What is the official website of the payment service?
https://www.icicibank.com
https://www.icicibank.com
The customer service contacts are listed on the 'Contact Us' section at the bottom of https://www.icicibank.com
1860 120 7777
Toll-free support is available at 1800 1080
Yes, there are specific email addresses for products such as credit cards, loans, and corporate accounts listed on the website.
Online chat is accessible via the 'Ask iPal' icon on the ICICI Bank website and within the mobile banking app.
ICICI Bank’s chat support is available 24/7 for customer queries.
Support is available through WhatsApp at +91 86400 86400; Telegram support is not promoted.
Phone and online support typically operate 24/7 for common banking services; branch hours are usually 9:30 AM to 3:30 PM.
Phone and chat support are available on weekends and holidays; branch services may not operate on holidays.
Yes, ICICI Bank has regional branches throughout India for in-person services.
Branches and offices are located in major cities across India such as Mumbai, Delhi, Bangalore, and more.
Customers can schedule branch appointments online or via phone, subject to branch availability and service type.
ICICI Bank has international offices in select countries such as the UK, US, Canada, Singapore, and UAE.
Support is available in English, Hindi, and several major regional Indian languages.
Average phone and chat responses are within minutes; email responses may take up to 2 business days.
Premium banking customers are offered priority support, dedicated managers, and faster response times.
Callback requests are accepted via the website, mobile app, and customer helpline for select products and services.
ICICI Bank was founded in 1994.
Founded by Industrial Credit and Investment Corporation of India (ICICI); ownership is public, traded on stock exchanges.
ICICI Bank began as a financial institution in 1994, launched internet banking in 1999, and expanded rapidly into retail banking and global operations over the next decade.
ICICI Bank has introduced digital banking innovations, rebranded its digital platforms, and upgraded services regularly since its inception.
The board consists of senior executives and independent directors, including chairperson Girish Chandra Chaturvedi and CEO Sandeep Bakhshi.
Major institutional investors, private shareholders, and strategic partners; collaborations include VISA, Mastercard, NPCI, and fintech firms.
Yes, ICICI Bank is publicly traded on NSE and BSE in India and NYSE in the US.
As of August 2025, ICICI Bank’s market capitalization is over $100 billion.
Subsidiaries include ICICI Prudential Life, ICICI Lombard General Insurance, ICICI Securities, and global representative offices.
ICICI Bank holds a banking license from the Reserve Bank of India and various financial service authorizations.
Official operating jurisdictions are India, with branches and offices in select international markets.
ICICI Bank does not currently possess official licenses for direct cryptocurrency operations.
ICICI Bank complies with RBI-mandated AML and KYC regulations for all customers and transactions.
ICICI Bank is PCI DSS compliant for card payments and maintains ISO/IEC security certifications.
Security audits are routinely conducted internally and by external agencies to ensure standards and compliance.
Deposits are insured under the Deposit Insurance and Credit Guarantee Corporation, as per Indian regulatory requirements.
Compliance with PCI DSS, ISO/IEC 27001, RBI guidelines, and FATCA for overseas operations.
ICICI Bank has faced regulatory penalties over the years for operational lapses, as reported by RBI and other authorities.
Major review platforms include Google Reviews, MouthShut, Trustpilot, and app stores.
Common complaints involve customer service delays, ATM and online transaction issues, and loan processing speeds.
Users frequently praise ICICI Bank for its digital banking features, convenient mobile app, and wide branch network.
Occasional withdrawal issues such as delays and ATM errors are reported, typically resolved promptly.
The digital interfaces are generally rated as user-friendly and modern, with positive feedback for mobile banking.
Most users report high satisfaction with transaction speed, especially for app and online banking.
Recommendation rates are above average, particularly for urban customers and digital channel users.
Financial analysts consider ICICI Bank one of India’s most reliable major banks due to compliance and IT infrastructure.
ICICI Bank has won numerous awards such as Best Digital Bank, Best Retail Bank, and technology innovation honors.
ICICI Bank regularly ranks among the top private sector banks in India in industry studies.
ICICI Bank is regularly featured in RBI and industry reports as a leading private sector bank.
The bank has a positive reputation for reliable payment processing and partnership support.
ICICI Bank is noted for digital transformation leadership, new app features, and rapid fintech adoption.
The bank holds ISO certifications and industry quality assurance awards.
ICICI Bank representatives speak at major banking, fintech, and payments industry events globally.
ICICI Bank positions itself as a leading digital bank focused on innovative retail and fintech solutions.
Supports Indian Rupees (INR) primarily; also offers services in USD, GBP, EUR for certain international operations.
ICICI Bank does not directly support cryptocurrencies for payment or banking transactions.
There is no native cryptocurrency or token issued by ICICI Bank.
Currency conversion is available for authorized NRI and international banking customers.
Exchange rates are based on prevailing interbank and market rates set by ICICI Bank at transaction time.
Exchange rates are updated in real time based on forex markets and bank policies.
ICICI Bank does not support stablecoins in its banking products.
Limited handling of exotic currencies for NRI and corporate customers through authorized forex branches.
Restrictions apply as per RBI regulations and local foreign exchange rules in each jurisdiction.
Supports NEFT, RTGS, IMPS, UPI, SWIFT, internal and international fund transfers.
Yes, internal transfers are supported via online, app, and branch banking.
Debit card-to-debit card transfers are supported through UPI and card services.
Money can be transferred to domestic and international bank accounts using multiple transfer modes.
Bill payment for utilities, mobile recharge, and other services are available online and in the app.
Recurring payment setup is supported for billers and standing instructions.
Automated payments and transfers can be scheduled through standing instructions and app features.
Payment scheduling for future dates is supported via the website and mobile app.
Group splitting features are available in the app for select payments and peer-to-peer transfers.
Merchants and individuals can create payment links through integrated payment solutions.
Minimum amounts vary; typically as low as INR1 for UPI, and INR10 for NEFT.
Daily maximums depend on mode; up to INR2,00,000 for UPI, higher limits for NEFT/RTGS, subject to account type.
UPI daily limits are INR1,00,000-2,00,000. Other payment modes have RBI- and bank-set limits.
Monthly and annual limits depend on product, user verification status, and regulatory guidelines.
Limits can be increased upon request via branch, app, or helpline, requiring identity and account checks.
Verified users have higher transaction limits; KYC-compliant accounts enjoy full capabilities.
New accounts have reduced limits and may need full KYC before unrestricted access.
International remittance and transaction limits vary by destination and customer profile.
Temporary account blocks may be placed for security, regulatory, or suspicious activity reasons.
Daily operation count limits exist per payment mode as per RBI and bank policy.
Minimum deposit amounts vary by product; savings accounts can be funded with as little as INR500.
Supported methods include cash, cheque, NEFT/RTGS/IMPS/UPI, card funding, and debit orders.
Deposits via cash and cheque are usually free; online transfers may involve nominal charges per RBI norms.
Minimum funding levels depend on account type; for savings, INR500-INR10,000 depending on product.
Online transfers (UPI, IMPS) are instant; NEFT/RTGS within identified bank hours; cheques may take up to 2-3 days.
Withdrawals via ATM, branch banking, NEFT/IMPS, and fund transfer to external accounts.
ATM withdrawals may attract fees after free limit; online transfers have nominal or no charges.
Instant for ATMs and IMPS; NEFT/RTGS within the bank’s clearing cycles.
ATM and online withdrawal limits depend on account and card type; daily limits apply for transfer modes.
Card-based funding is credited instantly or within a few minutes.
NEFT: 2 hours during working hours. RTGS: Immediate; IMPS and UPI: Instant.
Cryptocurrency transfers are not supported by ICICI Bank.
In-app and UPI/IMPS transfers between ICICI users are instant.
UPI and IMPS are 24/7; NEFT/RTGS may be delayed until bank working hours resume.
National holidays may delay NEFT/RTGS; instant payment modes operate normally.
No expedited crediting option for standard transfers; express corporate banking options may be available.
Speed depends on method (UPI, NEFT, RTGS), regulatory timeframes, and system load.
Customers receive instant SMS/email/app notifications upon account funding.
Contact customer support via phone, branch, or digital channels with transaction details and reference numbers.
Withdrawals are processed instantly via ATM and app, subject to transaction limits and verification.
Card withdrawals at ATMs are processed in real time; interbank transactions may take longer.
IMPS and UPI are instant; NEFT and RTGS processed within hours based on schedules.
Cryptocurrency withdrawals are not supported by ICICI Bank.
Weekend delays may occur only with NEFT/RTGS; instant modes are unaffected.
NEFT/RTGS may be unavailable; UPI and IMPS are operational.
Express withdrawal for standard accounts is unavailable; business products may offer expedited processing.
Payment method, account verification, transaction size, and system schedules affect withdrawal speed.
SMS and email notifications are sent for withdrawals and transfers.
Withdrawal request cancellation is not possible once processed; pending transfers may be canceled by contacting support.
Register via branch, website, or app by providing personal details, proof of identity, and completing KYC.
Personal name, address, phone/email, PAN card, proof of identity and address, income proof for some products.
Registration can be done with just a mobile number and physical documents; email optional but recommended.
Mobile number verification is required during digital and physical registration.
Minimum age is 18 years for individual savings accounts; minors require guardian co-sign.
Business and corporate accounts are available; require incorporation documents, PAN, and signatory verification.
Real and valid data is required for regulatory compliance and AML/KYC checks.
Non-resident accounts available; restrictions apply as per RBI guidelines and foreign citizen regulations.
Digital accounts are typically activated within minutes to a day; physical account activation in 1-3 business days.
Basic, full KYC, and enhanced verification tiers depending on account type and product features.
Photo ID, address proof, PAN card, and passport-size photograph.
Full KYC requires additional documents such as income proof and corporate documentation for business accounts.
Yes, digital and scanned documents are accepted for KYC and onboarding via app and web.
Verification takes a few minutes for digital onboarding; 1-3 days for physical documents.
Limited services are available for unverified users; full functionality requires successful KYC.
Restrictions include lower transaction limits, deposit caps, and inability to access credit or investment products.
Yes, address verification is required for full account access and regulatory compliance.
Some account types may require a selfie with documents for digital verification and fraud prevention.
Document updates required upon expiry or as mandated by regulatory guidelines.
Encryption is provided through SSL/TLS, AES, and other industry-standard protocols on web and app.
2FA is supported and strongly recommended for account login and select transactions.
SMS is used for OTP verification and transaction confirmations.
Biometric authentication is supported in mobile apps for login and transaction approvals.
ICICI Bank does not utilize blockchain for its mainstream banking services.
Security includes multi-level protections: login credentials, OTPs, biometrics, transaction risk analysis.
User data is protected with encryption, access controls, customer privacy policies, and compliant data handling protocols.
Cryptocurrencies are not supported or stored by ICICI Bank.
Yes, the bank employs advanced DDoS protection and mitigation strategies.
Security audits are conducted internally and externally at regular intervals per regulatory standards.
Anti-phishing education, browser security protocols, and transaction monitoring are provided.
Suspicious activities are monitored continuously using advanced risk analysis and detection algorithms.
AML procedures include rigorous KYC processes, transaction monitoring, and mandatory reporting.
Accounts with suspicious activity may be blocked automatically or on investigation.
Contact support ASAP with transaction details; block compromised accounts and review activity.
Use the app’s security section, call the helpline, or visit a branch to report suspicious activity.
Compensation is provided subject to investigation outcome and adherence to user security guidelines.
Users can raise disputes for unauthorized transactions; investigations occur per RBI consumer protection guidelines.
Submit a written request or call support; provide identification and justification for unblocking.
No separate user cyber insurance; general deposit protection applies as per banking regulations.
Transfer fees vary by method: NEFT/RTGS/IMPS are nominal; intra-bank transfers are often free.
No fees for typical funding methods; certain modes or large deposits may incur charges.
ATM withdrawals above free limit incur fees; online withdrawal fees depend on method and destination.
Currency conversions incur standard forex markup and government charges.
No inactivity fees on standard accounts; charges may apply for dormant accounts after long inactivity.
Maintenance fees may apply for select accounts like premium, business, or NRI products.
Cancellation fees are rare; specific fees depend on transaction type and timing.
Standard expedited fee structure does not apply; business clients may arrange priority processing.
Fee schedules are transparent and annually updated as per regulatory requirements.
Fees on large transactions are percentage-based, with caps as per RBI and bank policy.
Various account and service plans exist, including standard, salary, premium, and NRI accounts.
VIP clients have higher limits, priority support, access to exclusive products, and dedicated relationship managers.
Qualify via high account balances, premium product selection, or relationship management programs.
Free transactions are provided each month on standard accounts; limits vary by account type.
Active users enjoy reduced fees, loyalty points, and promotional offers.
Yes, corporate accounts have dedicated pricing plans and tailored solutions.
Individual account conditions can be negotiated for HNI and corporate clients.
Promotional and referral codes periodically reduce fees for select transactions.
Cashback programs exist for credit cards, select digital payments, and partner merchant transactions.
High-volume business clients may receive discounted transaction fees.
Yes, the official ICICI Bank mobile app is available.
Available for Android and iOS devices.
Account management, fund transfers, bill payments, support, investment services, and card controls.
Core functions are equivalent; some features like personalized alerts or biometric login differ across platforms.
Yes, biometric authentication such as Touch ID and Face ID is supported for mobile app login.
Core banking features require internet; offline access is limited to some notifications and account viewing.
Push notifications for transactions, offers, and account activity are supported in the mobile app.
The app supports a dark mode theme for user convenience.
Updates are frequent, typically monthly, for security and feature enhancements.
Beta versions are periodically available for select users via app stores.
The bank’s web interface is user-friendly, streamlined, and widely praised for ease of use.
Yes, ICICI Bank’s web platform is mobile-responsive for different devices.
Interface languages include English, Hindi, and several regional Indian languages.
Dark-mode/night-mode is supported on the website.
Limited hotkey shortcuts are available for navigation and accessibility.
Account statements and transaction history can be exported in PDF, Excel, and CSV formats.
ICICI Bank offers developer APIs for select partners via its developer portal.
Integration is available for tax filing, accounting, and payment processing third-party services.
Major updates are rolled out quarterly; minor improvements occur more frequently.
Virtual debit and credit cards can be issued for digital payments.
Disposable, one-time-use virtual cards are available for secure online transactions.
Multi-currency accounts are available for NRI, business, and global customers.
Investment products include mutual funds, bonds, fixed deposits, and insurance solutions.
Savings account holders earn regulated interest on balances.
Credit cards, personal loans, home loans, and auto loans are offered.
ICICI Bank does not support cryptocurrency or general peer-to-peer trading.
Cryptocurrencies cannot be directly bought/sold through ICICI Bank banking products.
Merchant acquiring and payment gateway solutions are available for businesses.
Bulk payments and corporate payout solutions are available.
Loyalty programs are offered for credit/debit card users, as well as business clients.
Points are earned through card spends and eligible transactions at partner merchants.
Cashback is provided for select card transactions and partner payments.
Referral programs exist for inviting new users or applying for account products.
VIP clients receive priority support, custom pricing, exclusive offers, and dedicated managers.
Regular promotional offers and seasonal campaigns are run on retail and digital products.
Premium account status can be obtained via eligibility criteria such as deposits or product portfolios.
Discounts are available at partner merchants and service providers through seasonal and loyalty programs.
Corporate clients have access to dedicated loyalty schemes and rewards.
ICICI Bank follows regulatory guidelines and does not actively promote casino transactions.
Gambling transactions may be restricted or monitored in compliance with RBI and local rules.
Accounts may be flagged or blocked for suspicious gambling activity based on regulatory and risk analysis.
ICICI Bank does not endorse gambling; adheres to responsible government and regulatory standards.
No special banking conditions are set for gambling; all transactions are monitored for regulatory compliance.
Gambling-related transactions are monitored for suspicious or large activity.
Transaction details follow regulatory and banking standards for reporting and transparency.
Alerts may be sent for high-value or frequent gambling site transactions.
Standard banking fees apply; additional fees for gambling-related transfers are not specified.
Spending limits can be set manually for general transactions; specific gambling controls depend on account settings.
No formal self-exclusion feature exists, but customers can block their cards or online access.
Card and online payment restrictions can be enabled for specific transaction categories by request.
Spending analytics are provided; clients can request spend controls and alerts.
SMS/email alerts are sent for exceeding transaction or account limits.
Blocking is possible for gambling categories via card controls or account management.
Transaction analytics include gambling spends where applicable.
No formal cooling-off period for gambling, but accounts can be suspended if requested.
The bank does not directly provide counseling; external help is recommended.
ICICI Bank does not list formal partnerships with gambling addiction organizations.
Notifications can be configured via mobile app spend analytics or by contacting customer support.
Major online casinos operating in India accept ICICI Bank debit/credit cards and net banking.
ICICI Bank does not promote exclusive partnerships with any online casino.
Conditions and acceptance may differ based on the casino operator, card type, and regulatory status.
No special casino payment method bonuses are promoted via ICICI Bank.
ICICI Bank-enabled cards can be used for casino deposits; withdrawals depend on the casino’s banking practices.
Usage and acceptance are governed by RBI and local gambling regulations.
They process deposits as standard card transactions and withdrawals to linked bank accounts per banking rules.
Deposits are usually instant; withdrawals to ICICI accounts may take 1-3 business days.
Fees can be charged by casinos for card deposits; ICICI Bank applies standard banking charges.
ICICI Bank’s cards/net payment methods are widely compatible; occasional issues can arise due to individual casino policies.