ICICI Mobile Banking – Login, Charges and Benefits

1. 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. 
2. Call to Pay: Users can simply make a phone call to avail any of the banking services that are offered by the ICICI bank. 
3. IMPS: Instant money transfers can be made through mobile phone under the Immediate Payment Service (IMPS) system, which is an interbank money transfer service. 
4. 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. 

Benefits of ICICI Mobile Banking

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

1. Allows ease access and effortless monitoring on account activity 
2. Keeps your fund safe through sophisticated and advanced security measures 
3. Allows users to pay utility bills conveniently 
4. Users can avail themselves of exciting offers and discounts 
5. 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: 

1. Visit your nearest ICICI ATM
2. Insert your debit card and select ‘More options’
3. Select ‘Register mobile number’ from the new set of options that appear.
4. You will be asked to enter your mobile number.
5. Re-enter it for confirmation and select ‘Confirm’
6. 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:

1. PAN card
2. Voter ID Card
3. Ex-Service Man Card
4. Passport
5. Driving license (Book type or laminated) etc.

1. 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, you can log in to avail the services using any of the following modes:

1. 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.
2. 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.
3. 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:

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

List of ICICI Mobile Apps

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

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 the same number to avail this service.  

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

1. Users can check lats three account transactions 
2. Block or unblock cards 

1. Pay bills 
2. Track the delivery status of both debit and credit cards 
3. Open InstaSave account 
4. Users can check dinning, shopping, or travel offers 
5. Can also check nearby branch 

1. 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.

1. 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.
2. 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.
3. 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

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: 

1. Mobile banking is allowed to only those users who have successfully completed the registration process. 
2. A second-factor authentication (2FA) mechanism ensures activation process after entering the debit card number. 
3. The application gets locked after three consecutive wrong entries of Login PIN or password generated by the user. 

1. Data is protected using strong encryption standards 
2. 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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