Welcome to our support center

How can we help you?

UPI

How long does it take for the money to get credited into the beneficiary account?

Link

For successful UPI transactions, funds get credited into the beneficiary's account instantaneously.

My UPI transaction has been failed. How has my bank account been debited?

Link

In case of failed transactions, the money (if debited) will be credited to your account instantly. In case of timed out transactions, amount will be settled to the beneficiary account or debit account within two working days.


To know the Customer Care numbers, please click here.

What is the Unified Payment Interface (UPI) transaction limit?

Link

For ICICI Bank, account limits will be decided as per the bank’s policy. Bank may change the transaction limits for UPI under National Payments Corporation of India (NPCI) upper limits as per the bank’s policy. The upper limit mandated by NPCI is Rs 1 lakh per transaction and Rs 1 lakh cumulative transaction value. A maximum of 10 transactions can be initiated in 24 hours from the first transaction.

Are there any charges for transactions done using UPI?

Link

Currently there are no charges for transactions done through UPI. There may be revisions on charges from time to time.

What is UPI?

Link

Unified Payment Interface (UPI) enables all bank account holders (of banks participating in UPI) to send and receive money from their smartphones with a single identifier (the virtual payment address) without entering any additional bank account information. UPI can also be used to pay merchants who accept UPI as a payment mode.

For more details regarding UPI, please click here

Why is my UPI transaction failing?

Link

There are various reasons for a UPI transaction faliure:

  1. The system would be down
  2. Wrong UPI PIN
  3. Incorrect beneficiary UPI ID
  4. If the receiver is not on Bharat Interface for Money

My send money transaction is failing. Please help!

Link

To avoid transaction failures -

  1. Ensure that the UPI PIN is entered correctly
  2. If the receiver is not on Bharat Interface for Money choose to pay via IFSC instead of mobile number

If I have any issue with UPI transactions, how can I raise a complaint?

Link

You have the option to either call us or raise a complaint within the mobile application itself. In Pockets, you can navigate to "UPI Related Query" in the "UPI" section and raise a query. In iMobile, you can navigate to "Contact Us" and click on "Register a complaint regarding UPI". Please give us the following details to enable us to assist you faster:
Transaction ID
Your virtual payment address
Beneficiary virtual payment address (in case of pay) or remitter virtual payment address (in case of collect)
Date and Time of transaction

How can I transfer money using a VPA?

Link

In iMobile

  1. Login to iMobile and click on UPI.
  2. Click on UPI and then choose "Pay with Virtual Payment Address"
  3. Enter the details of the beneficiary VPA, amount and remarks. If you have multiple accounts/virtual payment addresses, you can choose the VPA you would like to debit. Click on Submit
  4. Please review the next screen carefully to ensure you have filled all details correctly.
  5. Grid card details is not required if customer is transact up to amount INR 25,000.

In Pockets

  1. Login to Pockets mobile application and click on UPI.
  2. Click on "Send Money using VPA (UPI)".
  3. Fill out the details on the screen such as beneficiary VPA, amount and remarks. If you have multiple accounts/virtual payment addresses, you can choose the VPA you would like to debit. Click on Submit.
  4. Please review the next screen carefully to ensure you have filled all details correctly.

What is the advantage of UPI Funds transfer over other fund transfer mechanisms?

Link

The service is instant and available 24X7, even on public/bank holidays. Customers can transfer funds in simple steps by providing the virtual payment address of the beneficiary. Also, there is no pre - registration required for the beneficiary.

When does the refund happens in case of a failed UPI transaction?

Link

If the transaction is failed/ void / timed out/ decline,request you to check after Transaction+2 working days the amount would be credited to beneficiary account or refunded in your account.

In case the amount does not get credited to the Beneficiary account within Transaction+2 working days nor there is any refund in your account then, we request you to call our Customer Care between 7:00 a.m. and 9:00 p.m. from your registered mobile number. 

To know the Customer Care numbers, please click here

Alternatively, you may write to us at customer.care@icicibank.com for further assistance.

How are you getting all my bank a/c information?

Link

This is a feature of the UPI payment platform (built by NPCI- an RBI regulated entity). The UPI platform retrieves the accounts details linked with your mobile number in a masked manner i.e. Bharat Interface for Money can't see all the details. This exchange is done over secure banking networks and we don't store or ever use it.

I have 2 accounts with ICICI Bank, do I need separate virtual payment addresses for each of these accounts?

Link

You have the choice of either linking both accounts to a single VPA. In this scenario, please ensure you appropriately tag which account you would like to use as the default account to debit and which account you would like to use as the default account to credit. Alternatively, you can assign a separate VPA for each account.

Are there any charges for using Bharat Interface for Money?

Link

There are no charges for making a transaction through Bharat Interface for Money.

Note - Your bank might however levy a nominal charge as UPI or IMPS transfer fee. Please check with your bank for more details.

What is an UPI PIN?

Link

UPI PIN (UPI Personal Identification Number) is a 4-6 digit secret code you create/set during first time registration with this App.You have to enter this UPI PIN to authorise all bank transactions. If you have already set up an UPI PIN with other UPI Apps you can use the same on Bharat Interface for Money.

Note - Banks issued MPIN is different from the UPI PIN. Please generate a new UPI-PIN in the Bharat Interface for Money app.

Important - Please do not share your UPI PIN with anyone. Bharat Interface for Money does not store or read your UPI PIN details and your bank's customer support will never ask for it.

What if I lose my phone?

Link

If you lose your phone, the UPI PIN required to authorise all transactions will not be known to a third person and hence they will not be able to use Bharat Interface for Money. In addition, please contact our customer support at your bank.

What are the timings for initiating and receiving UPI transactions?

Link

UPI services are available 24 hours of the day, all days of the week, throughout the year. There are no holiday restrictions on UPI transactions.

How can I generate a VPA?

Link

If you are an ICICI Bank customer, you can either download iMobile or Pockets. You can assign a VPA to your ICICI Bank account in the "UPI" section of iMobile or the "UPI" section in Pockets.

If you are a Non ICICI Bank customer, download Pockets, register yourself and navigate to the UPI section. Under the UPI Section, navigate to "Add My Bank Accounts". Here, you can choose a VPA and then link bank accounts that you hold with other banks.

What is Bharat Interface for Money?

Link

Bharat Interface for Money is an app that lets you make quick and easy payment transactions using UPI. You will not have to fill-out tedious bank account details. You can easily make direct bank to bank payments and instantly collect money using just the Mobile number or the Payment Address.

How do I set my UPI-PIN with the bank directly?

Link

You will be able to set your UPI PIN through any other UPI enable Bank app.

How will I know if my UPI transaction is successful?

Link

For any transaction, you will see a status instantly on your screen. If for some reason the transaction is delayed or pending, the result will be posted on your Transaction History page along with a UTR# or bank reference number. In addition, you will receive an SMS from your bank.

If the UPI transaction is not completed will I get my money back? When?

Link
If the transaction  is failed/ void / timed out/ decline,request you to check after transaction +2 working days the amount would be credited to beneficiary account or refunded in your account.

In case the amount does not get credited to the Beneficiary account within transaction +2 working days or there is no refund in your account then, call our Customer Care between 7:00 a.m. and 9:00 p.m. from your registered mobile number.
To know the local Customer Care numbers, please click here.

Or write to us at customer.care@icicibank.com with your savings account number, date of transaction, amount of transaction and any other details regarding the transaction that you may have from your registered email id for further assistance.

Can I transfer money abroad using UPI?

Link

You cannot transfer money abroad using UPI.

I have paid for my transaction but not received anything. Why is that?

Link

Once you complete a transaction, you should see a success status on the Bharat Interface for Money screen and receive an SMS from your bank. In some cases due to operator issues it can take a longer time. In case you have not received your confirmation within an hour please contact the Customer Care team of your bank or you can lodge complaint from the BHIM App itself by using 'Report the issue' option that is available for a failed transaction.

What if I change my handset?

Link

If you change your handset, you will need to:

  1. Download the Bharat Interface for Money app again
  2. Login with your mobile number and password
  3. Allow Bharat Interface for Money to verify you for security. After verification your account will be restored.

What is a Virtual Payment Address (VPA)?

Link

"Virtual Payment Address" is an identifier (that takes a form of abc@icici wherein "abc" is a unique name that you can choose for yourself) that can be uniquely mapped to an individual account using a translation service. UPI services of ICICI Bank offers customers the option to create any number of virtual addresses so that they can use the virtual address for making and receiving payments.

Can I send money to a friend not registered on Bharat Interface for Money?

Link

Yes. Payment can be made via IFSC/ Account number or MMID/ Mobile number, if the person is not registered on Bharat Interface for Money.

Can I use UPI on Pockets app?

Link

Yes. One can use UPI to send and receive money via pockets

When sending money using UPI, how do I come to know that my account is debited and the money has been credited in the beneficiary's account?

Link

You will get an SMS on your registered mobile number on successful completion of the UPI transaction.

Will you ever auto-deduct payments from my account?

Link

We will not auto deduct payments from your account.