# IndSMART IndianBank Mobile App > Digital banking app with extensive features for account management, payments, and investments. (iPhone/iPad app by Indian Bank.) - Source: https://appshunter.io/ios/app/indsmart-indianbank-mobile-app/id6479515872 (this page in markdown: same URL + `.md`) - Developer: [Indian Bank](https://appshunter.io/developer/1039746974) - Category: Finance - Price: Free - Rating: 4.10/5 from 334 App Store ratings · 110 written reviews indexed - Age rating: 17+ - Requires: iOS 17.0 · 546 MB - Languages: American English - Released: 2024-06-23 - Data updated: 2026-08-29 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/indsmart-indianbank-mobile-app/id6479515872/reviews.md ## What is IndSMART IndianBank Mobile App? Next gen Digital Banking solution for all your Banking needs. IndSMART is a safe, secure, user friendly and smart mobile banking application with more than 250+ cutting edge features and services for all your banking needs. Download the application from Apple App Store and experience its best-in-class features. IndSMART Mobile Banking Features: • Customize your Dashboard and Themes • Account Summary - Insight of all your Accounts • Set Primary Account • Overview of Assets & Liabilities in one go • Download Statement and view m-Passbook • Balance Certificate, Home & Education Loan Interest Certificates • Transaction History – Snippet of all Transactions • Fund Transfers using UPI, IMPS, NEFT, RTGS • UPI Payments, Scan and Pay using UPI • Pay to Contact facility for Intra Bank Payments • EasiPay (24*7) Fund Transfer for new payees • View and Repeat Favorite Transactions • Schedule your Transfers for Recurring Payments • Pay EMIs, RD, VRD installments and Credit Card Payments • Donate to PMNRF • Lock and Unlock Financial Transaction Facility • Manage Fund Transfer Limits • Manage all Payees • Manage and Pay all your Bills through BBPS • Invest in Term Deposits and build wealth • Submit Form 15G/H for deposit accounts • Invest in Public Provident Fund (PPF), National Pension Scheme (NPS) • Mahila Samman Savings Certificate (MSSC), National Savings Certificate (NSC), Kisan Vikas Patra (KVP) • Add, Update Nominee and care for your loved ones • Avail OD Facility against Deposits • Apply for Digital Loans • e-Shopping - Compare and Shop • Apply for IPO (ASBA) • Invest in Stocks, Mutual Funds, Demat and Online Trading • Avail Insurance • Manage Debit and Credit Cards • Withdraw cash without physical debit cards • Door Step Banking Services • Earn rewards for transactions & manage reward points • Hotel, Bus and Flight Bookings • Cheque Book Services • Register and Track Complaints • Apply for Locker Facility • GST Number Updation • Plan, manage your expenses • Create goals, fulfill your dreams ## Key features - Customizable dashboard and themes - Account summary and transaction history - Fund transfers via UPI, IMPS, NEFT, RTGS - Bill payments and recurring payment scheduling - Investment options (PPF, NPS, Stocks, Mutual Funds) - Loan and deposit facilities - Card management and cash withdrawal without card ## What do users think of IndSMART IndianBank Mobile App? Overall sentiment: negative **Pros** - 👍 Intuitive design - 👍 Ease of use - 👍 Well-organized app - 👍 Smooth and seamless operation **Cons** - 🐛 App not working/loading issues - 🐛 OTP not received for international numbers - 🐛 Unreliable app performance - 🐛 Laggy and slow response times - 🐛 Unable to see all accounts after registration - 🐛 UPI issues on iOS **Commonly reported bugs** - Unable to update to newer version - App not working for NRI customers abroad - Issues with FD account opening - Technical issues during registration **Most requested features** - Add OTP via email/phone call option - Improve app stability and reliability - Enhance navigation and user experience - Optimize app for faster loading and smoother operation ## Recent user reviews (10 of 110) All indexed reviews: https://appshunter.io/ios/app/indsmart-indianbank-mobile-app/id6479515872/reviews.md ### 5/5 — Mobile app use *2026-08-13, version 1.0.48* Super easy safe and convenient ### 1/5 — Worst App ever build *2026-07-03, version 1.0.46* This is the worst banking app I have ever seen, I am still struggling to even register past 1 week …!!! I work in mobile software though. The first step, why the hell the app asking to enable our location services? It is our privacy issue, and still I am not getting the SMS to enable the service ( all other bank SMS are coming) worst app. ### 5/5 — Government Bank App but Feels like international Bank app *2026-06-18, version 1.0.45* I was so surprised by tile setup of this app where most of daily use stuff are very well laid out . I was surprised that government bank app is so nice ### 5/5 — RK *2026-06-07, version 1.0.45* Very good app ### 5/5 — Easy beezy *2026-06-07, version 1.0.45* Finally an app from Indian bank that is very easy to use and get your banking work done in a breeze. Much better than net banking and surprisingly very well laid out with clear menu, information at once without drilling too much deep and excellent performance. ### 1/5 — Subject: Serious UI/UX Issues and Theme Reset Bug in the New IndSMART App - Urgent Fix Required *2026-05-20* Dear Indian Bank Development Team, I am writing to express my strong dissatisfaction with the recent UI/UX design of the new Indian Bank mobile application. As a regular user, I find the current color scheme extremely unprofessional and poorly optimized. A banking application needs to be clean, clear, and easy to navigate. Instead, the current vibrant and distracting color palette causes severe eye strain and makes it highly irritating to read essential financial details and transactions clearly. Furthermore, there is a frustrating technical bug regarding the app's theme settings: 1 Theme Reset Bug: Every single time I log into the app, it forces the messy custom color scheme. Even if I manually switch it back to the "Default Theme" for better readability, the choice is not saved. I have to change the theme manually during every single login session, which is highly annoying and exhausting. A banking app should prioritize functional clarity over unnecessary and poorly executed mobile UI experimentations. I request the UI/UX and development teams to look into this urgently and provide a fix in the next update by either: Reverting to a clean, minimalist, and professional color palette (similar to the older version). Permanently fixing the theme preference bug so that the user's choice of "Default Theme" remains saved after logging out. Looking forward to a swift resolution to this issue. Regards, ### 1/5 — bokka *2026-05-10, version 1.0.43* pedha bokka ### 1/5 — Theme *2026-05-04, version 1.0.43* I need My default theme. But, when I open, it opens up in Vibe Theme. Which is really don't like. The colour combination n al. Why a bank application such theme. Please keep it SIMPLE in colour. ### 5/5 — Indian Bank Mylapore *2026-04-30, version 1.0.42* The Manager at Mylapore branch is so kind and customer friendly , most importantly, she knows what the system is and guides perfectly ### 3/5 — Font size *2026-04-11, version 1.0.41* Need to make the font size a bit bigger and bolder as senior members find it very hard to read as there is no option to zoom in the page. ## Frequently asked questions about IndSMART IndianBank Mobile App ### What does the IndSMART IndianBank Mobile App do? This app is a next-generation digital banking solution designed to handle all your banking needs. It offers a wide array of features for account management, fund transfers, bill payments, investments, loan applications, and card services, aiming to provide a secure and user-friendly experience. ### What are the key features of this banking app? Key features include customizing your dashboard and themes, viewing account summaries and transaction history, making fund transfers via UPI, IMPS, NEFT, and RTGS, paying bills through BBPS, investing in various instruments like PPF, NPS, stocks, and mutual funds, applying for loans, managing debit and credit cards, and even withdrawing cash without a physical card. ### Is this app free to use? Based on the provided information, the application is available for free. There are no mentions of subscription fees, in-app purchases, or ad-supported models, indicating it is a complimentary service for users. ### What kind of banking services can I access through the app? You can access a broad range of banking services, including viewing account balances and statements, transferring funds, paying bills, investing in fixed deposits, PPF, NPS, stocks, and mutual funds, applying for loans and OD facilities, managing your debit and credit cards, and utilizing doorstep banking services. ### Who is the target audience for this app? This app is designed for individuals who want a comprehensive and secure mobile platform to manage all aspects of their financial life. It caters to users looking for convenience in banking, payments, investments, and loan management, all within a single application. ## Version history (last 5 releases) ### 1.0.48 — 2026-07-18 Minor enhancement ### 1.0.47 — 2026-07-05 Minor enhancements ### 1.0.46 — 2026-06-24 1) Set maturity instructions for Term Deposits. 2) Minor enhancements. ### 1.0.45 — 2026-06-05 Minor Enhancements ### 1.0.44 — 2026-05-18 UPI Face Authentication and Biometric Authentication ## Apps similar to IndSMART IndianBank Mobile App | App | Rating | Price | Category | | --- | --- | --- | --- | | [KVB - DLite & Mobile Banking](https://appshunter.io/ios/app/kvb-dlite-and-mobile-banking/id1428536937) | 4.4 (261) | Free | Finance | | [BHIM Bharat's Own Payments App](https://appshunter.io/ios/app/bhim-bharats-own-payments-app/id1200315258) | 4.4 (1,389) | Free | Finance | | [PayZapp UPI, Pixel Credit Card](https://appshunter.io/ios/app/payzapp-upi-pixel-credit-card/id6443480917) | 4.8 (1,319) | Free | Finance | | [slice: UPI credit card & bank](https://appshunter.io/ios/app/slice-upi-credit-card-and-bank/id1123372237) | 4.2 (242) | Free | Finance | | [Yono Lite SBI](https://appshunter.io/ios/app/yono-lite-sbi/id872982272) | 3.7 (1,612) | Free | Finance | | [PhonePe UPI, Payment, Recharge](https://appshunter.io/ios/app/phonepe-upi-payment-recharge/id1170055821) | 4.7 (169,934) | Free | Finance | ## More apps by Indian Bank - [BHIM Indian Bank UPI](https://appshunter.io/ios/app/bhim-indian-bank-upi/id1387882745) - [IND GURU–Indian Bank Learning](https://appshunter.io/ios/app/ind-guruindian-bank-learning/id1515748305) - [IndOASIS - Indian Bank Mobile](https://appshunter.io/ios/app/indoasis-indian-bank-mobile/id1527276619) - [IB Merchant App](https://appshunter.io/ios/app/ib-merchant-app/id6469512392) - [Indian Bank Corporate Merchant](https://appshunter.io/ios/app/indian-bank-corporate-merchant/id6474526911) All apps by Indian Bank: https://appshunter.io/developer/1039746974 ## Related topics [india bank](https://appshunter.io/ios/topics/india-bank) · [indsmart indianbank mobile app](https://appshunter.io/ios/topics/indsmart-indianbank-mobile-app) · [indsmart](https://appshunter.io/ios/topics/indsmart) · [insmart mobile](https://appshunter.io/ios/topics/insmart-mobile) · [smart india](https://appshunter.io/ios/topics/smart-india) · [insmart](https://appshunter.io/ios/topics/insmart) · [indian overseas bank](https://appshunter.io/ios/topics/indian-overseas-bank) · [south indian bank](https://appshunter.io/ios/topics/south-indian-bank) · [indsmart biz corporate app](https://appshunter.io/ios/topics/indsmart-biz-corporate-app) · [crbc eproc mobile](https://appshunter.io/ios/topics/crbc-eproc-mobile) --- *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 2026-08-29.*