Life in Stuttgart, Germany

Life in Stuttgart, Germany 

Life in Stuttgart

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How to get an OTP (One time password) / URN (Unqiue Registration Number) when you are outside India

How to get an OTP (One time password) / URN (Unqiue Registration Number) when you are outside India
Country	:Global
Example
Bank	ICICI
If you are travelling or on deputation to other countries from India. It will be difficult to get OTP/URN SMS on mobile phones during on-line banking like fund transfers/ e shopping etc... Option 1: You can retain the Indian network SIM card (eg. Airtel, BSNL,Vodafone )and keep it active by recharging or receiving calls when you are abroad. So that you get these SMS when you need Disadvantages: Additional Maintenance cost In case of post paid SIM, you need to pay monthly rent Additional handset for maintaining this number Option 2: People who visit for short/long term (>3months) may opt this Many leading banks like ICICI, SBI , Yes bank allows you to get these SMS on your abroad mobile numbers without changing your account to NRI account. I will take example of ICICI Go to http://www.icicibank.com/ Click on Mobile banking (scroll down to bottom of the page) Now click Register now from mobile banking options   Or click this link http://www.icicibank.com/mobile-banking/register.page? Now download registration form from ICICI NRI banking section    Fill all the details and attach necessary documents with self attestation and signature on registration form If you are from UK, USA, Canada, Australia, Singapore and UAE search local Postal address and send via local mail For others eg, Germany Visit nearest Deutsche post and send the post to Hyderabad address as mentioned in ICICI website (ref image above). Pay max 3.45€ for international post. (More on international postage costs without tracking number https://www.deutschepost.de/de/b/briefe-ins-ausland.html) It will take nearly 1month for updating your number, may be after 15-20days you can call bank customer care number to expedite the process..

Money transfer to India - Update

From	: Eurozone / Rest of the World
To	: India (INR)
With reference to previous blog Money transfer to India. Here is an update with comparison of top three service providers. Transferwise : From the developers of Skype, funded by Sir Richard Branson transferwise is easy and hassle free money transfer service with less service charges Yesremit: Powered by Yesbank, gives additional 50p per every Euro. Money2India: By ICICI has little advantages (see below) but lower currency conversion rates Others: click2remit (by Kotak), Worldremit, Axisremit etc...... Comparision of (Transferwise vs Yesremit vs Money2india) As on: 18.06.2015 For 1000 Euro Service provider TransferWise Yesremit Money2India Euros 1000 1000 1000 Exchange rate 72.67 71.81 72.00 Service charges 6.96Eur /1000Euro 0 0 Effective currency rate 72.16 71.81 72.00

Conclusion: Compare to hidden charges by bank. Transferwise is still better option to opt.

For first transaction upto 3000 GBP (Equivalent other currency) transaction fee is FREE. Which is equivalent to 30€.

To get this first transaction free: Click this below link or copy paste below link in your URL.

https://transferwise.com/u/eb0413

Points to be noted:

• Normal sign up will not have first transaction free.. only referral links like above will get first transaction free and save upto 30€.
• Always use proper name as in Bank details/Passport.
• Your account name and bank account name shall match.
• You may have to send passport copy to customer care for first time to verify the ID.

Other details are similar to Money transfer to India – Part1 post.

 

Source	Personal Experience