Fi Money vs Jupiter: 2026 Mein Students Ke Liye Kaunsa Zero Balance Bank Best Hai?

 

Aaj ke digital India mein bank ke chakkar kaatna purani baat ho gayi hai. Agar aap ek student hain aur ek aisa zero-balance account dhoondh rahe hain jo modern features aur free debit card de, toh Fi Money aur Jupiter do sabse bade naam hain.

Dono hi apps Federal Bank ke saath partnered hain, isliye aapka paisa ₹5 Lakh tak DICGC insured aur safe hai. Chaliye dekhte hain aapke liye kaunsa best hai.

Quick comparison Table:

Feature	Fi Money	Jupiter Money
Account Type	Zero Balance	Zero Balance
Rewards	Fi Coins (Vouchers)	Jewels (Real Cash)
Savings Tool	FIT Rules (Smart)	Pots (Goal-based)

1. Fi Money: Smart Savings ki Machine

Fi Money un students ke liye design kiya gaya hai jo technology aur data ko pasand karte hai.

• FIT Rules: Aap automated rules set kar sakte hai, jaise "Jab bhi main Swiggy se order karun, ₹20 save ho jayein".

• Investment: App ke andar hi aap Mutual Funds aur digital gold 🪙. mein invest kar sakte hain.

• Fi Coins: Har spend par coins milte hain jinko aap top brands ke vouchers ke liye redeem kar sakte hain.

2. Jupiter: Cashback ka Baap

Jupiter banking ko simple aur rewarding banata hai, khaas karke unke liye jo har kharche par bachat chahte hain.

Jewels Rewards: Jupiter par milne wale 'Jewels' sabse unique hain kyunki aap inhen Direct Cash mein convert karke apne bank account mein le sakte hain.

Savings Pots: Aap alag-alag goals (jaise: New Laptop, Goa Trip) ke liye 'Pots' bana sakte hain aur unpar interest pa sakte hain.

Spend Insights: Ye aapko real-time mein batata hai ki aapka paisa kahan kharch ho raha hai.

Pros & Cons Comparison

🟢 Fi Money

Pros:

• Sabse clean aur modern UI
• Smart "FIT Rules" for automation
• Zero forex markup (International use)

Cons:

• Customer support slow ho sakta hai
• Sirf working professionals ko priority milti hai
• Koi physical branch nahi hai

🟠 Jupiter Money

Pros:

• Jewels ko direct cash mein badlein
• UPI par bhi rewards milte hain
• Behtar spending analytics

Cons:

• Physical debit card ke liye ₹299+ fees
• Account closure fees lag sakti hai
• Limited cash deposit options

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FAQs:

Q1. Kya dono zero balance accounts hain? 

Haan, Fi money and Jupiter dono mein koi minimum balance rakhne ki zaroorat nahi hai.

Q2. Kya physical debit card free hai?

Dono apps First physical card free dete hain, lekin replacement ke liye charges lagte hain.

Q3. Kaunsa bank account open karna chahiye?

Agar aapko smart automation chahiye toh Fi choose Karo. Agar aapko har kharche par cashback chahiye toh Jupiter best option hai.

Final Verdict

Fi Money unke liye hai jo investing aur saving automate karna chahte hain. Wahi Jupiter unke liye best hai jo daily rewards aur simple banking pasand karte hain.