Why Your Online Savings Account Application May Get Stuck During Video KYC
Video KYC is a digital verification process that allows banks to verify a customer’s identity through a live video interaction
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Opening a savings account online has made banking more convenient than ever. Instead of visiting a branch, customers can complete most of the account opening process remotely, including identity verification through Video KYC (Know Your Customer). The process is designed to be quick and seamless, but there are instances when an application may get stuck or delayed during verification.
In many cases, the issue is not with the account application itself but with factors such as connectivity, document quality, or verification requirements. Understanding the common reasons behind Video KYC delays can help you avoid disruptions and complete your Savings Account application smoothly.
What Is Video KYC?
Video KYC is a digital verification process that allows banks to verify a customer’s identity through a live video interaction. During the session, applicants are typically required to display original documents, confirm personal details, and complete other verification steps as per applicable guidelines. The process helps simplify account opening while reducing the need for physical paperwork and branch visits.
Common Reasons Why Your Video KYC May Get Stuck
● Poor internet connectivity: A stable internet connection is one of the most important requirements for a successful Video KYC session. Weak network signals, interrupted connectivity, or low bandwidth can cause the video call to freeze or disconnect unexpectedly.
● Inadequate lighting conditions: The verification officer must be able to clearly see the applicant and verify submitted documents. Poor lighting, excessive backlighting, or dim surroundings can make it difficult to confirm details accurately.
● Mismatch in personal information: The information provided during account opening should match the details available in the submitted documents. Differences in name spellings, date of birth, address, or other personal information may trigger additional verification checks.
● Unclear or invalid documents: Video KYC often requires applicants to display original identity and address proof documents. If the documents are damaged, unclear, expired, or difficult to read on camera, the verification process may not be completed successfully.
● Camera or microphone issues: A malfunctioning camera or microphone can affect communication and visibility during the verification process. Poor video quality or audio disruptions may make it difficult for the verification officer to complete the required checks.
● Location verification challenges: As per applicable regulatory requirements, Video KYC may need to be completed while the applicant is physically present in India. Location-related verification issues may sometimes prevent successful completion of the process.
● Incomplete application details: Applications with missing information or incomplete sections may not proceed smoothly to account activation. Reviewing the application carefully before initiating Video KYC can help reduce processing delays.
How to Ensure a Smooth Video KYC Experience
A few simple steps can help improve the likelihood of a successful verification:
- Use a strong and stable internet connection.
- Sit in a well-lit and quiet environment.
- Keep all original documents readily available.
- Verify that the camera and microphone are working properly.
- Ensure the information entered in the application is accurate.
- Complete the verification without interruptions or distractions.
What Should You Do If Your Video KYC Fails?
If your Video KYC session is unsuccessful, there is usually no need to worry. In many cases, the issue can be resolved by identifying the reason for the failed verification and taking corrective action. Some useful steps include:
● Reviewing any communication received regarding the issue.
● Correcting information mismatches, if any.
● Ensuring documents are clear and valid.
● Improving internet connectivity before the next attempt.
● Contacting customer support for assistance if required.
Conclusion
Top banks like IndusInd Bank now support Video KYC, simplifying the process of opening a savings account online by enabling convenient remote verification. However, technical issues, document-related challenges, connectivity problems, and information mismatches can sometimes cause delays. Understanding these common reasons and preparing in advance can help make the process smoother.
Opening a savings account online has made banking more convenient than ever. Instead of visiting a branch, customers can complete most of the account opening process remotely, including identity verification through Video KYC (Know Your Customer). The process is designed to be quick and seamless, but there are instances when an application may get stuck or delayed during verification.
In many cases, the issue is not with the account application itself but with factors such as connectivity, document quality, or verification requirements. Understanding the common reasons behind Video KYC delays can help you avoid disruptions and complete your Savings Account application smoothly.
What Is Video KYC?
Video KYC is a digital verification process that allows banks to verify a customer’s identity through a live video interaction. During the session, applicants are typically required to display original documents, confirm personal details, and complete other verification steps as per applicable guidelines. The process helps simplify account opening while reducing the need for physical paperwork and branch visits.
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