Mr Ranjay Trehan
Always excellent in services since I joined
Worst verification method
It’s 2026 and they still use SMS verification system where I cannot send SMS from a UK mobile number to an Indian number. Even If i want to send I need to pay extra for it whenever I register to this app.
Worts experience ever in my life
I’ve had one of the worst experiences ever with this bank. It honestly feels like they keep adding charges at every opportunity, and I’ve never experienced anything like this with any other bank.
I missed my EMI payment by just 7 days due to financial emergency at home. I tried contacting customer care multiple times, but I couldn’t get through. Last month, I was charged ₹520 as a late fee, and then another ₹520 just 7 days later, along with an additional ₹300 overdue charge.
What’s even more frustrating is that my next due date is October 3rd, but they’re already asking me to pay another ₹300 as an overdue fee.
There are so many different charges that it genuinely feels like my money is being taken from me for every little thing. I’m extremely disappointed with my experience with IDFC.
I would strongly suggest to everyone considering a loan with them, please don’t take it or else you’ll regret. I definitely regret my experience.
And plus the employees also were so rude and unprofessional.
I missed my EMI payment by just 7 days due to financial emergency at home. I tried contacting customer care multiple times, but I couldn’t get through. Last month, I was charged ₹520 as a late fee, and then another ₹520 just 7 days later, along with an additional ₹300 overdue charge.
What’s even more frustrating is that my next due date is October 3rd, but they’re already asking me to pay another ₹300 as an overdue fee.
There are so many different charges that it genuinely feels like my money is being taken from me for every little thing. I’m extremely disappointed with my experience with IDFC.
I would strongly suggest to everyone considering a loan with them, please don’t take it or else you’ll regret. I definitely regret my experience.
And plus the employees also were so rude and unprofessional.
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Transfer money
When I transfer my money to support to my family they will got within a second and it’s really appreciated quick services by IDFC Bank .
App keeps crashing
Since the last update, the App keeps crashing a few seconds after logging in. Can't do anything
Worst service
I haven’t expected this worst service from idfc. You said its digital but everything is offline it seems. I dont understand the purpose of submitting documents online when u asked to provide documents offline. There is no proper communication from bank regarding the process. Relationship manager is unresponsive, not useful anymore. The customer care also same , no proper response from them even after 3 days. I have submitted all documents they asked but still account is not activated. I need the account at the earliest but these people are hopeless. I am thinking of closing account even before activation. Go for traditional banks like icici/hdfc/axis even sbi but dont go for idfc.
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Poor service
No customer service available, trying to contacting them, but no response, made a mistake of opening NRE account with IDFC
Don’t display limit or available balance in message
Overall, I’ve had a good experience with the bank. The services are reliable, and the overall banking experience has been smooth.
However, one thing I find inconvenient is that whenever I make a transaction in bank account message displays the “Available Limit” and “Available Balance” information. It would be much better if this information wasn’t displayed every time or if there was an option to hide it.
Apart from this, I’m satisfied with the overall experience and hope the bank considers improving this feature in a future update.
However, one thing I find inconvenient is that whenever I make a transaction in bank account message displays the “Available Limit” and “Available Balance” information. It would be much better if this information wasn’t displayed every time or if there was an option to hide it.
Apart from this, I’m satisfied with the overall experience and hope the bank considers improving this feature in a future update.
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Response from developer
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!
App keep crashing
Why this app keep crashing for past two months. Its so irritating
Excellent service
I’hv had a very good experience that IDFC FIRST Bank. Mainly digital facilities and app iOS app banking facilities with transparent approach. I love it and highly recommend.
IDFC FIRST app
It’s a very comfortable and convenient app . Next level app
Best
Best bank best app best service… please expand branches all over tamilnadu
To much spem calls
To much spem call
App Crashing
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.
Great app but has bugs
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.
“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.
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Response from developer
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!
Best UI ever!!
The bank has its sights on the right issues. Superb banking ease
Unable to register
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.
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Send international verification SMS
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.
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.
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Very professionally designed
App is easy to use and customer friendly bank
Nice services
Shamsudheeen
