# IDFC FIRST Bank: MobileBanking — user reviews > 127 indexed App Store user reviews of IDFC FIRST Bank by IDFC FIRST BANK LTD, rated 4.80/5 from 2,903 ratings. - Source: https://appshunter.io/ios/app/idfc-first-bank-mobilebanking/id1521443352/reviews - App overview in markdown: https://appshunter.io/ios/app/idfc-first-bank-mobilebanking/id1521443352.md - Rating breakdown: 5★ 2,651 · 4★ 152 · 3★ 30 · 2★ 22 · 1★ 48 ## 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 ## Newest reviews (10 of 127) ### 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! ### 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. ### 4/5 — Masked account balance *2026-06-12, version 2.67* I am not sure whether it’s RBI mandate to mask savings account balance in Home Screen, option to unmask it always would be nice to have. Mostly users login to check balance and see recent transactions. Displaying unmasked balance of all accounts in Home Screen and clicking respective ones taking to recent transactions would be nice to have. ### 5/5 — App needs improvement *2026-01-20* In all other respects the app is superb and better than many of the other bank apps. But The Mutual Fund folio for fund goes to one folio only. We can’t open different folios for the same commodity say silver or equity if we invest a new one in a different date, it goes to old folio and it makes difficulty in finding out the exact percentage of the return on various dates of lump sum investment in the same product. Option for different folios must be at the discretion of investor. **Developer response:** Hi, we are keen to help you! Your feedback has been noted and passed to the relevant team. For any other query, please email us at customer.service@idfcfirstbank.com ### 3/5 — SMS verification fails for foreign numbers *2026-01-09, version 2.54* This seems like a very good app, and iDFC were very helpful in establishing an NRE account for me. But the SMS verification with a foreign mobile number is rubbish. It asks you to send THEM an SMS, which failed multiple times, and once when it worked randomly because it decided to send me an SMS instead, I was able to get the app activated. You need to have a better way of doing it. From exactly the same site, PhonePe had no trouble sending me OTPs, etc. ### 3/5 — Prompting OTP to restart tracking of our accounts *2025-12-20* The new version seems to be having bugs as every time when app opens it prompts with an Error message stating “Your Account Balance has changed .Verify OTP as per RBI guidelines to restart tracking your accounts “ . But when OTP is entered it says Unknown error . An error has occurred . Try again after few minutes . Networth tabs prompts alert your net worth is not updating . Clicking fix now again OTP received . This is really frustrating and as a clue I have other Kotak and other joint accounts in Kotak account and not sure if this is a reason for errors . But please fix this as an update shortly ! **Developer response:** We're here to support you and would need your contact details to attend your query. Kindly DM us your contact details or email to customer.service@idfcfirstbank.com or click on http://bit.ly/3qjbzbu and share the details mentioning reference ID 2265897 ### 1/5 — Customer Service is zero- Do not open *2025-12-08, version 2.52* I have NRO account. I send them email and 2 follow up emails regarding a query it's been 20 days, no one has replied. They don't pickup phone if you call and don't no respond over email too. Save yourself from trouble. Do not use them . ### 5/5 — IDFC Good Service *2025-12-08, version 2.52* Very special online Banking service iDFC Bank 🏦 ### 1/5 — UI unfriendly *2025-11-30, version 2.51* Glitch that results in infinite loop where I can’t login anymore. Have to go thru whole SIM verification, then it sends me right back to the beginning after completing it. No resolution that I can find ### 1/5 — Unprofessional Bank Avoidd !!! *2025-11-30* I’ve been getting more than 20 notifications, plus SMS, WhatsApp messages, and calls. Till date I’ve received more than 1500+ app notifications And now these alerts pop up every day while I’m using my phone, saying my EMI is due next month and to pay on time to avoid penalties. This is for the first EMI, which isn’t even due yet. I’ve never seen a bank act like this. If you don’t want to finance, then why give the loan in the first place? My phone is flooded with your messages. I haven’t missed any EMI or defaulted, yet this is how you treat a customer for a 50k loan. I have a 40k car EMI monthly with another lender and never got this kind of trouble, not even for an actual due payment. It feels like I’m being forced to broadcast that I have a loan and the bank owns me 50k. My CIBIL score is 880, and still this is the treatment. I can’t imagine what people with less stability go through with this bank. **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! ## Most critical reviews (10 lowest-rated) ### 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. ### 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. ### 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. ### 1/5 — Best bank but with terrible customer service *2026-05-22, version 2.65* Its nearly impossible to talk to humans through their customar care and this bank is very annoying will keep calling you every day for some offer . ### 1/5 — OTP sim check failing *2026-02-21, version 2.56* When trying to register a new iPhone from Australia, it keeps sending the mobile OTP to an Indian +91 number, in-spite of populating a +61 Australian mobile number. ### 1/5 — Worst banking experience ever *2026-02-15* Worst banking experience ever. I took a personal loan from IDFC First Bank, and there is no option for part payment. On top of that, they charge 5% of the outstanding amount for foreclosure plus GST. Just imagine — if you have ₹10 lakh outstanding, you need to pay ₹50,000 + ₹9,000 GST just to close the loan. Otherwise, you’re forced to continue paying EMIs for the entire tenure. What’s more disappointing is that customer care doesn’t try to resolve concerns; instead, they focus on selling new products. I would never recommend this bank to my friends, and I personally won’t choose to bank with them again. Foreclosure and other banking links never works in the portal **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! ### 1/5 — Bad *2026-02-11, version 2.55* Before any NRI open the account for them make sure you have a lot of money in your pocket because once you deposit your money in that bank they will Frasier account for so long and you are unable to do anything because you cannot visit a branch being an MRI that’s how they play with their customers I have already made a mistake so just be careful ### 1/5 — Used to be good *2026-01-11, version 2.54* The app was fluid and worked simplistically. As soon as you started adding features it glitches a lot. Sad that you took something that worked simplistically well and made it worse. ### 1/5 — Not better service (after completing the payment 2 years after call me additional bounce charges. *2025-12-16* I would like to inform you that I had already cleared all my EMIamounts related to my consumer loan two years ago. However, 1 am still receiving repeated calls and messages regarding additional bounce charges, and my consumer loan account is still showing as active, which is completely incorrect. I have already contacted your customer service team se times regarding this issue, but I have not received any proper response or resolution. Every time 1 am informed that my payments are clear, yet the problem continues. request you to kindly verify the records, close my loan account immedia stop all unnecessary calls and messages, and provide written confirmation of loan closure at the earliest. **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! ## Most praised reviews (10 highest-rated) ### 5/5 — IDFC FIRST app *2026-08-23, version 2.72* It’s a very comfortable and convenient app . Next level app ### 5/5 — Best UI ever!! *2026-08-05, version 2.71* The bank has its sights on the right issues. Superb banking ease ### 5/5 — Very professionally designed *2026-07-29, version 2.71* App is easy to use and customer friendly bank ### 5/5 — Easy way to transfer money *2026-06-23, version 2.68* Very fast service ### 5/5 — Excellent *2026-06-19, version 2.68* It’s an great bank good service superb credit cards ### 5/5 — Service *2026-05-07, version 2.64* Best app and services ### 5/5 — The best banking app *2026-04-30, version 2.63* I have used multiple apps for banking services and I am extremely satisfied with idfc. It makes my life easier. Thank you ### 5/5 — Fabulous *2026-03-21, version 2.59* Amazing Idfc Mobile banking so smooth ### 5/5 — iPhone issue resolved - great service *2026-02-27, version 2.57* I had an issue with my iPhone not being able to log in to the app. IDFC has fantastic service. Just by logging a message in the app store lead to them calling me and telling me how to fix it!! That’s fantastic service! Thank you ### 5/5 — Easy and straightforward *2026-02-02, version 2.54* Perfect! --- *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 2026-09-05.*