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Internet Banking Services

Making bill payments, depositing money, opening accounts, receiving loan approvals, and withdrawing money once meant travelling to the branch office, long queues at the Bank, and a whole day wasted. But what were tedious tasks once, can now be managed within a few clicks and from the comfort of your home. Financial transactions have changed for the better with the advent of internet banking services. E-banking services have made the process of banking much simpler today. Read More

At IDFC FIRST Bank, you can avail internet banking services – quite like the ones you would receive at a physical bank – without moving out of your own home. Every banking service you ever needed is now just a click away with IDFC FIRST Bank’s personal e-banking facilities. Whether it is checking your account balance or taking out a personal loan, internet banking makes all of it possible with utmost ease. It’s everyday banking, simplified for you! Read Less

Benefits of Internet Banking services

Online Banking has gained a massive following in a short period of time due to a numerous customer-centric features. When you avail internet banking services you enjoy the following benefits:

Key Features of Net Banking

Experience the ease of banking, no matter where you are.

Ways to Transfer Funds

NEFT

With NEFT, you can instantly transfer money between your bank accounts or to any Third Party Beneficiary holding an account with any other bank. These funds transfers are executed using (RBI) Reserve Bank of India's InterBank Transfer Scheme.

RTGS

With RTGS, you can transfer money instantly to any Third Party (Beneficiary) holding an account with a bank other than IDFC FIRST Bank, if the beneficiary's bank participates in RBI Real Time Gross Settlement (RBI - RTGS).

IMPS

Immediate Payment Service (IMPS) is an instant payment inter-bank electronic funds transfer system in India. The sender requires the bank account number and the Indian Financial System Code of the beneficiary, to transfer money.

Internet banking eligibility

FREQUENTLY ASKED QUESTIONS

What is internet banking?

Internet banking is an electronic solution that allows you to make transactions, payments, and other activities on the Internet via the Bank's secure platform.

What are the benefits of using internet banking Services?

You can use internet banking to execute your banking transactions from any place that is convenient for you. Internet banking offers a wide range of electronic transactions and data to aid in the management of your financial holdings. It's safe and practical.

What are the services and transactions which can be accessed through internet banking?

The services and transactions that can be accessed through internet banking are:

  • Checking your account balance
  • Viewing the transaction history of your banking accounts and credit card
  • Transferring money between various accounts
  • Transferring funds overseas
  • Transferring funds to a different bank account
  • Making online payments
  • Enquiring on interest rates
  • Opening new Term/Fixed Deposits
  • Maintaining old and new cheque books
  • Updating personal information

Will there be any charges for signing up for internet banking?

No, there are no signing up charges.

Is internet banking easy to use?

Yes, internet banking is very easy to use and people from all age-groups and ways of life can avail of this service.

What are the types of transactions I can carry out through my IDFC FIRST Bank Net Banking?

If you’d like to view a complete list of all the transactions you can do on online, and through mobile Net Bankingclick here

What does Funds Transfer mean?

A funds-transfer is simply transferring funds from your own account to any of the following:
1. Your other accounts under your user ID
2. To other beneficiaries (within IDFC FIRST Bank/outside IDFC FIRST Bank), also known as Third Party Funds Transfer

It’s one of the many advantages of Net Banking with IDFC FIRST Bank.
Funds Transfer for online Net Banking to other Banks can be of 3 types:
• IMPS, (Immediate Payment Service), is a real-time service which allows customers to transfer funds from their account to another bank account in an electronic manner. This transaction can be done 24x7. The beneficiary receives the credit instantly.
• NEFT, (National Electronic Funds Transfer) allows bank customers to transfer funds, pay credit card bills of other banks in an electronic manner to other Bank. NEFT follows RBI’s working calendar.
• RTGS, also known as Real Time Gross Settlement, is the fastest way to transfer funds in an electronic manner. Transactions are done and payments are received in real-time.

What are the charges of IMPS, NEFT and RTGS?

There are NO charges for any funds transfer or transaction/transfer types for online Net Banking. They are free of cost.

How do I add a beneficiary to my personal Net Banking?

In order to conduct a Third Party Transfer process for online and mobile Net Banking, you’ll need to add a beneficiary to your online bank account. Here are the steps to add one:

  1. Log into IDFC FIRST Bank Net Banking.
  2. Select ‘Add Beneficiary’ under ‘Funds Transfer’
  3. Select the type of beneficiary and fill necessary details
  4. Enter the OTP received on your registered mobile number
  5. A notification about beneficiary addition will be sent to your registered mobile number
  6. The beneficiary will be activated after 30 minutes of being successfully added in the account

How do I create a User ID and Password for my personal Net Banking?

To access online Net Banking, you can create a user ID between 6-10 characters, which can be alphanumeric in nature.

For your personal Net Banking, please do select a user ID which is easy to remember and yet personal to you in nature. The Mobile Net Banking Password should be between 6-15 characters, and you can use a combination of characters, alphabets and numbers to create one.

How do I register for online Net Banking?

Steps to register for IDFC FIRST Bank Net Banking services are as follows:

1.      Visit the IDFC FIRST Bank website, and click on ‘Login’

2.      Click on ‘Create Username’

3.      Enter UCIC/Customer ID & mobile number, and click on ‘submit’

4.      Enter Account Number, or Debit Card Number, or Loan Account Number

5.      Enter the OTP received on your registered mobile number

6.      Select your Username and create your own IDFC FIRST Bank Net Banking Password and click on submit

7.      IDFC FIRST Bank will never ask for customer-sensitive details like Username/Password in any of their communications or in person. Please do not reveal the same. To know more about safe banking practices, please click here.

How can I retrieve my Username?

Follow these steps to retrieve your Username:

 

1.      Visit the IDFC FIRST Bank website, and click on Login

2.      Click on ‘Forgot Username’

3.      Enter your Customer ID & mobile number, and click on submit

4.      Enter your Account Number or Debit Card details

5.      Enter the OTP received on your registered mobile number

6.      Your Username will be sent to your registered email id. A notification about retrieval of username will be sent on your registered mobile number.

7.      You will be able to view your username on the screen as well.

How do I retrieve my Password (IPIN)?

One of the many benefits of Net Banking is that you can set a new password for your IDFC FIRST Bank Net Banking in a few simple steps:

 

1.      Visit the IDFC FIRST Bank website, and click on ‘Login’

2.      Click on ‘Forgot Password’

3.      Enter the username and mobile number

4.      Enter the OTP received on your registered mobile number

5.      Enter New Password and click on ‘submit’

More FAQs