IDFC FIRST Bank: MobileBanking 4+

Savings, Payments, and Loans

IDFC Bank Ltd

    • Free

iPhone Screenshots


Welcome to IDFC FIRST Bank’s Mobile Banking App. It comes with exciting features and banking services to make your online banking experience joyful.

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. All in a few seconds
* Building Wealth – One screen to view your investment portfolio. Also, get curated investment recommendations basis your risk profile
* Being in Control – Track, analyse and manage your expenses across spend categories
* Investing for your life goals – Choose your investment goals – be it wedding, children’s education, or retirement. Also, create your goals with curated recommendations
* Personalized Offers – Get offers that matter to you, across net banking, lifestyle, and shopping
* Affordable Instant Loans – Avail pre-approved loan offers at attractive interest rates and flexible tenures.
* Universal Search – Find what you are looking for, with our intuitive, suggestive in-app search feature

Secure Fund Transfers & Payments
* Quick fund transfers to any bank account without adding beneficiary
* Easy bill payment and recharge – mobile recharge, DTH and utility bills
* A summary view of your other banking account balances via our linking facility
* 3-click digital payments of utility and credit card bills
* Instant money transfer (मनी ट्रांसफर) to bank accounts using UPI or QR Code

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, analyse your banking statements, and track your savings account (बचत खाता) balances

Other Banking Services:
* Place cheque book request via online banking
* Apply smart filters to view transactions
* Manage credit card payments, download statements, and redeem rewards
* Redemption of Credit card (क्रेडिट कार्ड) rewards
* Quick purchase and recharge of FASTag
* Buy health, car, bike insurance
* Get personalised offers across loans
* Categorise transactions for better money management
* 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
* Log in subsequently for mobile banking through Face ID or Thumb (biometric)
* SIM Binding feature for a secure banking (बैंकिंग) experience

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
* Click on Login and on the login page’s top right corner, click on three dots
* Click on ‘Open savings account’

Investment, Mutual Funds and 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
* Apply for Initial public offerings(IPOs) using ASBA, Rights Issue, and Call Money

Insurance App:
Buy health insurance and car insurance online, through our app

Personal Loan Features:
Loan amount: ₹20,000—₹40 lakhs
Personal Loan Tenure: 6—60 months
Annual Percentage Rate: Min APR—11%. Max APR—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

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

What’s New

Version 1.61

* Our latest app update includes performance improvements for a smoother banking experience

Ratings and Reviews

4.1 out of 5
2.2K Ratings

2.2K Ratings

Mrunal Kap ,

A fresh experience

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.

debasish_gorai ,

Good Application

This new application is quite good but some features seems to be broken which are implemented as per the FAQ in the app. For me viewing the debit card details in the app doesn't work as the view option (eye button) on the image of the debit card doesn't appear at all, due to which I had to switch back to the old app. Also adding billers (electricity biller in my case) doesn't work a times. Overall many small small usefull features and options are missing compared to the old app. Hope these all features will be optimised and bugs will be fixed so that I can switch to this new app again.

Developer Response ,

Dear Customer, thank you for your feedback. It's customers like you who keep us motivated to build the best features and provide great service. To ensure safe and secure digital banking experience, we only display first and last 4 digits of your debit card. We have noted your request, and will keep you posted with the updates here. We will share this feedback with our specialist team and we'll make sure you will get the update once it is live. Thanks!

•MSport• ,

Almost Perfect App.

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.

App Privacy

The developer, IDFC 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 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:

  • Diagnostics

Privacy practices may vary based on, for example, the features you use or your age. Learn More

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