ICICI Net Banking in India, How to Activate & Use Benefits

The ICICI Expand of (Industrial Credit and Investment Corporation of India ) bank is one of the leading private sector banks in India with consolidated total assets standing at Rs.12.5 trillion as of 30 June 2021. It offers a wide range of financial products services to retail as well as corporate customers through a variety of delivery channels. One such channel is internet banking, the fastest and most convenient way to access the bank’s services. In addition, the bank offers a dedicated login page for its NRI customers.

Founder	Industrial Credit and Investment Corporation of India(ICICI)
CEO	Sandeep Bakhshi
Headquarters	Mumbai
Customer service	1860 120 7777
Founded	June 1994

1. How do I register for ICICI netbanking services?

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 the ‘Login’ button seen next to the text ‘Personal Banking’.

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

Step 4: A new screen appears where you have to click the ‘Click Here to Proceed’ button.

Step 5: Enter the bank account number and the mobile number registered with the account before clicking ‘Go’ as shown in the image below.

Step 6: The system will generate a user ID for your account and display on the screen.

Step 7: Now, visit the login page again and click ‘Generate Password’.

Step 8: In the next screen, click the button labelled ‘Click Here to Proceed’.

Step 9: Enter the user ID and click ‘Go’.

Step 10: Enter the mobile number registered with the account to receive the OTP.

Step 11: Enter the OTP received so that the system will generate a password for you to access the internet banking services.

2. How to login to ICICI netbanking portal?

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: Enter the user ID and password.

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

3. How to check my account balance on ICICI netbanking portal?

In order to check the account balance online, you must register for the netbanking services and login to your account with the user ID and password on the netbanking portal. Upon logging in, you can check the account balance on the dashboard. The account balance for all the accounts registered with the netbanking portal will be displayed on the dashboard. In addition, you can check the recent transactions and download the account statement as well.

4. How to transfer funds via ICICI netbanking?

Step 1: Log in to your internet banking account on the ICICI netbanking portal.

Step 2: Select the ‘Funds Transfer’ option under the ‘Payments & Transfer’ tab.

Step 3: Choose the relevant option under the various transfer types listed and click the ‘Transfer Now’ button.

Step 4: Select the account from which you wish to transfer money and the beneficiary account to which you wish to transfer money.

Step 5: Enter the details such as the amount to be transferred, the date of the transaction, and the payment type such as NEFT, RTGS, and IMPS.

Step 6: Click the ‘Next’ button.

Step 7: A screen with all the transaction details will appear for verification.Upon verifying, click the ‘Submit’ button to complete the transaction.

5. Transaction limits

Transaction Type	Minimum Transaction Amount	Maximum Transaction Amount
IMPS (IFSC and Account Number)	Rs.1	Rs.2,00,000
IMPS (MMID and Mobile Number)	Rs.1	Rs.10,000
RTGS	Rs.2,00,000	Rs.10,00,000
NEFT	Rs.1	Rs.10,00,000

6. Charges applicable

Transaction Amount	IMPS	NEFT	RTGS
<Rs.10,000	Rs.5 + GST	Rs.2.5 + GST	Not Applicable
Rs.10,000-Rs.1,00,000	Rs.5 + GST	Rs.5 + GST	Not Applicable
Rs.1,00,000-Rs.2,00,000	Rs.15 + GST	Rs.15 + GST	Not Applicable
Rs.2,00,000-Rs.5,00,000	Not Applicable	Rs.25 + GST	Rs.25 + GST
Rs.5,00,000-Rs.10,00,000	Not Applicable	Rs.25 + GST	Rs.50 + GST

7. How to reset the password of ICICI netbanking account?

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

Step 2: Click on the ‘Get Password’ option.

Step 3: Enter the user ID and click on the ‘Go’ option.

Step 4: Enter the mobile number linked with the account so that you can receive the OTP and click on the ‘Go’ option.

Step 5: Enter the OTP received on your registered mobile number in the Unique Number Box and click on the ‘Go’ option.

Step 6: Now, create a new password as per the guidelines and re-enter the new password for confirmation. Click on the ‘Go’ option.

Step 7: A success message will be displayed on the screen stating that your password has been changed.

8. ICICI Credit Card Bill Payment

ICICI Bank customers can easily pay their credit card bills on the net banking portal. However, the credit card must be linked with their net banking account. The step-by-step procedure to pay the credit card bill is mentioned below:

• Login to your net banking portal.
• Click on the ‘Manage Biller’ option which can be found under the ‘Payment & Transfer’ tab.
• In case the card has not been registered, you can register the card by clicking on ‘Register Now’.
• Once the card is registered, you can select the card and make the bill payment.

You will also be able to pay the credit card bill without the registration process. The process to pay the bill without completing the registration process is mentioned below:

• You must log in to the net banking portal.
• Under the ‘Payment & Transfer’ section, click on ‘Quick Pay’.
• On the next page, you will be able to add the credit card details and make the payment.

9. Investments & Insurance

• With the iWish Recurring Deposit, you have the freedom of saving when you want.
• Choose from a variety of ICICI Insurance policies which are available and can be applied for on ICICI’s online banking website itself.
• Trade shares online and gain insights into the trading market via ICICI’s online banking website.
• With the Online Pension Calculator, you can easily calculate the savings which you need to accumulate in order to live comfortable post-retirement.
• You needn’t visit the bank to get forex anymore. Purchase forex easily via online banking and have it delivered to your doorstep.
• Tax payments can be a headache. Simplify tax payments with ICICI internet banking website which allows you to make tax payments online.
• Mutual funds are all the rage in the investment universe at the moment. Take advantage of the trend and invest in mutual funds via ICICI’s online banking website.
• You an now purchase Gold via ICICI’s online banking website.
• Enjoy 3-in-1 benefits of saving, trading and demat with a single account.

10. Services Offered Under ICICI Internet Banking

ICICI online banking allows you to perform variety of functions with ease. Some of the transactions which you can make using ICICI online banking are as follows:

Fund Transfers

• ICICI online banking provides you an easy and secure channel to transfer funds, not only to other ICICI Savings Account but also to non-ICICI bank accounts.
• Transfer funds instantly, 24 hours a day, all 7 days of the week with IMPS.
• You can even transfer funds abroad by providing required documentation of the receiver.
• You can receive money from non-ICICI Bank accounts to your ICICI Bank account via online banking.
• You can send money orders to beneficiaries located across India.
• Donate funds online to underprivileged citizens by donating via GiveIndia.

Bill Payments

• Always make bill payments on time by registering your frequent billers.
• With Quick Pay, you can also pay bills quickly without registering your billers.
• Quick Shopping is your one stop shop for movie tickets, making travel bookings, DTH or mobile recharge.
• Make outstanding ICICI loan payments and credit card bills from your online banking account
• Transfer funds or make payments to any Visa Card issued in India.