IDFC FIRST Bank: MobileBanking 4+
Savings, Payments, and Loans
IDFC Bank Ltd
-
- Free
iPhone Screenshots
Description
Welcome to IDFC FIRST Bank’s Mobile Banking App. Enjoy a fast and seamless online banking experience, with integrated banking services and exciting features.
Experience the joy of:
* One-Swipe Banking: Swipe to view your account balances and manage credit card/debit card details, deposits, investments, etc
* Instant Payments & Transfers: Make secure payments, UPI transfers, and bill payments
* Zero Fee Banking: Enjoy commonly used Savings Account services free of cost, including money transfers, cheque re-issuance, debit card issuance, and ATM withdrawals
* Tracking Expenses: View your savings and transactions across all your accounts and monitor cash flow with over 20 automatically categorized transaction types
* Auto-Sweep Current Accounts: BRAVO Current Accounts with Auto-Sweep to FD for higher interest rates
* Building Wealth: One screen view of your investment portfolio. Get curated investment recommendations based on your risk profile
* Investing for Life Goals: Create and make investments for your investment goals – wedding, education, or retirement
* Personalized Offers: Get exciting offers across dining, lifestyle, travel & more
* Instant Personal Loans: Avail pre-approved loan offers at attractive interest rates and flexible tenures
Smart App Features and Services
1. Secure Fund Transfers & Payments
* Free fund transfers to any bank account without adding beneficiary
* Easy bill payment and recharge – mobile recharge, DTH & utility bills
* 3-click digital bill payments
* Zero fee money transfer (मनी ट्रांसफर) to bank accounts through IMPS, NEFT, or RTGS
* Send money, pay utility & credit card bills, loan EMIs, buy/recharge FASTag, using UPI
* Link bank (बैंक) accounts & view your savings account (बचत खाता) balances with UPI
2. Investment, Mutual Funds & IPOs App:
Explore online investment services:
* Invest in Mutual Funds online with Instant SIP
* Invest in equity, debt, large-cap and multi-cap
* Save tax with ELSS mutual funds
* Invest in Unit Linked Insurance Plans (ULIP) and Online Sovereign Gold Bonds
3. Insurance App:
Buy health, bike & car insurance through our app
4. Tripstacc Benefits
* Convenient in-app flight and hotel booking experience on the IDFC FIRST Bank mobile app, powered by Tripstacc
* ZERO convenience fees on flight booking & earn 20 bonus points for every ₹100 spent on hotel bookings
5. Other Banking Services:
* Apply for debit card & cheque book via app completely free of charge
* Use smart filters to view transactions
* Manage credit card payments, download statements, and redeem credit card (क्रेडिट कार्ड) rewards
* Quick purchase and recharge of FASTag
* Zero fee on DD & Pay order issuance & 3rd party withdrawals
* No ECS return fee & decline fee at ATMs for low funds
* Get personalised offers across loans
* Contact us via chat, video call and call centre
Steps to Download App & Open a Digital Banking Account (बैंक खाता):
* Download the banking app & click on open savings account (सेविंग्स अकाउंट)
* Register your details & get user ID & password
* Log in via user ID and password or mobile number and MPIN
* Set up Face ID or finger scanner (biometric) for easy log-in
* SIM Binding feature for secure banking (बैंकिंग)
Personal Loan Features:
Loan amount: ₹20,000 to ₹40 lakhs
Personal Loan Tenure: 6 to 60 months
Annual Percentage Rate: 11% to 28%
Representative Example:
Loan amount: ₹1,00,000
Loan Tenure: 12 months
Interest Rate (reducing): 20%
EMI Amount: ₹9,264
Total Interest Payable: ₹11,168
Processing Fee (incl GST): ₹3,499
Disbursed Loan Amount: ₹96,501
Total Amount Payable: ₹1,11,168
Total cost of Loan (Interest + Processing Fee): ₹14,667
Disclosure:
By downloading the IDFC FIRST Bank Mobile App, you agree to our Terms & Conditions, as well as IDFC FIRST Bank’s privacy policy. To go through the T&Cs, please visit https://www.idfcfirstbank.com/terms-and-conditions
What’s New
Version 2.21
* Bug fixes and minor enhancements for a smoother banking experience for our customers
Ratings and Reviews
Add payee option doesn't work
The add payee option doesn't work in the app. The search IFSC option lags a lot and the app becomes unusable. Kindly fix this, and I'll consider updating my rating.
SIM Validation Mandatory
A poor judgement to have this on NRI accounts as well. If the integration of SIM was to be done for all account for security a better would have worked, you cannot expect NRI’s to send International SMS each time they have to register to the app? Why couldn’t you have local numbers for each location for the SMS, that wouldn’t impact the NRI’s and wouldn’t require for them to have international SMS services on the SIM. Real frustration and IDFC’s loss as I’ve requested to close the account. The key for me is technology and being able to manage my money on finger tips, rather to have online net banking initiated each time to check for balance!
I was happy with IDFC until they’ve decided to make it a complicated process within the new world of technology driven society.
Developer Response ,
We are keen to help you! It’d be great if you could call us at 1800-10-888 & select option 6 or mail us at customer.service@idfcfirstbank.com for us to assist you better. Thank you!
SIM binding
Your decision to use mandatory SIM binding can be an inconvenience to several users who don’t have a sim attached to their phone or have a different sim on the phone. This is specially the case with NRI customers who juggle multiple sims. I don’t use a SIM card on my phone with all the banking apps, just for added security against sim hacks.
I appreciate the effort to offer security, but it should not be at an inconvenience to the user. Of the 14 banking apps I use globally yours is the only one with SIM binding. You should roll back this feature and make it optional.
Your app already has a poor rating. Features like this make me rethink about even having an account with you and eventually you will loose customers
Developer Response ,
We are keen to help you! It’d be great if you could call us at 1860-258-2000 & select option 6 or mail us at customer.service@idfcfirstbank.com for us to assist you better. Thank you!
App Privacy
The developer, IDFC Bank Ltd, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.
Data Used to Track You
The following data may be used to track you across apps and websites owned by other companies:
- Usage Data
Data Linked to You
The following data may be collected and linked to your identity:
- Financial Info
- Location
- Contact Info
- User Content
- Search History
- Identifiers
- Usage Data
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
- Usage Data
- Diagnostics
Privacy practices may vary based on, for example, the features you use or your age. Learn More
Information
- Provider
- IDFC Bank Limited
- Size
- 165.5 MB
- Category
- Finance
- Compatibility
-
- iPhone
- Requires iOS 13.4 or later.
- iPod touch
- Requires iOS 13.4 or later.
- Languages
-
English
- Age Rating
- 4+
- Copyright
- © IDFC FIRST Bank Limited
- Price
- Free