I have been using DBS now since 2 years. One of the best.bank ever. The process of opening a bank account is made so easy. Just provide Aadhaar and PAN details and you are good to go. Earlier they even used to provide coffee on CCD when I went for the fingre print authentication. It’s a zero balance account. I have used it the most, can be said it’s my primary bank account. Easy to transfer and add money. I just love it.