Best bank to have an account at?
Seen enough posts about credit cards, thought it was time to ask about banks! I have a decently sizeable income and am anticipating more coming in USD in the coming months potentially. Earlier my family and I used to have priority accounts at Citibank (including one current account). Citi had good relationship managers and our issues were resolved on priority but ever since the merger, I feel Axis hasn't been that good. Which bank accounts do y'all have accounts in? Would want a bank where can establish good priority relationships etc with!
Have been using ICICI bank for more than 5 years now. So far its been pretty good.
Do you just have a savings account with them or use other services as well?
See more comments
Our family have the same situation. We had all the Citibank Gold accts and when the news broke we moved everything to hdfc. Citi customer service was really good and Hdfc guys were running after us for money. We started with Imperia and then realised the non-sense charges they were levying so we did give them somethings, while kept some stuff at Axis. In axis they will take some time to change to Burgundy now, and service is not that great. Trick is to keep both of them in your fist with some money so that you have control. Get some work done from axis some from hdfc
HDFC we're quite unhappy with! After Zerodha, we didn't have any use for demat accounts and have placed a request to close them multiple times, but they're not closed and we get charged. The kick is, the accounts can't even closed online and need to be closed from the "head office"
The sheer headache! We've tried Kotak too, but they charge for everything, even IMPS payments!
I'm wondering if HSBC might be better? Especially with the foreign remittance part?
Yeah correct. We were able to get good rates from Hdfc. Before we were dealing with kotak but they were charging unnecessary in everything. Now we are playing with axis to get the required rates otherwise will continue with hdfc. The only advantage with hdfc is that branches are nearby so you can go and stand on their head and get the work done. Hsbc does not have physical presence well in the country
Do you just have a savings account with them or use other services as well?
What difference does it make? Everything is done online including loan application, address change etc. I have wealth acc in ICICI. Whatever bank it is, they automatically try to upgrade you if you maintain enough balance.
When it comes to getting forex, certain banks throw fits and have variable resolution time
With Citi earlier, we had priority banking so if there was ever an issue, the RM would get it resolved ASAP but with Axis now a few things have been stuck for months
Unfortunately, not everything is done online, changes to phone number/email on credit cards or accounts still require physical presence
phoebus
Stealth
a year ago
Bank of Baroda. Homely and nice
Haven't had very good experience with state banks, please share more about your experience with them!
phoebus
Stealth
a year ago
So I think state banks depend on the rapport you have with the staff in that branch. By rapport I mean just a normal rapport nothing implied. Digital banking for all big national banks is now good. So if you have the people there who help you when you need any branch work done, it's quite fine. I've used ICICI, and I much prefer Baroda cuz the staff knows me and it's just a nice family atmosphere.
ChotaChetan
Stealth
a year ago
HDFC has a very bad Internet banking experience, service is variable but better than Axis generally.Axis is much better in terms of tech but their service is nowhere near Citi.
Standard Chartered Bank will keep spamming for loans (even Axis does )
Heard good things about IDFC but no first hand experience
Yup, finally someone gets it! I mean, yes Citi had its issues as well, but the CS was good and smooth, being stuck with Axis after Citi is terrible!
With HDFC, we'd created family accounts but still got charged for some stupid things and now we've submitted requests to close a current account 2x but it's still stuck 🙄🙄
I have had a good experience with ICICI so far. Good offers, no issues. Around 2 years with them.
I have had a good experience with ICICI so far. Good offers, no issues. Around 2 years with them.
Discover More
Curated from across
