What it does
ICICI Bank’s iMobile app brings account balances, recent transactions, billers and service requests together. Customers can manage payees and standing instructions separately, review card activity and track requests. Account balance requirements depend on the savings product and opening date.
For an account-history check in iMobile, open Accounts & FD / RD and select the account. A savings account shows its balance and the last ten transactions. Under Services, payees, billers and standing instructions have separate management options. A saved recipient and an instruction to repeat a payment are different records, which helps when reviewing regular outgoings.
Service requests have their own tracker: Services → SR Search. Card blocking and unblocking are also available in Services. For a credit-card statement, go through Cards & Loans, choose the card and use More options → Last Statement.
Savings-account costs
For standard savings accounts opened on or after 1 August 2025, the monthly average balance requirement depends on the branch location:
| Location | Required monthly average balance |
|---|---|
| Metro or urban | ₹15,000 |
| Semi-urban | ₹7,500 |
| Rural | ₹2,500 |
The published non-maintenance charge is 6% of the shortfall or ₹500, whichever is lower. Older accounts and special programmes have separate terms.
The Basic Savings Bank Deposit Account has no minimum balance or non-maintenance charge, and its debit card has no annual fee. It is available to qualifying Indian residents who do not already hold a basic savings account at another bank. Some exceptional services still cost extra, including card replacement and foreign-currency transactions.
The standard savings application starts with Apply Now on the website, then contact details, PAN, postcode and phone verification. Identity checks require documents such as PAN and Aadhaar or e-Aadhaar; submitting the form begins the account-opening process rather than creating an immediately usable account.
Strengths
- iMobile keeps service-request tracking separate from transaction history.
- Payees, billers and standing instructions have distinct management options.
- A basic savings account is available without a minimum balance or annual debit-card fee.
Watch out for
- Standard new savings accounts have branch-dependent average-balance requirements.
- The basic savings account excludes applicants who already have that account type at another bank.
Best for
- ICICI customers handling account records and requests through iMobile
- Eligible Indian residents comparing standard and basic savings accounts
Sources
- ICICI iMobile Complete Service Guide (Oct 27, 2026)
- ICICI Savings Accounts and Opening Requirements (Oct 27, 2026)
- ICICI Basic Savings Bank Deposit Account (Oct 27, 2026)
- ICICI Basic Savings Account Schedule of Charges (Oct 27, 2026)