank Deposit Account (BSBDA): Offers a 4.00% interest rate1.
• AU Digital Savings Account: Provides an interest rate of 3.50%1.
• Kotak Mahindra Bank 811 Digital Bank Account: Features an interest rate of 3.50%1.
• HDFC Bank BSBDA: Comes with an interest rate of 3.00%1.
• Standard Chartered Bank Aasaan: Offers an interest rate of 2.75%1.
• State Bank of India BSBDA: Provides an interest rate of 2.70%1.

These accounts offer various features like free ATM transactions, no minimum balance requirements, and digital banking services. It’s important to review the latest details and terms provided by each bank to choose the account that best suits your financial needs.

 

[zacobite]

I wish to open a new zero balance account, I am a student and hence not salaried.
I would like to open the account completely digitally with branch visits.
I have shortlisted a few accounts,

1. AU small finance
2. SBI insta plus
3. Indusland Indie

I have not included Kotak 811 as I am already frustrated with their service even before opening the account
Please help me to select the best out of these or any else you would recommend.

PSU banks.. minimal 1000 rs min balance.. very reliable branch banking... private banks don't really give great service or offers to the zro balance account

 

[Ankit ojha]

should I take IndusInd delight debit card? Charges 590-500= 90 after fee waiver… should I take it or go for virtual card

 

[zacobite]

The best zero balance savings account in India for 2024 can vary based on individual needs and preferences. However, according to recent comparisons, some of the top options include:

• RBL Basic Savings Account: Offers an interest rate of up to 4.25% for balances up to Rs. 1 lakh1.
• IDFC First Bank Pratham Savings Account: Provides interest rates starting at 3.00% for balances below Rs. 1 lakh, with higher rates for larger balances1.
• IndusInd Bank Indus Online Savings Account: Features an interest rate of 3.50%1.
• YES Bank Smart Salary Advantage: Comes with an interest rate of 3.00%1.
• Utkarsh Basic Savings Bank Deposit Account (BSBDA): Offers a 4.00% interest rate1.
• AU Digital Savings Account: Provides an interest rate of 3.50%1.
• Kotak Mahindra Bank 811 Digital Bank Account: Features an interest rate of 3.50%1.
• HDFC Bank BSBDA: Comes with an interest rate of 3.00%1.
• Standard Chartered Bank Aasaan: Offers an interest rate of 2.75%1.
• State Bank of India BSBDA: Provides an interest rate of 2.70%1.

These accounts offer various features like free ATM transactions, no minimum balance requirements, and digital banking services. It’s important to review the latest details and terms provided by each bank to choose the account that best suits your financial needs.

Are you using GPT for these posts ..Well articulated..

 

[Christmas]

I wish to open a new zero balance account, I am a student and hence not salaried.
I would like to open the account completely digitally with branch visits.
I have shortlisted a few accounts,

1. AU small finance
2. SBI insta plus
3. Indusland Indie

I have not included Kotak 811 as I am already frustrated with their service even before opening the account
Please help me to select the best out of these or any else you would recommend.

Go For Au small finance bank. Its Good

 

[rohit_20085]

Are you using GPT for these posts ..Well articulated..

Yes, he does, for most or all of his posts

 

[ShavirB]

@zacobite @rohit_20085 , yes seems like it.

@Gudla Deepak please don't use chatgpt for your answers, also please don't copy your answers from other websites. This community is for people who want to learn from each others personal experiences.

 

[Kishu2608]

The best zero balance savings account in India for 2024 can vary based on individual needs and preferences. However, according to recent comparisons, some of the top options include:

• RBL Basic Savings Account: Offers an interest rate of up to 4.25% for balances up to Rs. 1 lakh1.
• IDFC First Bank Pratham Savings Account: Provides interest rates starting at 3.00% for balances below Rs. 1 lakh, with higher rates for larger balances1.
• IndusInd Bank Indus Online Savings Account: Features an interest rate of 3.50%1.
• YES Bank Smart Salary Advantage: Comes with an interest rate of 3.00%1.
• Utkarsh Basic Savings Bank Deposit Account (BSBDA): Offers a 4.00% interest rate1.
• AU Digital Savings Account: Provides an interest rate of 3.50%1.
• Kotak Mahindra Bank 811 Digital Bank Account: Features an interest rate of 3.50%1.
• HDFC Bank BSBDA: Comes with an interest rate of 3.00%1.
• Standard Chartered Bank Aasaan: Offers an interest rate of 2.75%1.
• State Bank of India BSBDA: Provides an interest rate of 2.70%1.

These accounts offer various features like free ATM transactions, no minimum balance requirements, and digital banking services. It’s important to review the latest details and terms provided by each bank to choose the account that best suits your financial needs.

Your Answer is not correct. Out of which 5 accounts are BSBDA with transaction restrictions and one is salary account .. Why can't you put some efforts instead of using ChatGPT.
AU SFB is Good. SBI is also good as long as you don't need to visit branch. Both banks have very good App for android.
Digibank by DBS is another good option with MAB 5k

 

[theraj0007]

I wish to open a new zero balance account, I am a student and hence not salaried.
I would like to open the account completely digitally with branch visits.
I have shortlisted a few accounts,

1. AU small finance
2. SBI insta plus
3. Indusland Indie

I have not included Kotak 811 as I am already frustrated with their service even before opening the account
Please help me to select the best out of these or any else you would recommend.

GO WITH AU SMALL FINANCE

 

[SBI]

I wish to open a new zero balance account, I am a student and hence not salaried.
I would like to open the account completely digitally with branch visits.
I have shortlisted a few accounts,

1. AU small finance
2. SBI insta plus
3. Indusland Indie

I have not included Kotak 811 as I am already frustrated with their service even before opening the account
Please help me to select the best out of these or any else you would recommend.

BHAI SBI ka to koi bhi open karlo, sab zero balance hi hai

 

[SBI]

Bob lite saving account is also good option, and if u maintain quarterly average balance of rs 2000 then ur debit card fees is also waived off.

 

[Paritosh Sharma]

I wish to open a new zero balance account, I am a student and hence not salaried.
I would like to open the account completely digitally with branch visits.
I have shortlisted a few accounts,

1. AU small finance
2. SBI insta plus
3. Indusland Indie

I have not included Kotak 811 as I am already frustrated with their service even before opening the account
Please help me to select the best out of these or any else you would recommend.

What problem u faced with kotak?

 

[Unknown dude]

I wish to open a new zero balance account, I am a student and hence not salaried.
I would like to open the account completely digitally with branch visits.
I have shortlisted a few accounts,

1. AU small finance
2. SBI insta plus
3. Indusland Indie

I have not included Kotak 811 as I am already frustrated with their service even before opening the account
Please help me to select the best out of these or any else you would recommewha

What happened with kotak explain plz

 

[Skylar]

I have not included Kotak 811 as I am already frustrated with their service even before opening the account

Before even opening the bank account, you are frustrated. What have these Kotak folks done?

In between I'm having kotak account for 8 years now and never paid any extra charges. and zero bank visits.
- There costumer support is worst and even RM's are useless but most stuff can be sorted in their app it self.

 

[Devine Soul]

As of I know au bank ,idfc sbi all bank have fees on debit card

All banks have AMC on cards