ICICI Mobile Banking – Login, Charges and Benefits

• IMobile Pay: Allows users to access over 250 financial services including paying utility bills, recharge, tracking account activity, ticket booking, transfer funds, start a deposit, and others. 
• Pockets: Pocket is the digital banking service offered by ICICI Bank that allows users to store money virtually and use it for paying bills, mobile recharge, sending gifts, and others. Users can avail more than 100 services through ICICI Bank Pocket.  
• SMS Banking: Users can pay bills, recharge mobile or DTH, and avail other banking services offline just by sending an SMS from the registered mobile number. 
• ICICI Bank Mobile Banking: This allows users to perform banking activities such as fund transfer, recharge, bill payments, and other services while they are on the move. Through ICICI Bank Mobile Banking Website users can perform any financial activities from anywhere and anytime. 
• Mobile Money: This is an exclusive service where users can hold an account on their mobile phone with their mobile number as the savings account number. This service is provided in association with the telecom network providers and the users can avail various banking services. 
• DMRC Metro Card Recharge: Through mRupee outlets of MMPL, users can recharge their DMRC metro card from the ICICI Bank. This service is available in Delhi and NCR region. 
• Call to Pay: Users can simply make a phone call to avail any of the banking services that are offered by the ICICI bank. 
• IMPS: Instant money transfers can be made through mobile phone under the Immediate Payment Service (IMPS) system, which is an interbank money transfer service. 
• Dial *99#: ICICI Bank also allows National Unified USSD Platform (NUUP) to access bank account through mobile phone without any internet connection. Dial *99# and provide the IFS code to access your account instantly. 

Services Offered by iMobile Pay App of ICICI Bank  

• View and manage savings and current accounts 

• Access fixed deposits (FD) and recurring deposits (RD) 

• Manage Public Provident Fund (FD) and Sukanya Samriddhi accounts 

• Track overall balances and transaction history 

• Send and receive money via UPI 

• Transfer funds between accounts (NEFT, RTGS, IMPS) 

• Make mobile, DTH, and FASTag recharges 

• View credit score and report 

• Invest in mutual funds and use gold-based saving tools like iWish 

• Manage forex and travel cards  

• Buy and manage insurance policies 

• Pay direct taxes and shop online  

Benefits of ICICI Mobile Banking

 Some of the most notable benefits provided by this mobile banking are as follows:

• Allows ease access and effortless monitoring on account activity 
• Keeps your fund safe through sophisticated and advanced security measures 
• Allows users to pay utility bills conveniently 
• Users can avail themselves of exciting offers and discounts 
• Provides offline banking service through SMS and National Unified USSD Platform (NUUP) 

How to Register for ICICI Bank Mobile Banking Services

You can register for ICICI Bank’s mobile banking services by following the steps mentioned below:

Through ICICI ATM: 

Users can register for ICICI Bank Mobile Banking service through ATMs by the following steps: 

• Visit your nearest ICICI ATM
• Insert your debit card and select ‘More options’
• Select ‘Register mobile number’ from the new set of options that appear.
• You will be asked to enter your mobile number.
• Re-enter it for confirmation and select ‘Confirm’
• Your number will be registered with the bank within 2 business days.

By visiting ICICI Bank’s branch:

Visit your nearest ICICI Bank branch and fill in the application form for registration. You will have to provide any of the following identity proofs for the process:

• PAN card
• Voter ID Card
• Ex-Service Man Card
• Passport
• Driving license (Book type or laminated) etc.

• On-call assistance: You can submit your number by visiting the mobile banking page on ICICI’s online portal. After providing your registered phone number, the bank’s customer care department will get in touch with you and help you activate the mobile banking services. However, make sure that you provide your registered phone number only.

How to Login to ICICI Bank Mobile Banking App

After downloading ICICI Bank’s mobile banking app or the iMobile Pay app, you can log in to avail the services using any of the following modes:

• Login PIN: You can use a 4-digit login PIN to login to the app. This method does not require any user ID or phone number verification.
• Net banking credentials: You can use your net banking user ID and password to log in to the app. You can use this method when logging in for the first time after which you can set up a login PIN and use it for a simpler process.
• Biometric login: You can also set up a biometric login by entering your finger print. This is a secure and convenient method of logging in. This method is only available for handsets that support biometric login.

How to Reset Login PIN

Once you have logged in to the mobile banking app, you can change the login PIN easily by following these steps:

• Launch the iMobile app
• Go to the menu section
• Tap on ‘Change Login PIN’
• Enter your current login PIN and the new login PIN.
• Confirm the new login PIN to change it.
• You can now log in to the app using the new PIN.

Steps to Access Services on iMobile Pay App 

• Open the app and tap on the “Check balance” option to instantly view your account balance. From the home screen, you can also access multiple services such as fund transfers, bill payments, and recharges. 

• Select the “Fund Transfer” option to send money to other accounts. You can also manage beneficiaries and handle MMID related settings under the “Transfers” section. 

• To pay utility or credit card bills, navigate to the “Bill payment” section. This allows you to settle various bills quickly. 

• Click on the “Recharge” option to top up prepaid mobile numbers or pay postpaid bills. You can also use this section for DTH and other recharge services. 

• To view the detailed information about your savings account, deposits, loans, or cards, go to the “Accounts and deposits,” “Cards,” or “Loans and forex” sections within the app. 

• Tap on “Invest and insure” to invest in stocks, sovereign gold bonds, and to purchase insurance policies. 

• For quick payments using UPI, select the “BHIM UPI” option from the menu and complete transactions seamlessly. 

• Visit the “Services” section to perform tasks like updating Aadhaar details, upgrading your debit card, and accessing other account-related services. 

• To open a Public Provident Fund (PPF) account, tap on the “Online PPF” option available at the bottom of the app screen. 

List of ICICI Mobile Apps

The following is the list of ICICI Mobile applications that allows various banking services:

About iMobile Pay App of ICICI Bank  

iMobile Pay is a mobile banking application of ICICI bank that enables users to access a wide range of financial services in one place, making everyday transactions and account management easy. 

Eligibility: Individuals who hold a savings or current account with ICICI bank can use the iMobile Pay app. 

Detailed Features of iMobile Pay: 

• You can check your account balance, mini statements, and monitor both deposit and loan accounts. You can also access cheque status, IFSC codes without the need to visit a branch. 

• Users can send money through multiple transfer modes such as IMPS, NEFT, RTGS, and MMID. Bill payments can be scheduled in advance, making financial planning better. 

• Built-in reminder features to pay utility bills, save users from late fees and service interruptions. 

• Users can open fixed deposits and recurring deposits and link Aadhaar to their account online. 

• IMobile Pay app’s built-in locator helps in finding nearby branches and ATMs, along with access to customer care details. 

Overview and Features of ICICI Bank Pockets  

ICICI Bank offers “Pockets” as a digital wallet integrated within its mobile 

• Pockets allow users to send money not just to bank accounts, but also to mobile numbers, email IDs, and WhatsApp. It supports transfers within ICICI accounts as well as to other banks. 

• The wallet is UPI-enables and supports “Scan to Pay” via QR codes at shops, making in-store payments quick and cashless. 

• DTH recharges and utility bills can be paid directly through wallet. Pockets also provide a live chat feature for real-time query resolution. 

•  The app also allows users to open a savings account digitally and invest in gold-based savings options like iWish deposits. 

Overview and Features of Mera iMobile App of ICICI Bank 

ICICI bank offers Mera iMobile as a simplified version of its mobile banking app, designed especially for users who prefer regional language support, making digital banking accessible to a wider audience. 

• Quick access to your account balance and detailed account statements. It also provides the option to download or email statements, making it easy to keep track of transactions. 

• It also provides all the features of banks such as NEFT and RTGS transfers, making credit card payments, opening RD and FD accounts, or using the UPI payment method. 

• Mera iMobile is available in 12 different languages, allowing users to access banking services in their preferred language.  

Available languages on the Mera iMobile App are: 

1. Assamese 
2. Bengali 
3. English 
4. Gujarati 
5. Hindi 
6. Kannada 
7. Malayalam 
8. Marathi 
9. Odia 
10. Punjabi 
11. Tamil 
12. Telugu 

Overview and Features of EazyPay  

ICICI Bank offers EazyPay as a dedicated mobile app for current account holders to help businesses and merchants collect payments. It simplifies the process of accepting payments from customers across multiple channels, making it useful for both small and medium size businesses. 

• EazyPay allows businesses to raise invoices and collect payments through a wide range of options such as UPI, credit cards, debit cards, internet, and wallet banking. 

• Merchants can easily track and share invoices with customers, track payment status, and maintain proper transaction records. 

•  EazyPay sends instant SMS alerts for bill generation, payment requests, and successful transactions. This keeps businesses informed and organised at every stage and reduces the chances of missed or delayed payments. 

• It is also suitable for physical retail stores as well as businesses operating through home delivery or telesales. It adapts based on different business models and allows for over-the-counter transactions along with remote payment collection. 

Overview and Features of iBizz App 

ICICI Bank’s iBizz app is tailored for corporate and current account holders.  

• IBizz allows users to check real-time account balances and access detailed mini statements for linked accounts. It also provides visibility into loan and deposit statements, helping businesses keep track of their financial position in one place. 

• App allows users to change their MPIN securely and ensures better control over account. Like other apps, many banking services like transferring funds, UPI-based transactions can take place through iBizz app. 

ICICI WhatsApp Banking

Users can access the ICICI Bank WhatsApp Banking service by sending ‘Hi’ from their registered mobile number to 8640086400. Users can also give a missed call or send ‘OPTIN’ to mobile number +91 9542000030 to avail this service.  

The following are the services that users can avail themselves of through ICICI Bank WhatsApp Banking: 

• Users can check lats three account transactions 
• Block or unblock cards 
• Pay bills 
• Track the delivery status of both debit and credit cards 
• Open InstaSave account 
• Users can check dinning, shopping, or travel offers 
• Can also check nearby branch 
• Users can also read news, magazines, etc. 

ICICI Bank Fund Transfer Options

ICICI Mobile Banking customers can transfer funds not only to another ICICI Bank account but also to another bank account via several options offered under Mobile Banking.

• NEFT - National Electronic Fund Transfer (NEFT) is a national electronic payments system which allows for quick and secure transfer of funds. Fund transfer can be done both within and outside the bank, which are part of NEFT network. Transactions are carried out in several batches at a scheduled timing as per the bank policies.
• RTGS – Real Time Gross Settlement (RTGS) is another electronic fund transfer method which is designed for carrying out high volume and high-value transfers. RTGS fund transfers are done in real time and usually carry a minimum transaction limit, below which a transaction may not be carried out. Settlements for RTGS transactions are carried out in the books of the RBI, which makes these transactions irrevocable and final.
• IMPS - Immediate Payment Service (IMPS) allows customers to transfer money from their ICICI bank account almost instantly and safely. You can transfer funds to an ICICI or non-ICICI bank account via IMPS and the beneficiary’s account is credited almost instantly. Fund transfers via IMPS can be done 24x7, all year round, except on Sundays and bank holidays.

ICICI Bank NEFT and IMPS Timings

• NEFT: Available 24x7  

• IMPS: Available 24x7x365 

• RTGS: Also 24x7  

ICICI Bank NEFT, RTGS, and IMPS Charges

ICICI NEFT, RTGS & IMPS Transaction Limits

ICICI Bank Mobile Banking Security Measures

The following are the different ways of mobile channel security measures maintained by the bank: 

• Mobile banking is allowed to only those users who have successfully completed the registration process. 
• A second-factor authentication (2FA) mechanism ensures activation process after entering the debit card number. 
• The application gets locked after three consecutive wrong entries of Login PIN or password generated by the user. 
• Data is protected using strong encryption standards 
• PKI, end-to-end 256-bit encryption is used to encrypt data exchanged between client and server. 

ICICI Bank Customer Care Numbers

GST of 18% is applicable on all banking products and services from July 1, 2017 onwards.

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