Take control of your finances with ICICI Bank Net Banking, a secure and comprehensive digital platform. This guide explains how to register, use key services, and understand transaction limits and charges in 2025.
1. What Is ICICI Net Banking?
ICICI Internet Banking (Retail) lets customers access over 350 services anytime—account summaries, fund transfers, bill payments, investments, credit card control, and more—securely from any device.
2. How to Register & Activate
- During account opening (online/offline): You’ll receive a User ID and temporary password via welcome kit. Visit the ICICI website → click New User / I want my Password → generate your login credentials using your registered mobile number and temporary password.
- If lost credentials: Use the same “I want my Password” feature or contact customer care to regenerate.
3. Login Process & Security
- Go to the login page → enter User ID and Password or login via QR code from your mobile app. Use CAPTCHA for added safety.
- After login, authorize via OTP, debit card PIN, or virtual keypad. The system supports two-factor 256‑bit SSL encryption for secure transactions.
4. Key Services & Dashboard Features
Access multiple services on a customizable dashboard, including:
- Account Overview: Balance, mini and detailed statements, CSV/PDF downloads
- Fund Transfers: NEFT, RTGS, IMPS, UPI, intra-bank transfers
- Card & Cheque Services: Request/revoke chequebooks, block or reset debit/credit card
- Bill Pay & Investments: BBPS billers, credit card bills, mutual funds, FD/RD, ASBA/IPO
- Service Requests: Update profile/KYC, manage alerts and loyalty points
- Chatbot Access: Use iPAL to check balance, credit card due, or bill payments via conversation.
5. Fund Transfer Limits, Charges & Timings
| Mode | Availability | Daily Limit | Charges (Outward) |
|---|---|---|---|
| IMPS | 24×7 (all days) | ₹5 lakh via net banking, ₹20 lakh via mobile | ₹15 + GST for ₹25k–₹5 lakh |
| NEFT | 24×7 (RBI-enabled) | ₹10 lakh–₹1 crore (based on customer type) | NIL via digital, ₹2.25+GST–₹24.75+GST via branch |
| RTGS (via net/digital) | 24×7 | ₹2 lakh (min) to ₹10 lakh/₹50 lakh (max) | NIL via digital |
6. Mobile App Integration
Use iMobile Pay (personal) or CIB/ Instabiz (corporate) apps linked with your net banking ID:
- View balances, respawn statements
- Use NEFT/IMPS/RTGS/UPI transfers
- Request cheque books, manage deposits, block cards
- Enjoy enhanced convenience and secure mobile access
7. Security & Custom Settings
- Advanced security with SSL, OTP, virtual keyboard, and auto-logouts.
- No email OTP by default—SMS only.
- Set custom transaction limits and enable features like Positive Pay for cheque security.
✅ Summary Table
| Step | Overview |
|---|---|
| Register | Temporary credentials → generate final login via mobile OTP |
| Login | User ID/password or QR code, complete OTP and secure access |
| Services | Fund transfers, statement downloads, card & bill manage |
| Mobile Access | iMobile Pay or CIB app—same ID as net banking |
| Security Features | SSL encryption, virtual keyboard, OTP verification, lock sessions |
