What is the official website of the payment service?
https://www.aubank.in
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Where can I find the customer support contacts?
The customer support contacts can be found at the bottom of the AU Bank official website's 'Contact Us' page.
What is the hotline phone number?
1800 1200 1200
Is there a toll-free support number?
Yes, 1800 1200 1200 is a toll-free number for AU Small Finance Bank customers.
What is the email address for technical support?
Are there separate emails for different types of inquiries?
Yes, AU Small Finance Bank provides dedicated emails for customer care, grievance redressal, and NRI services.
Where can I find the online chat support?
Online chat support is available on the official website on the 'Contact Us' or 'Support' page when signed in.
Does the chat support work 24/7?
Online chat support typically operates during business hours; 24/7 availability may vary by channel.
Is there support through messengers (Telegram, WhatsApp)?
WhatsApp support is available at +91 83 83 83 83 99; no public Telegram support is listed.
What are the support working hours?
Support is generally available from 8:00AM to 8:00PM, with some channels operating 24/7 for emergencies.
Does support work on weekends and holidays?
Phone support is available on weekends and most holidays; in-person branch hours may differ.
Are there regional offices for in-person visits?
Yes, AU Small Finance Bank has a network of physical branches across India for in-person visits.
Where are the physical offices located?
Branches are located across major cities and towns in India; main office is at Jaipur, Rajasthan.
Can I schedule a personal meeting?
Personal meetings can be scheduled by contacting local branches or via online appointment booking.
Are there representatives in different countries?
AU Small Finance Bank does not have international offices; services are focused within India.
In which languages is support available?
Support is provided in English, Hindi, and several regional Indian languages.
How quickly does support respond to requests?
Phone and chat inquiries typically receive responses within minutes; email may take up to 24 hours.
Is there a priority system for VIP clients?
VIP clients may receive dedicated relationship managers and priority support services.
Can I request a callback?
Callback requests can be submitted via the official website or customer service channels.
When was the payment service founded?
AU Small Finance Bank was founded in 1996 as AU Financiers, converted to a bank in 2017.
Who is the founder and owner of the service?
Sanjay Agarwal founded AU Small Finance Bank; the bank is publicly owned with diverse shareholders.
What is the development history of the payment service?
Started as AU Financiers for vehicle financing, received RBI small finance bank license in 2015 and commenced bank operations in 2017.
Have there been major updates or rebranding?
The firm rebranded to AU Small Finance Bank in 2017 after obtaining a banking license.
Who sits on the company's board of directors?
The board includes Sanjay Agarwal (MD & CEO), Mehli Mistry, Saurabh Agarwal, and other business leaders.
Are there investors or partners in the service?
Yes, institutional investors include Temasek, Warburg Pincus, and several private equity firms.
Does the company participate in stock trading?
Yes, AU Small Finance Bank is listed on the National Stock Exchange (NSE) and Bombay Stock Exchange (BSE).
What is the company's market capitalization?
Market capitalization fluctuates; as of August 2025, it is approximately ₹50,000 crores.
Are there subsidiary companies or branches?
AU Small Finance Bank operates numerous branches across India, without significant subsidiaries.
What licenses does the payment service have?
Certified by the Reserve Bank of India (RBI) as a Small Finance Bank, with licenses for banking operations.
In which jurisdictions does the service operate officially?
AU Small Finance Bank operates officially across India.
Are there licenses for cryptocurrency operations?
No licenses for cryptocurrency operations are issued for AU Small Finance Bank.
Does the service comply with AML/KYC requirements?
Complies fully with RBI-mandated AML and KYC regulatory requirements.
Are there security certificates (PCI DSS, etc.)?
Adheres to PCI DSS and other banking security standards for online transactions.
Has the service undergone security audits?
Regular internal and external security audits are conducted per RBI and industry standards.
Is there insurance for client funds?
Deposits insured under DICGC up to ₹5 lakh per account holder.
Which international standards does it comply with?
Compliance with ISO, PCI DSS, and RBI guidelines for banking and IT security.
Have there been any regulatory fines or violations?
No major regulatory fines or violations are publicly documented for AU Small Finance Bank.
Where can I find real reviews about the service?
Reviews are available on Google, Play Store, App Store, and financial review portals.
What are the main user complaints?
Users most often complain about branch service delays, tech glitches, and loan disbursement issues.
What do users most often praise the service for?
Praised for competitive interest rates, digital banking features, efficient phone support, and app usability.
Are there issues with fund withdrawals?
Occasional complaints of ATM and NEFT withdrawal delays, generally resolved within regulatory timeframes.
Is the interface convenient according to users?
Users rate both the mobile app and online banking platform as intuitive and convenient.
Are clients satisfied with transaction speed?
Most clients report fast processing for transactions, including UPI, NEFT, and IMPS transfers.
Do users recommend this service?
Most users recommend AU Small Finance Bank for secure banking and payment transactions.
How do experts assess the service's reliability?
Experts cite robust banking technology, high compliance, and sound financial health as strengths.
Are there industry awards and recognitions?
AU Small Finance Bank has won numerous awards, including best small finance bank and fintech innovation honors.
Does the service participate in payment system rankings?
Yes, it frequently features in rankings of top small finance banks and Indian payment providers.
Are there recommendations from financial regulators?
Receives positive evaluations from RBI and financial authorities for compliance and consumer focus.
What reputation does the service have among partners?
Highly regarded by business partners and merchants for reliability and efficient payment processing.
How do they evaluate solution innovation?
Recognized for innovative digital banking solutions and rapid adoption of new technologies.
Are there quality service certificates?
Holds ISO and PCI DSS certifications relevant to banking and payment services.
Does the company participate in industry conferences?
Yes, AU Small Finance Bank participates in financial technology and banking industry events.
How does the service position itself in the market?
AU Small Finance Bank positions itself as a leading digital small finance bank with customer-centric solutions.
Which fiat currencies does the service support?
The service primarily supports Indian Rupees (INR).
Are cryptocurrencies supported? Which ones specifically?
AU Small Finance Bank does not support cryptocurrencies.
Is there a proprietary cryptocurrency or token?
No proprietary cryptocurrency or token is issued by AU Small Finance Bank.
Can currencies be converted within the service?
Currency conversion is not a core feature; only INR operations are supported.
What exchange rates are used for conversion?
For eligible foreign exchange, RBI referential rates and authorized dealer rates are used.
How often are exchange rates updated?
Exchange rates are updated regularly as per market movements, generally on banking days.
Are stablecoins supported?
Stablecoins are not supported.
Can exotic currencies be handled?
Only widely traded foreign currencies for authorized forex services may be handled, not exotic ones.
Are there currency restrictions in different countries?
Regulatory restrictions apply according to RBI and FEMA guidelines for cross-border transactions.
What types of transfers does the service support?
Supports UPI, IMPS, NEFT, RTGS, mobile wallet, and branch-based transfers.
Can transfers be made between service users?
Peer-to-peer transfers are possible via AU Small Finance Bank’s mobile banking platforms.
Are transfers to bank cards supported?
Transfers to debit cards and accounts are supported, subject to RBI norms.
Can money be transferred to bank accounts?
Yes, money can be sent to various bank accounts via NEFT, IMPS, and RTGS.
Is bill payment available?
Bill payments for utilities, telecom, and other services are available via AU BillPay.
Are recurring payments supported?
Standing instructions and recurring payment setups are supported for all major bills and loan EMIs.
Can automatic transfers be set up?
Automatic transfers can be scheduled through net/mobile banking and standing instructions.
Is payment scheduling available?
Scheduled future payments are offered for transfers and bills within the payment platform.
Are group payments supported?
Group payment/split billing is not a standard banking feature for AU Small Finance Bank.
Can payment links be created?
Payment link generation for merchants is supported via AU Small Finance Bank’s merchant services.
What are the minimum transaction amounts in the service?
Minimum transaction amounts depend on the payment type, usually ₹1 for UPI and fund transfers.
What are the maximum amounts that can be transferred?
Maximum amount depends on payment method: up to ₹2 lakh for IMPS, ₹10 lakh for NEFT/RTGS.
Are there daily limits on operations?
Daily limits apply to UPI, IMPS, and mobile wallet transactions as per RBI and bank policy.
What monthly and annual limits are in effect?
Limits vary across products, with enhanced limits for verified and premium account holders.
Can limits be increased? How?
Limits may be raised by submitting KYC or visiting a branch for account upgrade or permission.
Do limits differ for verified users?
Verified users may access higher transaction limits versus unverified or basic users.
Are there restrictions for new accounts?
New accounts often have reduced limits until KYC completion and account maturation.
Do special limits apply in different countries?
Limits may apply to NRI accounts and cross-border transfers as per Indian regulations.
Can operations be temporarily blocked?
AU Small Finance Bank can block operations for security, account review, or suspected fraud.
Are there limits on the number of daily operations?
Number of daily transactions may be capped by payment method or account tier.
What are the minimum amounts for account funding?
Minimum funding amounts vary by method; typically ₹1 for UPI/NEFT, higher for cash or cheque.
What methods of funding are supported?
Funding methods include cash deposit, cheque, NEFT, IMPS, UPI, and mobile wallet.
Are there fees for funding?
Funding an account via digital means usually incurs no fee; some cheque or cash deposits may carry small charges.
What are the minimum funding amounts?
UPI allows ₹1; cheque/cash deposits often have higher minimums based on branch policy.
How quickly are funds credited when funding?
Digital deposits like UPI/IMPS are credited instantly; NEFT and cheque deposits may take longer.
How can money be withdrawn from the system?
Withdrawals are possible via ATM, branch, NEFT, IMPS, and cheque.
Are there fees for fund withdrawal?
ATM withdrawals may be free up to a limit, after which charges apply; NEFT/IMPS/RTGS incur nominal fees.
How long does withdrawal take?
ATM withdrawals are instant; NEFT/IMPS generally processed within minutes to hours.
What withdrawal limits are set?
Limits depend on method: ATM daily limit up to ₹40,000; IMPS, NEFT, and RTGS set by account type.
How quickly are funds credited when funding with a card?
Debit card funding is instant; credit card funding is typically not supported for savings account funds.
How long does a bank transfer take?
IMPS is instant; NEFT next cycle (30min-2hr); RTGS instant during banking hours.
How quickly do cryptocurrency transfers arrive?
Cryptocurrency is not supported.
Are transfers between users instant?
UPI, IMPS, and internal transfers between users are typically instant.
Are there delays when funding on weekends?
UPI/IMPS function on weekends; NEFT/RTGS follow RBI settlement schedule.
Do holidays affect funding speed?
Digital transfers work on holidays; NEFT/RTGS may be delayed due to bank holidays.
Can crediting be accelerated for a fee?
No paid expedited crediting service; digital methods offer fast settlement.
What determines the speed of funding processing?
Funds are processed based on payment channel, business hours, and banking settlements.
Are there notifications about funding status?
Mobile app and SMS/email notifications are provided for account funding.
What to do if funding takes too long?
Contact customer support with transaction reference or visit branch for assistance in case of delays.
How quickly are withdrawal requests processed?
Withdrawals through ATMs and digital channels are processed instantly; others per banking hours.
How long does card withdrawal take?
ATM card withdrawals are immediate; branch-based requests subject to branch operation time.
How quickly do bank transfers arrive?
IMPS is instant; NEFT is credited within hours; RTGS is instant during operating hours.
Are cryptocurrency withdrawals instant?
Not applicable as the bank does not support cryptocurrencies.
Are there withdrawal delays on weekends?
IMPS/ATM withdrawals generally work without delays; NEFT/RTGS may be affected by non-business days.
Do holidays affect withdrawal speed?
Electronic transfers operate; branch processing may be delayed on holidays.
Can withdrawal be accelerated for an additional fee?
There is no expedited withdrawal service; real-time methods are fastest.
What determines withdrawal processing time?
Processing time depends on method, regulatory schedules, and bank operational hours.
Are there notifications about withdrawal status?
Customers receive SMS and app notifications for withdrawal transactions.
Can a withdrawal request be canceled?
Once initiated, digital withdrawals cannot be canceled; cheques or branch requests may be halted before processing.
How to register with the payment service?
Registration can be completed online or at a branch with valid ID, phone, and address verification.
What data is needed to create an account?
Personal ID, PAN, phone number, address proof, email, and other KYC documents.
Can registration be done without email?
Email is recommended for communication, but registration may be processed with a valid phone number and ID.
Is phone confirmation required during registration?
Phone verification is a standard requirement for activating services.
Are there age restrictions for registration?
Individual must be at least 18 years of age to open a bank account.
Can a corporate account be created?
Yes, business and corporate accounts can be opened with appropriate documentation.
Is it required to provide real data?
Real, verifiable information is mandated as per RBI KYC guidelines.
Are there country restrictions for registration?
Only Indian residents and NRIs can register; foreigners subject to additional checks.
How long does account activation take?
Activation for normal savings accounts is usually completed within 1-2 business days.
What verification levels exist?
Basic (standard KYC), full (enhanced KYC), and premium account verification tiers.
What documents are required for basic verification?
Identity proof (Aadhaar, PAN), address proof, and recent photograph.
Are documents needed for full verification?
Full verification needs additional proofs such as income, PAN, address, and sometimes biometric data.
Are digital copies of documents accepted?
Digital document submission is accepted through online channels and mobile app.
How long does the verification procedure take?
Verification is processed within 1-2 business days for most users.
Can the service be used without verification?
Limited functionality is available for unverified users; full services require KYC completion.
What restrictions apply to unverified users?
Lower transaction limits, restricted services, and inability to open term deposits or access credit.
Is address confirmation required?
Address proof confirmation is mandatory under KYC guidelines.
Is a selfie with documents required?
Video KYC or a selfie with documents may be requested for enhanced security and onboarding.
How often do documents need to be updated?
Updates are needed only when documents expire or per periodic RBI mandates.
What encryption technologies does the service use?
Utilizes SSL/TLS encryption for online and mobile banking transactions.
Is two-factor authentication supported?
Two-factor authentication is available via OTPs for account login and sensitive operations.
Are there SMS confirmations for operations?
SMS notifications and confirmations are standard for all major account activities.
Is biometric authentication supported?
Biometric login (fingerprint, Face ID) is supported in the mobile application.
Is blockchain technology used?
Blockchain technology is not used for AU Small Finance Bank’s core services.
Is there a multi-level security system?
Multiple security layers with authentication, encryption, and anti-fraud measures are implemented.
How is user personal data protected?
Personal data is protected via encryption, data masking, secure servers, and privacy protocols per RBI.
Is cold storage used for cryptocurrencies?
Not applicable; AU Small Finance Bank does not store cryptocurrencies.
Is there DDoS attack protection?
DDoS protection and traffic filtering technologies protect online banking infrastructure.
Are regular security audits conducted?
Routine internal and external security audits per RBI and industry standards.
What anti-phishing protection measures are provided?
Anti-phishing training, transaction alerts, and link verification tools are provided.
Is there a suspicious activity detection system?
Real-time monitoring for suspicious transactions and automated alerts for unusual activities.
How does the service combat money laundering?
AML procedures include KYC, transaction monitoring, and reporting mandated by RBI.
Is there blocking of suspicious accounts?
Suspicious accounts are blocked/frozen pending investigation per compliance protocols.
What to do when fraud is detected?
Report fraud via hotline or branch; service initiates investigation and incident response for user protection.
How to report suspicious activity?
Notify customer support via phone, email, app, or by visiting a branch with details of the incident.
Is there compensation for damage from fraudsters?
Compensation for fraud cases is evaluated per regulatory policies, subject to investigation outcomes.
What user rights exist for disputed transactions?
Users can dispute transactions via customer care; resolution processes follow RBI guidelines.
How to dispute account blocking?
Account blocking disputes are handled via direct request to customer support or bank branch escalation.
Is there insurance against cyber attacks?
No separate cyber insurance for users; bank maintains insurance to cover operational risks.
What fees does the service charge for transfers?
UPI is free; NEFT/IMPS/RTGS fees range from ₹2.5 to ₹25 per transaction as per amount.
Are there fees for account funding?
Funding via UPI/NEFT is usually free; cash/cheque deposits may have nominal charges.
Are fees charged for fund withdrawal?
ATM withdrawals are free up to a limit; excess and non-home branch transactions incur fees.
Are there fees for currency conversion?
Forex transactions are subject to applicable RBI-approved and bank-specific charges.
Are there fees for account inactivity?
No inactivity fees for most personal banking accounts.
Are there account maintenance fees?
Some account types accrue nominal monthly/annual maintenance charges.
Are fees charged for operation cancellation?
Cancelled cheques or instructions may incur standard cancellation fees.
Are there fees for expedited operations?
No additional fees for expedited payments through instant channels.
Are there hidden fees?
Fees are transparently disclosed; complete breakdowns available in schedule of charges on the website.
How are fees calculated for large amounts?
Larger transaction fees are structured in a tiered manner based on transfer sizes and channels.
Are there different tariff plans in the service?
Multiple account types and tariff plans are available, including premium and corporate options.
What advantages does VIP status provide?
VIPs have higher transaction limits, exclusive offers, relationship managers, and faster support.
How to get preferential conditions?
Preferential terms are available to VIP, premium, or corporate clients based on deposits and account tenure.
Are there free operations per month?
Standard accounts often offer free UPI, limited ATM, and select transaction types each month.
Are there discounts for active users?
Active users may receive transaction fee waivers, promotional offers, and loyalty discounts.
Are there corporate tariffs?
Special tariffs and reduced fees for business and corporate account holders.
Can individual conditions be obtained?
Customized pricing and service conditions are possible for high-value or strategic clients.
Do promotional codes work for fee reduction?
Promotional codes are occasionally issued for fee reduction and incentivized offers.
Are there cashback programs?
Partner cashback and spending rewards are available for AU Small Finance Bank cardholders.
Are there discounts for transaction volumes?
Bulk transaction discounts may be available for business clients.
Is there an official mobile application?
Yes, AU Small Finance Bank offers the AU 0101 mobile banking app.
On which platforms is the application available?
The app is available for Android and iOS platforms.
What functions are available in the mobile application?
View balances, transfer funds, pay bills, open deposits, card controls, request services, and access chat support.
Does functionality differ from the web version?
Core banking functions are similar; some admin and advanced features may be web-only.
Is Touch ID/Face ID supported?
Touch ID and Face ID login are supported on compatible mobile devices.
Can the application work offline?
Limited offline functionality for viewing cached data; transactions need internet connectivity.
Are there push notifications about operations?
Push notifications and transaction alerts can be enabled for real-time updates.
Is dark theme supported?
Dark mode and customizable display options are supported in the latest app version.
How often is the mobile application updated?
App updates occur approximately monthly, featuring improvements and security patches.
Are there beta versions of the application?
Occasional beta releases and early feature trials are available for select users.
Is the web interface of the service convenient?
The web interface is modern, organized, and highly rated for ease of use.
Is responsive design supported?
Yes, the website is mobile-optimized with responsive design.
In which languages is the interface available?
English, Hindi, and select Indian regional languages are supported.
Is there a night mode for the website?
Dark theme is available for the web interface.
Are hotkeys supported?
Common hotkeys are supported in the web interface for navigation.
Can data be exported?
Account statements and transaction data can be exported in PDF/Excel formats.
Is there an API for developers?
AU Small Finance Bank offers open APIs and sandbox access for business partners and fintechs.
Is integration with other services supported?
Supported integrations include UPI, billers, business apps, and payment gateways.
How often is the web interface updated?
Website updates are performed regularly, every 1-2 months, focusing on features and security.
Are there virtual cards in the service?
Digital/virtual debit cards can be issued instantly via the mobile app.
Can disposable cards be created?
Temporary virtual cards for e-commerce are available on request.
Is multi-currency account functionality supported?
Only INR accounts are officially supported.
Are there investment products?
Fixed deposits, term deposits, mutual funds, and recurring deposit options are provided.
Can interest be earned on balance?
Interest is earned on savings and deposit balances per RBI-regulated rates.
Are there credit products?
Personal loans, home loans, vehicle loans, overdrafts, and credit cards are offered.
Is P2P trading supported?
The service does not support peer-to-peer trading beyond standard fund transfers.
Can cryptocurrencies be bought/sold?
Cryptocurrencies cannot be bought or sold through AU Small Finance Bank.
Is there acquiring for business?
AU Small Finance Bank provides merchant acquiring and point-of-sale payment solutions.
Are mass payouts supported?
Yes, bulk payout solutions for salaries and vendor payments are available for business clients.
Is there a loyalty program in the service?
Loyalty points and rewards for cardholders, plus seasonal campaigns, are available.
How are bonus points earned?
Points are earned via card usage, bill payments, and promotional transactions.
Is there cashback for operations?
Cashback is available on select card spends, partner offers, and promotional activities.
Are there referral programs?
Users may refer friends to open accounts or apply for cards and earn rewards.
What privileges do VIP clients have?
VIP clients receive concierge service, higher limits, preferential rates, and exclusive event invitations.
Are there seasonal promotions and offers?
Frequent promotional campaigns, special rates, fee waivers, and contests occur seasonally.
Can premium status be obtained?
Premium status is given to users with high deposits, transaction volumes, or by subscribing to premium account plans.
Are there partner discounts?
Partner merchants offer exclusive discounts for AU Small Finance Bank cardholders.
Are there corporate loyalty programs?
Business and corporate accounts may have tailored rewards and loyalty programs.
Does the service allow operations with online casinos?
AU Small Finance Bank does not support or encourage payments to online gambling or casinos.
Are there restrictions on gambling transactions?
Gambling transactions may be declined or blocked as per regulatory policy and bank guidelines.
Can accounts be blocked for casino play?
Accounts involved in unauthorized gambling can be blocked pending review.
How does the service view gambling?
AU Small Finance Bank follows RBI and regulatory policies prohibiting or restricting gambling transactions.
Are there special conditions for gambling?
No special support or conditions for gambling transactions; standard banking policy applies.
Are casino transactions tracked?
Transactions identified as gambling are monitored and reported as per compliance rules.
Can operations with gambling sites be hidden?
Transactions cannot be hidden; transparency required for compliance and reporting.
Are there notifications about gambling expenses?
Users may receive alerts or be notified of declined gambling transactions.
Are there special fees for gambling operations?
No special fees; such transactions may be prohibited or blocked.
Can limits be set on gambling?
Gambling limits are not a default feature for personal banking customers.
Is there a self-exclusion function?
Self-exclusion for gambling is not a standard banking feature.
Can access to gambling sites be restricted?
Payments to gambling sites may be blocked as per regulatory and bank policy.
Is gambling expense control supported?
Expense control for gambling is not a standard feature in AU Small Finance Bank accounts.
Are there notifications about limit exceedance?
Transaction alerts are sent if set limits are exceeded, including for attempted gambling transactions.
Can operations with casinos be blocked?
AU Small Finance Bank can block payments to casino/gambling merchant codes.
Is there gambling expense statistics?
Gambling expense analytics are not enabled in standard account services.
Is a "cooling-off period" supported?
Cooling-off periods for gambling are not supported by AU Small Finance Bank.
Can help be obtained for gambling addiction?
Bank does not provide dedicated gambling addiction support; users should seek specialized organizations.
Is there partnership with player assistance organizations?
No formal partnerships are listed for gambling addiction support.
How to set up gambling expense notifications?
Standard transaction alerts can be set; specialist gambling notifications are not featured.
Which online casinos accept this payment method?
AU Small Finance Bank does not publicly support or facilitate payment to online casinos.
Are there exclusive partnerships with specific casinos?
No exclusive partnerships with casino merchants.
Do conditions differ when used in different casinos?
N/A as casino payments are not supported by the bank.
Are there special bonuses for using this method in casinos?
No bonuses or promotions for this payment method at casinos.
Can the method be used for both deposits and withdrawals in casinos?
Not supported for casino deposits or withdrawals.
Are there geographic restrictions for casino usage?
RBI guidelines restrict support for gambling transactions across India.
How do casino operators typically process transactions from this method?
Casino-related transactions are generally blocked or declined.
Are there typical processing times when used with casinos?
N/A; AU Small Finance Bank does not support casino payments.
Do casinos usually charge additional fees for this method?
N/A; the service does not support casino transactions.
Are there any known compatibility issues with major casino platforms?
AU Small Finance Bank is not compatible with most casino payment platforms due to regulatory requirements.