IDFC FIRST Bank: MobileBanking

IDFC FIRST Bank Ltd.

About this app

Welcome to IDFC FIRST Bank’s Mobile Banking App. Enjoy a fast and seamless online banking experience, with integrated banking services and exciting features.

Experience the joy of
* One-Swipe Banking: Swipe to view your account balances and manage credit card/debit card details, deposits, investments, etc.
* Seamless Payments & Transfers: Make secure payments, UPI transfers, and bill payments instantly.
* Zero Fee Banking: Enjoy over 28 commonly used Savings Account services free of cost, including money transfers, cheque re-issuance, debit card issuance, ATM withdrawals, etc.
* Building Wealth: One screen to view your investment portfolio. Get curated investment recommendations based on your risk profile.
* Being in Control: Track, analyse and manage your expenses across categories
* Investing for your Life Goals: Choose your investment goals – be it a wedding, children’s education, or retirement. Also, create goals with curated recommendations.
* Personalized Offers: Get exciting offers you can use across dining, lifestyle, travel and more. Find what you are looking for with our suggestive in-app features.
* Affordable Instant Loans: Avail pre-approved loan offers at attractive interest rates and flexible tenures.


Secure Fund Transfers & Payments
⭐ Free fund transfers to any bank account without adding beneficiary
⭐ Easy bill payment and recharge – mobile recharge, DTH and utility bills
⭐ No charges on cash withdrawals & deposits or international ATM & POS transactions
⭐ 3-click digital payments of utility and credit card bills
⭐ Zero fee on money transfer (मनी ट्रांसफर) to bank accounts through IMPS, NEFT, or RTGS

UPI Payments App:
⭐ Transfer funds, pay your credit card bills, invest in mutual funds, pay personal loan EMIs, buy and recharge FASTag using UPI, thanks to our partnership with NPCI. It’s 100% online!
⭐ Link your bank (बैंक) accounts and view your savings account (बचत खाता) balances and statements

Other Banking Services:
⭐ Apply for debit card & cheque book via app completely free of charge
⭐ Use smart filters to view transactions
⭐ Manage credit card payments, download statements, and redeem credit card (क्रेडिट कार्ड) rewards
⭐ Quick purchase and recharge of FASTag
⭐ Zero fee on DD & Pay order issuance & 3rd party withdrawals
⭐ No ECS return fee & decline fee at ATMs for low funds
⭐ Get personalised offers across loans
⭐ Contact us via Chat, Video Call and Call Centre

Steps to download and use our App:
☛ Download the banking app
☛ Log in via user ID and password or mobile number and MPIN
☛ Subsequent log-ins can be done via Face ID or fingerprint scanner (biometric)
☛ SIM Binding feature for secure banking (बैंकिंग)

Steps to open a digital banking account (बैंक खाता):
☛ Download and install our banking app
☛ Click on ‘Open savings account’ (सेविंग्स अकाउंट) on main page
OR
☛ Click on Login and on the login page’s top right corner, click on three dots
☛ Click on ‘Open savings account’

Investment, Mutual Funds & IPOs App:

Explore online investment services:
✓ Invest in Mutual Funds online with Instant SIP
✓ Invest in equity, debt, large-cap and multi-cap
✓ Save tax with ELSS mutual funds
✓ Invest in Unit Linked Insurance Plans(ULIP) and Online Sovereign Gold Bonds

Insurance App:
Buy health, bike & car insurance through our app

Personal Loan Features:
Loan amount: ₹20,000 to ₹40 lakhs
Personal Loan Tenure: 6 to 60 months
Annual Percentage Rate: 11% to 28%

Representative Example:
Loan amount: ₹1,00,000
Loan Tenure: 12 months
Interest Rate (reducing): 20%
EMI Amount: ₹9,264
Total Interest Payable: ₹11,168
Processing Fee (incl GST): ₹3,499
Disbursed Loan Amount: ₹96,501
Total Amount Payable: ₹1,11,168
Total cost of Loan (Interest + Processing Fee): ₹14,667


Disclosure:
By downloading the IDFC FIRST Bank Mobile App, you agree to our Terms & Conditions, as well as IDFC FIRST Bank’s privacy policy. To go through the T&Cs, please visit https://www.idfcfirstbank.com/terms-and-conditions

Ratings and reviews

I have tried mobile apps of almost all major Indian banks and this one is by far the most user friendly. I really appreciate that IDFC is working on their digital services and user experience. Keep doing this and I'm sure you will grow quickly than the competition. 4 stars only because the app feels laggy sometimes, please consider upgrading your servers, they seem slow. Otherwise app is very good in terms of UX and UI.

Update: I have sent an email yesterday. Only received automated response. No update after that. Init: I applied for the FD backed Wow credit card. I tried to increase the limit by adding another FD but I keep on getting error: Account not eligible. You don't have any account eligible for creating fixed deposit. I don't have a savings bank account with IDFC. I just want to be able to increase my limit. If you can do it without a new FD then it would be very helpful.

It has scroll issues. Once you scroll down, you cannot scroll up or down. I have to close the app and reopen again. Edit: I reinstalled the app and the issue still persists. Also there is no response when clicking again on the button previously clicked,

What's new

* We've made some minor improvements and bug fixes to ensure a smoother banking experience. Try it out now!