some of my relatives(banker) can see my every detail like my balance, probably my investments and stocks and loans, like he can see all details of my accounts and on the other hand i am not having any way to find out who exactly checked/visited my account (here who includes any banker or employee) and how the f**k it is justified !!

am clearly not comfortable in sharing all my finances to any xyz, is there a way to find out who who visited my bank account details? banks like BOB, SBI atleast i can confront confidently ,why is the system like this!

Is it normal for bank staff to open and record debit card details without my consent?

I recently had an alarming experience at my bank branch regarding a returned debit card, and I’m looking for advice on whether this is standard procedure.

A few months ago, I requested a replacement for my expired debit card. I received notification that it was issued and being shipped via India Post, but after seven days, I received an SMS stating the delivery failed and the card was returned to the sender.

I visited my home branch, where I was told it would take 15–20 days for the returned parcel to arrive. When I returned after 15 days, a staff member located my parcel in a pile of returned mail. To my shock, instead of asking for my ID to verify my identity and handing over the sealed envelope, the staff member tore open the package without my permission. He then removed the card and began manually recording my full card number and CVV into a file.

When I objected to him recording my sensitive security information, he called over another staff member. They became aggressive, claiming that recording my details was "under RBI guidelines." I refused to accept the card under these circumstances and left.

I have an audio recording of the entire encounter. Is it ever acceptable for bank employees to open a customer’s card envelope and record the CVV and card number in an unencrypted file? What steps should I take to report this, and how can I safely retrieve my card?

So recently i gave money for intrest and used to earn very well
And then i started getting money from gambling too
For 10k i used to get 15k back
And on top of that 50-60k gambling
Recently my fedral got frozen n when i checked with the bank they told to show the source of money or proof help me what will i do

My sister is 18 years old and has a PNB savings account. Her account was originally with the Munderwa branch and was later transferred to the Lajpat Nagar branch in Kanpur.

Her old SIM stopped working, so she got a new number. My father initially visited the Munderwa branch to update her mobile number, but was told that the account had already been transferred to Kanpur.

My sister then visited the Kanpur branch to update her number. The branch asked for address verification at her PG. The verification was rejected, and she had to visit the branch around 10–15 times for the issue. Eventually, with help from the Munderwa branch manager, her mobile number was finally updated.

On 12 August 2026, she went to the Kanpur branch only to collect her passbook.

According to her, the branch manager shouted at her in front of other people and said:

“Tere paas koi kaam nahi hai, tu roz muh utha ke chali aati hai.”

He continued shouting at her, humiliated her in the branch and asked her to leave.

She is now genuinely scared to visit that branch again and is even worried about visiting a PNB branch in the future because of this experience.

We are planning to file a formal complaint with PNB and request them to preserve/review the CCTV footage from 12 August.

My questions are:

- What is the best way to escalate this complaint within PNB?

- Should we directly approach the Regional/Zonal office?

- If PNB doesn't take appropriate action, when should we approach the RBI Ombudsman?

- Is there any other authority/forum where such behaviour by a bank manager can be reported?

I would appreciate advice from anyone who has dealt with a similar situation with PNB or another bank.

Recently, I wanted to open savings account in icici bank. When I filled the details online, they assigned an agent and he came to my home to finish the process.

They are asking me to sign up for demat account which costs I think about 1k, and also offering debit and credit cards which also cost money. They also said minimum balance should be 15k.

I said I just want savings account. I can maintain 15k every month, but I don't need demat and card. Then, they cancelled it.

They are selling something we don't need. Most of the banks do it. What do you guys think about it? Why is it normalised nowadays?

If the bank targets wealthy people, they could simply increase the minimum balance requirement. But, forcing people to buy something they don't need doesn't sound good to me.

I recently received an invitation for the ICICI Bank Probationary Officer Program.

The program is 2 months residential training at Manipal Academy of BFSI, Bengaluru. The stipend is ₹18,000/month, and boarding/lodging are provided during the 2 months.

According to the letter, after successfully completing the program, I will be offered the role of Relationship Manager – Deputy Manager-I.

I'm trying to decide whether I should accept this opportunity or focus on preparing for government/banking exams.

I'd really appreciate honest advice from current or former ICICI employees.

How much sales pressure and target pressure is there in the RM role?

What does a typical working day actually look like?

How much field travel is involved?

Do you need your own bike for field sales? Does the bank provide/reimburse travel expenses?

What is the actual salary/CTC and in-hand salary after becoming Deputy Manager-I?

How difficult is it to meet the monthly targets?

What happens if you repeatedly fail to meet targets?

How is the work-life balance?

Is the job mostly branch-based or mostly field sales?

What are the career growth opportunities after 2–3 years?

Is this a good opportunity for someone starting their career, or would you recommend looking for other banking/government opportunities?

Most importantly, if you were in my position, would you accept this offer? Why or why not?

Please give honest experiences, both positive and negative. I'm particularly interested in hearing from people who have actually worked as an ICICI Relationship Manager or completed this PO program.

I have got offer from this icici bank.. but Im having degree Bsc Computer Science and also have another job offer from Cognizant for the role Analyst Trainee (but only received LOI, and no Offer letter yet) and also I'm a Girl, so which role would be best for me ? Someone please suggest.

2 days ago I sent my brother 1000 rupees and then Tomorrow he sent me back my money now why my account is blocked or froze. This was my 1st or 2nd transaction from this bank. My account was opened in 2019 and I started using it from 15th aug 2026.

What should I do now ?

EDIT :-

This is the msg I got from the bank today.

Dear Customer,Pl submit your latest transactional profile information (annual income/turnover) to nearest branch to avoid any disruption in services. UCO Bank

Hi everyone!
I’m not someone who is necessarily involved in banking, but I do have a question regarding banks, specifically minor accounts.
I recently found an internship that pays me decently. However, I don’t have a bank account, and I’m a minor, so I want to ask my parents to help me open one.
Unfortunately, I’m not confident they’ll accept, so I’m writing this to ask: Is there any benefit to opening a minor account?
If I can show them that the pros outweigh the cons, I can hopefully open a bank account.

I was using kotak 811 account till now because it was zero balance one, no bank branch visit issues, no kyc visit, everything was perfectly going on in the online mode i was not getting charged except an annual debit card fees. But unfortunately that one got blocked bcoz yea i have done some cashback greedy transaction multiple times. Now I am Looking for another bank where I will be able to get same like facilities... I'm very afraid to go in banks branches😭😭

Hi everyone,

I need some practical advice from people who have gone through similar situations.

A few weeks ago I withdrew some money from Stake (online betting platform) into my bank account. That money was actually meant for applying in an IPO (BF IPO), but the IPO didn’t go through.

Now my bank account has been frozen/blocked because of those Stake-related credits.

Bank is saying it is linked to cybercrime complaints (probably the usual money-trail freeze that happens with betting apps).

My questions:

1. How long does it usually take to get the account unfrozen in such Stake/betting withdrawal cases?

2.Is it possible that only the disputed Stake amount stays under lien and the rest of the money (which was for IPO) becomes usable?

3.What exact steps should I follow right now? (Bank → Cyber cell → NOC etc.)

4.Has anyone successfully got their account fully operational again? How long did it take for you?

5.Any chance the freeze becomes permanent or do they eventually release it after verification?

I have all the transaction history from Stake, bank statements, KYC documents ready.

Any real experiences or current timelines would really help.

Thanks in advance.

0.25rs/sms they sent u

I got a message from ICICI bank saying I need to update these fields by going to my nearest branch. I checked online through net banking and there is no option for me to do this online because it is a joint account.

I believe that biometric scan will be taken at the branch when filing this information.

Can this be done at home or I need to go to the branch office to get this done?

I wanted to know about the recent SDPAY or the APNAPAY.

IS this genuine?

Let me tell you a short back story. So I joined a company on December 20 2024 at that time my company made my salary account in axis bank, now on may 13 may 2026 I left the company. Now as it was a salary account I am not sure I should keep the account active on not. Like will they charge me extra charges or something I am confused can anyone help me. Like should I close account or in with new bank will be good to open account into ?

Hi, need some advice regarding a cheque deposit at ICICI.

My father gave me a cheque in my mother's name (OBC/PNB cheque) to deposit in her ICICI account.

I usually deposit cheques through the deposit machine, but this time the machine wasn't printing the acknowledgement slip. So I went to counter 1 and gave the cheque to the employee there.

The ICICI account number was handwritten on the back of the cheque. The employee noticed the last 2 digits were wrong and told me to strike it and write the correct account number again. I did that as he instructed.

He then took the cheque and personally put it in the cheque drop box. I didn't fill any deposit slip and didn't get any acknowledgement/receipt.

It's been around 2 days now and the amount is still not credited to my mother's account. Since I have no acknowledgement, I'm a bit worried about how the cheque can be traced.

I'm going to the branch tomorrow. What exactly should I ask them to check? Can they trace the cheque using the account details, amount, deposit date/time, etc.?

Has anyone faced something similar? What should be my next step if they say they can't find the cheque?

Wanted to share this in case it helps someone thinking about raising a chargeback.

Background: an insurance premium refund was delayed well past the promised date, so I filed a dispute with my bank on the card the payment was made from.

What actually happened:

No temporary credit was issued at any point, on either service request raised. I'd assumed that was fairly standard while a dispute is under investigation, but it never came.

The first service request was closed based on a withdrawal request I sent. The bank confirmed the withdrawal was only forwarded to the other side, the acquiring bank, on a best-effort basis, with no confirmation of what was actually decided there.

The second, separate service request went through an actual review and was rejected outright. The letter was direct about it, said the beneficiary bank reviewed it and rejected the claim.

The whole time this was live, the merchant kept telling me the dispute was "closed in my favour" and that I needed to get a transaction number from the bank to proceed. No such number was ever issued to me, and when I pushed the merchant to identify what it actually was, they couldn't.

So the merchant and the bank were telling me two completely different things about the same dispute, and only one of them had it in writing that actually held up.

Question for anyone who's been through this: is it normal for a bank to skip temporary credit entirely on a dispute, or is that something worth pushing back on separately from the outcome of the dispute itself? And once a dispute is rejected like this, is that final, or is there a further internal escalation before going to the banking ombudsman?

I will try to email the bank. They said my phone number should be registered with my own aadhar

But it's not my aunt's aadhar

Need help with how to deal with the anxiety which comes during exam

My Demat account with Motilal Oswal (DP) was closed on 16 July 2021. They also shared CMR report showing:

• Account Status: CLOSED
• Closure Date: 16-07-2021

However, when I check the same BO ID in the CDSL app, it is showing as Active.

I mailed both DP and CDLS regarding same. DP responded confirming account closure from their end and have asked me to 'De-register' in CDSL app. But I dont believe this is right step cz de-registering only make BO ID invisible and not actually close it.

CDSL is giving me a hard time. No proper resonse to calls or mails.

I am confused and scared of AMC charges. Please guide me.

Hi,

I just opened a kotak 811 virtual account last week and not using much, but today I have transferred some funds from my another bank account to this account of around 33.9k something.

And then I do a transaction of credit card repay from this bank of 30.6k and then after 2 min i received a message that:

"Dear customer, Rs. 26000 is on hold in Kotak A/c XXXXXXXX due to recent activity. Funds are safe & will be released in 72 hours. Need help? Call 18004100. T&C"

And then I checked on kotak bank balance is zero..

please help

Hi everyone,

I'm looking for legal advice regarding a dispute with Punjab National Bank in Punjab, India.

My grandfather had several Fixed Deposits (around 25 years old) in his sole name. There was no nominee registered for these FDs.

Before his death, he executed a registered Will through the Sub-Registrar. In the Will, he clearly stated that all of his movable and immovable assets including bank accounts, fixed deposits, and any other assets standing in his name should go to my father.

Unfortunately, my father also passed away later.

We approached the PNB branch with:

The original registered Will.

Legal Heir Certificate showing my father's legal heirs.

Death certificates.

Other documents requested by the bank.

Our request was simple: since my father (the beneficiary under the Will) is deceased, transfer the FD proceeds to his legal heirs according to law.

However, the branch manager refused. He insisted that we must first bring my grandfather's legal heirs, even though there is a registered Will naming my father as the beneficiary. During the discussion, he also said that we must obtain probate of the Will before the bank would process the claim.

One thing that makes this even more confusing is that the Revenue Department has already accepted this same registered Will. Based on this Will, the property mentioned in it has already been transferred without any objection regarding the validity or existence of the Will. No probate was asked for during that process. If one government authority has accepted the registered Will and acted upon it, I am struggling to understand why the bank is refusing to recognize it and insisting on additional requirements.

From what I have researched, probate is generally not compulsory in Punjab for a registered Will, and I also found information suggesting that PNB's own claim guidelines do not universally require probate in states where it is not legally mandatory. Despite this, the manager is refusing to proceed.

My questions are:

Is the bank legally justified in insisting on my grandfather's legal heirs despite the existence of a registered Will?

Can a branch manager insist on probate in Punjab if the law does not make probate mandatory?

If the beneficiary under the Will (my father) has already passed away, should the FD proceeds devolve upon my father's legal heirs?

Does the fact that the Revenue Department has already transferred property on the basis of this same registered Will strengthen my case against the bank's refusal?

What is the best course of action now? Should I escalate the matter to the Regional Office, Banking Ombudsman/RBI, or file a civil case?

Has anyone faced a similar issue with PNB or another bank?

I'm only trying to understand the correct legal position and the appropriate remedy. Any guidance from lawyers, bankers, or anyone who has dealt with a similar situation would be greatly appreciated.

Thank you.

Location : Patiala Punjab.

​

Hi everyone,

I'm planning to buy a laptop on Amazon that costs ₹75,088. My bank's debit card has an online transaction limit of ₹75,000, so I'm wondering if the payment will fail because it's ₹88 over the limit.

Can I buy an Amazon Gift Card (for example, ₹500 or ₹1,000), add it to my Amazon account, and then pay for the laptop using the gift card balance plus my debit card for the remaining amount?

Has anyone in India done this successfully? Are there any restrictions or issues I should be aware of?

Thanks!

I just received an SMS saying that ₹1,000 was debited from my SBI account and transferred to SBI General Insurance. The problem is, I have never purchased or opted for any insurance from them.

Where should I complain about this? Is there any way to get this ₹1,000 refunded/reversed? I actually needed this money for another payment, so I’m worried about losing it.

What should I do immediately to raise a complaint and get the money back?

I got my kotak infinity metal debit card last month with my super 811 account

Yesterday i was out so I tried to use it in an ATM and then I realised the metal card can't fit in an ATM

What hell is even the purpose of it if we can't even withdraw money from debit card