which is the good zero balance account after jupiter and fi money. NOW?

[Brijesh8291]

Hi,Just need some help

So,today just applied for the closure of my jupiter account I was using as a secondary account for my outer transaction as if for now jupyter and FI is playing dirty to maintain the MAB of Rs 5000 Now I am left with were few options

1.federal Banks zero balance account(Fedbook selfie)
2.induslnd bank zero balance account(Not good service on my side)
3.IDFC Bank future first(Not good service on my side and heard that now is we have go to the branch for account opening)

can you guys can suggest a good zero balance account

And any one holding a federal bank zero balance account holder. please guide me through it?

 

[arjungoyal12]

IDFC Savings Account might be a good option. I can't comment on which type of service is provided by them

 

[sayantandas]

Hi,Just need some help

So,today just applied for the closure of my jupiter account I was using as a secondary account for my outer transaction as if for now jupyter and FI is playing dirty to maintain the MAB of Rs 5000 Now I am left with were few options

1.federal Banks zero balance account(Fedbook selfie)
2.induslnd bank zero balance account(Not good service on my side)
3.IDFC Bank future first(Not good service on my side and heard that now is we have go to the branch for account opening)

can you guys can suggest a good zero balance account

And any one holding a federal bank zero balance account holder. please guide me through it?

If you do not want IndusInd or IDFC Bank account you could consider these options:

1. Kotak 811 (have heard that they have started onboarding again so you could give it a shot).

2. Bank of Baroda's bob LITE Savings Account (you just have to maintain 3000 as doing so will not incur you debit card annual maintenance charge. It is almost a zero balance account. Physical debit card).

3. Niyo SBM (zero balance account, no debit card amc. Physical debit card).

4. Niyo DCB (zero balance account. However there are some conditions that is you have to maintain 5000 quarterly otherwise debit card annual maintenance charge of 590 including gst. For the first year, even if you don't maintain any balance you won't be charged anything. The debit card annual maintenance charge would be applied from the second year if 5000 quarterly balance is not maintained. If maintained then no debit card annual maintenance charge. Physical debit card).

5. Yes Bank (zero balance account but only through appreciate app which you could easily find on google play store/App Store. After an account is opened on appreciate they will open an account in yes bank after successful vkyc. Virtual debit card).

6. Fincare Small Finance Bank (zero balance account. Not so sure if it is still available after merger with AU Bank but you can check. Virtual debit card)

7. AU Small Finance Bank (zero balance account but there is a problem that if their branch is not available in your city then they will not open your account. There is debit card amc charges per year)

*Regarding your query for Federal zero balance account (Fedbook Selfie) it cannot be opened if you hold or had hold Jupiter/Fi account. The people at Federal will not listen and will only tell you to open a normal savings account in which you have to maintain 3000 rupees as average monthly balance plus also pay debit card annual maintenence charge. Instead of considering Federal, you could opt for No. 2 (Bank of Baroda) as discussed above if one has to pay 3000.

*For Niyo DCB/SBM, if you have to create a Niyo account first.

Hope this helps.

 

[krishna1718]

If gov one PNB, if private kotak 811, if sfb AU

 

[sayantandas]

If gov one PNB, if private kotak 811, if sfb AU

PNB doesn't have a zero balance account as far as I know.

 

[krishna1718]

PNB doesn't have a zero balance account as far as I know.

i am using pnb zero saving account and free rupay debitcard

 

[sayantandas]

i am using pnb zero saving account and free rupay debitcard

Oh that's good then. Could you please tell which account type you have in pnb? Is it Unnati savings account?

 

[krishna1718]

Oh that's good then. Could you please tell which account type you have in pnb? Is it Unnati savings account?

pnb basic saving account i applied through online

 

[abhitm992]

SBI is giving zero balance account. I have Jupiter account and even though it is partnered with Federal Bank, they don’t take any responsibilities or any concerns regarding Jupiter bank. I think it is better not to have our hard earned money in these PSU banks instead have one salary account in reputed bank which will be zero balance and one SBI zero balance account. Rest of the money it is better to keep in liquid funds instead of banks as they give very less interest. Liquid funds other side can given good returns than savings bank and can withdraw 90% of the fund immediately. But choose the mutual funds using the reputed banks or platforms only.

 

[naman111]

Jio Payment Bank

 

[Mr.Christmas]

Go For AU bank Its Zero and Good Interest on Ur Savings amount.

 

[sayantandas]

Go For AU bank Its Zero and Good Interest on Ur Savings amount.

But there is a problem with AU. It doesn't allow to open zero balance account if there is no Au branch in your city. In my city there is no AU Bank. I have tried multiple times.

 

[Mr.Christmas]

But there is a problem with AU. It doesn't allow to open zero balance account if there is no Au branch in your city. In my city there is no AU Bank. I have tried multiple times.

You Can try For IndusInd Bank Zero balance Account. Or SBI

 

[sayantandas]

You Can try For IndusInd Bank Zero balance Account. Or SBI

Okay, will try out either of the two. Thank you.

 

[Ramesh181]

Okay, will try out either of the two. Thank you.

Hi all, Can anyone pls suggest a Savings Account with a zero / nominal AMB and a best debit cards with zero cross currency markup & zero International ATM cash withdrawal charges. I am looking for conventional banks not Fintech companies such as Niyo, Fi etc.

 

[Ramesh181]

Hi all, Can anyone pls suggest a Savings Account with a zero / nominal AMB and a best debit cards with zero cross currency markup & zero International ATM cash withdrawal charges. I am looking for conventional banks not Fintech companies such as Niyo, Jupiter, Fi etc.