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Pockets

Can I access my ICICI Bank FASTag Account through any application?

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Currently FASTag Account can be accessed through ICICI Bank Pockets application.

 

For new Pockets users:


Go to Google Play Store and download the Pockets application. During Pockets app account authentication, use the same mobile number registered for FASTag for a seamless experience. After authentication and setting the PIN, log in to Pockets app and click on the FASTag icon. Enter FASTag Customer ID. If the mobile number registered for Pockets app and FASTag is same and OTP is generated, user will be allowed to access his or her FASTag Account.

 

For existing Pockets users:


Log in to the updated Pockets application and click on the FASTag icon. To access the FASTag Account, the mobile number registered for Pockets and ICICI Bank FASTag needs to be the same.

 

Features available in Pockets app:

 

  • View vehicle wise and Common User Group (CUG) balances
  • View transactions
  • Recharge CUG and tag balance from Pockets app balance, directly from ICICI Bank Account balance
  • CUG to tag balance transfer.

Can I change my goal later in iWish?

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You cannot change amount or the period of your goal.

CREATE NEW GOAL

Is there any limit on the number of goals that I can create?

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Yes. You can not have more than 25 active goals. So if you have created 25 goals and all these goals are not yet closed, then you can not create any further goal. As soon as any goal is closed, you can create new goal against that goal.

What is ICICI Bank iWish?

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iWish is a unique deposit which allows you to create goals to save for specific wishes.

These goals are flexible Recurring Deposits with the added benefit of contributing any amount, at any point of time. You earn better interest rates on your Recurring Deposit just like a Fixed Deposit (click here for rate of interest)

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I completed a transaction for paying my bill, the amount got debited from my account but the transaction failed.

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In such a case your amount will be credited back to your account in the next 24/48 hours.

Can I use UPI on Pockets app?

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

What is Pockets?

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Pockets by ICICI Bank - The most comprehensive mobile wallet to 

(1) Pay Anyone, 

(2) Shop Anywhere and 

(3) Bank with ease for any bank's customer.

Pockets is the first app in India to offer UPI, NFC and QR code based payments. With Pockets wallet, you instantly get a free virtual VISA card that can be used for shopping at all online websites/apps. You can even request for a physical card that can be used at stores. Moreover, you can recharge your prepaid mobile or DTH connection and pay your utility bills from within the app. You can send money securely to bank accounts, your contacts or virtual payment addresses using Unified Payment Interface (UPI). That's not all, you can upgrade to a Pockets Savings Account right from the app to get a debit card and create deposits.

Will I receive a confirmation for completion of top-up?

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Once the recharge is completed, you will receive a confirmation message from the operator.

How Top-Up is different than Mobile Recharge through Recharge Codes?

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Under Mobile top-up, you do not require to buy recharge codes of preset denominations. You can choose your own amount and submit your request online. No recharge code is released and airtime (talk-time) limit is increased automatically without any additional requirement.

What makes iWish flexible?

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The goals under iWish are flexible Recurring Deposits with the added benefit of contributing any amount, at any point of time.

You can choose to deposit money at your convenience and you can also choose not to deposit any money in a month. There are no penalties or charges if you could not deposit money into a goal every month. If you have more spare money to save, you can deposit funds multiple times in a month into your account.

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What is Mobile Recharge?

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Mobile Recharge is a facility to recharge a prepaid mobile phone, you can use this service to increase talk-time (airtime) for any existing prepaid Mobile connection.

Click here to know more.

Will I receive confirmation after making a payment?

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You will receive online confirmation along with a transaction ID. If it happens that you do not get any confirmation, you will get a 'failure' message and the amount will be credited back into your account within 24/48 hours.

What are funding limits on pockets?

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The limit is Rs 10,000 per month and Rs 5,000 per transaction. 

When will my payment be updated at the biller's end?

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It takes two business days from the date of payment to get your payment updated.

What is pockets physical card?

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You can apply for a physical pockets cards for making payments offline. A fee of Rs 100 is charged for the card. You can personalize the physical card. 

Can I fund my pockets wallet using my credit card?

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No. Pockets doesn’t allow to fund your wallet using the credit card. 

Is there any additional charge levied by the Bank/ Operator?

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No, this facility is free of charge for its Customers.

Where can I use Pockets card? Is it valid only on the app?

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Pockets wallet comes with a 16 digit VISA pre-paid card which can be used for shopping online across websites in India along with the payment features built inside the app. You also have the option of getting a specially designed Pockets physical card that can be used at stores/outlets

My friend does not have a bank account. Can he/she encash the Coupon at ICICI Bank branch?

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No. Your friend should have a valid bank account. The bank account need not necessarily be of ICICI Bank.

Do I need to have a Savings Account to pay my bills using Pockets?

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No, you can go ahead and pay your bills using even the Pockets wallets. You can also save these bill credentials against your favorites and do your transactions in a snap.

What is Pay Bills in Pockets?

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Pay Bills is a Pockets facility that enables you to pay bills instantly without having to register for it.

Can I apply for a two wheeler loans on pockets?

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Yes. You can apply for a two wheeler loan on pockets. 

What will happen if I enter incorrect consumer details on Pockets?

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When you submit your (consumer) details, Pockets by ICICI Bank accepts them for processing. If they include details belonging to a valid biller amongst the list shared above, the bill will be presented. If they are invalid, however, your request will be rejected.

What are Passcodes?

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Passcodes are verification numbers that are generated by the app when you ‘Send Money’ via mobile number/ e-mail ID/ social media (Facebook/ Google+/ Whatsapp). For security reasons, we will send a 4 digit passcode to your registered mobile number. You would have to share this passcode with your friend to redeem the coupon.

In ‘Send money’ there is an option called ‘Tap and Pay’. What is it?

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‘Tap and Pay’ is a feature wherein you can transfer funds from one wallet to another by just tapping your phones together. The transfer is done via NFC which is activated when the phones are in proximity to each other. Funds will be transferred from one Pockets wallet to another. This facility is currently available only on Android phones. 

What will happen if I enter incorrect mobile number while doing Mobile Recharge in Pockets?

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Once the transaction is entered, ICICI Bank accepts the same for processing. If mobile number belongs to the list of operator as mentioned in the app the request will be processed and talk time will increase. However, if the number is invalid (for reasons as mentioned below NOTE), the amount will be refunded within 2 working days.

Pockets Savings Account

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1. What is the Pockets Savings account?

 

You can "unlock" advanced features such as interest on your deposits, higher transaction limits, iWish goals and cash withdrawal by applying for Pockets savings account from the app.

 

Effective August 5, 2016, the Minimum Monthly Average Balance in Pockets Savings Account is Zero Balance for users in the age group of 18 to 25 years and Rs. 5000 for those above 25 years.

 

You will need to have your documents ready and we will open your Pockets savings account through our super quick Tab Banking facility.

 


 

2. Can I apply for a Pockets saving account from the app?

 

Yes, you can apply for a Pockets savings account from within the app by selecting the city and branch where you would like to open your account.

 


 

3. After I applied for a Pockets savings account, do I need to visit the branch to submit my KYC documents?

 

No, our team from the branch will call you and meet you at a time of your convenience

 


 

4. Do I need to maintain a balance in my Pockets savings account? Will I be penalized for not maintaining any balance?

 

Yes, the Pockets savings account is a Rs 5000 balance account (w.e.f. December 1, 2015), so a monthly average balance of Rs 5000 would have to be maintained in the Pockets account.

 


 

5. I applied for a Pockets Savings account using the app. Does this mean my Savings account has also been activated?

 

  • After applying for a Pockets savings account, our team member from the branch you selected will visit you at a time of your convenience to collect your documents.
  • Post successful authentication of your submitted documents, your savings account will be created
  • The Pockets savings account is tightly coupled with the prepaid card. Using the same user id & password you would be able to view you newly created Savings account & your pockets wallet.

 


 

6. After applying for the Pockets savings account, can I also check the status of my application?.

 

Yes. You would be able to check the status of your Pockets savings account within the app on tapping on “Check status/Activate” on the Savings account card in on your dashboard

 


 

7. I opened a Pockets Savings account and gave all my documents. I never got any user ID/password. How do I access my account?

 

The Pockets savings account is tightly coupled with the wallet. After your Pockets savings account is processed and activated, you will be able to view the same on the Pockets app with the same user ID & password.

 


 

8. Will I get a cheque book/debit card with my Pockets savings account?

 

You will by default get a cheque book and a Pockets branded debit card with your savings account, which you can upgrade to our expressions debit card and personalize your card.

 


 

9. I already have an ICICI Bank savings account, can I apply for a Pockets savings account?

 

If you have an existing ICICI Bank savings account, you wouldn’t be able to apply for Pockets savings account.

 


 

10. I have an ICICI Bank savings account, can I change the status of my account to a Pockets savings account?

 

No, you will not be able to change the status of your existing account to a Pockets savings account

 


 

11. Can I walk into an ICICI Bank branch and apply for a Pockets savings account?

 

You would be able to apply for the Pockets savings account only online via the Pockets app.

 


 

12. What are key features of Pockets Savings account?

 

  • Single user ID for Savings Account as well as Pockets account
  • Rs 5000 Balance Savings account Rs 5000 (w.e.f. December 1, 2015)
  • Free monthly e mail statement
  • Customised Pocket Debit Card with offers (Link for offers)
  • Free NEFT transactions
  • Free 10 leaves cheque book in a year

 

Will I be able to register bills on Pockets for my recurring bills?

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No, you will not be able to register for a biller using Pockets.

I have a set of my registered billers on the ICICI Bank site, Will I be able to view those billers and pay my bills.

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Yes, if you are an existing ICICI Bank customer, you will be able to view your set of registered billers and you can pay for them using Pockets. For your registered presentment billers, you will also get an in-app notification when your bill is due.

What will happen if I enter incorrect consumer details?

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When you submit your (consumer) details, Pockets by ICICI Bank accepts them for processing. If they include details belonging to a valid biller amongst the list shared above, the bill will be presented. If they are invalid, however, your request will be rejected.