ICICI Bank Mobile Banking

Last Updated : April 28, 2025, 4:20 p.m.

Discover a quick, simple and convenient way to take command of your bank account, on your mobile phone, with ICICI Bank Mobile Banking.

ICICI Bank Mobile Banking allows you to manage your bank account and perform almost every banking task from the convenience of your smartphone — anytime, anywhere.

They offer a safe, quick, and feature-rich mobile banking experience through several apps, with their main app being iMobile Pay.

Types of ICICI Bank Mobile Banking

Below are the types of ICICI Bank mobile banking that can be used for different requirements.

1. iMobile Pay - The dedicated ICICI Bank mobile banking app

• Key Features:
  • Account Management: Check account balance, view mini-statements, and manage savings, loans, and deposits.
  • Fund Transfers: Supports UPI (Scan to Pay, Pay to Contact), IMPS (up to INR 10,000/day with MMID), NEFT, and RTGS. Daily transaction limit up to INR 20 lakh.

2. Mera iMobile - This is a simplified version of the mobile application used for personal banking

• Key Features:
  • Similar to iMobile Pay but with a tailored interface for quick access to frequently used services (e.g., UPI, bill payments, balance checks).
  • Allows users to personalize the app’s dashboard and menu.
  • Supports fund transfers (UPI, IMPS, NEFT), bill payments, recharge, and basic account management.

3. Pockets

This VISA-powered e-wallet acts as a “digital bank” for storing money and making transactions, available to both ICICI and non-ICICI customers.

4. EazyPay

A mobile banking app dedicated to ICICI Bank Current Account holders for collecting payments from customers.

5. iBizz

A mobile banking app for ICICI Bank Current Account holders, designed for business banking needs.

6. Mobile Money

• A mobile banking solution where the customer’s mobile number serves as the account number, offered in collaboration with telecom providers (e.g., Vodafone, Airtel, Aircel).

7. SMS Banking (Non-Internet Banking)

• Enables banking via SMS for users without smartphones or internet access.

8. National Unified USSD Platform (NUUP) – Dial 99#

• A non-internet-based mobile banking service for accessing accounts via USSD, ideal for low-connectivity areas.

9. Call to Pay (Voice-Based Banking)

• Allows banking transactions via a simple phone call, no internet or app required.

10. WhatsApp Banking

• Provides banking services via WhatsApp for quick queries and transactions, complementing iMobile Pay.

11. Mobile Browser Banking

• A mobile-optimized website for Internet banking, offering app-like features without downloading an app.

ICICI Bank Mobile Banking Registration

To register on ICICI Bank mobile banking -

Method 1: Using the iMobile Pay App

1. Download the App
   
   • Go to the Google Play Store (Android) or Apple App Store (iPhone).
     
   • Search for "iMobile Pay by ICICI Bank" and install the app.
     
2. Open the App
   
   • Launch the app after installation.
     
3. Select "I am an Existing Customer"
   
   • If you have an ICICI Bank account, tap "I am an existing ICICI Bank customer".
     
4. Verify Your Mobile Number
   
   • The app will send an SMS from your registered mobile number to verify it.
     
   • Ensure the SIM card with the registered number is in your phone.
     
   • Allow necessary permissions (SMS, call, storage) for the app to auto-verify.
     
5. Authenticate Your Account
   
   • You can choose any of these options to authenticate:
     
     • Using your Debit Card details (Card Number + PIN)
       
     • Using your Internet Banking User ID and Password
       
6. Set a 4-Digit MPIN
   
   • Create a 4-digit MPIN (Mobile PIN) to log into the app securely.
     
   • Optionally, enable Fingerprint or Face ID for quicker access (on supported devices).
     
7. Registration Completed!
   
   • After successful setup, you can start using the app for mobile banking services like checking balance, UPI payments, fund transfers, bill payments, etc.

Method 2: Activate Through Net Banking

Log in to ICICI Bank NetBanking on your computer.

1. Go to Overview > Personal Details > Mobile Banking Registration.
   
2. Follow the instructions to activate Mobile Banking.

Process to Login ICICI Bank Mobile Banking App

The process to login in ICICI Bank mobile banking and first time users is -

Steps to Log In

1. Open the App:
   • Launch the iMobile Pay app on your smartphone.
   • Ensure the SIM with your registered mobile number is inserted for device binding.
2. Select Login Option:
   • For existing users, tap Login or Sign In.
   • If not registered, you must complete registration first (see below).
3. Choose Authentication Method:
   • Option 1: MPIN:
     • Enter your 4-digit MPIN (set during registration).
     • Tap Login.
   • Option 2: Fingerprint Authentication (if enabled):
     • Use your fingerprint on the device’s biometric sensor (must be set up in app settings post-registration).
     • Authenticate to log in.
   • Option 3: Internet Banking User ID & Password:
     • Enter your User ID (from Internet Banking or provided by the bank).
     • Input your Internet Banking Password.
     • Tap Login.
     • Note: This option may require OTP or grid card authentication for first-time login on a new device.
4. Device Binding & OTP Verification (if prompted):
   • The app verifies the device and SIM linked to your registered mobile number.
   • For security, an OTP may be sent to your registered number. Enter the OTP to proceed
   • First-time login on a new device may require grid card authentication:
     • Input specific grid values (e.g., A1, B2) from the back of your ICICI debit card as prompted.
5. Access the App:
   • Upon successful authentication, you’ll access the iMobile Pay dashboard.
   • Use over 400+ services, including fund transfers (UPI, IMPS, NEFT, RTGS), bill payments, investments, and loan/credit card management.

First-Time Registration

If you haven’t registered for iMobile Pay, follow these steps before logging in:

1. Open the app and tap New User or Register.
2. Enter your registered mobile number and account number, Customer ID, or debit/credit card details.
3. Verify via OTP sent to your registered mobile number.
4. Authenticate using grid card values (numbers on the back of your debit card) or debit card PIN.
5. Set a 4-digit MPIN for future logins.
6. Optionally, enable fingerprint authentication if your device supports it.
7. Agree to terms and conditions to complete registration.
8. Log in using the MPIN or fingerprint for the first time.

Benefits of ICICI Bank Mobile Banking

Some of the benefits of ICICI Bank mobile banking are -

1. Anytime, Anywhere Banking

• Access your bank account 24x7.
  
• No need to visit a branch or ATM for routine banking.
  
• Manage your finances on the go, whether you're at home, work, or traveling.

2. Instant Fund Transfers

• Send money instantly via UPI, IMPS, NEFT, or RTGS.
  
• Transfer to any bank account, mobile number, or UPI ID.
  
• Schedule future payments or set recurring transfers easily.

3. Manage Cards Conveniently

• Block or unblock your Debit/Credit Card immediately if lost or stolen.
  
• Set daily card limits for ATM withdrawals, online spending, and POS transactions.
  
• Apply for new cards directly through the app.

4. Bill Payments & Recharges

• Pay electricity, water, gas, and telecom bills in seconds.
  
• Recharge your mobile, DTH, and FASTag accounts instantly.
  
• Set up auto-debits for regular bills to avoid late payments.

5. Enhanced Security

• Protected by two-factor authentication (MPIN + OTP).
  
• Supports Fingerprint/Face ID login for compatible devices.
  
• Every transaction is encrypted for your safety.

6. Loan Services

• Apply for personal loans, home loans, car loans, or credit cards within the app.
  
• Check loan eligibility and avail pre-approved offers instantly.
  
• Repay loans or EMIs through mobile banking.

7. Investment and Insurance

• Open Fixed Deposits (FD), Recurring Deposits (RD) easily.
  
• Invest in Mutual Funds, SIPs, and government schemes like PPF.
  
• Buy health, motor, and life insurance products directly from the app.

8. Shopping and Offers

• Access to exclusive offers on travel, shopping, and dining.
  
• Redeem your ICICI reward points or coupons within the app.

9. Account & Transaction Management

• View account balance and recent transactions.
  
• Request for account statements, cheque books, or stop cheque payments.
  
• Manage multiple ICICI accounts from a single app.

10. Alerts and Notifications

• Get real-time alerts for account activity.
  
• Stay updated about due dates for loans, EMIs, and bills.

Uses of ICICI Bank Mobile Banking App

Below are some of the ways you can use the ICICI Bank mobile banking application.

1. Account Management

• Check the balance of your savings, current, or loan accounts.
  
• View mini statements and detailed account statements.
  
• Update profile details (email, address, etc.).

2. Fund Transfers

• Transfer money via UPI, IMPS, NEFT, or RTGS to any bank account.
  
• Send money to contacts using just mobile numbers or UPI IDs.
  
• Receive money instantly via UPI or bank transfers.

3. Investments

• Open Fixed Deposits (FD) or Recurring Deposits (RD).
  
• Invest in Mutual Funds, Systematic Investment Plans (SIPs).
  
• Open and manage PPF, NPS and Tax Saving Schemes.

4. Bill Payments & Recharges

• Pay utility bills like electricity, gas, water, and broadband.
  
• Recharge mobile phones, DTH, and FASTag.
  
• Book gas cylinders and make municipal tax payments.

5. Credit and Debit Card Services

• Apply for new Debit/Credit cards.
  
• Block/Unblock cards instantly in case of loss/theft.
  
• Change card limits (ATM withdrawal, online usage).
  
• Pay Credit Card bills easily.

6. Loans

• Apply for Personal Loans, Car Loans, Home Loans directly.
  
• View loan statements and pay EMIs.
  
• Avail pre-approved instant loans based on your eligibility.

7. Insurance and Protection

• Buy Insurance: Health, life, motor, travel.
  
• Renew policies or track your insurance claims easily.

8. Requests and Services

• Request cheque books, stop cheque payments.
  
• Open a new account (savings, fixed deposit) digitally.
  
• Manage nominee details.

9. Shopping and Rewards

• Access exclusive deals and discounts via the app.
  
• Use PayLater feature for small purchases.
  
• Redeem reward points earned on credit/debit cards.

10. Security and Settings

• Enable Fingerprint Login, Face ID Login.
  
• Manage MPIN/Password changes.
  
• Set transaction limits to control spending.

How to Reset the Password of ICICI Bank Mobile Banking?

To reset the password for ICICI Bank mobile banking, use the following method -

Resetting MPIN (Mobile App Login PIN)

1. Open the iMobile Pay app on your smartphone.
   
2. On the login screen, click on "Forgot MPIN".
   
3. Choose Verification Method:
   
   • You can verify using your Debit Card Number + ATM PIN, or
     
   • Internet Banking User ID + Password.
     
4. Complete Authentication:
   
   • Enter the OTP sent to your registered mobile number.
     
5. Set a New MPIN:
   
   • Once verified, you can create a new 4-digit MPIN.

Resetting Internet Banking Password

If you forgot your Internet Banking password and you need it to reset your mobile login, here’s what to do:

1. Visit ICICI Bank NetBanking portal
   
2. Click on "Forgot Password?".
   
3. Enter your User ID (Customer ID) and choose to reset using:
   
   • Debit Card Details or
     
   • Registered Mobile Number and OTP.
     
4. Create a new NetBanking password.
   
5. Use this new password to verify in the iMobile Pay app if needed.

ICICI Bank Mobile Banking Transaction Limit

The transaction limits for ICICI Bank mobile banking are -