# iMobile: Loan, Cards & Banking — Loans, Cards, Payment & FASTag > Comprehensive mobile banking app for loans, cards, payments, and investments. (iPhone/iPad app by ICICI Bank Ltd.) - Source: https://appshunter.io/ios/app/imobile-loan-cards-and-banking/id375276006 (this page in markdown: same URL + `.md`) - Developer: [ICICI Bank Ltd](https://appshunter.io/developer/375276009) - Category: Finance, Utilities - Price: Free - Rating: 4.80/5 from 66,826 App Store ratings · 1,205 written reviews indexed - Age rating: 4+ - Requires: iOS 17.0 · 805 MB - Languages: American English - Released: 2012-05-24 - Data updated: 2026-08-31 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/imobile-loan-cards-and-banking/id375276006/reviews.md ## What is iMobile? iMobile is ICICI Bank’s official Mobile Banking app that offers 400+ banking services. It is accessible to both ICICI Bank & non-ICICI Bank customers for availing Loans, managing Savings Accounts, transferring funds, managing Cards, and investments. iMobile brings the power of Net Banking to your fingertips! iMobile offers: • Instant Loans such as Personal Loans, Home Loans, Car Loans, and more • Online Digital Savings Account • Apply for Credit Cards • Open Fixed Deposits (FDs), Recurring Deposits (RDs) or iWish Deposits • Scan QR Codes for easy UPI Payments • Hassle-free utility & electricity bill payments • Instant online mobile recharge, DTH service, and FASTag recharge • Flight, train, and hotel bookings. With iMobile, you can enjoy the following benefits: ● Pre-approved RuPay Credit Cards: RuPay Credit Cards provide instant access to RuPay benefits, allowing seamless payments and UPI transactions. ● Manage multiple Cards: Through iMobile, you can manage multiple Cards such as Debit Cards, Credit Cards, and Forex Cards. You can also pay Credit Card bills for other banks, by scheduling reminders for due dates. ● Investments made simple: iMobile offers a hassle-free solution for investing and stock market trading. You can also invest in various Mutual Fund schemes, without opening a Demat Account. ● iScore & Discover: Use the 'Discover' feature on iMobile to review your income and expenses. The 'Budget' feature helps you create and manage a budget, allowing you to practice financial discipline. ● iFinance: All your Bank Accounts in one place: With iFinance, experience a new and innovative way to view all your Bank Accounts in one place. Review your income and expenses, easily. ● Unlock rewards & personalised offers: Earn Reward Points and avail of exclusive offers by conducting transactions or paying utility bills through your Credit Card. ● Customised notifications: Get updates regarding your bills, Cards, Loans, Bank Accounts and more. ● SmartLock: Control access to banking services such as Net Banking, UPI, and Credit and Debit Cards in one swipe. ● SmartScan With the new 'SmartScan' feature, log in to iMobile and directly scan any QR Code within the first 10 seconds, without opening your scanner. ● Global UPI: NRI customers can conduct UPI payments with their international mobile number. ● Chatbot assistance Enjoy 24x7 chatbot assistance with iPal.     Personal Loan highlights: • Loan Amount: Minimum: ₹ 50,000 and Maximum (based on the customer’s eligibility). • Repayment Tenure: (36 months(Min)) to (based on the customer’s eligibility). • Rate of Interest: 10.80% to 16.00% • Processing Fee: Can go up to 2% of loan amount. For example: For a Loan of ₹ 5 lakh, borrowed at an interest rate of 0.89% per month for 60 months, the payable amount would be Rs 10,809 per month. Processing Fee: * ₹ 1,770, Other charges: ₹ 0, Interest: ₹ 1,48,539. The total amount to be repaid after 5 years will be ₹ 6,48,540. Note: Interest rate and Processing Fee vary as per the products. Other offerings by iMobile : Forex Prepaid Cards, Companion Cards, SIPs, IPO Applications, Tap to Pay, Scan to Pay, Pay to Contact, PPF (Public Provident Fund), NPS (National Pension System), Gold Loan, Sovereign Gold Bonds, Term Life Insurance, Cancer Cover, Health/Travel/Motor Cover, 24-hour Top Up and PayLater. Pre-approved Loans: Home Loan Balance Transfer, Education Loan, Loan against Property, Commercial Property Loan, Consumer EMI, Home Loan Overdraft, Insta FlexiCash Loan, and Personal Loan on Credit Card. For any feedback, queries, or concerns regarding iMobile, write to imobileapps@icicibank.com  ICICI Bank Registered Office: ICICI Bank Tower, Near Chakli Circle, Old Padra Road, Vadodara 390007, Gujarat, India. ## Key features - Apply for various loans (Personal, Home, Car) - Open digital savings accounts and fixed deposits - Manage debit, credit, and forex cards - Invest in mutual funds and stock trading - Make UPI payments and bill recharges - Track income, expenses, and manage budgets - 24/7 chatbot assistance ## What do users think of iMobile? Overall sentiment: negative **Pros** - 🚀 Convenient and fast - 👍 User-friendly interface - 🔒 Secure banking experience - 🚀 Handy for day-to-day banking - 🚀 Improved compared to previous versions **Cons** - 🐛 Crashes and stability issues - 🐛 Unreliable UPI payments - 🐛 Inconsistent user experience - 🐛 Slow performance and lagging - 🐛 Frequent login and registration issues - 🐛 Buggy and unstable app **Commonly reported bugs** - App crashes on login or during transactions - OTP delivery issues, especially for NRI customers - Inconsistent behavior across different devices and OS versions - Inability to add payees or transfer funds to other banks - Frequent session timeouts and login issues **Most requested features** - Ability to transfer to other bank accounts - Option to customize notifications - Improved UPI functionality - Better support for older iOS versions - More transparency in transaction history ## Recent user reviews (10 of 1,205) All indexed reviews: https://appshunter.io/ios/app/imobile-loan-cards-and-banking/id375276006/reviews.md ### 1/5 — App is too slow *2026-08-28, version 30.6* App is too slow ### 1/5 — Hopeless app from hopeless bank *2026-08-28, version 30.6* Today I wanted to make some payment in India and try to log into my NRO bank account. Just after I signed in, the app completely froze and I started getting new prompts to authenticate my phone number etc. It almost was like I was being hacked and I got suspicious. I logged out and when I try to log back in, it wanted me to re-authenticate everything that again made me suspicious After two minutes, I get the notification you are being locked out for 24 hours because of too many attempts. It seems they come out with a new version of the app without intimation. There is no intimation on email or via text that there is going to be a new version of app . The only time they send me a text is when they want to market some fixed deposit rate and that too without my consent. If you call them, they have some humans sitting who are trained to speak certain lines like a robot. They will not be able to help you at all and they will keep repeating we understand or I we apologies for your trouble. That’s all they’ll know . Overall a very substandard bank ### 1/5 — Worst mobile app *2026-08-27, version 30.6* Please update with good software ### 1/5 — Very slow *2026-08-27, version 30.6* The app nerds lot of improvement. It’s very slow. It takes 10-15 mins from the time I open the app and finish checking and transactions ### 1/5 — iMobile App Performance Needs Improvement *2026-08-26, version 30.6* I’ve been using the iMobile app, but the overall experience has been quite disappointing. The app is extremely slow and frequently becomes unresponsive, especially while performing important actions such as money transfers. It often remains stuck on the loading screen, making the process frustrating and unreliable. The app’s performance needs significant improvement, as the backend responses appear to be very slow. In addition, the user experience and interface could be made more intuitive, smooth, and responsive. Overall, the app does not meet the expected standards of a banking platform and requires considerable improvements in both performance and UX. I hope to see noticeable improvements in the app’s performance and overall user experience soon. ### 1/5 — App lagging while use in uk region *2026-08-24, version 30.6* It is difficult use in uk region most of time lagging while make any payment ### 5/5 — Great customer service and easy to use app *2026-08-23, version 30.6* Great customer service and easy to use app. Easy for money transfer to local and international banks ### 5/5 — UPI for NRI *2026-08-23, version 30.6* Thanks a lot for providing UPI option for NRI customers who can now conveniently pay using UPi service. Interface and process is excellent ### 1/5 — Do not make online transfers through the app. *2026-08-21, version 30.6* I made one transfer of INR 50k to a beneficiary in July 2026 but due to some technical glitch in the system, the app kept initiating multiple transfers for the same amount without my consent and totally cleared my funds in my account. It’s been over a month now and I am still running around trying to get my money back. ICICI took no responsibility or accountability for this error. ### 1/5 — Worst experience *2026-08-21, version 30.6* Been a customer for almost 15 years!! Switched to NRI account recently and the apps loading time is horrible. This is on a 100 Mbps wifi connection ## Frequently asked questions about iMobile ### What can I do with this banking app? This app offers over 400 banking services. You can apply for various loans like personal, home, and car loans, open digital savings accounts, manage your debit, credit, and forex cards, and invest in mutual funds and the stock market. It also facilitates UPI payments, bill recharges, and travel bookings. ### Is this app free to use? Yes, the app is free to download and use. It provides access to a wide range of banking services without any upfront cost to the user. While the app itself is free, specific financial products like loans or credit cards will have their own associated costs and interest rates. ### Who is this app designed for? This app is designed for individuals who want a convenient and comprehensive mobile solution for managing their banking needs. It caters to both existing ICICI Bank customers and non-customers who wish to avail of services like loans, credit cards, and investment opportunities. ### How can I manage my finances with this app? The app includes features like 'iScore & Discover' to review your income and expenses, and a 'Budget' feature to help you create and manage your financial plans. The 'iFinance' feature allows you to view all your bank accounts in one place, making it easier to track your financial activity. ### What kind of loans can I get through the app? You can apply for instant loans such as Personal Loans, Home Loans, and Car Loans through the app. The loan amount, repayment tenure, and interest rates are subject to customer eligibility and specific loan product details. ## Version history (last 5 releases) ### 30.7 — 2026-08-28 - Security Enhancement - Sim Verification - UPI Circle - Enable your family & friends to make UPI payments via your bank account - Access all your mandates across Cards, UPI & Bank Accounts at one place - Experience faster and more secure login - Experience the all-new, redesigned CIBIL & Loan journey - Explore the Invest journey, featuring APY & PMSBY for smarter retirement and financial security - Experience intuitive offers & rewards journey with enhanced features - Bug Fixes & improvements. ### 30.6 — 2026-08-16 - Security Enhancement - Sim Verification - UPI Circle - Enable your family & friends to make UPI payments via your bank account - Access all your mandates across Cards, UPI & Bank Accounts at one place - Experience faster and more secure login - Experience the all-new, redesigned CIBIL & Loan journey - Explore the Invest journey, featuring APY & PMSBY for smarter retirement and financial security - Experience intuitive offers & rewards journey with enhanced features - Bug Fixes & improvements. ### 30.5 — 2026-08-07 - UPI Circle - Enable your family & friends to make UPI payments via your bank account - Access all your mandates across Cards, UPI & Bank Accounts at one place - Experience faster and more secure login - Experience the all-new, redesigned CIBIL & Loan journey - Explore the Invest journey, featuring APY & PMSBY for smarter retirement and financial security - Experience intuitive offers & rewards journey with enhanced features - Bug Fixes & improvements. ### 30.4 — 2026-07-10 - UPI Circle - Enable your family & friends to make UPI payments via your bank account - Access all your mandates across Cards, UPI & Bank Accounts at one place - Experience faster and more secure login - Experience the all-new, redesigned CIBIL & Loan journey - Explore the Invest journey, featuring APY & PMSBY for smarter retirement and financial security - Experience intuitive offers & rewards journey with enhanced features - Bug Fixes & improvements. ### 30.3 — 2026-06-23 - Experience faster and more secure login. - Explore the updated Invest & Insure journey, featuring APY & PMSBY for smarter retirement and financial security. - Experience the all-new, redesigned CIBIL & Loan journey. - Experience intuitive offers & rewards journey with enhanced features. - Smarter Services, Accounts, Deposits, Cards & Forex experience with enhanced features. - Two PINs, two purposes - iMobile login PIN for login & UPI PIN for UPI Payments. - Bug Fixes & improvements. ## Apps similar to iMobile | App | Rating | Price | Category | | --- | --- | --- | --- | | [PhonePe UPI, Payment, Recharge](https://appshunter.io/ios/app/phonepe-upi-payment-recharge/id1170055821) | 4.7 (169,934) | Free | Finance | | [PayPal - 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User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-31.*