# IDFC FIRST Bank: MobileBanking — Savings, Payments, and Loans

> Comprehensive mobile banking for savings, payments, loans, investments, and insurance. (iPhone/iPad app by IDFC FIRST BANK LTD.)

- Source: https://appshunter.io/ios/app/idfc-first-bank-mobilebanking/id1521443352 (this page in markdown: same URL + `.md`)
- Developer: [IDFC FIRST BANK LTD](https://appshunter.io/developer/1090320551)
- Category: Finance
- Price: Free
- Rating: 4.80/5 from 2,903 App Store ratings · 127 written reviews indexed
- Age rating: 4+
- Requires: iOS 17.0 · 247 MB
- Languages: American English
- Released: 2020-12-07
- Data updated: 2026-08-28
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/idfc-first-bank-mobilebanking/id1521443352/reviews.md

## What is IDFC FIRST Bank?

Welcome to IDFC FIRST Bank’s Mobile Banking App. Enjoy a fast and seamless online banking experience, with integrated banking services and exciting features.

Experience the joy of:
* One-Swipe Banking: Swipe to view your account balances & manage credit card/debit card details, deposits, investments, etc
* Instant Payments & Transfers: Make secure payments, UPI transfers, and bill payments
* Zero Fee Banking: Enjoy free Savings Account services, such as money transfers, cheque re-issuance, debit card issuance, and ATM withdrawals
* Tracking Expenses: Monitor cash flow with over 20 automatically categorised transaction types. Link FIRST WOW! & Digital Rupay Credit Card with UPI, earn cashback & rewards on every payment.
* Auto-Sweep Current Accounts: BRAVO Current Accounts with Auto-Sweep to FD for higher interest rates
* Building Wealth: One screen view of your investment portfolio. Get curated investment recommendations based on your risk profile

* Personalised Offers: Get exciting offers across dining, lifestyle, travel & more
* Instant Personal Loans: Avail pre-approved loan offers at attractive interest rates & flexible tenures
* Fixed Deposit: Open an FD in 3 quick steps. Invest online & get guaranteed returns.  
Smart App Features and Services
1. Secure Fund Transfers & Payments
* Free fund transfers to any bank account without adding beneficiary
* Easy bill payment and recharge – mobile recharge, DTH & utility bills
* Earn up to 10X rewards on travel/shopping spends via credit cards, redeem anytime for exclusive discounts 
* 3-click digital bill payments
* Zero fee money transfer (मनी ट्रांसफर) to bank accounts through IMPS, NEFT, or RTGS
* Send money, pay utility & credit card bills, loan EMIs, buy/recharge FASTag, using UPI
* Link bank (बैंक) accounts & view your savings account (बचत खाता) balances with UPI

2. Investment, Mutual Funds & IPOs App:
Explore online investment services:
* Invest in Mutual Funds online with Instant SIP
* Invest in equity, debt, large-cap & multi-cap
* Save tax with ELSS mutual funds
* Invest in Unit Linked Insurance Plans (ULIP) & Online Sovereign Gold Bonds
3. Insurance App:
Buy health, bike & car insurance through our app

4. Tripstacc Benefits
* Convenient in-app flight & hotel booking experience on the IDFC FIRST Bank mobile app, powered by Tripstacc
* ZERO convenience fees on flight booking & earn 20 bonus points for every ₹100 spent on hotel bookings

5. Other Banking Services:
* Apply for debit card & cheque book via app with nil charges.
* View filtered transactions & download Smart Statement + Digest 
* Manage credit card payments, download statements, and redeem credit card (क्रेडिट कार्ड) rewards
* Quick purchase and recharge of FASTag
* Zero fee on DD & Pay order issuance & 3rd party withdrawals
* No ECS return fee & decline fee at ATMs for low funds
* Get personalised offers across loans
* One app login for retail, MSME, Customer Service, & Relationship Management

Steps to Download App & Open a Digital Banking Account (बैंक खाता):
* Download the banking app & click on open savings account (सेविंग्स अकाउंट)
* Register your details & get user ID & password
* Log in via user ID & password or mobile number & MPIN
* Set up Face ID or finger scanner (biometric) for easy log-in
* SIM Binding feature for secure banking (बैंकिंग)

Personal Loan Features:
Loan amount: ₹20,000 to ₹40 lakhs
Personal Loan Tenure: 6 to 60 months
Annual Percentage Rate: 11% to 28%
Representative Example:
Loan amount: ₹1,00,000
Loan Tenure: 12 months
Interest Rate (reducing): 20%
EMI Amount: ₹9,264
Total Interest Payable: ₹11,168
Processing Fee (incl GST): ₹3,499
Disbursed Loan Amount: ₹96,501
Total Amount Payable: ₹1,11,168
Total cost of Loan (Interest + Processing Fee): ₹14,667

Disclosure:
By downloading the IDFC FIRST Bank Mobile App, you agree to our Terms & Conditions, as well as IDFC FIRST Bank’s privacy policy. To go through the T&Cs, please visit https://www.idfcfirstbank.com/terms-and-conditions

## Key features

- One-Swipe Banking for account management
- Instant payments and UPI transfers
- Zero fee banking services
- Expense tracking and categorization
- Investment portfolio management
- Instant personal loans
- In-app flight & hotel booking

## What do users think of IDFC FIRST Bank?

Overall sentiment: neutral

**Pros**

- 👍 Convenient mobile banking
- 🚀 Fast and smooth app experience
- 💡 Useful features like bulk transfers
- 👍 Excellent user interface and navigation

**Cons**

- 🐛 Frequent app crashes and bugs
- 🔒 Mandatory SIM binding issues for NRI users
- 👎 Poor customer service, especially for NRI accounts
- 🐛 Compatibility issues with newer devices and OS versions

**Commonly reported bugs**

- Login screen freezes and infinite loops
- App not working on WiFi, only on mobile data
- Issues with adding payees and transferring funds
- Notifications and app updates not working properly

**Most requested features**

- Display exchange rates for NRE/NRO account transfers
- Add support for iPads and larger screen devices
- Improve security without compromising user experience
- Provide better options for international customers

## Recent user reviews (10 of 127)

All indexed reviews: https://appshunter.io/ios/app/idfc-first-bank-mobilebanking/id1521443352/reviews.md

### 5/5 — IDFC FIRST app

*2026-08-23, version 2.72*

It’s a very comfortable and convenient app . Next level app

### 1/5 — App Crashing

*2026-08-12, version 2.71*

App Keeps crashing. This is the case for the past 20 days since IOS UPDATE TO 26.6 there is no way to fix it.

### 4/5 — Great app but has bugs

*2026-08-08*

The app is almost perfect. But lately I have found a few bugs. When I access the Net Worth section, I can view the balances for savings, stocks and ETFs, mutual funds, EPFO, and other categories. However, when I try to refresh the mutual fund or EPFO details, I receive the following error:

“Service temporarily unavailable - External MF tracking is paused for system enhancements. We’ll notify you once it’s back.”

I was previously able to refresh these details without any issues, but this error has persisted for approximately six months. Similarly, applying for pre-approved credit cards work smooth till the last step and just gives error before the final submission.

**Developer response:** We are keen to help you! It’d be great if you could email us at customer.service@idfcfirstbank.com for us to assist you better. Thank you!

### 5/5 — Best UI ever!!

*2026-08-05, version 2.71*

The bank has its sights on the right issues. Superb banking ease

### 1/5 — Unable to register

*2026-08-05, version 2.71*

The app was crashing continuously so I uninstalled and reinstalled it. Now I’m unable to register again. Every time the SMS is sent, the app just throws an error saying try after sometime or that the registration could not be completed at this point in time. Tried several times but no luck. Back to a browser and a computer for online banking, since this app has become totally useless.

### 1/5 — Send international verification SMS

*2026-08-04, version 2.71*

Extremely disappointing experience. Every time I try to register or set up the app, I have to send an SMS from my UK mobile number to an Indian number just for verification. This is an outdated, inconvenient, and unnecessary process that costs money every single time.
In 2026, almost every bank provides secure verification through OTPs, email, biometric authentication, or in-app verification. Requiring customers to send an international SMS just to activate the app is unacceptable.
This process is especially frustrating for NRIs and customers living abroad. If IDFC FIRST Bank offers NRI services, it should also provide a modern and hassle-free digital experience instead of relying on such outdated verification methods.
If this issue is not resolved, I will have no option but to close my IDFC FIRST Bank account and move to a bank that values its customers and provides a better digital banking experience.
Please modernize your verification process. This is a basic expectation from a bank in 2026.

### 5/5 — Very professionally designed

*2026-07-29, version 2.71*

App is easy to use and customer friendly bank

### 1/5 — Misleading Claims Regarding the “Paperless” NRI Account Opening Process

*2026-07-20, version 2.71*

The institution advertises its NRI account opening process as a completely digital, paperless banking experience. However, the reality is markedly different. Applicants are ultimately required to visit a bank or authorized institution in their country of residence to complete document verification and authentication, rendering the process far from fully online. Marketing such a service as “paperless” and “seamless” is, in my view, misleading, as it creates expectations of an entirely digital onboarding experience while, in practice, customers are compelled to undertake additional administrative procedures and in-person formalities. Greater transparency regarding these requirements would enable prospective customers to make informed decisions and avoid unnecessary inconvenience.

### 4/5 — Good user friendly app but support from bank needs to improve

*2026-07-11, version 2.70*

The support channels from bank need to improve especially when any App related issue becomes a problem blocking access to your funds or inability to pay. 

The standard channels that the bank developers are asking people to report are slow in response both phone and email. They need to either setup proper error reporting mechanisms via App itself or setup dedicated support channel for the App instead of routing everything through generic email or generic phone channels. 

Just putting this out if anyone encounters this issue of App not launching at all. 

If you get this error immediately after biometric verification.

“Aw-snap!
An unexpected error occurred.
Please close the app and retry, while we resolve this issue.”

Do the following. 

Goto Settings - General - iPhone storage - search for IDFC app. Delete the documents listed there usually this would be old data and documents. The app will ask you to login again and authenticate again. 

The error condition is not traceable in the backend it seems. Also the error message issued implies that this error is on their side and not in the App itself localized to the user device. This is misleading where the user will wait hopelessly trying now and then to see if this gets fixed. Spent a day just uselessly trying. This is not user friendly at all and does not guide the user to appropriate means to fix this or even prompt the user to report this.

### 5/5 — Easy way to transfer money

*2026-06-23, version 2.68*

Very fast service

## Frequently asked questions about IDFC FIRST Bank

### What can I do with the IDFC FIRST Bank mobile banking app?

The app allows you to perform a wide range of banking activities including viewing account balances, making instant payments and transfers, tracking expenses, building wealth through investments, applying for personal loans, and purchasing insurance. It offers a seamless online banking experience with integrated services.

### Are there any fees for using the banking services in the app?

The app promotes 'Zero Fee Banking' for many services. This includes free savings account services like money transfers, cheque re-issuance, debit card issuance, and ATM withdrawals. There are also zero fees on DD & Pay order issuance and 3rd party withdrawals, as well as no ECS return fee or decline fee at ATMs for low funds.

### How can I manage my investments through the app?

The app provides a 'Building Wealth' feature where you can view your entire investment portfolio on one screen. It offers curated investment recommendations based on your risk profile and allows you to invest in Mutual Funds online with Instant SIP, equity, debt, large-cap & multi-cap funds, ELSS, ULIPs, and Sovereign Gold Bonds.

### Is the app compatible with all devices?

While the description doesn't explicitly state compatibility, mobile banking apps are typically designed for both Android and iOS smartphones and tablets. It's recommended to check the specific app store listing for your device's operating system and version compatibility.

### What are the benefits of linking my credit card with UPI?

By linking your FIRST WOW! & Digital Rupay Credit Card with UPI, you can earn cashback and rewards on every payment made. This allows you to leverage your credit card benefits for everyday transactions made through UPI.

## Version history (last 5 releases)

### 2.72 — 2026-08-17

All international payments now in one place:

Send money faster with:
* New shortcut for faster payments
* Quick access to recent payees
* One place for all payment channels
* Track payments in real time

More ways to send money:
* From India to 100+ countries
* From Singapore, Hong Kong or Australia to an Indian A/c
* From UK or Europe to your own IDFC FIRST Bank A/c
* From NRO to NRE

More features:
* Zero-fee payments
* Lock in rate for 72 hrs
* Conversion calculator
* RM support

### 2.71 — 2026-07-20

International payments just got better!
* View and track all international payments in one place
* Save your payment drafts and resume anytime
* Add funds to your NRE/NRO account from overseas
* Enjoy quick and secure banking across borders

### 2.70 — 2026-07-09

Government Bonds are now live!
* Start investing from ₹10,000
* Earn fixed annual returns up to ~8% p.a.
* Invest in Government-backed securities
Diversify your portfolio with fixed-income investments

### 2.69 — 2026-06-24

Your Net Worth just got smarter
* Auto-fetch and track external Fixed Deposits (FDs) in your Net Worth
* Add your gold & silver holdings for better accuracy
* View IDFC Credit Card outstanding under liabilities for a more complete Net Worth
Because your Net Worth should reflect everything—what you own and what you owe.

### 2.68 — 2026-06-16

* Doorstep Cash Pick‑up for MSMEs
* MSME customers can now schedule single or recurring cash pick‑ups directly via Doorstep Banking on the app and web—no branch visits required

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## More apps by IDFC FIRST BANK LTD

- [BHIM IDFC FIRST Bank UPI](https://appshunter.io/ios/app/bhim-idfc-first-bank-upi/id1249206065)
- [IDFC FIRST Buzz](https://appshunter.io/ios/app/idfc-first-buzz/id1460221053)
- [IDFC FIRST Bank FASTag](https://appshunter.io/ios/app/idfc-first-bank-fastag/id1547409154)
- [IDFC BXP Business eXperience](https://appshunter.io/ios/app/idfc-bxp-business-experience/id1630121005)
- [IDFC First Bank ME Services](https://appshunter.io/ios/app/idfc-first-bank-me-services/id1638292653)

All apps by IDFC FIRST BANK LTD: https://appshunter.io/developer/1090320551

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*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 2026-08-28.*