HDFC Bank MobileBanking 4+

I am writing this review in great pain being loyal customer to HDFC for almost 10 years. I usually use mobile app for my banking needs and legacy HDFC mobile app works perfectly for all my needs. Few years back HDFC tried to force users to switch to newly designed app version which is total disaster and after leaving with no option they reverted back to legacy mobile app. Now again last week they forced users again to switch to new design app which is much better than before but no where near to legacy app in terms of stability. Today when I am in one of the best US network and tried to login, I receive prompt saying “ You seem to be in a low network area. Please try again after some time.”

Update(03-Jul-2020): Now app is working fine, so updating my review and rating.

Hi, we regret the inconvenience caused. Request you to write to us at support@hdfcbank.com along with your registered contact details and a screenshot of the error with ref ID MB060720-46 in the subject line. Will revert to you.

Absolutely frustrating experience with the HDFC app! As someone who spends most of the time abroad, I’m appalled by the app’s rigid login requirements. Forcing users to rely on sending a message through the registered SIM card just to access the app is absurd! How do you expect someone who’s overseas to do that? Not everyone can keep a local SIM active just to use an app.

Why isn’t there an option for an OTP login through either our registered phone number or email? In this digital age, making things simpler for customers should be the priority, not creating barriers. Whoever designed this app needs a serious reality check on user accessibility and rights.

And to make matters worse, why did you remove the option to use the app on an iPad for users without SIM cards? Don’t you trust the phone number and email we registered with? This is just another unnecessary roadblock. Fix this issue in the next update, HDFC—make it convenient for your international customers, instead of blocking us out!

Hi, we regret the inconvenience caused. Please share your complete concern at support@hdfcbank.com along with your registered contact details and reference ID MB07112400052 in the subject line for us to track and assist you further.

The app is working fine (except the blank screen when logging in - so many have asked - how hard is that to make the Home screen the default?)

*** Now coming to the most important enhancement that is needed - FAST **

You need to introduce the concept of nickname/personalization of account name in the app and net banking for an 1.) Account 2.) Beneficiary/Payee. This is pretty standard across banks - even nationalized banks.

This is the use-case:

I have multiple HDFC accounts in my name and transfer beneficiaries (with the same name but different account) - This is not an edge case.

Now a couple of times I made a transfer from a wrong account to a payee because the accoubt number selected was wrong. Do you expect us to remember or look up the long account number every time when selecting a source account? Same happens when beneficiary/payee name is same.

It is so cumbersome and prone to errors. I have other friends who have also faced the same issue.

PLEASE update the app and/or give visibility on when this basic change would happen. PLEASE.

Hi, thank you for taking the time out to share your valuable feedback, we've made a note of it. We're adding more improvements gradually to the MobileBanking App.