InstaBIZ by ICICI Bank User Reviews

Customer Experience

Positive experience40.7% of reviews
Neutral5.5% of reviews
Negative experience53.8% of reviews

~ Based on 91 written reviews from the US App Store.

Is InstaBIZ by ICICI Bank Safe?

InstaBIZ by ICICI Bank appears safe based on user ratings. AppsHunter Safety Score for InstaBIZ by ICICI Bank is 93/100.

This assessment is based on 725 user ratings, with an App Store average of 4.7/5.

Safety Analysis

93.0% of ratings point to a safe experience
1.4% of ratings suggest some concerns
5.7% of ratings point to a risky experience

~ Based on 725 App Store ratings for InstaBIZ by ICICI Bank.

Is InstaBIZ by ICICI Bank Legit?

InstaBIZ by ICICI Bank appears to be a legitimate app. AppsHunter Legitimacy Score for InstaBIZ by ICICI Bank is 95/100.

Based on 95 of 100 points across 7 verification signals from App Store and developer data.

Top reviews

Revamping went too bad

This redesign prioritizes flashy graphics over basic usability. Navigating the app feels like a maze, with essential features buried under confusing menus and critical functions; example the logout button does not respond even on 3-4 touches. Mobile screens are limited in space, and crowding them with heavy visuals hinders daily use. For iBiz users, the priority isn't replicating full web-portal functionality on a phone; it's fast, reliable access to core day-to-day business operations. I strongly urge the development team to trade over-engineered flashy design for a simple, intuitive, easy to use and dependable banking experience.
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Response from developer

Dear Girish, we are sorry to hear about your experience while using the app. Certainly this is not the kind of experience we would like you to have. We request you to share us a mail specifying the issue on corporatecare@icici.bank.in. This would help us in understanding the problem. Upon receiving the same, we will work on the issue and resolve it at the earliest. Sincerely, Team ICICI Bank.

Trying hard to be an worst banking app in every possible way

Extremely poor UI and worst user experience. Beginning with screen layout, font sizes , otp validation errors…. Etc etc .. Everything about this app is about how not to design a banking app.

Response from developer

Hi, we truly apologize for the inconvenience. We will surely share the necessary feedback to our team on this concern. Any other feedback / issues we request you to share us a mail specifying the feedback or issue on corporatecare@icici.bank.in. Sincerely, Team ICICI Bank.

Why update beyond what cannot be maintained.

The recent update to the InstaBIZ app has made the overall experience significantly worse. Several essential features related to fund transfers and the passbook have either been removed, hidden, or made much harder to access. Instead of improving usability, the update has made routine banking tasks unnecessarily confusing.

The UI/UX changes are disappointing. A modern design is welcome only if it enhances usability, but this update seems to have prioritized appearance over functionality. Features that were previously intuitive are now difficult to locate, resulting in a frustrating user experience.

What made the experience even more disappointing was the lack of support. Even ICICI Bank employees and customer care representatives were unable to provide clear guidance. It appeared that they were either not adequately informed about the changes introduced in the update or were simply helpless in assisting customers.

To make matters worse, the screenshots displayed on the App Store do not match the current app experience at all. They portray features and a design that users no longer see after installing the app. This is misleading and creates completely different expectations from what is actually delivered. It raises the obvious question: how was this version approved for release with promotional screenshots that don’t reflect the current product?

Please bring back the essential functionality, update the App Store listing so it accurately represents the app, and ensure your support teams are properly trained before rolling out major updates. Banking apps should make customers’ lives easier, not force them to spend time figuring out how to perform basic tasks.
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Response from developer

Hi, we are sorry to hear about your experience while using the app. Certainly this is not the kind of experience we would like you to have. We request you to share us a mail specifying the issue on corporatecare@icici.bank.in. This would help us in understanding the problem. Upon receiving the same, we will work on the issue and resolve it at the earliest. Sincerely, Team ICICI Bank.

New App Login Not Secure - forces manual password entry

A secure login these days is done through complex passwords using password manager apps. Manual password entry is NOT a secure way to login because users end up using simple passwords that are easy to remember.

This new version of the app does not invoke password manager login prompt, which is not only extremely inconvenient, but also inherently NOT a secure way of logging in.

The earlier versions allowed login by entering login ID and password using a password manager.

Please fix this issue immediately to make this app more secure login.
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Response from developer

Hi, we are sorry to hear about your experience while using the app. Certainly this is not the kind of experience we would like you to have. We request you to share us a mail specifying the issue on corporatecare@icici.bank.in. This would help us in understanding the problem. Upon receiving the same, we will work on the issue and resolve it at the earliest. Sincerely, Team ICICI Bank.

Fund transfers feature not working

I don’t know how ICICI rolled out this latest InstaBIZ app to production. Basic features are not even working properly. Previously added beneficiary accounts for fund transfers, whether within ICICI or to other banks, have completely stopped working. Every time I try to make a payment, the app asks me to log in again. Even after re-logging in multiple times, it keeps showing the same error and doesn’t let me proceed.

Because of this, I’m unable to make critical business payments, which is directly disrupting my business operations. This is unacceptable for a banking app that’s supposed to serve businesses. Reliability should be the top priority, but this app feels like it was released without proper testing.

I’ve wasted a lot of time trying to fix an issue that shouldn’t exist in the first place. ICICI needs to thoroughly test updates before pushing them to production. Right now, this app is causing frustration, delays, and financial inconvenience. Extremely disappointing experience.
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Response from developer

Hi, we understand the disappointment this may have caused. To assist you further on this, we request you to share us a mail specifying your issue on corporatecare@icici.bank.in. This would help us in understanding the problem. Upon receiving the same, we will work on the issue and will resolve it at the earliest. Sincerely, Team ICICI Bank

Worst app

2 minutes compulsory delay

Response from developer

Hi, we apologize for the inconvenience caused while accessing the app. To assist you further, we request you to share us on email by specifying the issue to corporatecare@icici.bank.in. This would help us in understanding the problem. Upon receiving the same, we will work on the issue and will resolve it at the earliest. Sincerely, Team ICICI Bank

UI Interface Issue

Payment Confirmation screen has details mentioned on LHS and RHS. On a mobile screen this layout makes the fonts look very small. Use Top and Bottom layout to make the information readable.
Also while developing a new UI for mobile please develop on a screen size on which it is going to be used. You will yourself know if there is readability or not. Making UI on a desktop computer for a mobile app will make everything look nice and readable but this can lead to a lot of errors for people who are banking as they cannot see the digits etc clearly hence making wrong credits/debits.
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Response from developer

Dear Nikhil, we are sorry to hear about your experience while using the app. Certainly this is not the kind of experience we would like you to have. We request you to share us a mail specifying the issue on corporatecare@icici.bank.in. This would help us in understanding the problem. Upon receiving the same, we will work on the issue and resolve it at the earliest. Sincerely, Team ICICI Bank.

Worst service

Worst service

Best service

Best service thank you

Response from developer

Hi, much appreciation for your comments! We're thrilled that you find our app and its features to be useful. Keep an eye on the updates since many interesting new features will soon be available. Please email us at corporatecare@icicibank.com if you have any ideas for new features or enhancements to the app. Sincerely, Team ICICI Bank.

Nima’s Cafe

Happy customer

App

Good service nice app

Response from developer

Dear Ashish, much appreciation for your comments! We're thrilled that you find our app and its features to be useful. Keep an eye on the updates since many interesting new features will soon be available. Please email us at corporatecare@icicibank.com if you have any ideas for new features or enhancements to the app. Sincerely, Team ICICI Bank.

Worst possible experience

Your platform should make maximum use of current technology to simplify life for consumers, but unfortunately the process feels unnecessarily difficult and frustrating.

1. The prefilled fields are confusing. I kept getting an error message saying “no special characters allowed” and spent more than 5 minutes trying to figure it out, only to realize the issue was caused by your own prefilled text boxes.
2. If NEFT and RTGS have different transaction restrictions, why not validate and filter this during data entry itself? Our payment was returned because RTGS was used for an amount below ₹5 lakhs — something your system could easily have prevented upfront.
3. Why is copy/paste disabled for account number fields? This creates unnecessary hassle and increases the risk of manual entry errors.

Overall, the system needs to be more user-friendly and designed around customer convenience rather than making simple transactions complicated.
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Response from developer

Dear Ram, We understand the disappointment this may have caused. To assist you further on this, we request you to share us a mail specifying your issue on corporatecare@icicibank.com. This would help us in understanding the problem. Upon receiving the same, we will work on the issue and will resolve it at the earliest. Sincerely, Team ICICI Bank.

FANTASTIC BANKI EXPERIENCE

Jabarjast Experience with Valak Surat branch manager. A simple meeting and solution provided within 10 days that is Landing.

Poor design, Often fails

Compared to the consumer banking app, ICICI Bank has neglected the business banking app. Many functionalities don’t work. Only the basic things work. Checking service requests status doesn’t work. Unblock card request doesn’t work. In general, poor performance.

Horrible design. Full of distractions

It is a horrible application full of distractions. Slow to load, inconsistent UI, problematic iSafe. Please refer to this app and bank on what NOT to do

Response from developer

Hi, we apologize for the inconvenience that you have faced. To assist you further, we request you to share us on email by specifying the issue to corporatecare@icicibank.com. This would help us in understanding the problem. Upon receiving the same, we will work on the issue and will resolve it at the earliest. Sincerely, Team ICICI Bank.

Payment receipt sharing issue

When i make payment to party payment details shows share option by click directed to app option selection
Selected app shows blank screen to receiver in shared pic
This problem occurred after ios 26 update
Take look and update this app accordingly

Really bad User Experience for such a good bank

The app doesn’t load until I switch to mobile network. This is a known issue. In a recent update the placement of all options (icons) changed. Every time one logs out, it will ask for feedback. Sometimes I have to login multiple times in a day to process transactions. Am I expected to give feedback 100s of times in a month? Today I decided to give feedback. But its feedback form doesn’t submit. It keeps giving an error Unable to Save. Such a good bank. Most pathetic app. No consideration for Users. No testing done. 👎🏽
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Not working on WiFi

Developers are crazy. Why do I need to stay connected to mobile data just for using this app? I’m at home, I have private WiFi, I know my security better than you. Why shall I be dependent on mobile data just to connect and login?

If WiFi is enabled, the app doesn’t loads, if I disconnect WiFi and enable mobile data, the app loads instantly. This isn’t glitch, this is purposely done by shameless developers.

I wish I could slap hard on your face, but unfortunately can’t express my frustration other than just typing here.
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Really bad customer service

I was told by many people that InstaBIZ is a great platform for current accounts. So I decided to switch to icici bank. However, it’s been 2 months since i started the process of opening my current account. Almost one month since every directors KYC was completed, i have followed up with the branch people, with customer care, wrote many mails asked many times. And since 12th August I’ve received one singular response from the bank :- your account will get activated today. I’ve run out of people to write and talk to, so I’m doing it here now. What is the point of having such a great platform when you have no interest in even letting them open an account?
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Response from developer

Dear Roshan, We are sorry to hear about your experience you have faced while visiting the branch. We request you to specify the issue that you have faced and share the mail on corporatecare@icicibank.com. Upon receiving the same, we would highlight the issue with the relevant team. Sincerely, Team ICICI Bank.

Not abel to transfer the Payment

I am using the Application from last 2 months it always face someor the othe issue whenever i try to transfer the amount through upi . From last 2 days i am not abel to get the page of upi transfer after clicking on the upi transfer the page is loading and dis not more forward it still remain there ... Please resolve this as if you are not allowing to transfer the payment then waht the use of upi in your bank application ..
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