उत्पाद विवरण
बैंक का नाम
DCB Bank
खाता नाम
DCB Niyo Savings Account
खाते का प्रकार
Saving
ब्याज दर
Up to 1 lakh-1.75% and from 1 lakh to less than 5 Lakh: 2.75% and from 5 lakh to less than 10 Lakh: 4.75%, and from 10 lakh to less than 25 Lakh: 7.40%.
निःशुल्क डेबिट कार्ड
No.
खाता खोलने का शुल्क
0
वार्षिक रखरखाव शुल्क
0
Minimum Account Balance
0
डेबिट कार्ड शुल्क
Platinum Debit Card by Visa. INR 500 from second year.
एनईएफटी शुल्क
Free through Net Banking.
आईएमपीएस शुल्क
AMB is 25,000 or more: Free
AMB is less than 25,000: 10 transactions free per month; thereafter per transaction charges as below:
Upto 1,000: Nil
1,001 and upto 25,000: 4.50 per transaction
25,001 and above: 7.50 per transaction
फीस और शुल्क
DCB Niyo Savings Account
विशेष लक्षण
Zero foreign exchange mark-up on all your international debit card transactions.
पात्रता मापदंड
To be eligible to apply for this account, you must:
Be a resident Indian (NRIs and foreign citizens cannot open this account).
Be 18 years of age or above (minors cannot open this account).
Have an active Indian passport (issued in 2014 or after) and Aadhaar linked active PAN Card.
Should not be a corporate/ business / HUF or politically exposed person.
फ़ायदे
विशेषताएं, पात्रता और लाभ
पक्ष विपक्ष
पेशेवरों
The account offers Visa platinum debit card.
Zero foreign exchange mark-up on all your international debit card transactions.
Immediate card blocking in case of theft or loss, making it convenient and secure.
Users can earn cashback up to ₹7,500 in a financial year with every valid UPI transaction of ₹500 or more, subject to the monthly number of transactions stated.
दोष
Low interest rate.
DCB Bank has limited branch and ATM network.
DCB Niyo Savings Account Review
The account is designed for Indians who travel abroad frequently. 0% forex on debit card is its USP. However, the interest offered on the account is average.
Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai
उत्पाद समीक्षा
खाता खोलने की प्रक्रिया और प्रक्रिया
How to open an Account?
To open a DCB Niyo Savings Account, you can follow these steps:
Download the Niyo App: Download the Niyo app from the Google Play Store or Apple App Store.
Register on the App: Create an account on the Niyo app using your mobile number and email address.
Complete Video KYC: Undergo a video KYC process within the app to verify your identity. You'll need your Aadhaar card and PAN card for this.
Set Up Your Account: Once your KYC is verified, set up your account details, including your name, date of birth, and address.
Fund Your Account: Transfer funds to your new DCB Niyo Savings Account to start using it.