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Savings Account

A savings account is a deposit account you hold with a bank. This is an interest-bearing account and although these kinds of accounts do not have a high interest rate, it is reliability and safety which make them a good option for saving your money.

Compare & Apply for Best Savings Account Online

Savings Account Interest Rate Minimum Balance Requirement
Indian Bank Savings Account 2.90% p.a. 0.230% of the loan amount (Maximum of Rs.10,236) Rural/Semi urban: Rs.1,000 (with cheque facility) Rs.500 (without cheque facility) Metro/urban: Rs.2,500 (with cheque facility) Rs.1,000 (without cheque facility)
Kotak Bank Savings Account 3.50% p.a. Zero Balance Savings Account
DBS digibank Saving Account 3.00% p.a. to 4.00% p.a. Zero Balance Savings Account
Axis Bank Savings Account 3.00% p.a. onwards Zero Balance Savings Account
State Bank of India Savings Account 2.70% p.a. Nil
Standard Chartered Bank Digital Savings Account 2.75% p.a. onwards Rs.2 lakh
IDFC Bank Savings Account 3.00% p.a. to 5.00% p.a. Rs.10,000
IndusInd Bank Savings Account 4.00% p.a. onwards Rs.1,00,000
Yes Bank Savings Account 4.00% p.a. to 5.00% p.a. Rs.10,000

Types of Saving Account

  1. Regular Savings Account
    • These are opened on basic terms and conditions.
    • The regular savings accounts do not see regular deposits of consistent amounts, and and are the equivalent of a safe house where money is kept for safekeeping.
  2. Salary-based Savings Account
    • These accounts are opened by banks at the request of companies that require a platform for payment disbursal.
    • Banks offer preferential rates and terms for these kinds of accounts. When the date of payment disbursal arrives, the bank withdraws money from the company account and disburses the money.
    • One must note that almost most salary accounts will not have a minimum balance requirement.
    • If salary is not credited for 3 consecutive months, the accounts will be converted into a regular savings account.
  3. Senior Citizens Savings Accounts
    • The accounts function in the very same way as regular savings accounts, but it offers much higher rates of interest and banking privileges for senior citizens.
    • These accounts will be linked to other senior citizen savings schemes for remitting the funds from their retirement accounts or pension funds, and consolidating all the funds under one single bank account.
  4. Minors’ Savings Accounts
    • These accounts do not have a minimum balance requirement. A minor’s saving account has been curated for educating children about banking facilities and savings accounts.
    • This kind of account can be opened and operated under the supervision of the legal guardian until the child reaches 10 years old.
    • After turning 10 years old, the child is allowed to operate the account on their own.
    • Once the child turns 18 years old, the account will be converted into a regular savings account.
  5. Zero Balance Savings Account
    • This account merges the features of a savings account and a current account.
    • While there are limits on withdrawal amounts, you will not charge penalties if the balance falls below the prescribed minimum.
  6. Women’s Savings Account
    • These kinds of accounts come with special features to benefit the account holder.
    • These benefits include discounts on certain purchases, low interest rates on loans, and a waiver on demat account charges.

Savings Account Interest Rate from Top Banks

Bank Interest
Canara Bank 2.90% p.a. to 3.50% p.a.
IndusInd Bank 4.00% p.a. onwards
South Indian Bank 2.35% p.a. to 4.50% p.a.
Citi Bank 2.50% p.a.
YES Bank 4.00% p.a. 5.00% p.a.
Bank of India 2.90% p.a.

Eligibility Requirements for Opening a Savings Account

The Savings Account eligibility criteria can be different for different banks. The common criteria are as follows:

  • A Savings Account can be opened both singly and jointly by Indian residents above the age of 18 years.
  • Foreign nationals and Hindu Undivided Family are eligible to open a Savings Account.
  • Minors can open a Savings Account with their parents/guardian.

Documents to be Submitted for Opening a Savings Account

Proof of age and identity PAN, Voter ID, Passport, and Driving license
Photographs At least 2 passport-sized photographs
Proof of address Driving license, Voter’s ID, Passport, Utility bill
Senior Citizen Card Document with proof of their age. A senior citizen card is issued by the Social Welfare Department and is the document that is most preferred as proof.

Features and Benefits of Savings Account

  • A savings bank account is a safe place to store surplus funds.
  • The balance in a savings account earns interest.
  • Savings Account Interest rates on savings account can range from 3.5% to 7% p.a.
  • Easy access to internet banking and mobile banking
  • Banks usually offer discounts on the locker rental facilities for customers who maintain the minimum quarterly balance.
  • Most banks also provide savings account holders with various insurance covers including personal accidents and death.
  • You can use ATMs all across India with your debit card

Open your Online Savings Account with BankBazaar

Here’s how you can apply for a savings account through bankbazaar.com:

  • Log on to www.bankbazaar.com
  • Select 'Investments'
  • Choose 'Savings Account'
  • Enter required details
  • The BankBazaar tool will compute all your information and give you a list of best savings accounts
  • Choose the account which you think is best for you

Visiting the Bank and Opening a Savings Account

The steps to open a Savings Account offline are as follows:

  • Make sure to visit the bank with all the required KYC documents. Carry your original documents as well as the copies of the same.
  • Once you reach the bank, go to the designated counter and request the account opening form. You have to go through the entire form and fill it up with all the details. Make sure to recheck all details correctly.
  • Submit this form along with the copies of your documents.
  • The officer at the bank will then give in your application for processing and verification.

What is the Cash Withdrawal Limit & Cash Transaction Limit for Savings Accounts

Mentioned below are the Cash Withdrawal Limits & Cash Transaction Limit of some well-known banks in India:

Bank Name Cash Withdrawal Limit* Cash Transaction Limit*
RBL Bank Rs.50,000 to Rs.1.5 lakh Rs.10,000 to Rs.3 lakh
Yes Bank Rs.25,000 to Rs.1 lakh Rs.1 lakh to Rs.3 lakh
Kotak Mahindra Bank Rs.40,000 to Rs.2.5 lakh Rs.50,000 to Rs.4.5 lakh
Lakshmi Vilas Bank Rs.10,000 to Rs.1 lakh -
IndusInd Bank Rs. 50,000 to Rs.5 lakh Rs.50,000 to Rs.10 lakh
Bandhan Bank - -
HDFC Bank Rs.25,000 to Rs.1 lakh Rs.2.75 lakh to Rs.3.5 lakh
Axis Bank Rs.40,000 to Rs.3 lakh Rs.1 lakh to Rs.6 lakh

Savings Account with the Post Office

  • A Post Office Saving Account is an Account which can be opened at a post office.
  • While a bank may not have branches in every city, post offices are generally present even in the most remote of cities located in the regions that are usually not easy to access.
  • A Post Office Savings Account can be opened by an adult individual who is of Indian nationality.
  • Minors above the age of 10 years can also open this account, or have a guardian open such an account on their behalf.

Charges for Opening and Using Savings Account for Top Banks

HDFC Bank Savings Account

HDFC bank savings account offers a wide range of savings account schemes which have unique features and privileges, that can be availed in a quick and convenient manner.

  • AMB Requirement Rs.10,000 for Metro and urban
  • AMB Requirement Rs.5,000 for semi urban
AMB Slabs Metro & Urban Semi Urban
Rs.7,500 to < Rs.10,000 Rs.150 NA
Rs.5,000 to < Rs.7,500 Rs.300 NA
Rs.2,500 to < Rs.5,000 Rs.450 Rs.150
Rs.0 to < Rs.2,500 Rs.600 Rs.300

Axis Bank Savings Account

Axis bank savings account offers a vast variety of savings accounts to customers along with personalized services and attractive benefits.

Metro Urban Semi-urban Rural
Rs.10 for every Rs.100 shortfall in required balance or Rs.600,(whichever is lower) Rs.10 for every Rs.100 deficit or Rs.500 (whichever is lower) Rs.10 for every Rs.100 deficit or Rs.300 (whichever is lower) Rs.10 for every Rs.100 deficit or Rs.250 (whichever is lower)

Kotak Mahindra Bank Savings Account

The Kotak Mahindra Bank savings account that is offered by Kotak Mahindra Bank is very popular and comes with a variety of options.

Metro Urban Semi-urban Rural

SBI Bank Savings Account

The most attractive features are that the SBI Bank savings account does not require a minimum balance and provides ATM/Debit card, net banking and mobile banking facilities.

Metro Urban Semi-urban Rural

Debit Card Transaction charges

With yourDebit Card, use ATMs all across India and swipe to make purchases.

Bank Annual Debit Card Maintenance charges Cash withdrawal
HDFC Bank Rs.150 Rs.20 + taxes
Axis Bank Rs.200 Rs.20
Kotak Mahindra Bank NA NA
SBI NA Rs.17

Frequently Asked Questions (FAQs)

  1. What is the meaning of Average Monthly Balance requirement?

    The balance that must be maintained over the course of the month is the average monthly balance. Certain banks offer savings accounts where the Average Monthly Balance can be zero.

  2. Can I access the savings account if I am travelling to a different city or state within India?

    Yes, you can access the savings account if you are travelling to a different state or city within India. You can access the account via Phone Banking, Internet Banking, or visiting the ATM.

  3. Is it possible to have any number of Basic Savings Bank Deposit Account in a particular bank?

    No, you can have only one Basic Savings Bank Deposit Account in a bank.

  4. Is it possible to withdraw money in another city where I do not have a savings account?

    Yes, you can withdraw money by visiting any ATM within the country or outside the country. However, depending on the ATM, a transaction fee may be applicable.

  5. What are the different savings account services that I can access via net banking?

    Depending on the bank, the savings account services that are available via net banking may vary. Some of the main services that can be availed via net banking are mentioned below:

    • Viewing details of the savings account
    • Stopping payment instructions
    • Transferring money to a third-party account
    • Shopping online
    • Requesting for the account statement
    • Opening an FD and linking it to the savings account
    • Making payments
  6. Under a BSBDA, are there any charges levied to issue a passbook?

    No, the passbook is issued free of cost under a BSBDA.

  7. What are the various savings account services available via Phone Banking?

    The different savings account services that are available via Phone Banking are mentioned below:

    • Balance enquiry
    • Previous transactions
    • Cheque status
    • Balance that was available on a particular date
    • Statement request
    • Request for a cheque book
  8. What are the eligibility criteria to open a savings account?

    Depending on the bank, the eligibility criteria to open a savings account may vary. Given below are the individuals who can open a savings account at Kotak Mahindra Bank:

    • Foreign nationals who are residing in India
    • Hindu Undivided Families
    • Resident Indians
  9. What are the different nomination facilities under a savings account?

    The different nomination facilities are mentioned below:

    • Bank deposits
    • Only one nominee can be added for a sole account or a joint account
    • An individual who is operating the account on behalf of a minor can add a nominee
    • The required form must be filled in to add the nominee

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Punjab National Bank cuts interest rates on savings accounts

Punjab National Bank has slashed interest rate on savings accounts which have a balance amount of less than Rs.10 lakh. The current interest rate is 2.80% per annum which is the lowest in the bank's history. This is a reduction of 10 basis points (bps). For savings accounts with a balance amount exceeding Rs.10 lakh, the interest rate has been revised to 2.85% p.a., which is a reduction of 5 basis points. The new interest rate is applicable for both Non-Resident Indian (NRI) and domestic savings accounts. It will be applicable for both new and existing accounts from December 2021.

Axis Bank savings accounts can now be jointly held by same-sex partners

Axis Bank customers now have the facility of opening a joint savings bank account with their same sex partner. Customers can also nominate their same-sex partner as the nominee in their savings accounts. Customers who are gender fluid, non-binary, or transgender will also be able to select the title of ''Mx'' when applying for a savings account.

Interest rates of up to 7% offered by Ujjivan Small Finance Bank and Bandhan Bank

In May, Yes Bank and RBL Bank reduced the interest rates on savings accounts by 25 basis points. IDFC First Bank also reduced the interest rate to 5% p.a. from 6% p.a. However, many new private and small banks are offering high interest rates on savings accounts. Bandhan Bank offers an interest rate of up to 7.15%. Ujjivan Small Finance Bank, Equitas Small Finance Bank, and AU Small Finance Bank offer an interest rate of up to 7% p.a. on their savings accounts.

SBI launches video KYC based savings account opening for customers

State Bank of India (SBI) launched video-based KYC service to help their customers open bank accounts. The service was launched on 23 April on its mobile banking app- 'YONO'. The new feature will allow customers to open an account, without going through the hassle of visiting a bank branch. The whole process is contactless and paperless. The YONO app has been downloaded 80 million times where more than 37 million people have registered. The lender has also partnered with more than 100 e-commerce bodies in more than 20 plus categories on the YONO app platform.

List of banks offering the best interest rates on savings accounts

A few lenders including small and new private banks have been offering higher interest rates on savings accounts amidst the falling interest rates. Bandhan Bank is offering a rate of interest of 7.15% on its savings accounts. RBL Bank, as well, has been offering an interest rate of 6.5%, and IndusInd Bank along with IDFC Bank are offering interest rates of 6% on savings accounts. Apart from these private banks, small finance banks have also been offering higher rates of interest for savings accounts. AU Small Finance Bank, Ujjivan Small Finance Bank, and Equitas Small Finance Bank are also offering interest rates of up to 7% on savings accounts.

Full service digital savings account with video KYC launched by YES Bank

A full-service digital savings account with video KYC has been launched by YES Bank in order to expand its customer base and provide seamless services even in tier 1 and 2 cities. This will also ensure that physical distancing in the time of the Covid-19 pandemic is maintained. It will eliminate the requirement for any in-person interactions, visits to the bank’s branches, or physical documentation. The savings account comes with a virtual debit card which makes it easier to conduct online shopping, fund transfers, and other transactions through the mobile application called ‘'YES Mobile’' as well as on the website. There is free UPI, RTGS, and NEFT facilities. There are phone banking, net banking, and mobile banking facilities. There is biller registration and instant beneficiary facility. There are also reward points for the digital savings account and offers on the debit card. There is an interest rate of 6% p.a. offered by the bank. For corporate salary accounts, the average monthly balance is zero. For other individual savings accounts, the average monthly balance is Rs.10,000. The savings account requires e-KYC to be completed which can be done in a few simple steps on the bank’s website.

HDFC Bank gets 2.5 lakh new customers during the lockdown

HDFC Bank, during the lockdown, was able to add 2.5 lakh new customers in the last 40 days through the online facility which helps people open savings account instantly. The account is created using a limited KYC requirement provision. Once the account is opened, a customer will have one year to update all the details required.

In April, the ‘Instant Account App’ was launched in the areas where lockdown was strictly imposed. Banks were classified as an ‘essential service’ but the strict lockdown prevented people from visiting banks. According to sources, all the 2.5 lakh accounts which were opened were new customers. The minimum average monthly balance requirement is Rs.10,000 for metro cities, Rs.5,000 for semi-urban cities and Rs.2,500 for rural cities.

Most of the accounts which were opened were from the containment zones and red zones in various metro cities and urban areas. There was activity seen in the semi-urban and rural areas. The account is opened using the basic KYC details such as Aadhaar card number, valid PAN, OTP, etc.

According to the RBI, people can opt for the Instant Account with limited KYC with a maximum balance of Rs.1 lakh.

1-year FD interest rate of SBI less than savings accounts of most banks

The interest rates of Fixed Deposits (FDs) and loans have been cut by banks on a regular basis for more than a year. However, savings account interest rates have also been reduced after the Reserve Bank of India (RBI) cut the repo rate by 75 bps.

State Bank of India (SBI), the country’s largest bank, cut its savings account interest rates by 26 bps to 2.75% per annum. The interest rates for balances of up to Rs.50 lakh is 3.25% and above Rs.50 lakh is 3.75%, respectively. In April, Kotak Mahindra Bank reduced its interest rates twice. Apart from savings accounts, banks have reduced FD rates on a regular basis as well. The FD rates of SBI was reduced by 25-50 bps. The one-year fixed deposit in SBI is 5.70%. This is the first time the interest rates have been reduced to less than 6% since August 2004. The interest rate offered by SBI is less than the savings account interest rates of several banks. Some of the banks that offer a higher interest rate are IndusInd Bank, DBS Bank, Bandhan Bank, RBL Bank, and IDFC Bank. However, the interest rates are higher only under certain conditions.

State Bank of India cuts interest rates on savings accounts

State Bank of India has cut interest rates on savings accounts. It is now a rationalised interest rate across all savings accounts to 3%. This will be applicable for 44.51 crore account holders. The current interest rate for deposits of up to Rs.1 lakh is 3.25% while for deposits of above Rs.1 lakh it is 3%. This will now be a flat 3% across all deposits and all accounts. The bank has also waived the charges for maintaining an average monthly balance on all the 44.51 crore savings accounts. The current average monthly balance in rural, semi-urban, and metro areas is Rs.1,000, Rs.2,000, and Rs.3,000 respectively. The penalty for non-maintenance of the Average Monthly Balance used to range from Rs.5 to Rs.15 plus applicable taxes. SMS charges have also been waived. The bank also reduced the interest rates for fixed deposits across certain tenors. The interest on retail term deposits of less than Rs.2 crore has been reduced by 10 to 50 basis points across certain tenors.

Yes Bank looking to reduce the savings account interest rate

Following an infusion in capital and a change in management, Yes Bank is now looking to bring down the savings account interest rate to less than 6% and cut down deposits. According to the details available on the official website of Yes Bank, in case the account balance is Rs.1 lakh and above, the savings rate is 6%. According to a source, the decision in regards to the savings rate will be considered by the end of March. After the withdrawal cap of Rs.50,000 was removed on 18 March 2020, the bank is facing a challenge if customers want to withdraw more money. On 5 March 2020, the Reserve Bank of India (RBI) enforced a restriction on Yes Bank where its customers can withdraw only up to Rs.50,000. According to a tweet made by Yes Bank, the bank has extended its working hours by another hour for public convenience.

Latest interest rates on bank savings accounts in small finance banks

Each bank has a certain minimum balance that is required to maintain a savings account which may differ from bank to bank. If the minimum balance is not maintained, a penalty would have to be paid. The rate of interest also differs from bank to bank. Some of the latest interest rates from small finance banks in India are as follows: IDFC First Bank offers an interest rate of 6.00% p.a. for a balance of up to Rs.1 lakh. For balances above Rs.1 lakh, the interest rate offered is 7.00% p.a. Ujjivan Small Finance Bank offers an interest rate of 4.00% p.a. for balance of up to Rs.5 lakh, 5.50% p.a. for balance between Rs5 lakh to Rs.50 lakh, 6.75% p.a. for balance amounts that range from Rs.50 lakh to Rs.5 crore, and 7.00% for balance that exceeds Rs.5 crore. Utkarsh Small Finance Bank offers interest rates of 7.00% p.a. for balance up to Rs.25 lakh, 7.25% p.a. for incremental balance between Rs.25 lakh to Rs.10 crore, 7.75% p.a. for incremental balance that is above Rs.10 crore, and 7.00% for any balance up to Rs.25 lakh. Equitas Small Finance Bank offers interest rate of 4.50% p.a. for balance up to Rs.1 lakh, 6.00% p.a. for up to Rs.1 crore, 7.00% for balance between Rs.1 crore and Rs.5 crore, 7.25% for balance between Rs.5 crore and Rs.30 crore, and 7.50% for amount between Rs.30 crore and Rs.50 crore.

Important Things to Know About SBI Net banking

State Bank of India has issued important dos and don’ts for its customers to know about using its net-banking facilities. Some of these points are to make sure that your computer is free of malware. It is also important to change passwords frequently. Never reveal passwords to anyone. Card details should also not be revealed to anybody. It is important to also ignore any communication, whether by phone or email, that requires you to divulge your passwords. Before using SBI’s net banking, it is important to make sure of the following points: check that the SBI URL starts with ‘'https’'. The status bar or address bar should show the ‘'padlock’' symbol. You can click on this to view the security certificate. The address bar should turn green which shows that the website is secured and has the SSL Certificate which means the Extended Validation Standard. You should also be aware of phishing attacks, which is soliciting your personal confidential account information through emails, SMS, or phone calls. Any such phishing attempts should be reported to the email address: report.phishing@sbi.co.in. If such confidential information has been revealed accidentally, the next step is to lock your net banking user access immediately.

Lowered key lending rates followed by the repo rate cut by RBI

The Reserve Bank of India (RBI) has recently decreased the interest rates by 35 basis points (bps). Following this rate cut, a number of lenders have slashed their benchmark lending rates. The banks have been rather quick in passing on the benefits of the rate cuts to their customers. The cut in the rates basically means that the loan products are going to be cheaper.

The latest rate cut which has announced by RBI is the fourth rate cut in this calendar year. Overall, the repo rate has been slashed by 110 basis points. The banks which have already cut down their benchmark lending rates are – State Bank of India (SBI), IDBI Bank, Bank of India (BOI), Bank of Maharashtra (BOM), Syndicate Bank, Allahabad Bank, Indian Overseas Bank (IOB), and Bank of Baroda.

Credit card dues can be deducted from a savings account if not paid on time

HDFC Bank can recover the credit card dues from the savings account a customer holds with the bank automatically, if the dues have been outstanding for a long period of time. According to the terms and conditions, the bank does not need to inform the customer about the deduction made from their savings bank account to pay the bill.

According to the National Consumer Disputed Redressal Commission in New Delhi, the terms and conditions of HDFC Bank states that the bank can at any time without notice have lien and have the right to set off on all monies belonging to the card member and/or add-on card member standing to credit in any account/custody of the bank, if upon demand by the bank, the balance amount on the account is not repaid within the prescribed time.

SBI customers required to maintain Rs.3,000 as AMB in their savings account

Country’s largest lender State Bank of India (SBI) has recently reduced the rate of interest on its savings account (SA) to 3.25% for balances less than Rs.1 lakh effective 1 November 2019. Depending on the type of account, customers holding savings account with SBI are required to maintain a certain amount as an average monthly balance (AMB). Failure to maintain the AMB will attract penalty charges that will depend on the areas you are residing, whether it is metro, semi-urban, and rural areas. If you hold a savings account in SBI branches in metro and urban areas, you will be required to maintain Rs.3,000 as AMB. In semi-urban branches, the AMB requirement is Rs.2,000 while those in rural areas will need to maintain a minimum balance of Rs.1,000. If you fail to maintain the AMB in the metro and urban areas, you will be charged a penalty ranging between Rs.10 plus GST and Rs.15 plus GST. In semi-urban and rural branches, the penalty charges are Rs.7.5 plus GST to Rs.12 plus GST and Rs.5 plus GST to Rs.10 plus GST respectively.

GST of 18% is applicable on all banking products and services from July 1, 2017 onwards.

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Savings Account Reviews

Page 1 of 3 1 2 3
  • Kotak
    "Worst bank ever"
    0.5 0.5/5 "Unacceptable"
    Itâ??s not even worth one star rating. This is the second time I had applied and got an atm card and itâ??s again showing itâ??s various way to not trust again. After few months the card will start declining wherever I have to pay, will say that the mpin is wrong even if itâ??s right, if you want to pay through google or paytm also it wonâ??t work. This was the last time I got any card from this bank.
    Was this review helpful? 266
    , bangalore
    Reviewed on Mar 15, 2020
  • YES Bank
    YES Bank
    0.5 4.0/5 "Great!"
    I think its nice to apply, it has been very fast and easy let's see what happens next if its open means I'll be very much happy person, pleas let me no soon that I can be a customer of this bank I had pan card permanent account number and I didn't have addar card though.
    Was this review helpful? 242
    , hyderabad
    Reviewed on Mar 20, 2019
  • Kotak
    0.5 4.0/5 "Great!"
    I am having a Platinum Debit card from Kotak Mahindra Bank. The daily withdrawal limit is sufficient. I don't get any benefits on the card but its easily accessible everywhere. I got a hidden charges of 150 rupees which was debited from my account. There is no charges for other ATM swipes and there is no limitation.
    Was this review helpful? 262
    , mumbai
    Reviewed on Jan 28, 2019
  • Kotak
    "Worst Kotak 811 services"
    0.5 0.5/5 "Unacceptable"
    Opened an account in December 2018 not received any call from customer care for document completion till yet also visited the nearest branch and no action has been taken . Worst services of this bank . Even the executive and staff has not been responsible and their behavior is also very rude.
    Was this review helpful? 276
    , new delhi
    Reviewed on Jan 16, 2019
  • YES Bank
    0.5 4.0/5 "Great!"
    I think its nice to apply, it has been very fast and easy let's see what happens next if its open means I'll be very much happy person, pleas let me no soon that I can be a customer of this bank I had pan card permanent account number and I didn't have addar card though.
    Was this review helpful? 176
    , bangalore
    Reviewed on Oct 03, 2018
  • YES Bank
    0.5 5.0/5 "Blown Away!"
    I've been using the YES BANK Edge credit card for a while. The Value of the points are really good. I've already accumulated more than 15000 reward points. I am really impressed with the card and their services. I never had any issues with them.
    Was this review helpful? 148
    , hyderabad
    Reviewed on Sep 19, 2018
  • YES Bank
    "What to write? You can write a review about any Loan produc"
    0.5 5.0/5 "Blown Away!"
    awesome great job i like your services i feel happy u provided help to need a urgent way tnq so much tnq bankbazar first time i am online visitor i cant explain how much i m happy bankbazar i would like too u say thnku bankbazaar your service is too much fast rapid
    Was this review helpful? 109
    , bangalore
    Reviewed on Mar 11, 2018
  • Kotak
    "Good Bank"
    0.5 4.0/5 "Great!"
    I have a Kotak Bank i opened through Online portal. It is Very Easy to Open .Zero Rupees Charges.I ordered for a Debit card of kotak bank i got it delivered.Kotak App is Very User Friendly to Everyone.Zero balance maintain No Extra Charges..Quite Good App
    Was this review helpful? 175
    , bangalore
    Reviewed on Feb 16, 2018
  • Kotak
    "Decent Credit Card"
    0.5 4.0/5 "Great!"
    I have a Salary account with them and the bank has offered a complimentary Credit card on the basis of this account. They have given me a Credit Limit of Rs.2.5 Lakhs, which I felt is quite a good one to have. One thing which let me down over here is their high interest rate. Also an added advantage is, they have good reward points system available with them.
    Was this review helpful? 129
    , chennai
    Reviewed on Jan 23, 2018
  • Kotak
    0.5 4.0/5 "Great!"
    I am using domestic debit card of Kotak Mahindra Bank. The daily withdrawal limit was 25,000 rupees which was satisfactory. I am using this debit card for the last six months. There is no charge for other ATM swipe. ATM facilities are good and enough.
    Was this review helpful? 125
    , navi mumbai
    Reviewed on Jan 04, 2018
  • Kotak
    "Good service"
    0.5 4.0/5 "Great!"
    Within 4days of time I got the car loan from Kotak Mahindra bank. The customer support is good with Kotak mahindra bank. The rate of interest which they have offered was low, when compared with other banks. The required loan amount has been disbursed and I am happy with it.
    Was this review helpful? 123
    , hyderabad
    Reviewed on Oct 16, 2017
  • RBL Bank
    "Ratnakar Bank Debit card "
    0.5 5.0/5 "Blown Away!"
    Ratnakar Bank debit card facility is too good. Very useful options for using debit cards at different pos and online payment system. Bank customers care facilities are also prompt in service with customer. RBL is rising bank in all villages.
    Was this review helpful? 255
    , pune
    Reviewed on Aug 21, 2017
  • Kotak
    "Kotak Mahindra Bank Fraud Services"
    0.5 0.5/5 "Unacceptable"
    Kotak Mahindra Bank has **fraud banking services**. Rs. 800+ charge for other ATM Withdraws. 10000+ Charge for not maintaining minimum balance. 1000+ for delayed credit card payments. One Purchase = Service Tax+Conversion Charge+Interest Charge+Actual MRPâ?¦. **Close all your accounts** of Kotak Mahindra Bankâ?¦
    Was this review helpful? 258
    , bangalore
    Reviewed on Apr 06, 2017
  • Kotak
    0.5 5.0/5 "Blown Away!"
    Was this review helpful? 107
    , vadodara
    Reviewed on Mar 26, 2017
  • Kotak
    "Share a experience with Kotak Mahindra Bank on line service"
    0.5 4.0/5 "Great!"
    I like Kotak Mahindra Bank because this bank replied fast comparing with another bank.The process was comleted process on line with in a five minute.its pleasant experience when compared with other bank services I like Kotak than another private sector banks.
    Was this review helpful? 61
    , ahmedabad
    Reviewed on Mar 25, 2017
  • Kotak
    "zero use for kotak rupay debit card"
    0.5 0.5/5 "Unacceptable"
    i applied for a kotak mahindra rupay debit card after surrendering my existing visa debit card. firstly for some strange reason kotak doesnt allow rupay debit card as a addon card to my existing visa card. hence they automatically blocked my visa debit card on applying for rupay card. next i tried using the kotak rupay debit card on various POS terminals and online transactions. but it was declined everytime. later i got to know that they mention that it cant be used online. but there is no mention of non usage at POS too. after i tried it at around 20-30 machines i wrote them an email. to which they replied that there rupay card is not enabled for POS yet. and its not happening anytime soon. WHILE OTHER BANKS' RUPAY CARD WORKS EASILY ONLINE AS WELL AS AT POS, KOTAK CHOSES NOT TO ENABLE THESE. this card is only usefull for taking out cash from atm and that too only 10000. i was left bitterly dissapointed and have finally blocked it for reissue of visa debit card.
    Was this review helpful? 99
    , new delhi
    Reviewed on Mar 09, 2017
  • YES Bank
    "Average Experience"
    0.5 4.0/5 "Great!"
    At present, I dont have an interest to take YES Bank debit card, Because I am an existing customer of HDFC and SBI bank, So I thought not to process with new bank. YES bank service was good and prompt. I hope YES Bank saving account processing fee would be Rs.15,000 to Rs.20,000.
    Was this review helpful? 46
    , warangal
    Reviewed on Dec 16, 2016
  • Kotak
    "Very Poor service - Dont go for it - i am frustrated ."
    0.5 0.5/5 "Unacceptable"
    Deducted money, I tried to communicate with them, but I didnt get any response. having many features of KOTAK bank is not good when it comes to customer service. Do not open your account in Kotak bank they will not give you service. I am frustrated with Kotak bank. Very bad feelings.
    Was this review helpful? 95
    , pune
    Reviewed on Dec 15, 2016
  • Kotak
    "Make False Offer"
    0.5 0.5/5 "Unacceptable"
    I'm a Kotak Platina Salary account holder which comes with a Kotak Platinum Debit Card. The Platinum Card holders has no withdrawal limit from Kotak and Non-Kotak ATM in india. Everything was going fine for last 1.5 year. I have been happily withdrawing cash around 10-15 times a month from Non-Kotak ATM. Suddenly they charged me with some CW Fee. Querying on that, I get to know that they downgraded my account upto five ATM transaction/Month. The reason of downgrading my account is many number of withdrawal of 300-400 INR. But still they are showing in the charges page the same unlimited Kotak and non-Kotak transaction. The link of the charges page is : http://www.kotak.com/service-charges.html
    Was this review helpful? 78
    , bangalore
    Reviewed on Dec 10, 2016
  • Kotak
    "Good overall"
    0.5 5.0/5 "Blown Away!"
    I am happy with the services and response I received from Kotak Mahindra Bank for the debit card application. They contacted me and informed me all the details and the procedure as well. Since I went ahead with another bank, I cancelled my application with them. I do not wish to comment on the charges.
    Was this review helpful? 69
    , mumbai
    Reviewed on Dec 05, 2016
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