iMobile Pay: Banking, UPI 4+
Cards, Bill Payments & Fastag
ICICI Bank Ltd
Designed for iPhone
-
- Free
iPhone Screenshots
Description
iMobile is ICICI Bank’s official mobile banking app which offers 400+ banking services.
iMobile Pay is accessible to both ICICI Bank customers & also extends its services to non-ICICI Bank customers to avail the benefits of the app.
ICICI Bank’s iMobile Pay is your go-to mobile banking app that brings the power of Net Banking right to your fingertips. With the Customized notification feature, the app offers a seamless banking experience & with the UPI, the online payments are done effortlessly. Customers can also open other online accounts for banking with ICICI Bank.
Major offerings of ICICI’s Mobile banking app:
● Instant Personal Loan, Home loan & Car loan Application & other loans
● Online digital Savings Account
● Apply for credit cards
● Open a Demat account for trading
● Open FDs, Recurring Deposits (RD) or iWish Deposits
● Scan QR code for easy UPI Payments
● Hassle- free Bill Payments like utility bill & electricity bill payment
● Instant Online Mobile recharge, DTH services, FASTag recharge
● Flight, trains & hotels Bookings
Prime Features & services of iMobile Pay:
● Pre-approved RuPay credit cards:
RuPay Credit Card provides instant access to a credit card with RuPay benefits, allowing seamless payments & transactions through the UPI platform
● Manage multiple cards:
Through iMobile Pay, you can not only manage multiple cards like debit card, credit card, forex card but also can pay your other bank credit card bills & mark your due date for reminders
● Investment made simple:
Are you interested in entering the world of investments & trading in the stock market?
Well, all your worries are over because iMobile Pay offers a hassle-free solution to get you started. By opening a Demat account with iMobile Pay, you can begin your investment or trading journey right away. You can also invest in various schemes of mutual funds using iMobilePay without opening any Demat account
● 24*7 Chabot assistance through iPAL
● iScore & Discover:
Utilize the new Discover feature in iMobile Pay for analyzing your spending or expenditures. The budget feature helps you create budget, manage budget, and helps you maintain financial discipline
● iFinance, All your bank accounts at one place:
Experience a new, innovative way to view all your Bank accounts at one place & analyze all your income & expenses with iFinance
● Unlock your iRewards & Personalized offers:
Earn rewards & access special offers when making a purchase or paying your utility bills after applying for the credit card
● Customized notification:
With the Customized notifications, get all the recent updates related to your bills, home loan, car loan, personal loan, credit cards updates, your bank account updates and much more
● Other offerings by ICICI’s iMobile Pay:
Forex Prepaid Cards, Companion Cards, SIP, Apply for IPO, Tap to Pay, Scan to Pay, Pay to Contact, PPF, NPS, Gold loan, Gold Bond, Insta Term Life Insurance, Cancer Cover, Health/Travel/Motor Cover, 24 hours TopUp, Paylater
Pre-approved loans: Home Loan Balance Transfer, Education Loan, Loan against Property, Commercial Property loan, Consumer EMI, Home Loan Overdraft, Insta Flexi Cash loan, Personal loan on Credit Card.
Personal Loan Highlights:
● Loan Amount: Min (₹25,000/-) to Max (as per the eligibility)
● Repayment Tenure: 12 months to as per the customer’s eligibility
● Rate of Interest: 10.35% to 10.75%
● Processing Fees: Depends on principle amount
For Example: ₹5 Lakh borrowed at an Interest rate of 0.89% p.m. for 60 months, the payable amount would be: 10,809 p.m.
Processing fee* ₹1,770/-, Other charges ₹0, Interest ₹ 1,48,539/-. The total amount to be repaid after 5 years will be ₹ 6,48,540/-
Note: Interest rate & processing fees vary as per the products
For any feedback, queries or issues pertaining to iMobile Pay App, please write to imobileapps@icicibank.com
What’s New
Version 14.0
● Pay via UPI using the registered Indian and international mobile number(s) from Australia, Canada, Hong Kong, Oman, Qatar, Saudi Arabia, Singapore, United Arab Emirates, United Kingdom, & USA.
● Use the all-new Discover section to check your expenses and top spend categories
● Use iFinance assistant to analyze your income and expenses.
● Enjoy the UPI facility on Rupay Credit Card to make payments easily.
● Scan and pay via the Global QR feature for all your online bill payments.
● Bug Fixes and Improvements to enhance your Mobile Banking experience.
Ratings and Reviews
Terribly slow for everything
The app gets slower and slower with each update. Navigating to common tasks takes half a minute or longer (sometimes it just hangs) even with a very fast broadband connection. The animated spinner icon just keeps spinning. A completely native iOS app (this is not one) with faster backend servers would be good to have. Seems like ICICI Bank doesn’t get any testing done for responsiveness and performance. *Sorry, I can’t provide details over email or other channels since it seems like these problems would be quite obvious if the app is really tested.*
Update 1: Obviously, the developer response makes it clear that they don’t really read these reviews well. Please just test your app properly, and reduce the number of third party trackers in the app (I use tracker blockers to block appsflyer, app-measurement, etc.).
Update 2: What’s with the UPI transfer screens being especially slow as molasses and also failing frequently with errors and asking the customer to email them?
Developer Response ,
Dear Customer, We regret for the inconvenience caused. To assist you further we request you to kindly drop us a mail on imobileapps@icicibank.com with below details. 1. Registered Mobile Number with ICICI Bank. 2. On which page or functionality you are facing the Slowness issue. Regards, ICICI Bank.
The app is great however OTP time-out needs some attention
The app is great but while performing transactions the OTP is being s not to the mobile, however the OTP message never delivered within 30 secs. It will always send after the allotted time limit. Hence I always need to choose the option get OTP call to receive one which again leaves me very less time to update… for any transaction to be successful I need to be very fast in listening and entering the OTP, which is frustrating.
My suggestion is if the OTP time limit increase to one min or make sure the SMS is bing sent within 5 secs upon close closing of get OTP to phone. Needs some performance testing for this app. Thank you and hope this will be read and someone will address the problem.
Question security
The application allows anybody who has access to the phone/app to do everything online. I suppose this liberality is very insecure. Usually any international bank in western countries makes it mandatory for the customer to visit the branch for making Fixed deposit transaction, irrespective of the technological advancements they made. Also, doing so is very favorable for the customer; there is specific monitoring on the person who made the FD transaction and tap inflow and outflow of funds. Also the banks provide credit protection, for example if passwords are compromised after your valet is lost, banks will provide up to $1000. ICICI doesn’t seem to put any such taps and puts the risk entirely on the customer which is not a reasonable thing to do. If the password is compromised, simply within minutes the thief can transfer all the amounts from FD and make an online transfer of that amount within minutes. But by this time if the flaw is not detected within one day because the customer is sick or busy there could be devastating losses.
App Privacy
The developer, ICICI Bank Ltd, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.
Data Linked to You
The following data may be collected and linked to your identity:
- Identifiers
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
- Location
- Diagnostics
Privacy practices may vary, for example, based on the features you use or your age. Learn More
Information
- Seller
- ICICI Bank Ltd
- Size
- 435.8 MB
- Category
- Finance
- Compatibility
-
- iPhone
- Requires iOS 17.0 or later.
- Mac
- Requires macOS 14.0 or later and a Mac with Apple M1 chip or later.
- Apple Vision
- Requires visionOS 1.0 or later.
- Languages
-
English
- Age Rating
- 4+
- Copyright
- © ICICI Bank Ltd.
- Price
- Free
Supports
-
Siri
Get things done within this app using just your voice.