Standard Chartered Bank United Kingdom (UK) ka ek bahut bada private sector bank hai, iski branches duniya bhar ke alag-alag deshon mein moujood hain. Standard Chartered PLC ek multinational company hai jo banking aur financial services ke liye jaani jaati hai. Standard Chartered bank ki branches doosre deshon ki tarah India mein bhi moujood hain. Standard Chartered Bank ka headquarter London mein hai, yeh duniya bhar ke 70 se bhi zyada deshon mein phaile hue 12,000 se zyada branches ke network ko operate karta hai.
Standard Chartered Bank ek bahut hi popular bank hai. Standard Chartered Bank apni behtreen sevaon aur facilities ke liye jaana jaata hai. 
Sabse acchi baat yeh hai ki Standard Chartered Bank ki branches India mein bhi paayi jaati hain, aur is wajah se hum bhi apna account is mein khol sakte hain aur sabhi facilities ka labh le sakte hain. Standard Chartered Bank kai prakaar ke Accounts provide karta hai. Indian Private Sector Banks ki tarah hi Standard Chartered Bank bhi kai tarah Savings Account provide karta hai, jo lagbhag Indian Private Sector Banks jaise HDFC, ICICI, Axis etc. ke savings accounts ke jaise hi hote hain. 
Private Bank mein jaise HDFC, ICICI, Axis etc. mein Zero Balance se Savings Account kholna lagbhag namumkin hota hai. Lekin Standard Chartered Bank jo ki bahut bada bank maana jaata hai, aapko Zero Balance Account ki bhi facility deta hai. Standard Chartered Bank mein Zero Balance se Account khola jaa sakta hai aur is account mein Minimum Monthly Average Balance bhi rakhne ki zaroorat nahi hoti hai. Is account ka naam 'aaSaan Savings Account' hai isko aamtaur par 'Basic Savings Bank Deposit Account' (BSBDA) se jaana jaata hai. Is post mein hum aapko isi account ke baare mein jaankari denge, aur aapko batayenge ki kya aapko yeh account khulwana chahiye ya nahi.
To sabse pehle is account mein milne wale benefits (faide) ke baare mein jaan lete hain.

Benefits of Standard Chartered Bank aaSaan Savings Account:

Zero Balance Account: Standard Chartered Bank ke aaSaan Savings Account mein milne wala sabse bada faida yeh hai ki yeh ek Zero Balance Account hai.
No Minimum Balance Requirement: Is account mein kisi bhi tarah ke minimum balance banaye rakhne ki zaroorat nahi hai.
Free Debit Card: Is account mein aapko free Debit Card milega, jisse ki aap ATMs se paise nikaal sakte hain aur doosre kai tarah ke payments kar sakte hain.
Free Chequebook: Is account mein aapko free chequebook diya jaata hai, jo ki personalised hota hai aur multicity bhi hota hai.
Unlimited Free ATM Withdrawals: Is account se aap jitni baar chaahen kisi bhi bank ke ATM se paise nikaal sakte hain wo bhi bina kisi charge ke.

 To yeh the kuch benefits jo aapko is account par diye jayenge. Ab baat karte hain is account ke features ki.

Features of Standard Chartered Bank aaSaan Savings Account:

Online Banking: Standard Chartered Bank ki Online Banking Services ki madad se aap apne account ko control aur manage kar payenge.
Standard Chartered Mobile: Standard Chartered app ke zariye aap apne account se IMPS, NEFT aur RTGS ke zariye fund transfer kar sakte hain aur Credit Card aur doosre bills ka online payments kar sakte hain.
Digital Payment Solutions: Standard Chartered Bank UPI ki bhi suvidha deta hai jiski madad se aap Instant (turant) Payment kar sakte hain.
Free Platinum Debit Card for First Year: Is account mein aapko ek saal ke liye free mein Platinum Debit Card diya jayega.

 Ab baat karte hain ki kaun yeh account khol sakta hai aur is account ko kholne ke liye kya eligibility criterias hain.

 Eligibility:
Resident individual
Foreign national
Hindu Undivided Family (HUF)
Is account ko kholne ke liye Bhartiya Nivasiyon ke liye Aadhar Card aur PAN Card zaroori hai. Is account ko kholne ke liye 2 proof lagte hain 1: Indentity Proof aur 2: Address Proof aur ek Passport Sized Photograph lagta hai.

 Identity Proof mein aap in documents mein se koi bhi document laga sakte hain:
Identity proof :
  • Aadhaar
Anyone of the following photo cards:
  •   Passport
  •   PAN card
  •   Voter Id card
  •   Govt ID

Address Proof mein diye gaye in documents mein se kis ek document ko laga sakte hain:
Address proof :
  • Aadhaar
Anyone of the following documents with current residence address:
  • Passport
  • Driving license
  • Phone bill, electricity
  • Other utility bills
  • Rental agreement
  • Latest bank/credit card statement

MINIMUM BALANCE REQUIREMENT

  • Monthly Average Balance (MAB)                [NA]
  • Account Maintenance charges                     [NA]


GENERAL CHARGES

Account statements
  • Quarterly Statements     [Free]
  • Monthly Statements      [Free*]
"*Available at domicile branch for”
"Customer-in-Person"" (CIP)
  • Passbook                      [Free*]
"*Available at domicile branch for”
"Customer-in-Person"" (CIP)
  • Duplicate passbook issuance [Free]

Cheque book
  • Personalized cheque book (local) [Free]
  • Multicity Cheque Book (Personalised) [Free]

ATM Usage
  • Standard Chartered ATM's in India [Free]
  • Non-Standard Chartered ATM's in India First 5 (Financial & Non-financial^) transactions [Free*]
  • Above First 5 (Financial & Non-financial^) transactions in a month (per transaction)" [Free*]
^ Balance enquiry is considered as non-financial transaction
* The maximum cash you can withdraw using your Debit Card at other banks ATM's is INR 10,000 per transaction. However, this limit may vary as per the discretion of the other Bank"
  • ATM's outside India* [Free]
*Cash withdrawal subject to RBI guidelines

 ATM Cards
  • First Year Fee [Free]
  • Annual Fee (per card) [Free]

 Corporate Platinum Card 
  • First Year Fee [Free]
  • Annual Fee (per card) [Free]

ShopSmart Debit Card 
  • First Year Fee [Free]
  • Annual Fee (per card) [Free]

Platinum Debit Card 
  • First Year Fee [Free]
  • Annual Fee (per card) [Free]

 m-Commerce Platinum Debit Card /Titanium Debit Card 
  • First Year Fee [NA]
  • Annual Fee (per card) [NA]

Lost Card re-issuance 
  • ATM Card [INR 150]
  • Shop Smart debit card [INR 200]
  • Platinum Debit Card [INR 799]
  • "m-Commerce Platinum Debit Card /Titanium Debit Card" [NA]

Cross-currency mark-up charges on cross border transactions on debit card* [3.5% + applicable taxes]
*The exchange rate will be the VISA / MasterCard
wholesale exchange rate prevailing at the time of
transaction/merchant settlement"

 Manual cash withdrawal
  • At designated VISA partner bank branches in India [NA]
  • At designated VISA partner bank branches outside India* [NA]
*Subject to Reserve Bank of India guidelines
  • Replacement of PIN [Free]


BRANCH TRANSACTION CHARGES

  • Cash Deposit/Withdrawal [Free]
  • Pay order/demand draft [Free]


PHONE BANKING SERVICE CHARGES

  • Self-service IVR calls [Free]
  • Non-IVR calls attended by phone banking officers [Free]


OTHER ACCOUNT RELATED CHARGES

Duplicate statement
  • Statement upto 3 months old [Free]
  • Statement more than 3 months old [Free]


Account closure 

Stop payment
  • Single cheque [Free]
  • Range of cheques [Free]


 Cheque return 
  • Due to technical reasons [Free]

Cheque issued by the customer (due to financial reason)
  • First cheque return in the last 12 months [INR 500]
  • More than one cheque return in the last 12months (per return) [INR 750]
  • Cheque deposited by the customer (due to financial reason) [INR 150]
  • Foreign currency cheque* [INR 181*]
*Other Bank charges additional

Electronic Clearing Service return

ECS debit instruction issued by the customer and
returned unpaid
  • First ECS in the last 12 months [INR 500]
  • More than one ECS return in the last 12 months (per return) [INR 750]

SPECIAL SERVICES

Foreign Inward Remittance Certificate / Form 10H
  • Within one month of the transaction [NA]
  • After one month upto 1 year of the transaction [NA]
  • After 1 year of the transaction [NA]

Certificate of Balance/Certificate of Interest
  • Certificate upto one-year-old [Free]
  • Certificate more than one year (per year) [Free]

Retrieval of documents
  • Document upto 6 months old [Free]
  • Document more than 6 months old [Free]

Standing Instructions
  • Setting up charges [Free]
  • Execution fee [Free]
  • Charges/commission on transaction additional [Free]
  • Amendment [Free]
  • Banker's report [Free]
  • Signature verification [Free]

OUTSTATION CHEQUE COLLECTION

  • Cheque drawn on any of our branches [Free]
Cheque drawn on another bank
  • (Our Branch Locations) [Free]
  • Speed clearing location [Free]
  • Other locations [Free]
  • Foreign Currency Cheque [NA]

REMITTANCES

National Electronic Funds Transfer
  • Inward [Free]
  • Outward [Free]

Real Time Gross Settlement Transfer
  • Inward [Free]
  • Outward [Free]

Immediate Payment Service (IMPS) [Free]
Pay orders/Demand Draft drawn on our branches [0.15%]
Min. fee INR 50, Max. INR 1,500

DD drawn on correspondent banks
(specified Locations*) [0.25%]
*List available at all our branches
Min. fee INR 250, Max. INR 5,000
For other locations, correspondent bank
charges will apply additionally

Foreign Currency Draft Cancellation/revalidation [NA]
Demand Draft/Pay Order [INR 100]

Lost/duplicate instrument [Free*]
*Correspondent bank's charges additional

Funds transfer

Transmission in Foreign Currency (Telex transfer)
  • Remittances upto USD 50,000 or equivalent value* [NA]
  • Remittances above USD 50,000 or equivalent value * [NA]
*Other Bank's charges additional

  • Remittances from abroad [NA]
  • DOORSTEP BANKING [NA]

 Agar aapke paas account kholne ke liye budget nahi hai to mere khyal se Standard Chartered Bank ka aaSaan Savings Account aapke liye bahut behtreen vikalp hoga. Agar aap kisi doosre private bank mein Zero Balance account kholna chaahenge to lagbhag yeh namumkin hota hai. Lekin Standard Chartered Bank mein aap aasani se Zero Balance se Savings Account khol sakte hain.Yeh bank aaj se lagbhag 50 saal purana hai aur yeh aaj ke time mein apni behtreen banking aur financial services ke liye jaana jaata hai. Halanki iski branches India ke sabhi shahron mein nahi hain, lekin taqreeban India ke sabhi bade shahron mein iski branches mil jayengi. Mere khyal se yeh bahut badhiya bank hai to agar aap chahen to ismein apna Savings Account, Zero Balance se khol sakte hain. Waise yeh bank Online Banking seva bhi deta hai, to aap iski madad se kahin se bhi apna account operate kar sakte hain. Yeh account kholne ke liye aapko Standard Chartered Bank ki branch mein jaana hoga aur sabhi zaroori documents sath mein le jana hoga, tabhi aap yeh account khol payenge. Is account par aapko 3.5% ka saalana Interest Rate milega, agar amount 50 lakh tak hoga to aur isse upar ke amount par 4% ka Interest Rate milega.