iMobile Pay: Loan, Banking App 4+
Loans, Cards, Payment & FASTag
ICICI Bank Ltd
Designed for iPhone
-
- Free
iPhone Screenshots
Description
Get up to Rs 5,000 Cashback on Apple with ICICI Cards. Save on Flights & Hotels Booking. Enjoy Discounts on Zomato, Nykaa & more. Grab Deals on Swiggy, Blinkit, AJIO too!
iMobile Pay 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 Pay brings the power of Net Banking to your fingertips!
iMobile Pay 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 Pay, 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 Pay, 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 Pay 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 Pay 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 Pay 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 Pay: 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 Pay, write to imobileapps@icicibank.com
What’s New
Version 14.1
● SmartLock feature to lock/unlock digital service at a click.
● Now Scan the QR with Zoom in facility with Haptic feel on successful transactions.
● Manage top spends and much more for the month with discover "Snapshots".
● Pay via UPI using the registered Indian and international mobile number(s) from Australia, Canada, Hong Kong, Oman, Qatar, Saudi Arabia, Singapore, United Arab Emirates, United Kingdom, & USA.
● Now customers can open additional NRE/NRO accounts through iMobile.
Bug Fixes and Improvements to enhance your Mobile Banking experience.
Ratings and Reviews
Terribly slow for everything
The app gets slower and slower with each update. Navigating to common tasks takes half a minute or longer (sometimes it just hangs) even with a very fast broadband connection. The animated spinner icon just keeps spinning. A completely native iOS app (this is not one) with faster backend servers would be good to have. Seems like ICICI Bank doesn’t get any testing done for responsiveness and performance. *Sorry, I can’t provide details over email or other channels since it seems like these problems would be quite obvious if the app is really tested.*
Update 1: Obviously, the developer response makes it clear that they don’t really read these reviews well. Please just test your app properly, and reduce the number of third party trackers in the app (I use tracker blockers to block appsflyer, app-measurement, etc.).
Update 2: What’s with the UPI transfer screens being especially slow as molasses and also failing frequently with errors and asking the customer to email them?
Developer Response ,
Dear Customer, We regret for the inconvenience caused. To assist you further we request you to kindly drop us a mail on imobileapps@icicibank.com with below details. 1. Registered Mobile Number with ICICI Bank. 2. On which page or functionality you are facing the Slowness issue. Regards, ICICI Bank.
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.
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.
App Privacy
The developer, ICICI 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:
- 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
Information
- Seller
- ICICI Bank Ltd
- Size
- 444.6 MB
- Category
- Finance
- Compatibility
-
- iPhone
- Requires iOS 17.0 or later.
- Mac
- Requires macOS 14.0 or later and a Mac with Apple M1 chip or later.
- Apple Vision
- Requires visionOS 1.0 or later.
- Languages
-
English
- Age Rating
- 4+
- Copyright
- © ICICI Bank Ltd.
- Price
- Free
Supports
-
Siri
Get things done within this app using just your voice.