iMobile Pay: Banking, UPI

ICICI Bank Ltd.

About this app

iMobile is ICICI Bank’s official mobile banking app which offers 400+ banking services.
iMobile Pay is accessible to both ICICI Bank customers and 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 and 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 and 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 and 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 and mark your due date for reminders.

✔ Investment made simple:
Are you interested in entering the world of investments and 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 and analyze all your income and expenses with iFinance.

✔ Unlock your iRewards & Personalized offers:
Earn rewards and 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 and processing fees vary as per the products.

For any feedback, queries or issues pertaining to iMobile Pay App, please write to [e-mail]

Ratings and reviews

It seems like they want to make it difficult to do any transactions not just on the app but also on the ICICI website. Most of the times the error messages don't make any sense. UPI transactions are the worst. They don't work 99% of the time. It's either doesn't ask for the pin and the transaction fails or it asks for the pin and rejects the pin even if the pin is correct.

One of the worst app.. It was working fine till few days. In last 3-4 days.. The app doesn't open.. I have installed - reinstalled multiple times.. Now the app is dead. It doesn't even login. Such large bank can't afford a simple app which works. I have a Citibank now Axis bank app.. Haven't had a single instance in last 23 years. Makes me feel..it was a mistake to open an account with ICICI where every thing is charged with worst customer service.

Using it for quite some time. The app has never failed me. It works every time. Even where other applications fail. Requires good reliable network connectivity. Very intuitive screen interfaces and most of the features are self explainatory. Nice to have it on your phone. I get everything here and rarely use the laptop version. Other payment methods sometimes fail, but not this one.

What's new

1. Now Scan the QR with Zoom in facility with Haptic feel on successful transactions

2. Manage top spends and much more for the month with discover "Snapshots"

3. With ICICI Bank's Loan Against Shares raise instant funds against shares without selling them

4. Pay via UPI using the registered Indian and international mobile number(s) from AU, CA, HK, OM, QA, SA, SG, UAE, UK & USA

5. Now customers can open additional NRE/NRO accounts through iMobile

6. Bug Fixes and Improvements