iMobile Pay by ICICI Bank

Name: iMobile Pay by ICICI Bank
Rating: 4.7504 (31623 reviews)

Finance

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iMobile Pay by ICICI Bank

Finance

4.8

31.6K ratings

Age Rating

Seller

ICICI Bank Ltd

View in App Store

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User Reviews for iMobile Pay by ICICI Bank

Convenient but have many flaws and bugs

Used this app on and off for quite some time. Interface has changed many times but still bugs were not fixed. It frequently hangs and hence have to re login. Bill payment is convenient but has a big bug which leads to duplicate payment to billers. If you have multiple bill payments it will only process one line item. For other line items it will fetch the same first bill which you already paid earlier or at times another line item but not the one you are trying to pay. Sent feedback but no response. Also thumbprint login is disabled in last update May be due to security issue. It could have been improved with pin or 2nd authentication when you are transferring funds.

akhil20, Jul 30, 2018

Not sure why the rating is so high for this app

Many functionalities in the app do not work as intended to. There is no back or home button from many pages or after error occur. Search is a joke, search anything and screen goes white with orange header and footer showing it is still in the app. No results, no directions on how to come out it. Any unsupported or invalid operation does not give any error message and even if it does, again there is no way to go back and start over, e.g. try linking forex card issued by ICICI, it just throws an error and sits there. All in all , completely untested (or tested with no real accounts) V10.2 is no better than V5 for me, only use is; it helps to check an account balance without typing password, hence this rating!

akhildeep, Feb 01, 2023

good and handy app

Good app to have to access my account. Had trouble registering the app initially on my iPhone but figured out that I have to select the option for NRI at the bottom of the activate button on the first screen. I am in the US and hence have to select that option rather than activating And sending a text message to an Indian number. I’ve been using this only for a few hours but this is helpful for me to instantly check my account and update the details in it as well. I receive the text messages and OTP messages without any interruption. I will add update the stars later after i use this app extensively

Biju Balakrishnan, Dec 18, 2017

ICICI Bank and app are both a disaster

It is impossible to reactivate your net banking if you blocked it once due to any reason. The app is useless without it. No way to switch to email for OTP, all other big banks do that today.If you are planning to travel outside India, better to move to a different bank. The customer service is one of the poorest that i have seen anywhere. To get your internet banking reactivated customer service keeps sending you into automated message loops where it is impossible to talk to a customer agent and automated service keeps asking you for the same information to proceed for which you are actually trying to talk to the agent.Being in the USA, I by mistake blocked my net banking account and I realized that my debit card expired too a few weeks prior to that. It has been a year long battle and countless service requests, to get either of the two activated i.e either get new debit card or somehow get an OTP on my email. I am finally giving up. As soon as I am able to travel to India, first thing I am going to do us close this account. So frustrated.

C_kaur, Aug 20, 2020

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.

kish dev, Jul 24, 2018

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?

Must Exit, Jan 12, 2022

Disastrous

This app is a disaster, especially for NRI banking. Now matter how much you try, it is impossible to activate your account if you are an NRI. I have lost count of how many verification messages I have sent to try and activate my account, you can imagine how much it would have cost me sending international messages as the country I live in doesn’t have a local verification number. The customer service is also quite pathetic, after sending countless emails to customer service over the past 9+ months, I have not got even one definitive reply from them, Every-time just getting a generic reply saying we are looking into the matter and will try to solve asap. I don’t think their customer service is qualified enough to handle complaints. For now my rating will have to be 1 star. Would be 0 stars if it was possible.

Nav_amar, Feb 22, 2019

Improved and faster compared to other bank apps in India

If I compared to other bank in India, app is good. But the problem here is, in order to activate app newly or even after an update, we need to verify through SMS. This is really a bad option. I feel this need to me removed. If you really want to verify genuine user than you may think of OTP to mobile/email and prompt user to enter it. Also you may think of introducing customer representative to activate the app over call or through email. This helps users who go abroad and don’t have an choice of using OTP to mobile due to roaming unavailability. Due to this reason I have marked one less start.

RaghavChinchure, Jun 14, 2018

Too much in app ads and tracking

When you login to app first time for the day, an pop up ad covering entire screen appears blocking us from what we are doing. Only way to dismiss it is by finding x icon and clicking it precisely. If not done properly then it will take you to advertised product. It may not look big, but eventually it will gets so annoying and you will start to wait for that pop up to appear to dismiss it before proceeding with your transaction. Else it will interrupt you eventually. It’s an terrible user experience. Another issue is when you navigate to an loan/credit/insurance/ULIP section then be prepared to spammed with calls from ICICI. Even if your number is registered with DND, you will get calls. Even emailing customer service as mentioned in ICICI site for DND violations won’t help. Only way to stop those calls is by blocking nbrs one by one as you get them. Designed an nice app and spoiling its reputation by over tracking users and pushing advertisements. Also option to customize notifications to allow only transactions or UPI requests would be better so that we could avoid advertisements via notifications as well. Currently if we enable notifications with hope of getting notifications for UPI payments approval, well it works but problem is we get product ads in notification as well.Overall this product is built with pushing more and more products to customers at the cost of sacrificing user experience.

Sathes K, May 30, 2023

What a terrible joke in the name of an app! Congrats ICICI for almost making me commit suicide

If you are getting comfortable using this app. Just trying hitting “reactivate” on your app my mistake. BOOM! Now you can no longer access your account. You need to regenerate User ID, Password, Call the so called non existent customer care. Get OTP on the same number (no way to verify via e-mail). Months will go by until you can somehow activate and use your net banking account again. Did you guys seriously test this app before publishing? You also have a terrible, terrible interface. A normal person will take hours to find basic features like “Add New Payee” cuz vallah its hidden in the deep.

ShaanWe, Jun 30, 2021

Description

iMobile Pay is ICICI Bank’s official mobile banking application. iMobile Pay, the most comprehensive and secure Mobile Banking application, offers over 200 banking services on your mobile. The features of new iMobile Pay are Pay and collect money from anyone instantly using Unified Payment Interface (UPI Payments).

UPI ID is your virtual identity for UPI payments. Use your UPI PIN to do all UPI transactions. View and transact from all your Savings accounts including Loans, PPF, iWish, Insurance, Cards, Deposits and PayLater Check your bank balance, view & email your detailed statement and view passbook on your mobile Transfer funds to any bank account Transact superfast using Favorite feature. By tagging a transaction as favorite, you can quickly access and complete your transactions like mobile recharge or fund transfer Connect directly to ICICI Bank Phone Banking Officer from your mobile phone application Track your deliverables Open FD – Open FDs, RDs or iWish deposits Get personalized offers and all other offers under offer section. Access and manage Life Insurance policies Service At Your Convenience: Avail banking services from the comfort of your home. You can locate an ATM, stop or check status of your cheque, order a cheque book, track your service requests and more. Manage all your credit cards like block/Unblock, change/Generate pin online, ATM and International Transactions. Know all your spends, transactions, TAT for service requests and recommendations under Discover section. For more details on ICICI Bank Mobile Banking visit http://www.icicibank.com/mobile-banking/index.html. Legal Terms and conditions: http://www.icicibank.com/terms-condition/terms-and-conditions.page? For any feedback, queries or issues pertaining to iMobile Pay application please write to [email protected]