# HDFC Bank App: Banking & Cards — user reviews > 345 indexed App Store user reviews of HDFC Bank App by HDFC Bank Ltd., rated 4.80/5 from 13,111 ratings. - Source: https://appshunter.io/ios/app/hdfc-bank-app-banking-and-cards/id6504402552/reviews - App overview in markdown: https://appshunter.io/ios/app/hdfc-bank-app-banking-and-cards/id6504402552.md - Rating breakdown: 5★ 11,763 · 4★ 959 · 3★ 149 · 2★ 50 · 1★ 190 ## What do users think of HDFC Bank App? Overall sentiment: negative **Pros** - 🚀 Smooth UI/UX transitions - 🚀 Intuitive app flow - 🚀 Minimal API call time - 👍 Modern and visually appealing interface **Cons** - 🐛 Registration fails for overseas customers - 🐛 SMS verification issues for international users - 🐛 Inconsistent font sizes and cluttered UI - 🐛 Forced app update causing issues for existing users - 🐛 UPI payment issues and lack of customization **Commonly reported bugs** - Repeated SMS verification failures - Login issues for existing users - Incompatibility with older devices and international SIMs - Crashes and performance problems **Most requested features** - Alternative registration methods for international users - Improved support for overseas customers - Customizable UPI settings - Increased font size and better UI layout ## Newest reviews (12 of 345) ### 3/5 — Mobile number Validation require *2026-07-31, version 10.1.7* The old app was working fine now with the new version it needs SMS to be send from your registered mobile number . How it’s possible for non resident customers to send SMS to India without an international roaming. Bank need to revert to old validation system. ### 3/5 — Improvement *2026-07-21, version 10.1.7* Swipe button is too smooth, sometimes it makes hard as screen might change to different application. Other than that everything looks good. ### 2/5 — Worst experience ever *2026-07-07, version 10.0.2* I can’t self-transfer in my two HDFC accounts even after trying many times ### 3/5 — Login issues *2026-07-07, version 10.0.2* It seems like the app goes through a lot of maintenance. Yesterday it was not letting me login kept on saying that an app was open. ### 4/5 — Swipe *2026-07-02, version 10.0.2* Swiping is very inconvenient and does not always work while paying g ### 1/5 — Awful swipe button for money transfer *2026-06-26, version 10.0.2* So difficult to swipe the arrow button for money transfer. I am using an iPhone. Very bad design. So difficult to swipe ### 1/5 — Worst App ever *2026-06-23, version 10.0.2* It is too complicated to use. Just make it simple and easy. ### 3/5 — Asking to register every time *2026-06-22, version 10.0.2* On iOS 26 iPhone 17 the app asks to register again almost every 24 hours Could be a iOS issue (Android seems not to have this issue) ### 1/5 — Unfair policy, Forced ios17 Update & No Service *2026-06-20* I have been an HDFC Bank customer for years, but I am extremely disappointed by the decision to block access to the banking app unless users upgrade to iOS 17. I use an iPhone X, which Apple itself does not support beyond iOS 16. This means HDFC is effectively forcing customers to purchase a new phone just to access their bank account. That is neither reasonable nor customer-friendly. I fully understand the importance of security and keeping software updated. However, many banks around the world continue to support older operating systems while implementing appropriate risk controls, warnings, restricted features, or alternative authentication methods. Completely locking out customers who own perfectly functional devices is an excessive approach. The relationship here is between the customer and the bank…not between the customer and Apple. Customers should not be forced into expensive hardware upgrades simply to perform basic banking activities. I urge HDFC Bank to reconsider this policy and provide a supported version for older devices or at least a limited-access mode for customers who understand and accept the associated risks. Banking services should remain accessible, inclusive, and customer-centric. Please review this decision and provide a practical solution for customers using older iPhones or be ready for customers to start closing their banking relation with you. **Developer response:** Hi, this is not the experience we wish to deliver. Please reach out to us at support@hdfc.bank.in with your full concern and registered contact details. Kindly mention the reference ID ANMB22062600091 in the subject line for further assistance. ### 1/5 — Registration problem *2026-06-19, version 10.0.2* I am keep trying to verify my sim, as I am NRI I am keep trying but it couldn’t send sms everytime it says failed, I have tried to send SMS other Indian friends I could send them but I couldn’t send for sim verification because of this I can’t make any payment I am not able to see my account statement nothing worst experience ever ### 1/5 — Unstable *2026-06-16, version 10.0.2* Probably the worst banking app I have ever used. Most of the time I can not even login, error messages about incorrect phone number, although nothing has changed. ### 1/5 — App won’t work when no network *2026-06-15, version 10.0.2* So I am travelling in India and since I found the network I have back in USA doesn’t work here in my area. I cannot access the app at all. This is ridiculous as I disabled some cards and now when I tried to enable. I found cooked as no access. This bank never fails to make my experience worse. Second time I felt regret in last few months. ## Most critical reviews (10 lowest-rated) ### 1/5 — Doesn’t run on iPad *2026-08-24, version 11.0.1* What a stupid app. App is telling me to shut off Wi-Fi on my iPad and proceed….. seems HDFC has a common sense problem ### 1/5 — Worst app - no login option *2026-08-23, version 11.0.1* What’s wrong with this app, why it’s asking me to register every time? There is no login option. ### 1/5 — An ape could’ve built a better application. *2026-08-05, version 10.1.7* Are there no competent developers working on this app? ### 1/5 — To damn annoying with the updats *2026-08-05, version 10.1.7* First of all how many apps does a Bank need to have there are like a zillion on the app store . Second i dint want to write it cause i thought it’s a me thing but this is getting annoying. Each time a new update rolls out the app logs me out . 3rd this RMN authentication factor please try to un-complicate it to start the app , to log in ,to activate, and this is the initial part of the app . In app you cant do anything with the RMN some people who live abroad have this RMN reg to their parents cause this crazy RMN started lately . What about the people who dont have their RMN with them. 4th the app doesn’t register Esim .. i finally managed to get a the RMN as a ESim on my phone and the app cant send msgs and i am stuck on a useless app that cant even open ### 1/5 — Saurabh & Anil says you are spoiling your health you will fall sick & soon die *2026-07-10, version 10.1.6* Saurabh & Anil says you are spoiling your health you will fall sick & soon die ### 1/5 — Keeps crashing *2026-07-04, version 10.0.2* I’m using the app in Kuwait, it keeps crashing every time after just logging in. ### 1/5 — Update kind of poor *2026-07-01, version 10.0.2* When WiFi is on cannot open app they ask open with phone which a sim In registered with bank which is already their it never happened with old version ### 1/5 — Sim Verification *2026-07-01, version 10.0.2* Why there is no OPT based verification facility available? ### 1/5 — NRI Services *2026-06-29, version 10.0.2* As an NRI based in the US, I find it unacceptable that the new HDFC app migration process completely shuts out international users. The app’s device/SIM verification fails to recognize or authenticate US phone numbers. It is unreasonable to expect international customers to maintain an Indian phone number solely to access their mobile banking. Please fix the international SIM binding issue and properly test your software for your global user base before forcing a migration. ### 1/5 — Login failed *2026-06-28, version 10.0.2* If overseas cant login sms sent and then verification failed ovious it will br failed because sms gonna send from overseas number ## Most praised reviews (10 highest-rated) ### 5/5 — Ostin *2026-07-10, version 10.0.2* Swift services ### 5/5 — Very Nice UI/UX upgrade! *2026-07-06, version 10.0.2* Great update ### 5/5 — Very Nice UI/UX upgrade! *2026-07-02, version 10.0.2* Great update ### 5/5 — Best banking app *2026-07-01, version 10.0.2* One of the best user friendly app i've ever used ### 5/5 — Amazing *2026-06-28, version 10.0.2* The new ui is just awesome and very easy to navigate. You guys did a great job. The earlier one was very difficult and confusing. Keep it up!!! ### 5/5 — Exceptional service *2026-06-27, version 10.0.2* Great design and enjoying the navigation ### 5/5 — Awesome App *2026-06-23, version 10.0.2* Too good and easy to use ### 5/5 — Wonderful New Update – Easy and Pleasant to Use *2026-06-15* The latest update to the HDFC Bank app is outstanding. The revamped user interface is highly intuitive, responsive, and user-centric. Navigation has been significantly optimized, making transactions and account management seamless and efficient. The improved dashboard architecture, enhanced performance optimization, and streamlined workflow provide an excellent digital banking experience. Features load faster, the user journey is more logical, and the overall application stability has noticeably improved. A well-executed upgrade with a modern UI/UX design that sets a new benchmark for mobile banking applications. Kudos to the HDFC Bank technology and product teams for delivering such a robust and customer-friendly platform. **Developer response:** Hi, we are delighted to hear that our App is helpful to you. Hope you continue to enjoy our product. ### 5/5 — Good & Functional *2026-06-09, version 10.0.2* The new designed app is good to use and functional. It’s very responsive. It takes sometime to understand where the menus have got buried. Once you know it, it’s easy. May be an add on self help tutorial can help. ### 5/5 — My trusted bank *2026-06-07, version 10.0.2* HDFC is the best bank I have dealt with. Online and offline both platforms customer service is excellent! Highly recommended. --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-07.*