ICICI Bank UPI

Last Updated : July 14, 2025, 3:47 p.m.

Unified Payments Interface (UPI) is a revolutionary payment system in India that enables instant, secure, and convenient transactions using a smartphone. ICICI Bank, one of India’s leading private banks, offers robust UPI services through its mobile banking app, iMobile Pay, and its digital wallet, Pockets. This article provides a detailed overview of ICICI Bank UPI, covering its features, setup process, transaction methods, limits, and customer support, along with frequently asked questions.

Features & Benefits of ICICI Bank UPI

ICICI Bank UPI offers a seamless and efficient way to transfer money and make payments. Here are the key features and benefits:

• Instant Transfers : UPI enables real-time money transfers, ensuring funds are credited to the recipient’s account instantly, 24/7, including holidays.
• Single Identifier : Transactions are made using a Virtual Payment Address (VPA) or UPI ID (e.g., abc@icici), eliminating the need to share sensitive bank details like account numbers or IFSC codes.
• Multiple Account Linking : You can link multiple bank accounts to a single UPI ID through the iMobile Pay or Pockets app, simplifying fund management.
• Secure Transactions : Two-factor authentication, including device binding and a UPI PIN, ensures safe transactions.
• Versatile Payments : Use UPI to pay merchants, utility bills, or make online purchases without cash or cards. You can also scan QR codes for quick payments.
• Accessibility for Non-Customers : Non-ICICI Bank customers can use the Pockets app to access UPI services.
• NRI Support : Non-Resident Indians (NRIs) can use UPI with their NRE/NRO accounts, using either an Indian or overseas mobile number from select countries (e.g., USA, UK, UAE).
• RuPay Credit Card Integration : Link your ICICI Bank RuPay Credit Card to UPI for added flexibility and reward points on transactions.
• No Charges for Standard Transactions : Up to 20 transactions per month are free, though some banks may impose nominal fees for specific transactions.

How to Set-up ICICI Bank UPI?

Setting up ICICI Bank UPI is straightforward, whether you’re using the iMobile Pay app (for ICICI customers) or the Pockets app (for non-customers). Follow these steps:

1. Download the App :
   • For ICICI Bank customers, download the iMobile Pay app from the Google Play Store or Apple App Store.
   • For non-ICICI customers, download the Pockets app.
2. Log In or Register :
   • Open the app and log in using your registered mobile number.
   • Authenticate your identity by entering your debit card details and the OTP sent via SMS.
3. Access the UPI Section :
   • Navigate to the “UPI Payments” section in iMobile Pay or the “UPI” section in Pockets.
4. Create a UPI ID :
   • Select “Virtual Payment Address” or “Create UPI ID.”
   • Choose a bank account linked to your registered mobile number.
   • Create a unique UPI ID (e.g., yourname@icici).
5. Set a UPI PIN :
   • Enter your debit card details or use an existing UPI PIN (if set for another UPI app).
   • Set a 4-6 digit UPI PIN to authorize transactions. Never share this PIN.
6. Verify and Activate :
   • For NRIs, verify your Indian or overseas mobile number from approved countries (e.g., Australia, Canada, Singapore).
   • Once verified, your UPI ID is ready for use.

Note : Ensure your mobile number is linked to your bank account for authentication.

How to Send Money by Using ICICI iMobile App?

Sending money via the iMobile Pay app is quick and secure. Here’s how:

1. Log In : Open the iMobile Pay app and log in with your credentials.
2. Navigate to UPI Payments : Go to the “UPI Payments” section on the dashboard.
3. Select Send Money :
   • Choose “Pay to Virtual Payment Address” or “Send to Account.”
   • For self-transfers, select “Self-transfer” to send money to your own linked accounts.
4. Enter Details :
   • Input the recipient’s UPI ID (e.g., xyz@icici) or bank account details (account number and IFSC code) if they are not UPI-registered.
   • Enter the transaction amount and add remarks (optional).
5. Authenticate :
   • Verify the recipient’s name displayed on the pre-confirmation screen.
   • Enter your UPI PIN to authorize the transaction.
6. Confirm : Tap “Submit” to complete the transfer. You’ll receive a confirmation SMS and see the transaction status in the app.

How to Receive Amount via ICICI Bank UPI?

To collect money using ICICI Bank UPI:

1. Log In : Open the iMobile Pay or Pockets app.
2. Go to UPI Payments : Select the “UPI Payments” option.
3. Choose Collect Money :
   • Tap “Transact” and select “Collect from Virtual Payment Address.”
4. Enter Details :
   • Input the payer’s UPI ID, the amount to collect, and choose “Collect Now” or “Collect Later” with an expiry date.
   • Add remarks if needed.
5. Submit : Tap “Submit” on the pre-confirmation page to send the request.
6. Receive Funds : Once the payer approves the request with their UPI PIN, the funds are credited instantly to your linked account.

ICICI UPI Transaction Limit - Per Month / Per Year

ICICI Bank adheres to the National Payments Corporation of India (NPCI) guidelines for UPI transaction limits, with some bank-specific variations:

• Daily Limit : ₹1,00,000 cumulative transaction value or a maximum of 20 transactions per day. For new UPI IDs, the limit is ₹5,000 for the first 24 hours.
• Per Transaction Limit : ₹1,00,000 for general transactions. For specific sectors like hospitals, educational institutions, capital markets, insurance, or foreign remittances, the limit is ₹5,00,000 or ₹2,00,000, depending on the transaction type.
• Monthly/Yearly Limit : ICICI Bank does not specify a monthly or yearly limit, but the daily limit of 20 transactions applies. Some banks, like IDFC, set monthly limits (e.g., ₹30,00,000), but ICICI follows NPCI’s daily cap without additional monthly restrictions.
• RuPay Credit Card Limit : For RuPay Credit Cards linked to UPI, the initial limit is ₹5,000 per day for the first 24 hours, after which it aligns with the card’s available credit limit and the standard UPI limit of ₹1,00,000 per day.

How to Increase ICICI UPI App Limit?

ICICI Bank does not allow customers to increase UPI limits beyond the NPCI-mandated ₹1,00,000 per day or 20 transactions. However, you can optimize your limit usage:

1. Use iMobile Pay : The iMobile Pay app offers the maximum UPI limit of ₹1,00,000 per day, compared to ₹10,000 (or ₹25,000 for Google Pay) when using third-party apps.
2. Link RuPay Credit Card : For high-value transactions, link your ICICI Bank RuPay Credit Card to UPI to utilize your card’s credit limit, subject to NPCI’s ₹1,00,000 daily cap. Be cautious of applicable interest rates or charges.
3. Contact Customer Care : If you need clarification or have specific requirements, contact ICICI Bank to confirm your account’s limits or explore alternative transfer methods like NEFT/RTGS for larger amounts.
4. Check Account Segment : Limits may vary by customer segment (e.g., retail, NRI). Verify your segment-specific limits via the iMobile Pay app or customer care.

ICICI Bank UPI Customer Care Number

For assistance with UPI-related issues, contact ICICI Bank’s customer care:

• Toll-Free Number : 1800 1080 (available 7:00 AM to 9:00 PM from your registered mobile number).
• Alternate Contact : 022 4440 0000 (for relationship manager queries or if no manager is assigned).
• Email Support : Write to customer.care@icicibank.com with details like your savings account number, transaction ID, date, amount, and screenshots (if available).
• In-App Support :
  • In iMobile Pay, navigate to “Contact Us” and select “Register a complaint regarding UPI.”
  • In Pockets, go to “UPI Related Query” under the UPI section to raise a complaint.