Updated October 13, 2026 · VaultCue Editorial Team
DBS digibank India vs GoPay
DBS digibank India
Higher score in this comparison
GoPay
Where DBS digibank India and GoPay differ
| Compare | DBS digibank IndiaReviewSee alternativesSee alternatives | GoPayReviewSee alternativesSee alternatives |
|---|---|---|
| Transfer fee | Free (RTGS, NEFT, IMPS, UPI P2P online) | Free 100 bank transfers/month; international transfer admin fee from Rp20.000 |
| Monthly fee | ₹0 | Not confirmed |
| Currency conversion fee | 0% | Not confirmed |
| Currencies | Not confirmed | 9 |
| Free ATM withdrawals | ₹0 | Not confirmed |
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Key differences
- Support channels: only GoPay offers Email.
- Pricing model: only DBS digibank India offers Low FX.
Our verdict on each
DBS digibank India
DBS digibank India suits people in India who want a free everyday account and will keep a working balance. The monthly fee is INR 0 and the account earns 2.5% to 5%, so the money only works harder once the balance sits above the INR 10,000 mark.
GoPay
GoPay takes a different path from a standard high street everyday account by keeping the focus on routine money management in one place. It is an everyday account for customers who want straightforward daily handling and who prefer to check coverage before choosing.
Score breakdown
| Area | DBS digibank India | GoPay |
|---|---|---|
| Cost | 9.4Monthly fee of INR 0 with a 0% currency conversion fee, though the savings rate sits at 2.5% to 5%. | Not confirmed |
| Offer | 8.6Savings pay 2.5% to 5% at a variable rate, but the account is an easy access account with a INR 10,000 minimum. | 9.3Higher |
| Trust | Not confirmed | 8.4 |
How they place
| Ranking | DBS digibank India | GoPay |
|---|---|---|
| Money transfer services | 194 of 1564 | 975 of 1564 |
Every fact side by side
| Fact | DBS digibank India | GoPay |
|---|---|---|
| Audience | Not confirmed | Teen |
| Pricing model | No monthly fee, Low FXCovers more | No monthly fee |
| Features | Free ATM | Not confirmed |
| Legal entity | DBS Bank India Limited | PT Dompet Anak Bangsa |
| Headquarters | India | Indonesia |
| Founded | Not confirmed | 2016 |
| Support channels | Phone, Help centre | Email, Phone, Help centreCovers more |
Savings
| Fact | DBS digibank India | GoPay |
|---|---|---|
| Headline rate | 2.5% to 5% | Not confirmed |
| Rate type | Variable | Not confirmed |
| Minimum deposit | ₹10,000 | Not confirmed |
| Access terms | Monthly Average Balance of INR 10,000 for the DBS Bank Savings Account; balance non-maintenance charge 6% of shortfall up to INR 500, charged monthly | Not confirmed |
| Account kind | Easy access | Not confirmed |
Money transfer
| Fact | DBS digibank India | GoPay |
|---|---|---|
| Delivery time | Same day if initiated before 11:30 AM IST cut-off, within 24 hours | Instant for domestic transfers; about 15 minutes for international transfers to Singapore |
| Payout methods | Bank | Bank, Cash pickup, WalletCovers more |
| Fee to send 1,000 | ₹0 to ₹500 | IDR 0 |
Where each stands against the rest
| Fact | DBS digibank India | GoPay | Median |
|---|---|---|---|
| Monthly fee | ₹0at the median | Not confirmed | ₹0 |
| Currency conversion fee | 0%below the median | Not confirmed | 0.5% |
| Currencies | Not confirmed | 9above the median | 5 |
Median across 536 listed accounts.
Pros and cons
DBS digibank India
Pros
- No monthly account charge, with a monthly fee of INR 0
- Currency conversion of 0% makes it cheap for spending abroad
- Savings pay 2.5% to 5% on a variable basis
Cons
- A INR 10,000 minimum deposit is needed to earn the 2.5% to 5% rate
- Support runs on phone and help centre only
GoPay
Pros
- Everyday account setup shaped around routine payments and regular money handling
- Clear account structure that helps customers review functions with confidence
- Practical option for customers wanting organised daily account activity
Who each suits
DBS digibank India
Who it suits
- Anyone in India paying rent, bills and salary in rupees
- People who want the free ATM withdrawals in free atm
- Anyone paid in from overseas, since Free (RTGS, NEFT, IMPS, UPI P2P online) covers it
Who should look elsewhere
- People who need a chat or branch channel rather than phone and help centre
- AXI Card Tarjeta y Credito, which charges a monthly fee of €0 on a card offer
GoPay
Who it suits
- Customers seeking simple daily account handling
- Customers reviewing routine account coverage with care
Current offers
DBS digibank India
Current offer
Bonus
Remittance exchange-rate offer on DBS Treasures: Save up to INR 17,000 with exclusive exchange rates
Terms marked with an asterisk on the DBS Treasures India page
Source, checked September 26, 2026
Bonus
Zero bank fee international remittance and LRS transfers: Zero fees, over 180 countries
Same-day transfer only if made before the 11:30 AM cut-off time for most currencies; T&C apply
Source, checked September 26, 2026
Country by country
| Country | DBS digibank India | GoPay |
|---|---|---|
| India | Yes | No |
| Indonesia | No | Yes |
Questions about each
DBS digibank India
Is there a monthly fee for the DBS digibank India account?+
No. The monthly fee is INR 0, so holding the account costs nothing in fees. Spending abroad is also cheap because the currency conversion fee is 0%. The account is a easy access account, which suits day to day banking in India.
How much interest do I earn, and does it change?+
The headline rate runs 2.5% to 5% and the rate type is variable, so the figure moves with the bank's rates rather than being locked in. The rate sits above the site median of 3%. Keep the balance at or above INR 10,000 to earn it.
GoPay
What does GoPay offer for everyday use?+
GoPay provides an everyday account for routine money handling and regular payments. Customers can use it to organise daily activity in one account setting. Customers should review the functions and coverage to confirm fit for daily needs.
Which customers does GoPay suit most?+
GoPay suits customers who want straightforward handling for daily payments and balances. It fits those who prefer a simple structure for regular routines. Customers should check that the coverage aligns with their usual needs.
Other options to compare
Related by the facts
DBS digibank India
GoPay