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 & manage credit card/debit card details, deposits, investments, etc
* Instant Payments & Transfers: Make secure payments, UPI transfers, and bill payments
* Zero Fee Banking: Enjoy free Savings Account services, such as money transfers, cheque re-issuance, debit card issuance, and ATM withdrawals
* Tracking Expenses: Monitor cash flow with over 20 automatically categorised transaction types. Link FIRST WOW! & Digital Rupay Credit Card with UPI, earn cashback & rewards on every payment.
* Auto-Sweep Current Accounts: BRAVO Current Accounts with Auto-Sweep to FD for higher interest rates
* Building Wealth: One screen view of your investment portfolio. Get curated investment recommendations based on your risk profile
* Personalised Offers: Get exciting offers across dining, lifestyle, travel & more
* Instant Personal Loans: Avail pre-approved loan offers at attractive interest rates & flexible tenures
* Fixed Deposit: Open an FD in 3 quick steps. Invest online & get guaranteed returns.
Smart App Features and Services
1. Secure Fund Transfers & Payments
* Free fund transfers to any bank account without adding beneficiary
* Easy bill payment and recharge – mobile recharge, DTH & utility bills
* Earn up to 10X rewards on travel/shopping spends via credit cards, redeem anytime for exclusive discounts
* 3-click digital bill payments
* Zero fee money transfer (मनी ट्रांसफर) to bank accounts through IMPS, NEFT, or RTGS
* Send money, pay utility & credit card bills, loan EMIs, buy/recharge FASTag, using UPI
* Link bank (बैंक) accounts & view your savings account (बचत खाता) balances with UPI
2. Investment, Mutual Funds & IPOs App:
Explore online investment services:
* Invest in Mutual Funds online with Instant SIP
* Invest in equity, debt, large-cap & multi-cap
* Save tax with ELSS mutual funds
* Invest in Unit Linked Insurance Plans (ULIP) & Online Sovereign Gold Bonds
3. Insurance App:
Buy health, bike & car insurance through our app
4. Tripstacc Benefits
* Convenient in-app flight & hotel booking experience on the IDFC FIRST Bank mobile app, powered by Tripstacc
* ZERO convenience fees on flight booking & earn 20 bonus points for every ₹100 spent on hotel bookings
5. Other Banking Services:
* Apply for debit card & cheque book via app with nil charges.
* View filtered transactions & download Smart Statement + Digest
* 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
* One app login for retail, MSME, Customer Service, & Relationship Management
Steps to Download App & Open a Digital Banking Account (बैंक खाता):
* Download the banking app & click on open savings account (सेविंग्स अकाउंट)
* Register your details & get user ID & password
* Log in via user ID & password or mobile number & MPIN
* Set up Face ID or finger scanner (biometric) for easy log-in
* SIM Binding feature for secure banking (बैंकिंग)
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
The app’s UI is so simple and pretty much straight forward with no clutter and lag. The one thing I’ve noticed is that it worked so good on very low internet speeds while many apps failed to load. My only request is please make the Scan to pay option available on login screen itself or make it available atleast on the start page without scrolling down. That way one can use this over other UPI apps. I personally don’t prefer using third party apps but it makes me go that extra step to scan and pay while every other UPI apps places that function on top of everything.
Developer Response
We are happy to hear we hit the mark for you. We’ll strive to continue the same excellence.
Fraud scam and most third class bank, all employees are scammer
Ericvvnbbn
Hi All friends this is inform you that all, Don’t take personal or any loan from here . This IDFC bank is scammer and fraud. IDFC all employees are scammer and fraud. If you take any loan from here your life will be hell. Before repayment 15 days and not only 15 days all time you will get call from this bank. If you done payment before or payment date but still you get call from this bank that your payment is due. This is scammer and fraud bank. They are not follow any RBI rule. They are doing scam and fraud. So please don’t take any loan or not make any account from this scammer bank. They don’t follow any RBI rule. All agent employees and customers care also fraud and they will misguide you all time. Don’t go trap this scammer bank . This is fraud fake scammer bank , they don’t follow any RBI rules.Hence , my request all friends don’t take any loan and credit card , savings account all .This is Fraud and scammer bank . IDFC all employees agent customer care also fraud scammer and they misguide all time most third class.
Developer Response
We are keen to help you! It’d be great if you could email us at customer.service@idfcfirstbank.com for us to assist you better. Thank you!
A fresh experience
Mrunal Kap
This is indeed a fresh and clutter free experience, compared to other banking apps which has random stuff thrown in on main screen. Some UX improvement feedback for design and dev team -1. App logs in as soon as it launches, think of giving an option where customer HAS to select login before keying in MPIN or FaceID verification.2. There are notifications visible below the bank balance card, either they should be visible only in the already present notifications area or can be dismissed from main screen. Right now they just scroll infinitely.3. The account / balance info card doesn’t not get minimized into some meaning information or area. It’s just visible as a small square behind account number when scrolled vertically.4. Icons can be more consistent and represent call to action, some icons and colored icons feel out of context. Example logout icon is power icon in more area, keep this and notifications icon common, so that it is visible across any tab. Users will mostly swipe off the app, instead of logging out.5. The call facility under notifications can be better placed as a common or quick access icon like notifications, search etc.
Developer Response
Dear Customer, thank you for your feedback! We work hard to ensure that you get the best experience while using our bank application. Our development team continuously ensures that each service is provided in the most easy and convenient way possible.We look forward to offering you more via our bank app.
Unprofessional Bank Avoidd !!!
TB-09362
I’ve been getting more than 20 notifications, plus SMS, WhatsApp messages, and calls. Till date I’ve received more than 1500+ app notifications And now these alerts pop up every day while I’m using my phone, saying my EMI is due next month and to pay on time to avoid penalties. This is for the first EMI, which isn’t even due yet.I’ve never seen a bank act like this. If you don’t want to finance, then why give the loan in the first place? My phone is flooded with your messages. I haven’t missed any EMI or defaulted, yet this is how you treat a customer for a 50k loan. I have a 40k car EMI monthly with another lender and never got this kind of trouble, not even for an actual due payment.It feels like I’m being forced to broadcast that I have a loan and the bank owns me 50k. My CIBIL score is 880, and still this is the treatment. I can’t imagine what people with less stability go through with this bank.
Developer Response
We are keen to help you! It’d be great if you could email us at customer.service@idfcfirstbank.com for us to assist you better. Thank you!
* General bug fixes and enhancements
Version 2.62
The developer, IDFC FIRST BANK LTD, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Used to Track You
The following data may be used to track you across apps and websites owned by other companies:
Usage Data
Data Linked to You
The following data may be collected and linked to your identity:
Financial Info
Location
Contact Info
User Content
Search History
Identifiers
Usage Data
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
Usage Data
Diagnostics
Privacy practices may vary based, for example, on the features you use or your age. Learn More
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
