ICICI Net Banking: Comprehensive Information on ICICI Internet Banking
ICICI Net Banking is one of the trusted online banking platforms in India. With the ICICI Bank Internet banking, customers can carry out almost all their banking transactions from anywhere without stepping into the bank physically.
If you are an ICICI Net Banking customer, you will have access to different features that the bank offers just with a few clicks from your internet-enabled devices. In fact, ICICI Net Banking is actually a robust platform where customers can carry out over 350 services. Apart from the fact that customers don’t experience long queues and delays that associate with traditional banking, ICICI Net Banking offers a lot of other benefits. We shall be discussing the features and benefits that ICICI Net Banking offers. However, let me first take you through how you can register for ICICI Internet Banking.
How to Register for ICICI Net Banking
If you are an ICICI Bank customer, that is you have an account with the bank or you’re just an ICICI Credit Cardholder, you can register for ICICI Net Banking. If you are yet to open an account and you want to open one, the process to open an account with ICICI Bank is very simple. You can choose to open your bank account online from the bank website, or by visiting the bank branch that is closest to you with the Know Your Customer (KYC) documents. You can as well call the ICICI Bank Customer Care number. Someone will guide you on how to open your bank account. A staff of the bank can even come to you in person to get the Know Your Customer (KYC) documents from you to open the account. For your information, KYC documents include Identity Proof (Driving Licence, Valid Passport, Voter ID, PAN Card, Job Card by NREGA, Aadhaar letter card issued by Unique Identification Authority of India), and Address Proof (Property Tax Bill, and Utility Bills)
Please note that ICICI bank has various account variants such as ‘The ONE’ Savings Account, NPS Plus Savings Account, Regular Savings Account, Silver Savings Account, Gold Savings Account. Titanium Savings Account, Auto Assure Savings Account, Home Assure Savings Account, Investment & Tax Savings Account, Savings Family Banking, 3 in 1 Savings Account. Gold Plus Savings Account, HUF – Hindu Undivided Family, Salute Doctors Banking Solution, BizSavings, and Other Accounts.
Each of these Accounts has its own unique features. For instance, there is a minimum monthly balance you are supposed to leave in certain accounts ranging from ₹10,000 to ₹1,25,000. That is why it is better that you allow the bank agent to guide you before you open your bank account. But all the accounts enjoy free user-friendly online banking and mobile banking services.
Once you open your account, you can then log in to ICICI Net Banking. Logging in is very simple. All that you need to log in to the ICICI Net Banking facility are your User ID and password.
How Do You Get Your ICICI Bank Net Banking User ID?
There are two ways by which you can get your ICICI Net Banking User ID. These are discussed below:
- If you check the Welcome Kit the bank gave you when you opened your account, you will find your User ID and password there.
- Another way you can get the User ID and password is to visit the ICICI bank website and click Apply Online. Click Internet Banking under Online Banking Tab and then select “I want my User ID”. Three options will be displayed (Bank Account, Debit Card, and Credit Card). You need to choose one option and then enter the bank or card details. Enter your registered mobile phone number. Ensure that the mobile number you enter is the same as the mobile number you supplied at the point of opening your account.
In case you have not registered your mobile phone number, you will need to visit ICICI Bank ATM that is closest to you. Insert your Debit Card and enter your PIN. From the screen, select “More Options” and then select “Register Your Mobile”. Enter the mobile phone number that you want to register. Then expect your mobile number to be updated within 24 hours (if a working day). You can also register your mobile number by visiting your nearest ICICI Bank branch. Ensure that you carry your original photo ID proof along with you. This option may take like 48 hours for your mobile number to be updated.
Back to the steps that we are discussing how to get your ICICI Net Banking User ID through ATM. After entering your mobile number, click “Go” to continue. You will then need to provide the Grid card authentication. You will find the grid on the backside of your debit card. Enter the numbers in the space provided and then click “Go”. That is all! You will receive your User ID on your registered mobile phone number. You are warned not to share your User ID with anyone. You can then visit the ICICI Bank website to generate your password.
In case you forget your Customer ID, you can call the ICICI bank customer care number and authenticate yourself using your debit card number and PIN. ICICI bank customer care is available 24/7. Alternatively, you can give a missed call to 9223011114. It is important to note that no bank employees will ask for your password, card PIN, OTP, CVV, or card number.
How to Generate your ICICI Bank Net Banking Password
If you have registered your mobile number following the steps described above, you can generate your ICICI Net Banking Password by following these steps:
- Visit ICICI Bank website
- Click Apply Online
- Click “Internet Banking” under the Online Banking tab
- Select “I Want My Password”
- Select “Click here to Proceed”
- Enter your User ID and registered mobile number
- A Unique Reference Number/OTP will be sent to your registered mobile phone number.
- Then, enter the Unique Reference Number/OTP you received on your registered mobile phone number and click Go
- Enter your new password. Use a combination of letters (uppercase and lowercase) and special characters. A strong password will ensure that your account is secured against theft, hacks, and intruders. It is important that you don’t write down your password or share it with anyone. No matter how strong a password is, once it is exposed to another person, it is no longer secure.
- Re-enter the password to confirm and then click “Go”
- You will be notified that your password has been generated successfully.
How to Use ICICI Internet Banking to Keep A Check On Your Credit Card Activities
Do you know that if you have ICCI Bank Credit Card that you can actually use the ICICI Net Banking to keep a track of your credit card activities? If you want to do this, then follow the following steps:
- Visit ICICI Bank website https://www.icicibank.com
- Select login and then click “Get User ID” to generate your ICICI Net Banking User ID
- From the options displayed, select the Credit Card option.
- Enter your credit card number in the space provided.
- Enter your registered mobile phone number with the bank. Your registered mobile phone number is the number you registered when your account was created.
- Click “Go”
- Your User ID will be sent to your registered mobile phone number.
- Select the Generate Password Option
- Enter your User ID and then your registered mobile phone number
- Unique Reference Number/OTP for authentication will be sent to your registered mobile phone number
- Then, enter the Unique Reference Number/OTP you received on your registered mobile phone number and click Go
- Enter your new password. Use a combination of letters (uppercase and lowercase) and special characters. A strong password will ensure that your account is secured against theft, hacks, and intruders. It is important that you don’t write down your password or share it with anyone. No matter how strong a password is, once it is exposed to another person, it is no longer secure.
- Re-enter the password to confirm and then click “Go”
- You will be notified that your password has been generated successfully.
- Visit the Bank website homepage and click “Login”
- Enter your User ID, and then your password
- Click “Login”
- Your dashboard will be displayed.
- You can now check your credit card balance from anywhere with ICICI Net Banking.
Security Tips for ICICI Internet Banking
Internet banking is not with its attendant risks but the good thing is that the risks can be mitigated by following necessary security tips. In order to enjoy safe banking, the bank advises its customers of the following security tips:
- The bank recommends that internet banking should be assessed using a computer or laptop with a 500MHz processor or higher, 64 MB RAM or higher with an internet connection of 28.8 kbps or higher. The minimum operating system is Windows 98, NT, 2000, XP while customers can access the website with Microsoft Internet Explorer 5. XX and above, Netscape 7. XX and above. I want to believe that other browsers not mentioned here can equally work. Whatever browser you are using, it is important that you ascertain that the bank URL begins with “HTTPS”. “HTTPS” means that the Username and password you supply on the website will be encrypted before they are sent to the server. Another vital thing to watch out for is the padlock symbol that precedes the URL. You can verify the ICICI bank website’s security certificate by clicking on the padlock symbol.
- It is not safe to enter your login credentials or other sensitive personal information in any popup window.
- You should ensure that you install and update anti-virus on your system with up-to-date operating system patches.
- Ensure you install a personal firewall and anti-spyware on your computer/laptop to protect it from internet attacks.
- Use a very strong password. Avoid using your name, pet name, kid’s name, birthday, car plate number, wedding date, your employee number. Use a mix of capital and small letters, numbers, and special characters. However, your password should not be so complicated that you will need to write it down to remember.
- When you receive your password, it is important you log in immediately and create a new password. You also need to destroy the security layer that brought your password.
- Don’t type your password in the presence of another person or where CCTV can catch what you are typing.
- Ensure you change your internet banking passwords regularly.
- Scrutinize your credit card or bank account transactions regularly and report any authorized transactions to the bank.
- Report suspicious or fraudulent telephone calls, emails, and websites to the bank immediately. Don’t give out your personal credentials to anyone either through phone calls or emails. If you receive any offer that seems too good to be true, the offer may likely be a scam.
- Visit the bank website regularly to read the internet banking security tips.
Features of ICICI Internet Banking
Bank Accounts: With CICIs Net Banking, you can perform many banking transactions online without visiting the bank. You can add funds to your bank accounts from other banks by using UPI. You can view the balance details of all your ICICI bank accounts. You can track account details of all your ICICI bank accounts. Customers can easily view their mini and detailed statements. E-statements are available for bank accounts, Credit cards, Demat, and PPF. Access to reward points, UPI Pull Funds, and availability of the virtual debit card.
Service Requests: Customers can carry out many non-financial transactions via their ICICI Net Banking account. These service requests include the following:
- Account conversion from Resident to NRI requested earlier, not done
- Account upgrade
- Activation of Inactive/Dormant Account (NRI)
- Address change OCR
- Address Change requested earlier, not done
- ATM Card for Mandate (NRI)
- Block Debit/ATM Card
- Cheque Book Request
- Cheque Status Inquiry
- Debit Card PIN Generation
- FATCA/CRS Confirmation
- Increase/Decrease Debit Card Limit
- Link my ATM/Debit Card to Bank Account
- Link my Savings Account/Current Account to my User ID
- Local Cheque deposited in Bank Account but not credited
- Open additional SB NRE/NRO Account (NRI)
- Outstation cheque deposited in Bank Account but not credited
- Reissue of Lost ATM/Debit Card
- Request a Demand Draft at the Communication Address
- Request for change of Communication Address
- Request for Duplicate Statement (Physical Copy)
- Request for Family Banking
- Request for Re-dispatch of undelivered Card/Cheque Book
- Request for an upgrade to NRI PRO or NRI PREMIA (NRI)
- Request to update Company/Employer name in the Account
- Status of Fund Transfer through Internet Banking (NRI)
- Status on Address Change (NRI)
- Stop Payment of Cheque
- Subscribe to E-mail Statements for Bank Account
- Transfer Your Account to the nearest ICICI Bank branch/change home branch
- Transfer your Bank Account online (NRI)
- Update Form 60
- Update your Aadhaar number with Bank Account
- Upgrade your Debit Card
- Upgrade your Debit Card to Metro Card
- View/Update nominee details
- View/Update PAN Card
Bill Pay:
Customers can link their credit card to their internet banking account. The features under bill pay include BBPS Bill Payment, Bill Payment for other billers. The customer can add a new biller as well. You can pay Visa Credit Card Bill, Master Credit card, and American Express Cards from other banks. Customers can also pay any other bank credit card by using NEFT. Needless to say that ICICI Bank Credit Card payments can be made through ICICI Net Banking.
When it comes to auto-pay customers can make auto payments whether in full or by making just a minimum payment. ICICI Bank Internet Banking allows scheduled bill payment. Customers can also stop or modify scheduled bills. Customers can pay, view, modify and delete registered billers. A number of schools have been connected to ICICI Net Banking, therefore making it easy to pay education bills through the platform.
Chatbot
ICICI bank has iPAL Chatbot through which customers can request for account balance, credit card bill amount and due date, credit card bill pay, card last five transactions, recharge, and bill payment,
CIBIL
ICICI bank internet banking customers can download CIBIL Bureau Report, get offers based on CIBIL Reports and view CIBIL Reports.
Credit Cards
There are various credit card-related tasks that customers can carry out from their ICICI Net Banking Accounts. These include credit card upgrade, credit card alert subscription, credit card conversion to EMI, request for physical PIN, Insta Credit card, add-on credit card, credit card current statement, virtual credit card, CVV display, 3D secure unblock for credit card and debit card. Customers can also view call credit card details, view the last 30 days’ transactions, pay bills, manage credit card limits, and manage credit card usage.
There are other credit card related requests that you can make such as credit card PIN generation online, activation and deactivation of physical statement, request for e-mail update, request for address change, credit card statement request (physical), credit card statement related queries, reward points related queries, Emi-on-call facility related queries, merchant EMI related queries, block credit card. Customers can as well link their credit card account to their User ID, re-dispatch requests for an undelivered card, and apply for a credit card against their fixed deposit.
Dashboard
Once you login into your ICICI internet banking, you will be greeted with a personalized dashboard showing you your accounts, products, and other customized services and offers. Customers can easily see and contact their relationship manager. Therefore, you may not need to bother yourself about how to contact the ICICI customer care number. You can view your spending analysis and this can help you know where your money is going and to budget for future spendings. Customers can view recent transactions at a glance.
Demat
Your Demat is linked to your ICICI net banking account. Therefore, this makes it easy for you to view your holding statement, the status of transactions, settlement calendar E-instruction, Demat branches, and your last credit received. Customers can trade shares online, request for TIFD booklet, carry out ISIN lookup, set up auto-debit for Demat, maintain 3-in 1 Accounts, request for loan against security, and request for loan against the mutual fund.
Deposit
Deposit related transactions that customers can carry out in their ICICI internet banking account include the following:
- All Deposit Balance
- Credit Card against FD
- Deposit Account Details
- Deposit Advice
- Deposit List
- Deposit Statement
- FD UPI
- Open Domestic – Fixed Deposit with Lump sum and Monthly Annuity option (part of FD Xtra)
- Open Domestic Cumulative FD
- Open Domestic Fixed Deposit with Health Cover (part of FD Xtra)
- Open Domestic Fixed Deposit with Monthly Annuity option (part of FD Xtra)
- Open Domestic Traditional FD with quarterly payout
- Open FCNR Cumulative Plan
- Open FCNR-Trad. Plan-Hyrly-EUR
- Open FCNR-Trad. Plan-Hyrly-JPY
- Open FCNR-Trad. Plan-Hyrly-USD
- Open FCNR-Trad.Plan-Hyrl-MC
- Open Fixed Deposit for 7 days
- Open NRE Cumulative FD
- Open NRE Traditional FD with monthly interest payout
- Open NRE Traditional FD with quarterly interest payout
- Open NRO Cumulative 80C FD
- Open NRO Cumulative FD
- Open NRO FD Renewal of Balance Mode
- Open NRO traditional 80C FD with monthly interest payout
- Open NRO traditional 80C FD with quarterly interest payout
- Open NRO Traditional FD with monthly interest payout
- Open NRO Traditional FD with quarterly interest payout
- Open Recurring Deposit for 6 days
- Open Recurring Deposit with a Lump sum and Monthly Annuity option
- Open Recurring Deposit with Monthly Annuity option
- Open Recurring Deposits
- Open Recurring Deposits – NRE
- Open Recurring Deposits – NRO
- Open Short Term FD with Interest Credit on maturity – up to 185 days
- Open Short Term FD with Interest Renewal on maturity – up to 185 days
- Open Tax Saver Domestic – Cumulative FD
- Open Tax Saver Domestic – Traditional FD with monthly payout
- Open Tax Saver Domestic – Traditional FD with quarterly payout
- Open Traditional FD with monthly payout
- Over Draft against FD
Besides, customers can easily request the closure or renewal of existing fixed or recurring deposits. Also, customers can apply for a credit card against their fixed deposit. Term deposit can be easily renewed. Proceeds through INR DD or direct credit to a bank account can be credited to the customer’s account. Customers can request the repatriation from FCNR/NRE FD through wire transfer or DD. The same goes for the repatriation from NRE SB through DD. You can find the status of your request for fixed deposit closure.
Transfers
Customers can easily transfer funds between their ICICI Bank accounts. They can transfer money to a third party having accounts with ICICI Bank. They can transfer money to third parties in other banks using IMPD-IFSC, NEFT, or RTGS. Customers can transfer funds to any mobile phone number via IMPS using MMID. For customers who may want to transfer money to an overseas account, they can do this either through Money2World or Money2India. ICICI net banking customers can also transfer money to ICICI bank virtual account. Transfer can also be made from NRO/NRE Account. There is also an option to send Smart Money Order.
Customers can request, view, modify or delete scheduled transactions. Other viewing rights include registered payees, completed transactions, favourite transactions, and status of wire transactions.
Insurance
Customers have access to various types of insurance such as Atal Pension Yojana, Pradhan Mantri Suraksha Bima Yojana, Pradhan Mantri Jeevan Jyoti Bima Yojana, Life Insurance, Health Insurance, Home Content Insurance, Cancer Cover, Travel Insurance, and Wellness Plan. Customers can cancel their insurance plan online.
ICICI Lombard Health policy, ICICI Prudential Policy, ICICI Lombard motor policy, and ICICI Lombard Home policy can be linked to ICICI Net Banking.
Insurance
For people that are keen on making investments, ICICI provides a good platform as customers can apply for IPO and Right issues. Other available investment options include Online IPO, Invest@ease, Mutual Funds, and Sovereign Gold Bond. Customers have access to Consolidated Investment Summary and Online Pension Calculator.
Others
Other features include access to different types of loans, Paylater, Pockets, PPF. Customers can easily recharge their mobile numbers or shop online.