ICICI Net Banking – Features, Services, Registration

In recent times, ICICI has upgraded its online banking web portal. As a result of this, several customer-friendly upgrades have been made. This, in a way, has accentuated the usability of its website. Few of the prime features which you can find on the website of the ICICI bank are as follows:

a) Improved Personalisation and Customisation

In the new and improved website of the ICICI, there is a customizable dashboard. This dashboard comes with an easy drag & drop feature. So, the ICICI A/C holders can simply log onto their online internet banking account and add the shortcuts, as per their convenience. Further, the profile can also be personalized by editing under the ’My profile’ section.

b) Better User Navigation and Interface

The new interface of the website for the ICICI net banking has been crafted in a manner that it allows easy access to the user for all the information related to the account. The complete information can be seen in an easy to see and understand layout on the home page itself. Moreover, the ICICI bank customers can perform the transactions relating to the ICICI bank debit card using the same page. Moreover, the service requests can also be made via this page by the customers.

c) Personalised Data for Distinct Segments of the Users

The ICICI bank has accumulated the content that has been designed for varied segments of the customers. This definitely improves the banking experience for the customers.

For instance, if you are a customer under privilege banking you’ll get mostly the privilege links. On the other hand, if you are a wealth management customer, you’ll mostly get the investment related links.

d) Enhanced Security

In the case of the banking transactions, the most important factor is the security. Keeping this in view, ICICI bank allows the customers to fix up an upper cap on their transactions. This is an improved level of assuring security to the transactions.

e) Simpler Process of Transactions

Now, the process of making an online transaction is easier than it used to be all because of the easy and secure transaction process of the ICICI bank. Now, you do not have to provide for distinct passwords for the different transactions. In order to fasten and simplify the complete process of making an online transaction, all the steps that are involved in the authentication of the transaction can be found on one page only.

Also Read: ICICI Bank Mobile Banking

The registration process of the ICICI net banking is simple and quick. For the purpose of online banking, you’ll need a User ID. The User ID will be given to you when you open a savings or current account with the ICICI bank. In any case, the user ID is not provided to you, you can send an online request for the registration of online banking. This request can be made either by visiting the nearest branch of the ICICI bank or via phone banking. To avail the User ID for ICICI net banking, you’ll have to enter the account details. Once done, the bank’s representative will help you with the complete process of getting the User ID for your internet banking.

The ICICI net banking helps you perform a wide range of functions seamlessly. Few of the functions and services are listed below:

1) Fund Transfers

With the ICICI net banking, you have a secure and an easy platform to transfer money.

• You can transfer money not just to the ICICI bank account holders but also to the account holders of different banks.
• With the IMPS feature of the bank, you can transfer the funds instantly irrespective of the time of the month or the day of the week.
• ICICI bank also allows you to send money abroad. However, to send money abroad, you’ll have to provide certain documents of the recipient.
• You can also avail money from the holders of ICICI Bank, as well as the account holders of different banks using the ICICI net banking feature.
• Using the GiveIndia service of the ICICI net banking, you can easily donate the funds from your bank account across the country.
• You can even send money in the form of money orders to your beneficiaries anywhere in India.

2) Bill Payments

• ICICI net banking also allows you to make bill payments. You can now make the bill payments timely by registering all your regular billers on the website.
• In case you do not want to register the billers, you can still pay the bills using the Quick Pay.
• If you want to make travel bookings, do your mobile recharges, do a DTH recharge or buy movie tickets, you can do that using the quick shopping feature of the ICICI net banking.
• Using the ICICI net banking, you can also pay your bills of your credit card(s) or make the loan repayments that you have taken from the ICICI bank.
• Make payments or transfer the funds to any card (usually the Visa Card) that has been issued in India.

3) Insurance and Investments

• Using the iWish RD, you can save as and when desired by you.
• Further, you can make a choice from the different insurance policies provided by the ICICI bank, and you can choose and apply these policies using the bank’s net banking
• Using the ICICI net banking website, you can gather knowledge of the trading market.
• You can also trade shares via the ICICI net banking.
• ICICI net banking also has an Online Calculator for pensions. This calculator can be used to get an idea of the savings that you have to collect to live a comfortable life after your retirement.
• To get Forex, you no longer have to go to the branch of the bank. You can easily make a purchase of Forex using the ICICI net banking. The bought Forex will be delivered right at your doorstep.
• Your tax payments are not a headache now as you can pay your tax easily online via the ICICI net banking
• The concept of Mutual funds is also extremely prominent these days. You can also make an investment in the mutual funds via the ICICI net banking
• Gold can also be purchased online via the ICICI net banking
• ICICI net banking gives you three benefits for one, i.e., transactions related to Demat, saving and trading all using only one account.

Additional Services:

• You can get the best offers, discounts, and deals using the Online offers provided by the bank.
• Management of expenses can get a little tricky sometimes. You can now easily manage the expenses via the ‘My Money’ tab of the ICICI net banking. It is an easy expense manager which is present in the online banking account.
• As part of the ‘My Saving Rewards’ section of your ICICI net banking, you can get a benefit of the Payback points, whenever you use the Internet banking feature to action your transactions.
• ICICI Internet banking also offers a facility of e-locker, which is an online service of storage. Using this facility, you can store all your necessary documents for future access or reference.
• Edgy about shopping online? Worry not! Using the ICICI net banking, you can now solve all the queries that you have in relation to the online shopping. Use it to the fullest, to avail the necessary benefits that it provides.
• If you do not have access to the laptop, you can also make use of ICICI net banking via your smartphone. This can be done by accessing the website of the bank on your phone’s browser or by downloading the bank’s app via play store.

Q. I haven’t received my ICICI net banking User ID and Password, or I cannot recall my User ID and Password? What do I do?

If you have forgotten your net banking Password or User ID, or if you haven’t received it from the bank, you can immediately get in touch with the bank’s customer care executives via its Toll Free number and request them for the same. When you speak to the representative from the bank, you’ll be asked certain questions to authenticate that you are the actual account holder. Post confirming the details, the customer care executive shall provide User ID and link to reset the password. On the other hand, the bank can also send you the new password via a courier to the registered

Q. Can there by just one password for net banking?

There will always be a single password provided to you to access your ICICI net banking

Q. What are some of the transactions that you can perform using the website for ICICI net banking?

Using the ICICI net banking, you can perform a range of transactions that include:

Banking: Under banking, you can:

1. View your past transaction history
2. Transfer funds
3. Do a balance inquiry
4. Open a Fixed Deposit
5. Open a Recurring Deposit
6. Open a Savings Account
7. Download your account statement

Credit Card: You can also file an application for getting a credit card using the ICICI net banking. In case you have a credit card, you can view the statement for your card.

Bill Payments: Using the ICICI net banking, you can pay a number of utility bills online.

Demat: The ICICI net banking website also allows you to view your holding and Demat statements.

Q. Is there a provision for subscription of alerts related to your ICICI bank account?

Yes, using the ICICI net banking, you can also apply for various alerts related to your bank account. If you have these alerts activated, you will be notified every time:

• Your account is credited
• Your account is debited
• Your Cheque is bounced, etc

Q. Is it possible for me to make requests related to banking using the ICICI net banking account?

There are various requests related to banking that can be made by you using the ICICI net banking website. These include:

• Filing an application for a new debit card
• Requesting for a new cheque book
• Applying for service of phone banking
• Opening a Fixed Deposit
• Opening a Recurring Deposit
• Intimating the bank in case you lose your ATM card
• Making a request for stopping a cheque
• Enquiring about the status of the cheque.

Q. How can I keep a check on the payments that have been from my ICICI bank account?

Using the ICICI net banking, you can keep a check on all the payments that have been made from your bank account. You just need to sign in to your ICICI net banking account by entering your login ID and Password, and there you can see the complete list of payments that have been made from your account.