I have used axis bank and the reason I dont like it because there are too many charges in every thing whether it is receiving message on your transaction or just a simple NEFT transaction. There service is good but there are other banks also in which there service as very as the charges the take for it is very less I personally dont recommend axis bank there are better bank than axis bank. If you are fine with the charges they take than it is a good bank but if you look at a overall picture it stand out just as a average bank.