iMobile: Loan, Cards & Banking

Name: iMobile: Loan, Cards & Banking
Rating: 4.8 (62333 reviews)
Author: ICICI Bank Ltd

Loans, Cards, Payment & FASTag

Only for iPhone

Free · Designed for iPhone. Not verified for macOS.

62K Ratings
Age Rating

4+
Years
Category

Finance
Developer

ICICI Bank Ltd
Language

EN
English
Size

783.1
MB

iPhone

iMobile is ICICI Bank’s official Mobile Banking app that offers 400+ banking services. It is accessible to both ICICI Bank & non-ICICI Bank customers for availing Loans, managing Savings Accounts, transferring funds, managing Cards, and investments. iMobile brings the power of Net Banking to your fingertips! iMobile offers: • Instant Loans such as Personal Loans, Home Loans, Car Loans, and more • Online Digital Savings Account • Apply for Credit Cards • Open Fixed Deposits (FDs), Recurring Deposits (RDs) or iWish Deposits • Scan QR Codes for easy UPI Payments • Hassle-free utility & electricity bill payments • Instant online mobile recharge, DTH service, and FASTag recharge • Flight, train, and hotel bookings. With iMobile, you can enjoy the following benefits: ● Pre-approved RuPay Credit Cards: RuPay Credit Cards provide instant access to RuPay benefits, allowing seamless payments and UPI transactions. ● Manage multiple Cards: Through iMobile, you can manage multiple Cards such as Debit Cards, Credit Cards, and Forex Cards. You can also pay Credit Card bills for other banks, by scheduling reminders for due dates. ● Investments made simple: iMobile offers a hassle-free solution for investing and stock market trading. You can also invest in various Mutual Fund schemes, without opening a Demat Account. ● iScore & Discover: Use the 'Discover' feature on iMobile to review your income and expenses. The 'Budget' feature helps you create and manage a budget, allowing you to practice financial discipline. ● iFinance: All your Bank Accounts in one place: With iFinance, experience a new and innovative way to view all your Bank Accounts in one place. Review your income and expenses, easily. ● Unlock rewards & personalised offers: Earn Reward Points and avail of exclusive offers by conducting transactions or paying utility bills through your Credit Card. ● Customised notifications: Get updates regarding your bills, Cards, Loans, Bank Accounts and more. ● SmartLock: Control access to banking services such as Net Banking, UPI, and Credit and Debit Cards in one swipe. ● SmartScan With the new 'SmartScan' feature, log in to iMobile and directly scan any QR Code within the first 10 seconds, without opening your scanner. ● Global UPI: NRI customers can conduct UPI payments with their international mobile number. ● Chatbot assistance Enjoy 24x7 chatbot assistance with iPal. Personal Loan highlights: • Loan Amount: Minimum: ₹ 50,000 and Maximum (based on the customer’s eligibility). • Repayment Tenure: (36 months(Min)) to (based on the customer’s eligibility). • Rate of Interest: 10.80% to 16.00% • Processing Fee: Can go up to 2% of loan amount. For example: For a Loan of ₹ 5 lakh, borrowed at an interest rate of 0.89% per month for 60 months, the payable amount would be Rs 10,809 per month. 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 Fee vary as per the products. Other offerings by iMobile : Forex Prepaid Cards, Companion Cards, SIPs, IPO Applications, Tap to Pay, Scan to Pay, Pay to Contact, PPF (Public Provident Fund), NPS (National Pension System), Gold Loan, Sovereign Gold Bonds, Term Life Insurance, Cancer Cover, Health/Travel/Motor Cover, 24-hour Top Up and PayLater. Pre-approved Loans: Home Loan Balance Transfer, Education Loan, Loan against Property, Commercial Property Loan, Consumer EMI, Home Loan Overdraft, Insta FlexiCash Loan, and Personal Loan on Credit Card. For any feedback, queries, or concerns regarding iMobile, write to imobileapps@icicibank.com ICICI Bank Registered Office: ICICI Bank Tower, Near Chakli Circle, Old Padra Road, Vadodara 390007, Gujarat, India.

Ratings & Reviews

4.8

out of 5

62K Ratings

After login, the screen goes BLANK!! App is inconsistent and unreliable
04/02/2025

PowerObject!
After login, I tap on UPI Payments, it gives an hour glass and then the screen goes BLANK!! Tried multiple times with no luck. I’m using iPhone Pro 16 on latest iOS 18 and your app is up to date.This is a SERIOUS banking app (not Angry Birds game) and it needs to work AS EXPECTED like a ROCK at all times - and EVERY SINGLE TIME. You cannot give us the doubts like “it worked last time but not sure if it will work this time…”. If the UPI Payments screen goes blank, how are people going to pay?? Who is testing this app before it is released? You got awarded a Banking License by the govt - please take it very SERIOUSLY!Yesterday when the app was working, a payment was showing as Successful on UPI Payments screen but when I tapped on My Transactions, the same transaction is showing as PENDING. Seriously?! Why can’t you show the exact same data on different screens?On your online site, after I login, I don’t see Pending Transactions screen. the Completed Transactions screen is not showing anything which is contradictory to what your app shows (that is also inconsistent as mentioned above).In the USA, banking apps always work as expected like a rock! Every single time!! Make your app consistent, reliable, serious and worthy.

Developer Response
Apologies for the inconvenience. Please write to us imobileapps@icicibank.com with your contact details/account number, explaining the difficulty you are facing while logging in to the app. Sincerely, Team ICICI Bank.
After login, the screen goes BLANK!! App is inconsistent and unreliable
04/02/2025

PowerObject!

After login, I tap on UPI Payments, it gives an hour glass and then the screen goes BLANK!! Tried multiple times with no luck. I’m using iPhone Pro 16 on latest iOS 18 and your app is up to date.This is a SERIOUS banking app (not Angry Birds game) and it needs to work AS EXPECTED like a ROCK at all times - and EVERY SINGLE TIME. You cannot give us the doubts like “it worked last time but not sure if it will work this time…”. If the UPI Payments screen goes blank, how are people going to pay?? Who is testing this app before it is released? You got awarded a Banking License by the govt - please take it very SERIOUSLY!Yesterday when the app was working, a payment was showing as Successful on UPI Payments screen but when I tapped on My Transactions, the same transaction is showing as PENDING. Seriously?! Why can’t you show the exact same data on different screens?On your online site, after I login, I don’t see Pending Transactions screen. the Completed Transactions screen is not showing anything which is contradictory to what your app shows (that is also inconsistent as mentioned above).In the USA, banking apps always work as expected like a rock! Every single time!! Make your app consistent, reliable, serious and worthy.
Developer Response 04/07/2025
Apologies for the inconvenience. Please write to us imobileapps@icicibank.com with your contact details/account number, explaining the difficulty you are facing while logging in to the app. Sincerely, Team ICICI Bank.
Worst banking app ever
12/08/2025

Use325
The application is the worst banking app ever, I would give it a negative rating if that option were available. There are so many issues with it, here are some examples..1. It never loads on the first attempt, I have to close and restart the app every time to access it.2. Every update breaks some feature or another, I am an NRE/NRO account holder who also has a home loan in India. One of their previous updates changed the mobile number format from 001 to +1, which broke many features. After speaking with their phone banking team a few times, I was finally able to access regular banking, but my loan account is no longer showing in the app, even though it appears in my account on a desktop browser. If I try to link the loan account, it throws an error saying the entered loan account is already linked to the requested user ID.3. UPI payments used to work previously, but after a recent update, if I click on UPI payment, I get an error specifically, "Error during call to retrieve VPA list" and the app goes to a white blank screen.4. No matter how many times you add a transaction to favorites and perform a monthly transfer, each time it still asks for the debit card grid. Strangely, even if we enter the correct grid numbers, it errors out, saying wrong grid number,and blocks the account for 24 hours.
Worst banking app ever
12/08/2025

Use325

The application is the worst banking app ever, I would give it a negative rating if that option were available. There are so many issues with it, here are some examples..1. It never loads on the first attempt, I have to close and restart the app every time to access it.2. Every update breaks some feature or another, I am an NRE/NRO account holder who also has a home loan in India. One of their previous updates changed the mobile number format from 001 to +1, which broke many features. After speaking with their phone banking team a few times, I was finally able to access regular banking, but my loan account is no longer showing in the app, even though it appears in my account on a desktop browser. If I try to link the loan account, it throws an error saying the entered loan account is already linked to the requested user ID.3. UPI payments used to work previously, but after a recent update, if I click on UPI payment, I get an error specifically, "Error during call to retrieve VPA list" and the app goes to a white blank screen.4. No matter how many times you add a transaction to favorites and perform a monthly transfer, each time it still asks for the debit card grid. Strangely, even if we enter the correct grid numbers, it errors out, saying wrong grid number,and blocks the account for 24 hours.
The app is great however OTP time-out needs some attention
02/06/2024

ShankarGanesh
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.
The app is great however OTP time-out needs some attention
02/06/2024

ShankarGanesh

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.
Still buggy
12/23/2024

Prayen
Each time an update is made something working well previously breaks! With version 21.0 update on Apple iPhone, the app forced me to re-register all over again. I had been using the iMobile app for more than a year and why blow away all my login information and after registering again and logging in, I realized all my UPI transactions log is wiped out. I usually send money to the same people again and again I depend on the UPI transactions log to find the person/ entity I want to re-send the money to. Now I have to contact them again to get their UPI id. Plus I now can’t take a screenshot of my UPI transaction. Why disable a useful feature? This is a terrible update.. removing functionality from an already unstable application. Hope you fix these bugs without breaking something else or taking away useful features!! Really disappointed
Still buggy
12/23/2024

Prayen

Each time an update is made something working well previously breaks! With version 21.0 update on Apple iPhone, the app forced me to re-register all over again. I had been using the iMobile app for more than a year and why blow away all my login information and after registering again and logging in, I realized all my UPI transactions log is wiped out. I usually send money to the same people again and again I depend on the UPI transactions log to find the person/ entity I want to re-send the money to. Now I have to contact them again to get their UPI id. Plus I now can’t take a screenshot of my UPI transaction. Why disable a useful feature? This is a terrible update.. removing functionality from an already unstable application. Hope you fix these bugs without breaking something else or taking away useful features!! Really disappointed

- Explore the updated Invest & Insure journey, featuring APY & PMSBY for smarter retirement and financial security. - Experience the all-new, redesigned CIBIL & Loan journey. - Experience intuitive offers & rewards journey with enhanced features. - Experience smarter Services, Accounts & Deposits management. - Experience enhanced Cards & Forex journey with better controls. - Two PINs, two purposes - 1) iMobile login PIN for login 2) UPI PIN for UPI Payments. - Bug Fixes & improvements.

Version 30.0 Apr 27

Data Linked to You

The following data may be collected and linked to your identity:
- Identifiers
Data Not Linked to You

The following data may be collected but it is not linked to your identity:
- Location
- Diagnostics

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

Supported Features
- VoiceOver
- Larger Text
- Dark Interface

Information

Seller: ICICI Bank Ltd
Size: 783.1 MB
Category: Finance
Compatibility: Requires iOS 17.0 or later.

iPhone
Requires iOS 17.0 or later.

Mac
Requires macOS 13.0.0 or later and a Mac with Apple M1 chip or later.

Apple Vision
Requires visionOS 1.0 or later.
Languages: English
Age Rating: 4+

4+

Learn More