Go Back   Team-BHP > Around the Corner > Shifting gears


Reply
 
Thread Tools Search this Thread
Old 10th April 2017, 19:49   #511
BHPian
 
Join Date: Nov 2004
Location: World
Posts: 115
Thanked: Once
Default Problem with IDBI bank netbanking

Hi guys,

I have this peculiar problem with netbanking at the IDBI bank. I've more than one SB account (at different cities), one of which is for meeting all my everyday banking requirements (including netbanking transactions, -- if I can have it, that is). The problem is, I do not want any netbanking transaction access to any of my other accounts with them, -- only to this one particular account alone. But the bank, in their infinite wisdom, has this very peculiar system of allowing netbanking transaction facility not to a specific account, but to all accounts spanning a Customer ID (i.e. it will expose all accounts under that same Customer ID, and not just the one specific one as per my need)! I will not have it this way for security reasons. So I have to go to some other bank(s) just to meet all my netbanking transaction requirements!

My question is, have other banks already seen the light, and so meet this very basic requirement of providing account-specific netbanking access? Funnily, IDBI bank does allow account-specific access to debit cards (so I have that)! I wonder what stops them from extending the same basic security feature to netbanking as well !
meerkat is offline   Reply With Quote
Old 19th April 2017, 19:11   #512
BHPian
 
Pequod's Avatar
 
Join Date: Oct 2015
Location: TVM, COK
Posts: 35
Thanked: 23 Times
Default

Quote:
Originally Posted by meerkat View Post
Hi guys,

I have this peculiar problem with netbanking at the IDBI bank

IDBI bank offers selective net banking account access under single customer ID only to corporate entities viz. partnership firms, companies etc. For retail i.e. individual account holders there is no such facility, you either have only view access or full online transaction rights to all your accounts. Though this is meant to be convenient for the user, there may cases like yours where selective access option could be given.
Pequod is offline   Reply With Quote
Old 19th April 2017, 19:44   #513
BHPian
 
Join Date: Nov 2004
Location: World
Posts: 115
Thanked: Once
Default Re: Which bank to open an account in?

Thanks. Any idea about other banks? I believe IDBI bank can be prodded into seeing reason only if the competition have already done so!
meerkat is offline   Reply With Quote
Old 21st June 2017, 11:43   #514
Senior - BHPian
 
Join Date: Aug 2010
Location: Madras,Modena
Posts: 1,067
Thanked: 680 Times
Default Re: Which bank to open an account in?

Anyone tried linking kids accounts to parents' in ICICI? In HDFC it happens by default on the parent/guardian's online account.

The branch and phone banking seem clueless and seem interested in passing the ball There is no service request for this purpose either.

With the parent and 2 kids mapped to same mobile number. iMobile shows up one of the kids accounts, not the other 2 .

Any ideas?
narayans80 is offline   Reply With Quote
Old 11th October 2017, 20:07   #515
Senior - BHPian
 
shajufx's Avatar
 
Join Date: Apr 2007
Location: BLR & Muscat
Posts: 1,636
Thanked: 415 Times
Default Re: Which bank to open an account in?

I have had a 1 year banking with Deutsche Bank, Bangalore. Somehow the system entry was in the wrong category at the time of opening the account (their desk error). They used to send me the KYC documents every 3 months, RM told me to ignore it without checking the details and finally ended up with a frozen account start of this month. None of the usual transfers were possible from 1st Oct to 10th Oct. Which was totally disappointing and beyond any hope on the time required for a solution. DB do not have a mobile app, they are not in the scroll list of income tax or nsdl websites. So every tax payment had to be through my savings with HDFC.

I have a savings with Yes Bank which is top class in every way compared to any other bank I have dealt with in the past. The touch ID of Yes Bank mobile app is something that saves a lot of time and hassle. Please suggest me a reliable bank that is meant for salary transfers and the usual company bill payments etc. Love to have a mobile platform which is convenient to operate on the go. Question is:

1. Should I open a current acc with Yes Bank where I have a savings already ?
2. Should I go with HDFC where I have over 15 years banking history ?
3. Kotak Mahindra is another fast growing one I find, should I give a try ?
4. Have had bad experiences with ICICI and Axis in the past, so its a total No !
shajufx is online now   Reply With Quote
Old 11th October 2017, 20:18   #516
Senior - BHPian
 
R2D2's Avatar
 
Join Date: Oct 2008
Location: Punya Nagari
Posts: 1,816
Thanked: 1,035 Times
Default Re: Which bank to open an account in?

Quote:
Originally Posted by shajufx View Post
4. Have had bad experiences with ICICI and Axis in the past, so its a total No !
Have you tried Citibank?
R2D2 is offline   Reply With Quote
Old 11th October 2017, 20:20   #517
BHPian
 
babhishek's Avatar
 
Join Date: Sep 2006
Location: KOLKATA
Posts: 315
Thanked: 14 Times
Default Re: Which bank to open an account in?

Kotak is really good and I would recommend the same to you - especially their mobile banking!
babhishek is offline   Reply With Quote
Old 11th October 2017, 20:24   #518
Senior - BHPian
 
shajufx's Avatar
 
Join Date: Apr 2007
Location: BLR & Muscat
Posts: 1,636
Thanked: 415 Times
Default Re: Which bank to open an account in?

Quote:
Originally Posted by R2D2 View Post
Have you tried Citibank?
Once I had applied for a credit card, the service was very lousy. While checking some details, I found them demanding more from the customer. May be because they are already established, no interest for small companies

Quote:
Originally Posted by babhishek View Post
Kotak is really good and I would recommend the same to you - especially their mobile banking!
Thank you So much !

Last edited by shajufx : 11th October 2017 at 20:28.
shajufx is online now   Reply With Quote
Old 11th October 2017, 20:35   #519
Senior - BHPian
 
R2D2's Avatar
 
Join Date: Oct 2008
Location: Punya Nagari
Posts: 1,816
Thanked: 1,035 Times
Default Re: Which bank to open an account in?

Quote:
Originally Posted by shajufx View Post
Once I had applied for a credit card, the service was very lousy. While checking some details, I found them demanding more from the customer. May be because they are already established, no interest for small companies
Shaju, Citi's CC and Banking divisions operate differently. Yes, they do demand more in terms of deposit commitments. I have been utilising Citibank's services in one form or the other since '03/'04 and can confidently say they are really good/responsive/professional even when compared to India based stalwarts like ICICI, Kotak & HDFC all of whom I do business with.

But I've not experienced services by Yes Bank and IndusInd. But my brother who is based in the UAE banks with the latter and he's pretty happy.
R2D2 is offline   Reply With Quote
Old 11th October 2017, 22:33   #520
BHPian
 
Join Date: Mar 2016
Location: Gurgaon
Posts: 269
Thanked: 514 Times
Default Re: Which bank to open an account in?

Quote:
Originally Posted by shajufx View Post
Please suggest me a reliable bank that is meant for salary transfers and the usual company bill payments etc.
Check out IndusInd Bank. I opened Exclusive account with them 2 weeks back. Was very impressed with the service. Everything was done from my home, without having to visit the branch. The interest rates offered by them are also a bit more than market standard of 4%.
autorahul is offline   Reply With Quote
Old 11th October 2017, 23:20   #521
BHPian
 
deep_bang's Avatar
 
Join Date: Mar 2007
Location: Bangalore / Boise
Posts: 578
Thanked: 278 Times
Default Re: Which bank to open an account in?

I suggest State Bank of India. Simple and efficient service, once the basic setup is taken care of. Mobile app works well. Well supported for netbanking transactions on any Indian site.
deep_bang is online now   Reply With Quote
Old 12th October 2017, 00:36   #522
BHPian
 
wrongturn's Avatar
 
Join Date: Dec 2009
Location: Jaipur
Posts: 194
Thanked: 336 Times
Default Re: Which bank to open an account in?

I would suggest you to avoid ICICI at any cost, my hotel's POS machine is down since June when their tech came to update it and even after repeated calls, complaint letters, e-mails no one has even visited to check it till date. All they say is that tech would come tommorow, same response over & over again, and neither the tech nor that tommorow ever came till date. I was so frustrated that I didn't renew may car's insurance policy with ICICI Lombard, instead choose National Insurance, though this subject is not related to the topic but when ICICI can't even handle a simple POS repair job how can I trust them with the insurance of my car.
Previously they took nearly two months to update the phone number on the account which is absolutely rubbish.

Last edited by wrongturn : 12th October 2017 at 00:47.
wrongturn is online now   Reply With Quote
Old 12th October 2017, 01:57   #523
BHPian
 
kkkkkaran's Avatar
 
Join Date: Jan 2015
Location: Pune
Posts: 171
Thanked: 123 Times
Default

Quote:
Originally Posted by autorahul View Post
Check out IndusInd Bank. I opened Exclusive account with them 2 weeks back. Was very impressed with the service. Everything was done from my home, without having to visit the branch. The interest rates offered by them are also a bit more than market standard of 4%.

My family has been an Indusind Exclusive (grouped) customer since quite a few years now. They have literally spoiled us, when it comes to service.
kkkkkaran is online now   Reply With Quote
Old 12th October 2017, 19:38   #524
Senior - BHPian
 
shajufx's Avatar
 
Join Date: Apr 2007
Location: BLR & Muscat
Posts: 1,636
Thanked: 415 Times
Default Re: Which bank to open an account in?

Quote:
Originally Posted by babhishek View Post
Kotak is really good and I would recommend the same to you - especially their mobile banking!
Quote:
Originally Posted by R2D2 View Post
....not experienced services by Yes Bank and IndusInd. But my brother who is based in the UAE banks with the latter and he's pretty happy.
Quote:
Originally Posted by autorahul View Post
Check out IndusInd Bank. I opened Exclusive account with them 2 weeks back. Was very impressed with the service....
Quote:
Originally Posted by wrongturn View Post
I would suggest you to avoid ICICI at any cost...
Quote:
Originally Posted by kkkkkaran View Post
My family has been an Indusind Exclusive (grouped) customer since quite a few years now....
Thanks everyone Kotak and IndusInd are shortlisted, both are within 10 minutes from my place. An added bonus is my savings acc Yes Bank branch too located in the same area (Sahakar Nagar, BLR). I will just see what account options work for me best and take a call this weekend. With the ever growing traffic, congestion and no parking areas within the city, its good to have your home, work, banking, shopping, kids school etc, all within 5 kms. But I know its a wild dream, still trying to get most of them in one place
shajufx is online now   Reply With Quote
Old 12th October 2017, 19:59   #525
BHPian
 
Join Date: Dec 2014
Location: Chennai
Posts: 230
Thanked: 377 Times
Default Re: Which bank to open an account in?

Quote:
Originally Posted by shajufx View Post
Thanks everyone Kotak and IndusInd are shortlisted, both are within 10 minutes from my place.
I would suggest you avoid Kotak. They are one pestering lot. I remember when I had opened my account (through online ) and they wanted to physically verify IDs with a home visit. Despite telling them that I would be busy for the next ten days and asking them to fix an appointment anytime after it, the guy would keep calling everyday.

Their lack of systems is appalling . The website doesn't have any mention of account closure for accounts opened online (their 811 account).

Consider HDFC. They under promise and over deliver. I have always been amazed by their efficiency. Goof ups are quite rare with them.

Last edited by Ragavsr : 12th October 2017 at 20:11.
Ragavsr is offline   Reply With Quote
Reply


Thread Tools Search this Thread
Search this Thread:

Advanced Search


Similar Threads
Thread Thread Starter Forum Replies Last Post
Bank account for foreign remittance and Paypal withdrawal only? iTNerd Shifting gears 6 20th February 2015 11:41
Bank closed my car loan account by mistake! aeroamit Indian Car Loans & Insurance 74 7th December 2012 12:15
Bank charges fine for keeping an account idle Guna Shifting gears 24 12th May 2009 15:54
Open open open Sesame!! VJ_MAVRICK Shifting gears 12 10th January 2008 15:24


All times are GMT +5.5. The time now is 18:39.

Copyright 2000 - 2017, Team-BHP.com
Proudly powered by E2E Networks