HDFC Mobile Banking: HDFC Bank’s mobile banking facility allows customers to manage their bank accounts on the go. HDFC Mobile Banking service can be activated by downloading the app and entering the customer ID and IPIN. The same ID and PIN can be used to access HDFC Mobile Banking, or you can set up an Instant Access PIN. The mobile banking app also allows customers to set up biometric login.
HDFC Bank’s mobile banking facility provides you with an efficient and convenient way to stay connected with the bank. The mobile banking facility is noteworthy among its security features, as no information will be stored on your SIM card or mobile phone.
Through this facility, it is possible to make bill payments, pay credit card dues, transfer funds and check your account balance.
Mobile banking is a service provided by a bank or other financial institution that allows its customers to conduct financial transactions using a device such as a smartphone or a tablet. It works through the app. Mobile banking is generally available on a 24-hour basis. But some financial institutions have restrictions on which accounts can be accessed through mobile banking, as well as limits on the amount that can be transacted.
Mobile banking reduces the cost of handling transactions by reducing the need for customers to visit a bank branch for non-cash withdrawal and deposit transactions. Mobile banking does not handle cash transactions and requires the customer to visit an ATM or bank branch to withdraw or deposit cash.
Mobile banking has simplified our financial operations by providing most of the banking-related services through mobile devices like smartphones, tablets, laptops, etc. The advent of mobile banking has made processes like money transfer, payment, balance inquiry, deposit, etc.
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HDFC Mobile Banking Registration Process
To use HDFC’s mobile banking services, you are required to have the Net Banking Customer ID and IPIN provided by the Bank. Using these credentials, you can easily log in to the app.
Step 1. Download and install the HDFC Mobile Banking app from Google Play Store or App Store.
Step 2. Open the app to see the login screen.
Step 3. You do not need to register separately to access HDFC Mobile Banking services. You can use the same username and IPIN used for Internet Banking.
Step 4. You can set a Quick Access PIN on the app by clicking the button that appears on the home screen of the HDFC app.
Step 5. Enter your Customer ID and registered mobile number under the ‘Enter your details’ tab. Then click “Continue“.
Step 6. An OTP will be received on your registered mobile number. Enter the OTP under the “Enter OTP” tab within 30 seconds and click on “Continue“.
Step 7. In the next tab, you have to enter your Debit Card PIN, Debit Card Expiry Month, and Year. Then, click “Continue“.
Step 8. Now you can set 4 digit access pin by entering it twice. And also, you can choose to enable fingerprint as a way to authorize yourself. Then click “Continue“.
HDFC Mobile Banking Log-in Process
To log in with HDFC Bank’s mobile banking services, follow the steps mentioned below
Step 1. To log in, open the HDFC Bank app on your smartphone.
Step 2. Now enter your Customer ID and Password or your Internet Banking Username and IPIN. Then click on Login Bottom
Step 3. You can enter a 4-digit Quick Access PIN to log in. If you have enabled fingerprint authorization, you can log in by simply placing your finger on the sensor to log in.
HDFC Mobile Banking Password Reset Process
To change the IPIN of HDFC Mobile Banking, the customer needs to follow some of the steps mentioned below.
Step 1. First of all, log in to HDFC Mobile Banking App.
Step 2. Go to the menu and select ‘Your Profile’ and tap on “Security Center”.
Step 3. Select the option “Change Password/PIN”.
Step 4. Enter the old IPIN and create a new one.
Step 5. Now confirm your new PIN.
Step 6. After completing these steps, you can log in using the new IPIN.
Features of HDFC Mobile Banking
- balance check
- book movie tickets
- request for a mini statement
- Avail 24×7 availability of banking services
- Money transfer in and out of the bank
- Quick transfer and receipt of funds
- Bill Payment, Utility Payment, Etc Online
- DTH or mobile top-upRecharge your mobile number and DTH
- Instant opening or closing of FDs and RDs
- Transfer funds online to recipients within and outside the bank.
- Access and monitor account activity from phone in just a few clicks
- Status update when account is debited, credited or payment is through SMS
- Attractive offers, coupons, cashback etc. on various products
- Security measures such as encryption allow for safe and secure transactions
- Receive offers on personal loans, insurance etc quickly and easily
- Avail the best deals on Vacation, Hotel, Flight, Bus and more with Travel Apps
- Earn points on credit card transactions, which can be used to receive offers on merchandise and services
FAQ of HDFC Mobile Banking
Do I need to register for HDFC Net Banking to use the Mobile Banking App?
The app is not limited to users of net banking. Customers who have never used Net Banking can use the Net Banking IPIN mentioned in the Welcome Kit. This kit is given at the time of account opening.
Does Mobile Banking App have OTP auto-read feature?
OTP auto-read facility is available in HDFC Bank mobile banking app on Android and iOS devices.
Is HDFC Mobile Banking App available on Apple phone(s)?
HDFC Mobile Banking App is available on both Android and iOS devices.
Does the service become inactive if the service is not used for a long time?
If the service is not used for 999 days, the customer ID of the user is blocked. The Customer ID can be reactivated by visiting the HDFC Net Banking website or by resetting the Net Banking password through the HDFC Mobile Banking App.
What if the user’s mobile phone is switched off while using the HDFC Mobile Banking app?
The user is automatically logged off after 5 minutes of inactivity. In the event of a sudden switch-off, you will be logged out of your mobile banking account. To use the app again after switching on, the app will again ask for your fingerprint or IPIN, whichever you have set as your preference.
What precautions should users take to ensure that unauthorized payments are not made using HDFC Bank Mobile Banking?
Users need to understand that they alone can initiate and authorize every payment made from their account. They should log out once using the application and should not share their Customer ID and IPIN with anyone.
Also, it is better to use an IPIN instead of a fingerprint because sometimes the touch screen of your device may not work properly. At such times your account may be tampered with.
HDFC Mobile Banking App works on risk-based profiling for each transaction and is highly secure.
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