ICICI Bank may be the best inside India but for me (as an NRI) their service stinks. So far, my wife has submitted papers 3 times to get my name added to her account and on each occassion, they have lost the paper. I have almost spent over $50 to get the status about our application and every time you call the toll free number, the response is some kind of B.S. ICICI needs to improve their customer service if they want to keep their exisiting NRI customers. One has to experience their terrible service in order to compare it. We have been waiting since Feb 17th to get my name added. I believe it's time to explore some other banks. I do not know what others have experienced with ICICI. But for us, the service sucks.