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Features and Services offered by ICICI Net Banking

The services offered by ICICI have a huge range from funds transfer to bill payments to access to the user’s account and activity and much more. The bank has more than 300 services to offer to its customers via its net banking service and it provides a shortcut or widget mode of the favorite service used or preferred by the user according to his/her activity log or as opted by them.

This widget will provide the user with a consolidated position of the user’s bank account, credit card, loans, or his/her banking relationship. The widget mode will also enable the user to view his favorite accounts (accounts that are frequently used by the user for transfer or payments) and carry out the required fund transfer or quick pay or recharge without going to the respective page for the same.

The details of various other features and services offered by the bank are detailed hereunder.

Dashboard features

The user can get the details of his/her profile, customize shortcuts, or generate card PIN and much more using the dashboard option. The bank offers a series of features depending on the account type and segment of the account. Some of the examples of these features are,

  • view of assets/liabilities
  • payment summary on the calendar
  • pre-qualified orders
  • transaction view of recently completed transactions
  • account summary
  • branch wise summary
  • consolidated summary
  • credit cards
  • demat accounts
  • loan accounts
  • operative accounts
  • password alerts
  • quick pay
  • investment insights

Transfer of funds

The bank allows transfer of funds to the person’s own account with the bank or to another account with some other bank. These transfers can be done via NEFT/RTGS/IMPS. The bank also allows the user to get cardless cash withdrawal or receive funds, send smart money orders or donate online.

Payee Management

The net banking feature allows the user to add payees to his/her account. These payees can be from the ICICI Bank or any other bank.

The payees could also be a cardless cash withdrawal payee and can be confirmed using URN.

The other payees can also be confirmed using the URN and the user can also view the registered payees via URN.

Bill Payments and Recharge

The bank allows the user to pay various bills and Visa Credit card bills of any other bank, get payment intimations of pending bills, schedule payments on auto payment mode as well as view or modify or delete the registered billers.

The net banking facility of the bank also allows the user to make recharge payments like recharging prepaid mobiles, DTH connection, data card.

Profile related tasks

The bank allows the user to carry out various ancillary tasks as well relating to the user’s profile like updating/changing the password to the net banking account, personalizing transaction limits, setting up of favorite activities or accounts or a primary account in case of multiple accounts with the bank.

Deposits

The net banking facility also allows the user to set up new deposits (fixed or recurring), open a PPF account, get FD advice and other ancillary services related to such accounts.

  • The user can apply for various government schemes that the bank is authorized to be part of like the Atal pension Yojana,Pradhan Mantri Suraksha Bima Yojana, Pradhan Mantri Jeevan Jyoti Bima Yojana
  • Other ancillary services include viewing the mini statements or detailed statements of the account or e-statements of credit card, demat account, etc. the user can also create pocket cards and view the details regarding the same or add funds to these pocket cards.
  • The user can open a demat account with the net banking of the bank as well as view the transaction details or personal details, bill details, settlement calendar or other related services to the demat accounts.
  • The net banking account of the user can also be used to make various investments online as well as get various insurances like Life Insurance, Health Insurance, Travel Insurance, Car Insurance, etc.
  • The user can also link various other accounts held with the bank like loan accounts, the bank’s health policy, prudential policy or motor policy.
  • The net banking account also allows the payments of taxes to the government (direct/indirect), e-filing of returns, viewing TDS Certificates, etc as well as provides many services related to credit cards like applying for a new card, view and manage a credit card, view statements, generate 3D Secure PIN, set up auto debit and many more services related to the same.

The other services offered on the bank’s net banking facility include e-locker, quick shopping, applying for gift card, forex related services, register for digital signature certificate and much more, the detailed list of which can be obtained at the bank’s website.

How Do I Register For ICICI Bank NetBanking?

Step 1: Visit the official website of ICICI Netbanking portal at https://www.icicibank.com/Personal-Banking/insta-banking/internet-banking/index.page

Step 2: Click on the Login seen next to the piece of text ‘Personal Banking.’

Step 3: Click Get User ID to initiate the registration process.

Step 4: Enter the bank account number and the mobile number registered with the account before clicking ‘GO’.

Step 5: A user Id will be generated for your account, and it will be displayed on your screen.

Step 6: Now, visit the login page again and click ‘Generate Password’.

Step 7: In the next screen, click on click here to proceed.

Step 8: Enter the User ID and click Go.

Step 9: Key in the registered mobile number for the account to get the OTP.

Step 10: Enter the OTP obtained so that the system will generate a password for you to access the internet banking services.

How To Login To ICICI Bank Netbanking portal?

Step 1: Go to the official website of the ICICI net banking portal at: https://www.icicibank.com/Personal-Banking/insta-banking/internet-banking/index.page.

Step 2: Enter the User ID and the password

Step 3: Click the Login button to access your internet banking account.

How To Change The Password For ICICI Bank Netbanking?

You can access all of ICICI bank's netbanking services from the comfort of your home through its netbanking portal. You can carry out a broad range of transactions, such as fund transfers, online shopping, etc. with ease and speed. For the netbanking feature, all transactions are secured by passwords. So, you have to reset your password for the sake of account security. The following are the steps to reset your ICICI Bank netbanking password:

1. Go to the official website of ICICI bank and log in to the ICICI internet banking account.

2. Then, click customer service and select My Profile.

3. Click on ‘Change password.’

4. Enter all the necessary details like your account number and then click ‘Update.’

5. The screen will then show a message that your login password was altered successfully.

How To Check The Account Balance On The ICICI Bank NetBanking Portal?

The following are the steps to check the account balance on the ICICI Bank netbanking portal:

  • First, register for the netbanking services.
  • Login to your account on the netbanking portal with the user ID and the password.
  • Upon logging in, you can check the account balance on the dashboard.
  • The account balance for all the accounts enlisted with the netbanking portal will be shown on the dashboard.
  • Additionally, you can verify the current transactions and download the account statement also.

Transfer of funds through ICICI Net banking account

The user can transfer funds or receive funds through the net banking account between his/her own accounts within the bank or between third party accounts or outside the bank. The user can transfer these funds via the RTGS/ NEFT/IMPS mode offered by the bank upon adding the beneficiary. After adding the beneficiary, the said account will be activated in a set period of time (usually 30 minutes) following which transfer of funds can be effected subject to the transaction limit set by the bank. The process of transfer of funds from ICICI bank is highlighted here.

  • The user can begin the process of transfer of funds by logging in to their net banking portal and then click on the ‘Funds Transfer’ option which is under the ‘Payments & Transfer’ tab.
  • The user will be given a set of options on the next page and must select the relevant option as required by the user followed by clicking on ‘Transfer Now’.
  • The user will then have to fill in the details of the transferee account and the account to which the funds have to be transferred along with the amount to be transferred and the details of the date of transfer and transfer type and then click on ‘next’.
  • The user will then have to authentic the transfer via debit card and click on ‘Submit’
  • After the authentication of the transaction via an OTP, the transfer will be effected.

ICICI Net Banking Customer Care

The bank has many channels for the customers to contact the bank and resolve any of the queries or issues that they may face with regards to their net banking accounts or any other related service that they may require. The contact details of the bank are enlisted below.

  • Toll-free numbers – 1860 120 7777 (personal banking domestic number) +91 40 7140 3333 (personal banking number for domestic customers traveling abroad)

Alternate numbers for personal banking –

Delhi011 33667777
Mumbai022 33667777
Kolkata033 33667777
Chennai044 33667777

The customers can also call on the general number 1800 200 3344 between 9 am to 6 pm from Monday to Friday to register their complaints or grievances. The customers have to provide a service request number which is not more than 2 months old in order to process their grievance or complaint.

The customers can also post any general query on the link to their customer care portal and get prompt answers for the same.

What Are The Advantages of ICICI Net banking?

The advantages of ICICI NetBanking are as follows:

  • Easy To Use and Superior User Interface And Navigation: You can now find all account related information in one place and easily access all service requests. All payments and transfer options are present within the same menu.
  • Personalization and Customization: The new version provides a dashboard that can be customized. The dashboard has a drag and drop functionality. Users can set up homepage shortcuts for frequently used features. ICICI net banking users can also manage their own profile through the My profile section which is a new feature.
  • Clear and distinguished user experience by customer segment: The user experience is clear and can be differentiated for all customers with targeted features. For example, links are provided for privileged banking customers and investment insights are given for wealth management customers.
  • Transaction Process Is Simplified: Users can experience a safe and simplified transaction and do not need a separate transaction password. All the factors that are necessary for authentication are present on the same page, and this further downsizes the steps making the transaction process fast and simple.
  • High level of security: ICICI allows users to set their own limits for transactions and experience an additional level of security.

Disadvantages of ICICI Netbanking

The following are some of the disadvantages of ICICI Net banking

  • Internet Requirement: An undisturbed internet connection is essential for availing ICICI Bank Net Banking services. If the bank servers are down due to any technical issues, you cannot access the ICICI netbanking services.
  • Difficult for Beginners: There are people in India who are still not used to the internet. The world of internet banking may seem new to them. So, it may be difficult for them to understand the process flow of ICICI bank netbanking in the beginning.
  • Secure Password: The password to login to your ICICI internet banking account should be secure. If the password is divulged to others, they may use it for fraudulent purposes. Also, passwords will get hacked. So, users must change the password frequently to avoid password theft. Sometimes, the account holder may find it difficult to remember the password. These are all the hassles.

FAQs of ICICI Net Banking

1. What is the maximum limit on ICICI netbanking transactions?

The maximum limit on ICICI netbanking transactions is up to Rs. 5 Lakhs per transaction for IMPS (Rs. 50 Lakhs per month using iMobile Pay and Rs. 15 Lakhs per month via internet banking).

2. What is the outcome of three unsuccessful login attempts in ICICI Bank netbanking?

After three failed login attempts, the system blocks the user id for ICICI Bank netbanking automatically. The user ID and password can be enabled only by calling the 24 hour ICICI Bank customer care. After validating yourself, you can place your request for re-activating your user ID.

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