payment bank (paytmbank.com) customer care number 0120 445 6456
Paytm Payments Bank is an Indian digital bank, launched by Paytm, primarily focused on providing basic banking services through a mobile-first approach. Unlike traditional banks, a payments bank offers limited financial services, designed to reach a larger segment of the population that may not have access to full-fledged banking.
Paytm Payments Bank offers customer care services to assist users with issues related to their accounts, transactions, and other banking services. Here's how you can reach them:
1. Customer Care Helpline
For Banking Services (Account, Debit Card, etc.):
Phone Number: 0120-4456-456
Availability: The helpline is available 24/7 for Paytm Payments Bank-related queries.
2. Customer Care via Paytm App
You can access customer care directly from the Paytm app:
Open the Paytm app.
Go to the "Help & Support" section.
Select the issue you're facing related to Paytm Payments Bank or other services (e.g., account balance, failed transaction, etc.).
You can either read FAQs or raise a support ticket.
3. Email Support
For non-urgent queries or specific issues, you can contact Paytm Payments Bank via email:
Email Address: paytmbankcare@paytm.com
4. Grievance Redressal
If your issue is not resolved through regular customer care, Paytm Payments Bank has a grievance redressal process:
Nodal Officer Contact:
Email: nodalofficer@paytmbank.com
Contact Number: 0120-4456-456 (press 1 for nodal officer support)
Key Features of Paytm Payments Bank:
Savings and Current Accounts:
Paytm Payments Bank offers zero-balance savings accounts, meaning no minimum balance is required.
These accounts offer an interest rate, which can fluctuate over time.
Users also get a digital passbook to track transactions easily.
Deposits and Limits:
Payments banks are restricted from accepting more than ₹2 lakh per customer in deposits at any given time.
If deposits exceed this limit, the bank will notify the customer to transfer the excess funds.
No Lending:
Payments banks, like Paytm Payments Bank, cannot lend money to customers.
They focus on providing basic banking services like deposits, remittances, and issuing debit cards.
Debit Cards and UPI:
Paytm Payments Bank issues a virtual RuPay debit card and also offers the option for a physical card.
The bank is integrated with UPI (Unified Payments Interface), making it easy to send and receive money instantly.
Mobile Banking:
Being mobile-first, Paytm Payments Bank is integrated within the Paytm app, making it easy for users to open accounts, transfer money, and access various banking services on the go.
Integration with Paytm Wallet:
Paytm Payments Bank is closely integrated with Paytm Wallet. The wallet can be used for daily transactions like bill payments, mobile recharges, and shopping.
You can also transfer your wallet balance to your bank account.
No Credit Cards or Loans:
Since it is a payments bank, Paytm Payments Bank does not offer credit cards, personal loans, or any kind of credit facility.
Digital Payments and Services:
Users can pay bills, recharge phones, transfer money, and make purchases online or in physical stores using their Paytm Payments Bank account.
The bank supports a wide variety of payment services, including QR code-based payments.
ATM Withdrawals:
Paytm Payments Bank customers can withdraw cash using their physical debit card at any ATM in India.
Business Services:
Paytm Payments Bank also offers services for businesses, enabling them to accept digital payments through POS (Point of Sale) systems, QR codes, and other online payment gateways.
Regulatory Framework:
Paytm Payments Bank is regulated by the Reserve Bank of India (RBI), and it follows RBI guidelines regarding deposits, money transfers, and other services.
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