iMobile Pay by ICICI Bank

Finance
Rating
4.7 (30.9K)
Size
406.6 MB
Age rating
4+
Current version
11.2
Price
Free
Seller
ICICI Bank Ltd
Last update
12 months ago
Version OS
13.4 or later
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User Reviews for iMobile Pay by ICICI Bank

4.75 out of 5
30.9K Ratings
6 months ago, ShankarGanesh
The app is great however OTP time-out needs some attention
The app is great but while performing transactions the OTP is being s not to the mobile, however the OTP message never delivered within 30 secs. It will always send after the allotted time limit. Hence I always need to choose the option get OTP call to receive one which again leaves me very less time to update… for any transaction to be successful I need to be very fast in listening and entering the OTP, which is frustrating. My suggestion is if the OTP time limit increase to one min or make sure the SMS is bing sent within 5 secs upon close closing of get OTP to phone. Needs some performance testing for this app. Thank you and hope this will be read and someone will address the problem.
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6 years ago, kish dev
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.
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3 years ago, ShaanWe
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.
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4 months ago, Adapaka
App became horrible with recent update to 12v
After updating to latest version 12, app showing loading forever after authentication. Reinstalling also doesn’t help. Tried to use UPI feature (because of their too much marketing) and it always fails during mobile number verification process. What kind of pre-requisite requirements their business team put on UPI feature? When user already logged into app after MFA authentication, what is the need of mobile number verification that too via SMS. If they want, verification via OTP makes sense. At least business team whoever gave requirement should aware that most mobiles (ex: iPhones) in USA will not have physical SIM but app trying to send SMS to phones with physical SIM. Why can’t you use same OTP technology for mobile number verification? I don’t understand how this crappy app got 4.8 rating while basic features doesn’t function and IT team’s resolution process.
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7 years ago, Biju Balakrishnan
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
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5 years ago, Venom_eyes87
Number one banking App
They have the best Mobile App as compared to other bank apps like SBI, IndusInd and other banks. Only issue is network issue at some places especially at Shivalik Branch. The App has too many features and most of them are working. I have not used all features, so I cannot comment. Great for instant banking transactions! Easy to use for transactions relating to Cash Deposit, cheque/check deposit, money transfer to different bank accounts, credit card payment, fast tag and other services.
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1 year ago, akhildeep
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!
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7 months ago, SamDevices
Very bad user experience
Please refrain from displaying banners upon app launch, and reconsider the frequent presentation of the feedback form during logout, as it can be bothersome. Notably, the feedback form restricts the submission of poor or very poor ratings with a disabled submit button, a strategy aimed at avoiding negative feedback. It appears that the testing process may be inadequate, possibly involving a limited range of devices. Management is advised not to rely on iMobile feedback showcased in presentations, as it may present an artificially positive image that doesn't align with actual user experiences. It would be beneficial for product owners to engage with customers, comprehend their pain points, and address the identified issues. Despite having numerous features, there seems to be a negative impact on the overall user experience.
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5 years ago, Nav_amar
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.
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7 months ago, AnilJulipala
App is terribly and slow and not redirecting to proper screens
Hi, I don’t know what’s wrong with the iMobile application. First my access was blocked because I couldn’t answer the confirmation call as I’m out of country. Second, after regaining the access by calling the customer care, I can login but it was throwing grid validation failed without even showing the grid screen to enter those. For that executive told me to reinstall and reactivate again. I think this is absurd, if you guys want to validate or confirm a transaction why can’t you ask for an OTP? The reason why we use iMobile application is for the seamless experience but this is getting irritating and absurd because of proper screens and proper validations. Developers kindly look into these.
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3 months ago, AbhieG
Worst mobile banking app I have used in sometime
I’ve been an ICICI bank customer since 2006. There was a time when ICICI bank was a pioneer in internet banking in India. But now in 2024, their mobile banking app is possibly the worst among all the banking apps I have used, that too considerring apps of some of the Indian nationalized banks. The strange part is that the mobile banking app gives you many functionalities but when you try those options, those simply doesn’t work. Couple of those services that didn’t work were ReKYC for my account and Opening of subsequent NRE/NRO account. Both these services are prompting weird error message and abruptly closing the app or the service. This is even happening with even the latest version of the app.
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6 years ago, akhil20
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.
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4 years ago, C_kaur
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.
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6 years ago, RaghavChinchure
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.
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2 years ago, Shamik Mehta
So greatly improved, you can’t believe it’s the same company
This app has become SO good in recent years. Can’t believe it is the same company. All it now takes is one PIN and face recognition on my iPhone, and boom! That’s it. No more waiting for those ANNOYING OTPs that every other stupid Indian bank wants to send repeatedly, or ask you to enter those even more annoying grid numbers from the back of your ATM card. Great work, ICICI Bank!
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2 months ago, Srikrishna k
Worst app - Not supporting iOS version 15
It is not good to stop support the older version of iOS. Iam using iPhone with iOS 15 and iMobile Pay not working. When called customer care, they said I need iOS 17 which comes with latest iPhones. Is ICICI lacking that much Technology to support or backport their app for the older iOS ? I can’t buy latest iPhone for one bank app. I think with this action, userbase of app usage might have dropped for sure. As Iam from IT, I do know the challenges but should always make fit the app for the devices that all customers use. If not, the ICICI bank IT team is not up to the mark in requirements gathering and also failure of app testing team. Also no communication to customer about this.
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6 years ago, VivekKumarBatra
Face ID not an option anymore
I installed the new version of the app on my iPhone X which required me to register/activate the app on th device again. It was weird but looking at the changes they mentioned in app for this new version I did. The new version gave me option to use Face ID to login but after some time the option is no more. There was an issue with Face ID login as after log out it will again try to use Fave ID to log back in and it doesn’t check if the user landed on the login pag due to first tome starting the app or just logged out of it. Seems instead of fixing the issue they just removed the functionality.
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2 years ago, mohitkr78
Very user friendly
I have used this app for a long time both as Resident Indian and now as NRI. Never had any issue in activation. I am used to using it frequently and find it very user friendly. However, I find some issues which need attention. One, the app display has problem on iPhone SE. due to the bottom options do not show up on each account card. The same app shows up properly on iPhone 7. There is another wired issue. An old and invalid Forex Card keeps showing up on the app.
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3 years ago, tsalgia
Unstable and Poor Design under guise of Security
Real painful App, logs you of frequently and you have to reinstall all the time, with every installation putting restrictions on accounts for 24 hours. Also, provides unnecessary marketing notifications on login, with no option to Dismiss, and only “Remind Later” option. Lots of features are blocked, such as the App can only be downloaded on one phone, even if you have Joint account holders or multiple devices, which age is ICICI living in? They just present suboptimal products and designs under the guise of Security, I hope their competitors teach them a lesson by offering superior and more customer friendly products. One can’t even download the App on a Tablet/iPad. Shame on ICICI Bank and 3i Team!
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2 years ago, rocksmani
Bharat’s most advanced bank
I am simply amazed to see the kind of tech advancement ICICI has used over the years. Far better than nationalized banks. When i go through navigation, it has improved really well and can be done everything virtually from anywhere! I just love it! I plan to close other bank accounts and move everything here in sometime.
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5 months ago, Amitsa
work with full feature only 1/4 times
I use it for online transfer from US to India and out of 10 times, only 2 times I get OTP on my cellphone, 5 times on my phone as a call and rest I had to wait and send otp to my email.. Super frustration and I am seriously thinking of changing bank. This is a very basic feature for this app. If you call customer care, they give you a hack that please install the app again and it will start working.. hahaha and it happened to me 2 times I spoke to different CSR and both explained me it will work after deleting and reinstalling..
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6 months ago, tanmay7270
Shouldn’t be on the US app store, Low quality app
The UX design seems like it was done by ChatGPT trained on Michael Scott’s brain and the UI elements are older than the old guy from the movie Up. The app triggers a 24hr cooldown for 3 tries every time when I try to verify my SIM card because it errors itself out. I suspect there’s no product design team at ICICI and the management is full of boomers with no vision for the future. One of the worst examples of software engineering I’ve seen and it’s annoyed me to the point that I’m considering changing my banking service provider to a bank with at least half a dozen moderately competent software engineers because I’m sure ICICI has none.
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4 years ago, Ashz2020
Hassle free but needs some important tweaks
I have an ICICI NRI account for 10+ years now and the current app is definitely an improved from its prior versions. Apart from small tweaks to refine the format and navigation controls, the biggest pet peeve while checking my account on the app is that it doesn’t provide the total value of all your FD deposits. It lists them as separate which is a pain. For this reason, I find myself navigate to the desktop online version which provides this view. It would be great if the developer team can fix this!
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5 years ago, AB70000
Bad design logic
I don’t use mobile data but use my phone with home WiFi. This app has a silly requirement that requires you to switch off WiFi and need to have mobile that. That is so silly limitation to have and serves no real purpose. Not sure what twisted logic the app developers used to justify that. I can access ICICI account through the website with my login creds and multi factor but with the app which gives them more information about the device, location user info they won’t allow that. I have had bank accounts with various banks across the world and none of them do this. It is user unfriendly policies like these that make me want to switch banks.
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3 years ago, Rahucha
Does the job but, could be improved.
Never had any showstopper issues with the app. It works well, is systematically designed and promotes ease of use. The loan page, which show the loan details and lets you perform other actions is lacking responsive design. While it works with other handsets, it does not work well with iPhone XR. The UI’s layout is completely haphazard. Text overlap, field spacing and UI organization is messy and needs a change. I just hope this review leads you to think about it . Otherwise, as I said before, NO problems faced ever.
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2 years ago, AmitKolurwar
Transfer issues
Recently I have been facing issues with money transfer. It says debit card not linked. I have sent several emails to nri banking team they suggested to unblock card from desktop site. I did this as per suggested but still issue not resolved. I had to call nri banking today to resolve my issue. I really did not like the way it is resolved. Thanks
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2 months ago, Anil V
Does not work with WiFi w/o SIm
You can’t even login to the app in India if you don’t have active SIM. Wonder why this is a requirement when you don’t need OTP The problem is that the app does not allow us to Login if the iPhone is in Airplane mode (cellular disabled) and I am on Wifi network. That is the problam that needs to be fixed. Since there is no OTP needed for UPI, the 'iMobile Pay' app sould work on Wifi as well. The error I see is "Your phone doesn't have an active SIM network. Please check your network settings and try logging in again"
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3 years ago, anither frustrated user
Unnecessarily inconvenient and user unfriendly
Three factor identification is unnecessarily inconvenient and user unfriendly. Especially the grid step requires one to find the debit card which is not only inconvenient but also forces one to have a debit card. Why should I have a debit card to do internet banking? Why not instead have questions to which only I know the answer?
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2 years ago, lucky's iPhone
Not useful when you are abroad
Unlike the other banks, ICICI won’t let you login to the mobile app without sending the message from the registered mobile to verify the number. I really don’t understand why they need to do that!! As long as I have my user id and password and my registered mobile to get OTP who cares to verify the number from a non-registered mobile number. Very stupid rule. HDFC has good security but they never ask you to verify the number while logging into the mobile banking app. ICICI should change this feature. I’m in US and I can’t login to the mobile app on my US number.
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11 months ago, Supandi4321
Not slow at all
The best banking app in India. Some of the comments are mentioned as slow, better to check their own mobile internet speed and phone resources. I have been using from 2006 and it is quite fast, safe and easy to handle. Unlike SBI where as every click needs an otp.
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3 months ago, Theta_Orionis
Most horrible app. Can’t even login
I had been able to use this app for what it’s worth up to a few months ago. I have only deleted and repeatedly downloaded the app in hope I can get it to work for me. It just gets started, asks for my login credentials only to tell me that ‘an error has occurred’ . No further details. When I speak with an associate, the standard ‘wing it’ response is to try again after another couple of hours. ICICI could do better. There are customers who have trusted and invested in this organization only to get frustrated in this fashion.
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4 years ago, AliExpressBuyer01
Lot better than the old app
Looking at the current app and comparing the earlier version, the quality and functionality it offers is lot better. Love working and using the app for lots of day today activities which I was not able to do it earlier. Still want to see more functionalities added. But this app , for now, serves the day to day banking transactions. Kudos to the team who developed it and the business who put in their thoughts.
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1 year ago, kitchauhan
Worst app in all banking apps I have used so far
Here are my point to point observation. 1. Buggy: Engineering team does not test application before release. Some time links does not work and app crashes or freezes if you tap frequently on options. 2. VPN: I am using corporate VPN, to secure browsing. I travel internationally and not all countries has same internet conversation and because of that few app does not work. Now, ICICI bank app asking me to uninstall the VPN. Can they tell me why should I doing it? Who is responsible if someone hack my phone ?? I guess engineering team does not know what is VPN and why people are using it. 3. Over Engineered: Look and feel is absolutely useless. Hard to use and not user friendly. There are so many other banking app like chase, Bank of America and Citi bank. All works flawlessly and perfect but look this pathetic app. Don’t know why this app is punishment for its customers.
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3 months ago, Last try to get new nick name
Poor device support for older iPhones
It’s welllnown fact that apple doesn’t allow latest IOS on all older devices. Even for supported devices it slows down the over all experience. So ICICI claiming not supporting banking app on older officially supported versions of iOS for regulatory reason is a joke. I believe it’s saving internal cost of maintaining app across multiple versions than regulation reason. best part when I tried to provide this feedback from latest iOS device … ICICI threw random error in submitting feedback which is amazing. Best way to avoid negative feedbacks like airtel
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1 year ago, VPGM12
Poor user experience
Not sure how you handle the session timeout and the logic for refreshing the session. It is annoying to get a the message 'something went wrong' in the app. Can you refresh the auth token and make the user experience smooth? Update 1: the best place for this app is trash can. Keeps spinning and eventually times iut or does not load the data. It does not show linked policies. Do u test the app? Update 2: after login it spins, spins and takes me to the hike screen where it greets me with a session timeout alert. Apple should be rejecting such poor quality apps.
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6 years ago, Epic001
NRI Customers' Nightmare
To whoever deciding policies for this app just want to tell you ACCESS DENIAL is not the only way to ensure security. Your mobile app is waybelow Axis Bank and Federal Bank. From an NRI point of view its still hard to believe its 2018 for the digital services of ICICI Bank. Listing down some horrible experiences in this app and I confirmed all these with Customer Care. 1) Beneficiary cannot be added via app even for those accounts in the ICICI bank 2) Even after adding beneficiary via Net Banking, we cannot transfer cash via mobile app if the recipient account is not in ICICI bank. 3) No quick transfer ways even between ICICI bank accounts 4) Beneficiary adding takes place only after 8hours even the account is within same bank. 5) Terrible User Interface. No transparency even in my added beneficiary list Im planning to change my account to Axis or Federal Bank after seeing my friend's mobile apps.
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1 year ago, A_Das29
Most of the time app doesn’t work and very slow
Most of the time I have to login twice with my face id and after clicking on any features, it just displays loading then white orange blank screen Also, you can’t put value after decimal places when sending money via neft/imps
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2 years ago, Akumar2357
ICICI made it easy!
The mobile app is indeed a great boon! I cannot tell you how simple it is! Until now I used to wrestle with laptop, browser issues and worrying about data privacy and breaches. Since this is on my phone, I am able to transact peacefully and the transaction is really seconds! Thank you ICICI for making it easy !
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2 years ago, Sapkori
Good improvements
Icici iMobile has come a long way with all improvements and now it’s very easy to use. Would like to see latest look and feel and dashboard customization too. If the app doesn’t work, don’t forget to upgrade though, as this app doesn’t have such notifications
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5 years ago, ABCCRS
Not Working
I am a NRI customer and have been trying to use this application since last two years still not able to use. Every time am getting error server error , your mobile is not registered etc. really this is very frustrating. Don’t know when this issue is going to fix. Is there any ETA.
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5 years ago, MAYSOJ
This app is a joke!
Seriously! Did the developers even test this before deploying to be used by users across the globe? I downloaded and setup this app. The first time it worked just fine. It asked me to setup using Wifi, Touch ID etc., all good so far. Next time when I try to access their app it goes into an infinite loop wherein it asks me for the Touch ID, shows the Icici bank symbol and goes back to the Touch ID. This is in an infinite loop right now and this app is not usable. Surprising that such a big bank in India deploys something without testing and causing waste of time to their users and bad reviews to their banks app!
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5 years ago, Digital Futures
The dumbest App I know
Its been 12 days, several dozen interactions and ICICI Bank cannot get my App started. It feels so dumb from get go. It gives you 3 choices to register. If what you choose doesn’t work, you have no choice but to delete the App and reinstall it. Neither iMobile support nor its customer care managed to help. ICICI IVR is as dumb as possible as well. Have not been able to reach any agent and the horror of all horrors - looks like my phone May be linked to someone else’s account too, save I don’t know who, while it still sends me transaction alerts.. nothing seems to make sense with this App.
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1 month ago, Must Exit
Non-stop technical errors make it unusable
Been seeing either FS-5 or FS-10 or some other error message for the last few days that just says there are technical difficulties. I’ve tried killing the app and relaunching, restarting the phone and uninstalling the app completely and reinstalling. Even the account activation fails many times resulting in a lockout. Overall, the latest app version and the backend are terrible. And no, I’m not going to send any emails about this. Sufficient testing is enough to resolve these issues.
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4 months ago, vickroyal
What about 7 plus
Now do we suppose to throw 7 plus and 8 plus iPhones ? Your app requires 17 ios or more where as iPhone 7 and 8 don’t have that upgrade ! Can you please arrange older versions for 7 plus and ios 15 - just for app upgrade we will not throw our phones ! Thanks for understanding
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7 years ago, sAikumAr
Poor UX and session crashes have log back multiple times
The new version no different from previous versions the UX is still bad can be made much better and user friendly. This version looks as a beta version not fully tested even a simple funds transfer is cumbersome says some error occurred please retry and directs back to login. Test better security is just not the only thing it should also be user friendly. Get well soon.
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2 months ago, DD7PIT
The app has improved a lot
As compared to how it was at the start it has improved a lot which shows the positive attitude of the team. Was able to transfer the money over the app. Will test the payment system when in India.
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3 years ago, AnilKhandei
Does its job
Phone registration was a pain. Then once set up it is fine. Day to day banking needs are easily taken care by the app. One issue is occasionally i click the link forgot ur login pin while clicking login with touch on my iphone and i have to go through the whole process of registration again. Otherwise fine.
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4 years ago, Siddharth Agarwal
Some important features lacking
App is overall okay, but some key features are missing, compared to the online banking portal. For instance, all FDs created through this app will ONLY be auto renewed. There is no way to choose plain old format of getting the money back into your account on maturity. Similarly, its missing a account snapshot balance feature, which displays total account balance, across all savings and deposit accounts.
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6 years ago, RohiraP
Face ID - auto login
When opening the app for the first time, Face ID doesn't trigger on its own, I have to click "sign in with Face ID". Everything is great till this point but once I logout from the App, it takes me back to the login page (which is ok) but now it tries to trigger Face ID on its own which I feel is not the right interface rather it should do exactly opposite: for the first time, it should trigger Face ID automatically and subsequently it should be a manual process.
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5 years ago, Janakibai Fernandes
Garbage app
Would give zero stars if I could. A poorly designed user friendly experience makes it impossible to understand what needs to be done. The app has a weird activation process that involves only one option-sending an SMS to ICICI. If this fails (as it did in my case) then good luck trying to activate it. No help screens or instructions on what to do if mobile activation fails. The ‘Get in touch’ button shows me a list of irrelevant anti phishing emails and phone numbers. Seriously, ICICI needs to get professional user experience designers for its apps and web site.
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