Interested in financial products


ICICI (Industrial Credit and Investment Corporation of India) is one of the top private sector banks in India. Not just in India, but ICICI bank also has a sizable presence overseas. It’s one of the top four banks in India and has millions of customers across the country. The bank has many products and services like insurance, credit, loans, deposits, savings schemes, NRI banking, internet and mobile banking among others for its retail and the corporate customers all over the world.

ICICI Pockets is the e-wallet of the bank powered by VISA. This wallet functions like any other e-wallet in the market but has many additional features that give it an edge over its competition. The details of the ICICI Pockets like registration process, features, usage and more are mentioned in this article.

What is ICICI Pockets?

ICICI customers get the benefit of ICICI Pockets which is the e-wallet powered by Visa. Customers of other banks can also get the benefit of ICICI pockets application and can add funds through their debit cards, credit cards or even net banking accounts. Customers can get many benefits like ease of funds transfer, payment of utility bills, and ease of shopping through online or offline modes as well as a physical card upon request.

How to register and login to ICICI Pockets?

ICICI Pockets as mentioned above is the e-wallet of the bank that can be used like any e-wallet for funds transfer, shopping, paying bills and more. Existing customers also have the added benefit of linking their ICICI Bank Account to the wallet and use their net banking User id and password to login to their ICICI Pockets account. For other customers, the registration and login process is a bit different.

The registration as well as login process of ICICI Pockets is detailed below.

  • First step is to download the application from the Google Playstore of the Apple Store.
  • Next, the customer will have to search for ICICI Bank
  • After registering for the same, the customer will be asked to give certain permissions to proceed.
  • Post providing such permissions by way of giving the answers to required questions, the customer will be able to see the application page
  • Next step is to click on ‘Register now’
  • The user will be asked to submit the details of the debit card number followed b y the corresponding or associated PIN.
  • The customer will then have to set a four digit password for the related debit card to be used for ICICI Pockets
  • In case of joint accounts, the user will be asked to enter the internet banking id as well.
  • After successfully logging in to the ICICI Pockets account, the user can use this e-wallet for various transactions conveniently.

Salient Features of ICICI Pockets

ICICI Pockets provides the users with the benefit of a virtual wallet that can be used by the customers for making payments, shopping, paying utilities and more. The details of the features of ICICI Pockets that make it an attractive option for the customers are mentioned below.

Funds transfer

ICICI Pockets App can be used to make quick and hassle free funds transfer to anyone at any time and from anywhere. Customers have the benefit of transferring funds to their own accounts or the accounts of their family friends, etc. instantly without paying any additional charges for the same.


This e-wallet can be used to recharge the mobile plans of the customers. Customers can recharge their prepaid plans as well as make payments for their postpaid bills.

Making NFC payments 

ICICI pockets is the first app that uses the NFC (Near Field Communication) technology to make payments at the point of sale or at the merchant’s end. Customers need to wave their Smartphone at the NFC enabled merchant terminals to make the payments. The technology used to complete the payments is the Host Card Emulation (HCE) technology.

Paying utility bills

Like any other e-wallet, ICICI pockets can also be used to make utility payments like paying the electricity bills, gas bills as well as water bills. Customers can also set up auto payments in case of consistent bills or payment reminders for the same as per their needs.


ICICI Pockets can be used to make payments for online shopping as well as by making payments at the point of sale. Customers get the added benefit of requesting a physical card that is powered by VISA and can use the same for their shopping experience.

Benefit of Physical card

As mentioned above, customers get the added benefit of getting a physical card upon request along with their virtual wallet of ICICI pockets. The physical card can be used like any other debit or credit card as the case may be by putting in the CVV number at the point of sale or at online e-commerce websites.

mVisa/ Touch and Pay option

Customers also get the option to make payments through the use of mVisa or touch & pay option on Pockets. This enables them to pay instantly from their mobile at the respective shops.

Cashbacks and discount offers

ICICI Bank customers get many attractive cashbacks and discount offers from partner merchants as well as e-commerce websites that make it a very lucrative option for the customers.

Customer support

ICICI provides dedicated customer support to the customers for any query of issue that they may face in operations so cash back or any other grievance that they may have regarding the functioning of the app. The customer support is available 24x7 throughout the year for the benefit of the customers.

Other benefits

Other benefits that the customers receive through ICICI Pockets are,

  • Ease of travel bookings with attractive offers
  • Movie ticket bookings
  • Get attractive vouchers and gifts
  • Benefit of splitting expenditure with family or friends
  • Getting summary of the last 10 transactions 
  • Summary of all the products and services of the bank
  • Checking the account balance
  • Requesting an upgraded debit card
  • Applying for fixed deposits or recurring deposits
  • Applying for e-statement 
  • Applying for stop cheque instantly

How to send and receive money via ICICI Pockets?

The payment process through ICICI Pockets is very simple and secure. The details of the same are mentioned below.

  • How to make a payment?
    • First step is to open the Pockets app and log in to the customer’s account using the credentials.
    • Next, the customer will have to tap on the 'UPI' option and then select 'Send Money using VPA (UPI)'.
    • The customer will have to enter the details of the amount and remarks. 
    • If the customer maintains multiple accounts or virtual payment addresses, they will first have to select the VPA that will be used to debit the payment and then select 'Submit'.
    • Finally after confirming the details by selecting the ‘Confirm’ option, the request to transfer the funds is initiated.
  • How to accept payment requests? 
    • When the customer has to receive payment or transfer of funds they will be notified on their phone.
    • The customer will have to login to the app and then tap on the 'UPI' section.
    • Under this UPI section they will tap on ‘Respond to Collect Request’.
    • The customer will have to first ensure that the request for collection by the merchant/person is initiated correctly before accepting it and then choose the VPA from which the customer has to make the payment.
    • If the customer has opted for the ICICI bank account, the account will be debited by clicking on the 'Confirm' icon.
    • If any other bank account has been selected the customer will be asked to enter the bank account's UPI PIN.
    • Such MPIN is that which is created in Pockets at the time of registration. 
    • Upon submitting and verification of details, the funds will be instantly transferred to the recipient.

FAQs on ICICI Pockets

1. What are the charges for ICICI Pockets app?

There are no charges for the ICICI pockets app. It is available for free at the Playstore.

2. Can a person use the old as well as the new debit card along with the ICICI Pocket application?

No. The customer can use only one debit card along with the ICICI Pocket application. The older debit if subscribed to the application has to be unsubscribed to use the new or upgraded debit card.

3. Can the person pay utility bills through the ICICI Pockets app?

Yes. A person can pay various utility bills like electricity bills, water bills and gas bills through their ICICI Pockets app.

4. Can a person add funds to the ICICI Pockets app through any other bank’s net banking on debit or credit card?

Yes. ICICI Pockets provides the customers the option to add funds through the other bank’s debit or credit cards as well as internet banking option of any other bank. Customers will have to add the required option and then proceed to add funds to their ICICI e-wallet.

5. What is the process to reset the 4 digit password for the application?

The customer can reset the password to the ICICI Pockets app by clicking on the Forgot Password option and authenticating the same by providing the details of the customer’s debit card.

×Thank you! Your comment will be reviewed and posted shortly.

CreditMantri will never ask you to make a payment anywhere outside the secure CreditMantri website. DO NOT make payment to any other bank account or wallet or divulge your bank/card details to fraudsters and imposters claiming to be operating on our behalf. We do not sell any loans on our own and do not charge any fee from our customers/viewers for the purpose of loan application