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Old 15th December 2016
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Which bank is best

Going to open a savings bank account soon

which bank is best for banking and support the customer more

and actually I'm going to bank and use their services for the first time simply don't know about bank as deeply

want all suggestions from all of you friends

is PAN is must for open account??
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Last edited by poospcse : 15th December 2016 at 01:12 PM.

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Old 15th December 2016
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what are the facilities needs with bank account for daily life

e.g mobile banking ,ATM like that
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  #3  
Old 15th December 2016
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Public banks like SBI, Indian Bank and private banks like ICICI, HDFC are the best choices. Also co-operative ones also there. Each have their own cons and pros.

The biggest advantage of public banks is no need to maintain a huge minimum balance like 10K like private ones instead very less like for example zero for SBI and in Indian bank 250 rs needed. Concerning fixed deposit rates now both public and private ones offer almost same so no advantage of jumping to private for that reason. In FD is main need then co-operative banks are the best choices though they may not allow to withdraw the money anytime.

In both public and private ones except co-operative banks they provide internet banking, mobile banking facility, debit card etc for easy transactions and less need to go to bank branches.

Concerning debit cards if you want to purchase from foreign country sites then need to get international debit card and many banks won't support it. If that's the need then making Indian bank saving account is best choice. While for inside India usage SBI is best. Private banks main attraction is offers they do when shopping like cashback's, reward points etc so if you are a heavy spender and have lot of money to spend then ICICI or HDFC bank account is suitable.

Anyway to open any bank account now need Aadhaar card and PAN card.

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Originally Posted by swon View Post
Public banks like SBI, Indian Bank and private banks like ICICI, HDFC are the best choices. Also co-operative ones also there. Each have their own cons and pros.

The biggest advantage of public banks is no need to maintain a huge minimum balance like 10K like private ones instead very less like for example zero for SBI and in Indian bank 250 rs needed. Concerning fixed deposit rates now both public and private ones offer almost same so no advantage of jumping to private for that reason. In FD is main need then co-operative banks are the best choices though they may not allow to withdraw the money anytime.

In both public and private ones except co-operative banks they provide internet banking, mobile banking facility, debit card etc for easy transactions and less need to go to bank branches.

Concerning debit cards if you want to purchase from foreign country sites then need to get international debit card and many banks won't support it. If that's the need then making Indian bank saving account is best choice. While for inside India usage SBI is best. Private banks main attraction is offers they do when shopping like cashback's, reward points etc so if you are a heavy spender and have lot of money to spend then ICICI or HDFC bank account is suitable.

Anyway to open any bank account now need Aadhaar card and PAN card.
thanks a lot bro

SBI or Indian bank is surely my choice
now I have adhar card and I already applied for PAN card today
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Old 15th December 2016
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if no need of international transactions than SBI is best choice. Anyway if need both then make accounts in both as in SBI no need of any minimum balance and in Indian bank only 250 rs. the reason said is because international debit card is not safe to use in atm's and markets as withdrawal can happen from any country if got skimmed and also in international emv card no need of any pin no for online transactions just the card no and details printed on it. thus even giving that card to someone is not safe. while in domestic cards for online transactions a mobile otp password is given for every transaction so no worry even if card details is leaked.

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Originally Posted by swon View Post
if no need of international transactions than SBI is best choice. Anyway if need both then make accounts in both as in SBI no need of any minimum balance and in Indian bank only 250 rs. the reason said is because international debit card is not safe to use in atm's and markets as withdrawal can happen from any country if got skimmed and also in international emv card no need of any pin no for online transactions just the card no and details printed on it. thus even giving that card to someone is not safe. while in domestic cards for online transactions a mobile otp password is given for every transaction so no worry even if card details is leaked.
OK bro I'm only use for domestic transaction not any international level
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I want recharge to my mobile or my known persons with myself without going recharge shop

how that process happens with bank account bro
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  #8  
Old 15th December 2016
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Originally Posted by poospcse View Post
I want recharge to my mobile or my known persons with myself without going recharge shop

how that process happens with bank account bro
Use paytm app
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  #9  
Old 15th December 2016
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Use paytm app
OK bro I'll try

is there any need for ask that facility while opening account in bank??
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  #10  
Old 15th December 2016
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Quote:
Originally Posted by poospcse View Post
I want recharge to my mobile or my known persons with myself without going recharge shop

how that process happens with bank account bro
use online sites and pay using credit card or debit card.
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