What is the official website of the payment service?
https://www.fincarebank.com
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Where can I find the customer support contacts?
Customer support contacts are available on the "Contact Us" page of the official website and in the mobile app.
What is the hotline phone number?
18003131212
Is there a toll-free support number?
Fincare Small Finance Bank provides a toll-free customer care number: 18003131212.
What is the email address for technical support?
Are there separate emails for different types of inquiries?
Some providers offer dedicated email addresses for complaints, card issues, and partnership inquiries; check the website's contact section for current options.
Where can I find the online chat support?
Online chat support is accessible via the official website and inside the bank's mobile application if available.
Does the chat support work 24/7?
Chat support typically operates during regular business hours; 24/7 availability may depend on the service provider.
Is there support through messengers (Telegram, WhatsApp)?
Support via messengers like WhatsApp may be available; check official announcements or contact pages for activation details and phone numbers.
What are the support working hours?
Standard support hours are usually 9:00AM to 6:00PM on business days; online support may extend beyond these hours.
Does support work on weekends and holidays?
Some banks provide limited weekend support; for urgent issues, hotline and digital channels are preferred.
Are there regional offices for in-person visits?
Regional offices and branches are available in urban and semi-urban locations; use the branch locator on the website.
Where are the physical offices located?
Physical offices are located across India in major cities and towns; visit the “Branch Locator” page for addresses.
Can I schedule a personal meeting?
Personal meetings can be scheduled by contacting the branch directly or via appointment features in the app/website, subject to availability.
Are there representatives in different countries?
Fincare Small Finance Bank operates primarily in India and does not maintain offices abroad.
In which languages is support available?
Support is available in English, Hindi, and several regional Indian languages for banking customers.
How quickly does support respond to requests?
Email responses may take 24-48 hours; phone and chat support often provide instant or same-day assistance during working hours.
Is there a priority system for VIP clients?
Many banks offer priority support for premium account holders, including faster response times and dedicated managers.
Can I request a callback?
Callback requests are commonly supported via web forms, mobile app, or through phone banking menu options.
When was the payment service founded?
Fincare Small Finance Bank was founded in 2017.
Who is the founder and owner of the service?
The bank is promoted by Fincare Business Services Limited; ownership includes institutional and retail shareholders.
What is the development history of the payment service?
Began as Disha Microfin, received RBI approval in 2015, commenced SFB operations in 2017, expanding product range and branch footprint since.
Have there been major updates or rebranding?
Rebranded from Disha Microfin to Fincare Small Finance Bank post RBI approval; continuous digital upgrade is reported.
Who sits on the company's board of directors?
The board includes senior banking professionals, independent directors, and nomination from promoters; details are on the official website.
Are there investors or partners in the service?
Investors include private equity firms and institutional investors; partnerships exist with fintechs and payment network providers.
Does the company participate in stock trading?
Fincare Small Finance Bank is not currently publicly listed as of August 2025.
What is the company's market capitalization?
Market capitalization is unavailable as the bank is not publicly traded.
Are there subsidiary companies or branches?
Subsidiary operations include microfinance lending arms and a network of branches across India.
What licenses does the payment service have?
Licensed by the Reserve Bank of India as a Small Finance Bank, permitting deposit-taking, lending, and payment operations.
In which jurisdictions does the service operate officially?
Official operations and licensing apply only within India.
Are there licenses for cryptocurrency operations?
Fincare Small Finance Bank does not currently hold any cryptocurrency-related regulatory licenses.
Does the service comply with AML/KYC requirements?
It fully complies with Indian AML and KYC requirements as mandated by RBI.
Are there security certificates (PCI DSS, etc.)?
Banks typically certify for PCI DSS and adopt ISO standards for payments and data security.
Has the service undergone security audits?
Regular security audits are mandated by regulators, with both internal and external audits performed periodically.
Is there insurance for client funds?
Deposits are insured under the Deposit Insurance and Credit Guarantee Corporation (DICGC), up to Rs.5 lakh per account.
Which international standards does it comply with?
The bank complies with RBI regulations, AML/KYC rules, and adopts ISO and PCI DSS security standards.
Have there been any regulatory fines or violations?
The bank has not been publicly reported for major regulatory violations as of August 2025.
Where can I find real reviews about the service?
Real reviews are found on Google, Play Store, App Store, Trustpilot, and consumer feedback sites.
What are the main user complaints?
Common complaints include delays in support response, ATM/network outages, mobile app issues, and occasional fund transfer delays.
What do users most often praise the service for?
Users praise prompt customer service, good interest rates on savings, wide branch network, and digital banking features.
Are there issues with fund withdrawals?
Occasional ATM cash-out or network issues are reported, but major systemic problems are not prevalent.
Is the interface convenient according to users?
The app interface is rated as user-friendly; some users request more features and improvements to navigation.
Are clients satisfied with transaction speed?
Transaction speed is generally viewed as satisfactory, with NEFT/IMPS and UPI payments processed rapidly.
Do users recommend this service?
Many users recommend the bank, especially for savings, micro-loans, and accessibility in rural locations.
How do experts assess the service's reliability?
Experts cite robust compliance, modern banking platforms, and strong financial backing, recommending it for retail banking.
Are there industry awards and recognitions?
Fincare Small Finance Bank has received awards for financial inclusion and digital innovation from reputed industry groups.
Does the service participate in payment system rankings?
The bank is featured in financial inclusion and SFB sector rankings in India, evaluated by leading industry organizations.
Are there recommendations from financial regulators?
RBI issues operational guidelines and recommendations to all Small Finance Banks, including Fincare SFB.
What reputation does the service have among partners?
Partners praise its expansion, compliance with settlement standards, and openness to technology partnerships.
How do they evaluate solution innovation?
Industry observes strong focus on digital product innovation, financial inclusion, and mobile banking capabilities.
Are there quality service certificates?
Service certificates like ISO 9001, PCI DSS for banking services may be adopted; check website for specific listings.
Does the company participate in industry conferences?
The bank’s executives regularly attend and speak at banking, fintech, and financial inclusion conferences.
How does the service position itself in the market?
Positions as an inclusive modern bank focused on rural, semi-urban, and microfinance customers, with digital-first solutions.
Which fiat currencies does the service support?
Supports Indian Rupee (INR) for all payment and banking operations.
Are cryptocurrencies supported? Which ones specifically?
Cryptocurrencies are not supported; no crypto payments or wallet features as per regulatory policy.
Is there a proprietary cryptocurrency or token?
No proprietary cryptocurrency or digital token is issued or supported.
Can currencies be converted within the service?
Currency conversion services are not available; only INR operations are supported in compliance with Indian regulations.
What exchange rates are used for conversion?
Not applicable, as foreign currency conversion is not offered.
How often are exchange rates updated?
Not applicable for domestic-only INR services.
Are stablecoins supported?
Stablecoins are not supported under the regulatory framework for Indian banks.
Can exotic currencies be handled?
Only INR services are supported; exotic currencies are not handled.
Are there currency restrictions in different countries?
Bank’s services are for Indian customers and transactions in INR; cross-border or foreign currency operations not permitted.
What types of transfers does the service support?
Supports NEFT, RTGS, IMPS, UPI, internal transfers, bill payments, and third-party remittances within India.
Can transfers be made between service users?
Peer-to-peer transfers within Fincare Bank and interbank transfers using UPI/IMPS/NEFT are supported.
Are transfers to bank cards supported?
Transfers to debit cards are enabled via IMPS; credit card payments are possible through billers.
Can money be transferred to bank accounts?
Yes, funds can be transferred to bank accounts via NEFT, RTGS, IMPS, and UPI.
Is bill payment available?
Bill payment services for utilities, mobile recharge, and credit card dues are supported.
Are recurring payments supported?
Recurring payment options are available for loan EMIs, standing instructions, utility payments via bank mandate.
Can automatic transfers be set up?
Automatic transfers can be scheduled for recurring transactions; standing instructions are supported.
Is payment scheduling available?
Scheduled payments for future dates are supported through standing instructions or within the mobile app.
Are group payments supported?
Group payment capabilities are limited; some banks offer payment splitting via UPI.
Can payment links be created?
Payment links for merchant transactions may be supported via UPI or business banking services.
What are the minimum transaction amounts in the service?
Minimum transaction amounts vary by transaction type; NEFT/IMPS may start from ₹1.
What are the maximum amounts that can be transferred?
Maximum amounts depend on transfer mode and account limits; IMPS is up to ₹2 lakh, NEFT/RTGS as per RBI rules.
Are there daily limits on operations?
Daily limits apply to IMPS, UPI, and ATM withdrawals as set by RBI or bank internal policy.
What monthly and annual limits are in effect?
Monthly/annual limits depend on transfer types and account KYC level; details provided in account documentation.
Can limits be increased? How?
Limits may be increased by request at branch, submitting enhanced KYC documents, or upgrading account status.
Do limits differ for verified users?
Verified and KYC-complete users may access higher transaction and withdrawal limits compared to basic accounts.
Are there restrictions for new accounts?
New accounts often face lower transaction and withdrawal limits until full KYC is completed.
Do special limits apply in different countries?
The bank operates only in India; all users follow domestic limits as per RBI mandates.
Can operations be temporarily blocked?
Temporary block on transactions may occur for suspected fraud, regulatory review, or at user’s request.
Are there limits on the number of daily operations?
Maximum transaction counts per day are implemented for security and anti-fraud compliance.
What are the minimum amounts for account funding?
Minimum deposit varies by account type; basic savings accounts may start from ₹500.
What methods of funding are supported?
Funding supported via cash deposit, cheque, IMPS/NEFT/RTGS, UPI, and digital wallet integration.
Are there fees for funding?
Cash and cheque deposits are usually free; digital transfers may incur nominal fees depending on method and limit.
What are the minimum funding amounts?
Minimum funding threshold depends on account; typically ₹500–₹1,000 for standard savings.
How quickly are funds credited when funding?
IMPS/UPI are instant; NEFT/RTGS as per scheduled cycles; cash/cheque as per clearing timelines.
How can money be withdrawn from the system?
Withdrawals via ATM, branch cash withdrawal, cheque, or digital transfer (IMPS/NEFT/RTGS).
Are there fees for fund withdrawal?
ATM withdrawals over free limit and branch withdrawals may incur nominal fees.
How long does withdrawal take?
ATM and IMPS is instant; NEFT/RTGS as per RBI schedule; branch withdrawal immediate if documents are valid.
What withdrawal limits are set?
Daily withdrawal limits set by card/account type; e.g., ₹20,000–₹50,000 for ATMs, higher via branch.
How quickly are funds credited when funding with a card?
Card-linked account funding is instant via UPI/IMPS; may vary for debit/credit card loads.
How long does a bank transfer take?
IMPS is instant; NEFT within hours; RTGS immediate during working hours.
How quickly do cryptocurrency transfers arrive?
Not applicable; cryptocurrency operations not supported.
Are transfers between users instant?
Transfers within the same bank via IMPS/UPI are instant.
Are there delays when funding on weekends?
IMPS/UPI are available 24/7; NEFT/RTGS may be delayed outside business hours.
Do holidays affect funding speed?
Digital channels operate on holidays but branch and NEFT/RTGS may be affected as per RBI schedule.
Can crediting be accelerated for a fee?
Premium speed for funding is not standard; most instant channels are free or low-cost.
What determines the speed of funding processing?
Method used, compliance checks, system load, and transaction value.
Are there notifications about funding status?
SMS and push notifications are sent after successful or failed funding transactions.
What to do if funding takes too long?
Contact customer support with transaction details; bank will investigate and update status.
How quickly are withdrawal requests processed?
ATM and IMPS withdrawals are processed instantly; NEFT/RTGS as per RBI cycle.
How long does card withdrawal take?
ATM card withdrawals are immediate; branch and cheque-based may take longer.
How quickly do bank transfers arrive?
IMPS is instant, NEFT can take up to 2-4 hours, RTGS immediate within operating hours.
Are cryptocurrency withdrawals instant?
Not applicable; the bank does not support crypto withdrawals.
Are there withdrawal delays on weekends?
IMPS and ATM withdrawals are available 24/7; NEFT/RTGS may be delayed.
Do holidays affect withdrawal speed?
Digital withdrawals unaffected; branch-based may be delayed or unavailable.
Can withdrawal be accelerated for an additional fee?
Express withdrawal is generally unavailable; most instant channels incur no extra fee.
What determines withdrawal processing time?
Type of transaction, clearing schedule, regulatory checks, and system performance.
Are there notifications about withdrawal status?
Customers receive SMS/email/push notifications for all withdrawal transactions.
Can a withdrawal request be canceled?
Most real-time withdrawals cannot be canceled; pending transfers may be stopped if not processed.
How to register with the payment service?
Registration at branch, online via website, or through mobile app; KYC documents and details required.
What data is needed to create an account?
Full name, address, mobile number, email, government ID, PAN, photograph, and address proof.
Can registration be done without email?
Registration may proceed with mobile number only, but email is advised for account alerts and password recovery.
Is phone confirmation required during registration?
Yes, phone number verification is standard for security and communication.
Are there age restrictions for registration?
Minimum age is typically 18 years for opening standard bank accounts.
Can a corporate account be created?
Corporate and business account options are available; commercial documentation is required.
Is it required to provide real data?
Real, verifiable data is required for all accounts; fraudulent details lead to rejection.
Are there country restrictions for registration?
Only Indian residents or eligible NRIs can register; proof of residency and compliance documents are needed.
How long does account activation take?
Account activation takes 24–72 hours after successful KYC verification.
What verification levels exist?
Tiered verification levels exist, ranging from basic KYC to enhanced KYC and business due diligence.
What documents are required for basic verification?
Government-issued ID addressed proof (Aadhaar, PAN), photograph, and contact details.
Are documents needed for full verification?
Full verification requires additional documents like income proof, utility bills, and business registration (for business accounts).
Are digital copies of documents accepted?
Digital document upload is supported during online account opening.
How long does the verification procedure take?
Verification is completed within 24–72 hours for standard accounts.
Can the service be used without verification?
Unverified accounts are very restricted; only non-transactional features may be accessible.
What restrictions apply to unverified users?
Limited or no transaction access, lower deposit caps, no withdrawals.
Is address confirmation required?
Yes, address verification is required for all accounts.
Is a selfie with documents required?
Increasingly required for remote KYC, especially for online account opening.
How often do documents need to be updated?
Documents are refreshed as per regulator guidelines (e.g., every few years or on change).
What encryption technologies does the service use?
Banks use 256-bit SSL/TLS encryption, and hardware security modules for data and transaction protection.
Is two-factor authentication supported?
2FA is supported through SMS OTPs, biometrics, and app-based verification for secure operations.
Are there SMS confirmations for operations?
SMS confirmations are sent for each major account operation and transaction.
Is biometric authentication supported?
Biometric login and transaction authorization are available via fingerprint or facial recognition on compatible devices.
Is blockchain technology used?
Traditional banking platforms do not use blockchain for retail operations.
Is there a multi-level security system?
Multi-layer security includes encryption, customer authentication, intrusion detection, and real-time monitoring.
How is user personal data protected?
Data is encrypted, securely stored, and managed according to privacy and regulatory guidelines.
Is cold storage used for cryptocurrencies?
Not applicable; bank does not support crypto services.
Is there DDoS attack protection?
DDoS mitigation tools and firewalls are deployed to protect online banking infrastructure.
Are regular security audits conducted?
Annual external and frequent internal audits are performed per regulatory requirement.
What anti-phishing protection measures are provided?
Warnings, user education, transaction authentication, and threat monitoring protect against phishing.
Is there a suspicious activity detection system?
Advanced fraud detection and transaction monitoring systems operate continuously.
How does the service combat money laundering?
Automated AML checks, reporting suspicious activity, and regulatory compliance procedures are implemented.
Is there blocking of suspicious accounts?
Suspicious accounts are reviewed and, if necessary, blocked or frozen for investigation.
What to do when fraud is detected?
Contact customer care immediately, provide transaction details, and cooperate with the investigation.
How to report suspicious activity?
Use hotline, branch staff, or online portal to report; the bank initiates investigation and regulatory notifications.
Is there compensation for damage from fraudsters?
Compensation is offered if fraud occurs due to bank security failure, subject to investigation.
What user rights exist for disputed transactions?
Users can file disputes, initiate chargebacks, and seek resolution as per regulatory norms.
How to dispute account blocking?
Submit inquiry to customer care channel; bank reviews, investigates, and responds as per policy.
Is there insurance against cyber attacks?
Insurance against cyberattacks may be offered for certain products; check policy documents for details.
What fees does the service charge for transfers?
NEFT/RTGS/IMPS fees vary by amount; UPI is generally free; fees schedule available on website.
Are there fees for account funding?
Digital funding is usually fee-free; cash/cheque as per schedule; review account T&C.
Are fees charged for fund withdrawal?
ATMs/branch withdrawals over the free limit incur fees; check the specific rates per account/product.
Are there fees for currency conversion?
Not applicable; currency conversion is not offered.
Are there fees for account inactivity?
Savings accounts may have inactivity penalties if minimum balance not maintained.
Are there account maintenance fees?
Some accounts charge monthly/annual maintenance fees based on product and balance.
Are fees charged for operation cancellation?
Fees apply if transaction is canceled after cutoff or processed; refund policies vary.
Are there hidden fees?
Bank transparently publishes its fee schedule; hidden fees are discouraged and regulated.
How are fees calculated for large amounts?
High-value transfers may incur tiered fees as per slab structure from bank tariff schedule.
Are there different tariff plans in the service?
Multiple account types and business/corporate tariff plans are available; details on website.
What advantages does VIP status provide?
VIP accounts enjoy lower fees, higher limits, dedicated relationship managers, and priority support.
How to get preferential conditions?
Maintain higher balances, enroll in premium plans, or use business banking products.
Are there free operations per month?
Savings accounts often include a set number of free ATM withdrawals and NEFT/IMPS transactions monthly.
Are there discounts for active users?
Banks may offer discounts or fee waivers to frequent users; terms apply.
Are there corporate tariffs?
Separate tariffs for business/corporate clients; custom services and pricing available on request.
Can individual conditions be obtained?
Personalized terms may be negotiated for high-value, corporate, or long-standing customers.
Do promotional codes work for fee reduction?
Promotional codes and bank offers may reduce specific fees; terms disclosed in campaign materials.
Are there cashback programs?
Cashback on spending or bill payments may be offered through special promotion programs.
Are there discounts for transaction volumes?
High transaction volume discounts may be available for business clients; conditions apply.
Is there an official mobile application?
Yes, Fincare Small Finance Bank has an official mobile application.
On which platforms is the application available?
Available on Android and iOS platforms.
What functions are available in the mobile application?
Functions include balance inquiry, fund transfer, bill payment, account management, and customer support.
Does functionality differ from the web version?
Most features are consistent; some administrative functions or business tools may be web-only.
Is Touch ID/Face ID supported?
Biometric authentication (Touch ID/Face ID) is supported for secure login on compatible devices.
Can the application work offline?
Limited offline access for viewing balance or recent transactions; most functions require internet.
Are there push notifications about operations?
Push notifications for transactions, security alerts, and offers are available.
Is dark theme supported?
Dark mode is supported in newer app versions.
How often is the mobile application updated?
Updates are released every few months to add features, security fixes, and enhancements.
Are there beta versions of the application?
Beta programs may be offered for early access to new features; see app store for details.
Is the web interface of the service convenient?
The web interface is user-friendly and designed for easy navigation; feedback is generally positive.
Is responsive design supported?
The website supports responsive design for access from mobile devices, tablets, and desktops.
In which languages is the interface available?
Interface available in English and major Indian languages.
Is there a night mode for the website?
Dark/night mode is available in updated web versions.
Are hotkeys supported?
Hotkeys may be supported for online banking platforms; refer to help section for key combinations.
Can data be exported?
Account statements and transaction data can be exported in formats like PDF and CSV.
Is there an API for developers?
APIs for integration with business payment solutions may be available; contact the bank for documentation.
Is integration with other services supported?
Integration with UPI apps, billers, and business ERP systems is supported.
How often is the web interface updated?
Website and platform are updated periodically as new features or regulatory changes are implemented.
Are there virtual cards in the service?
Virtual debit cards may be available for secure online purchases; check account options.
Can disposable cards be created?
Disposable virtual cards may be offered for one-time online use in special cases.
Is multi-currency account functionality supported?
Multi-currency functionality is not supported; only INR.
Are there investment products?
Offers fixed deposits, recurring deposits, and mutual fund investment options.
Can interest be earned on balance?
Interest is paid on savings, fixed, and recurring deposits as per prevailing rates.
Are there credit products?
Provides credit products including micro-loans, personal loans, business loans, and overdraft facilities.
Is P2P trading supported?
P2P trading is not supported; bank only facilitates payments and banking transactions.
Can cryptocurrencies be bought/sold?
Buying/selling cryptocurrencies is not supported.
Is there acquiring for business?
Payment gateway and merchant acquiring services are offered for businesses.
Are mass payouts supported?
Business banking enables bulk/mass payout options for payroll and vendor payments.
Is there a loyalty program in the service?
Loyalty programs and reward schemes may be run for customers during promotional campaigns.
How are bonus points earned?
Bonus points are earned through transactions, promotional activities, or spending milestones.
Is there cashback for operations?
Cashback for select transactions or campaigns may be credited to accounts.
Are there referral programs?
Referral programs are periodically launched with rewards for successful account referrals.
What privileges do VIP clients have?
VIP clients receive dedicated managers, higher limits, reduced fees, and faster dispute resolution.
Are there seasonal promotions and offers?
Regular campaigns offer differentiated benefits on products, transfers, or bill payments.
Can premium status be obtained?
Premium accounts are available by meeting criteria like balance threshold or product signup.
Are there partner discounts?
Special discounts at partner merchants and billers are available on using Fincare payment methods.
Are there corporate loyalty programs?
Corporate loyalty and rewards programs are available for business clients.
Does the service allow operations with online casinos?
Transactions with online casinos are generally restricted in compliance with regulatory guidelines.
Are there restrictions on gambling transactions?
Transactions related to gambling, lotteries, and betting are restricted or blocked.
Can accounts be blocked for casino play?
Accounts may be blocked if found involved in unlawful casino or gambling activity.
How does the service view gambling?
Bank upholds compliance with RBI and government guidelines restricting gaming/gambling-related money transfers.
Are there special conditions for gambling?
No special facilitation for gambling-related transactions; such operations may be monitored and restricted.
Are casino transactions tracked?
All transactions are monitored; gambling-related activity flagged per anti-money laundering protocols.
Can operations with gambling sites be hidden?
Transactions are visible in account statements and are not hidden; transparency required by regulation.
Are there notifications about gambling expenses?
Expense tracking is not gambling-specific; notifications occur for all transactions.
Are there special fees for gambling operations?
No special fees; but transactions may be delayed or denied per regulatory norms.
Can limits be set on gambling?
Gambling transaction spending controls are not standard but strict compliance limits apply.
Is there a self-exclusion function?
Formal self-exclusion option for gambling not offered; account blocking possible on request.
Can access to gambling sites be restricted?
Gambling site payments are restricted by default policy.
Is gambling expense control supported?
Expense analysis tools may be included, but not gambling-specific.
Are there notifications about limit exceedance?
Account holders receive alerts if transaction limits or regulatory thresholds are exceeded.
Can operations with casinos be blocked?
Banks routinely block or decline transactions related to casinos as mandated by RBI.
Is there gambling expense statistics?
Expense breakdowns can be seen in account statements, but not categorized as gambling unless tagged.
Is a "cooling-off period" supported?
Gambling cooling-off features are not standard practice for banks.
Can help be obtained for gambling addiction?
Banks may refer affected users to helplines or NGOs on request.
Is there partnership with player assistance organizations?
No formal partnerships with player assistance organizations.
How to set up gambling expense notifications?
Notifications can be managed for all transactions; specific gambling alerts are not standard, but monitor via digital statements.
Which online casinos accept this payment method?
Indian banks do not support direct payments to online casinos due to regulatory restrictions.
Are there exclusive partnerships with specific casinos?
No exclusive partnerships with casinos.
Do conditions differ when used in different casinos?
Not applicable; online casino operations are not supported.
Are there special bonuses for using this method in casinos?
No bonuses for casino-related payments; such transactions are prohibited.
Can the method be used for both deposits and withdrawals in casinos?
Casino deposits and withdrawals are not supported by Indian banks per regulation.
Are there geographic restrictions for casino usage?
Usage for casino transactions is geographically restricted within India.
How do casino operators typically process transactions from this method?
Casino operators cannot process payments from Indian banks per regulatory blocks.
Are there typical processing times when used with casinos?
Payments to casinos are blocked and cannot be processed.
Do casinos usually charge additional fees for this method?
Not applicable; casino transactions are not allowed.
Are there any known compatibility issues with major casino platforms?
Not compatible; payments to major casino platforms are not supported.