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ICICI Pockets App

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It's a VISA-powered e-wallet that any bank customer will use to recharge their smartphones, transfer money, shop everywhere, pay bills and much more.
ICICI Pockets wallet even comes with a physical shopping card that can be used to shop at any store or website. You can install the Pockets app and immediately create your wallet-it's accessible everywhere you go-right in your pocket. Instantly fund it with every debit card or Internet Banking and it's ready to go. You can buy online at any Indian website with the VISA-powered  Pockets wallet, or get a Pockets Physical Card to purchase at shops.

You may also use the mVisa or touch & pay option on Pockets to pay directly from your mobile at the shops. With Pockets Bank e-wallet, not only you send money to bank accounts from your mobile phone, but you can also tap and pay for your mates and even request money from them. There's a selection of specially curated offers from brands you love right from the app. There's so much more that you can do with Pockets – recharge your smartphone balance, book movie seats, pay bills, physical/e-vouchers gifts and split expenditures with mates. Customer service is only one tap away with the chat functionality integrated into the app. You may also call the customer care service for any queries.

How to Download ICICI Pockets in Mobile Phone?

The ICICI Pockets run by the ICICI Bank can be downloaded either on the Apple or Android-based mobile phones.

One need not be an account holder of ICICI Bank to download the pockets and use it. Users can go to the search option in their mobile phones and can download the app from Google Play Store and register for the same after providing the necessary details. 

How to Register and Login for ICICI Pockets?

Step 1: Firstly download the ICICI Pockets on your smartphone. 

Step 2: Log into your Facebook account and search for ICICI Bank.

Step 3: After registering, the user will be asked to grant permissions for completing the registration process successfully. 

Step 4: After the user provides the required permission, by answering all the questions, they will be able to see the main application page. 

Step 5: Now click on the ‘Register Now’ button.

Step 6: Now the user will be asked details about their debit card number followed by the PIN

Step 7: After you provide all the required details related to your debit card, you will have to set a password.

Step 8: Now set a 4 - digit numeric password

Step 9: If it is a joint account, then the user will have to enter the internet banking user ID.

Step 10: Now login to the ICICI Pockets and do all kinds of online transactions instantly.

Safety and Security on ICICI Pockets

When it comes to online banking security ICICI Bank has not left any questions unanswered regarding their customers' comfort and security. Pockets is a quite secure application that you can use to perform your banking operations, because: 

  • All transactions that are made via Pockets take place on the secured server of ICICI Bank. 
  • Once you submit your debit card details and PIN you are registered with ICICI Pockets, which means your safety is in your hand. 
  • ICICI Pockets is secured by a 4-digit numeric code that you created during activation, which you will be asked to enter whenever you will go to log in. 
  • For added security, a unique One Time Password(OTP) is sent to your registered mobile number each time you make a transaction.
  • ICICI Bank does not disclose any personal details, account balance, or transaction details with Facebook through Pockets. After registration ICICI Bank only posts a text on your screen. You have to directly share it on Facebook if you want to share all of your other activities on the app. 

Process to make payments through Pockets

For initiating a payment request: 

  • Open the Pockets app and log in to your account using the credentials
  • Now tap on the 'UPI' option and then tap on 'Send Money using VPA (UPI)'.
  • Now enter all the required details, amount and remarks. If you maintain multiple accounts or virtual payment addresses, pick the VPA that you want to debit and then tap on 'Submit'
  • Now verify the details and tap on the 'Confirm' option to initiate your fund transfer.

For accepting a payment request 

  • When you have to receive a payment order, you will be notified on your phone
  • Now login to Pockets and tap on the 'UPI' section
  • Now under the UPI section tap on Respond to Collect Request. 
  • Make sure that you check the request for collection by the merchant/person before accepting it and choose the VPA from which you want to make the payment.
  • If you have picked an ICICI bank account, the account will be debited by clicking on the 'Confirm' icon. If you have selected another bank account you will be asked to enter the bank account's UPI PIN. This is the MPIN you might have created in Pockets when you registered that account.
  • Once these details are submitted and verified, funds will be instantly transferred to the recipient.

Features of ICICI Pockets

ICICI Pockets- The most robust mobile wallet to Pay Everyone, Shop Everywhere. Pockets is India's first app to deliver payments through UPI, NFC, and Bharat QR code. You instantly get a free virtual VISA card with Pockets wallet which can be used for shopping on all websites/apps. You may also apply for a physical card, which can be used in shops. You can also recharge your smartphone or DTH prepaid service and pay the electricity bills right from the app. With Unified Payment Interface (UPI) you can safely transfer money to bank accounts, your contacts or virtual payment addresses. Apart from this, you can upgrade right from the app to a Pockets Savings Account to get a debit card to make deposits. With newly added payments through UPI feature, you can now use UPI to transact (send and receive money) and manage your Pockets Virtual Payment Address or VPA. UPI can also be used to pay merchants. Scroll down and know the key features provided by ICICI Pockets.

  • The Pockets pre-paid wallet is a VISA card that can be used to purchase on websites such as Amazon or Flipkart. You can also get a physical card to make a purchase at shops. Also, you can use the ICICI Pockets to transfer funds without sharing the debit/credit card info.
  • Pockets is India's first app to allow contactless payments in-store by simply waving your mobile near to Near Field Communication (NFC) enabled merchant terminals. It utilizes the Host Card Emulation (HCE) technology to make the transaction complete.
  • With ICICI Pocket App you can create your wallet conveniently and make it accessible anywhere you want. Add money to the wallet instantly and make it use, right from your comfort.
  • You can shop online at any Indian website with the VISA-powered Pockets wallet, or else you can also get a Pockets Physical Card to purchase at shops. You may also use the mVisa or touch & pay option on Pockets to pay instantly from your mobile at the shops.
  • You can also transfer money to your bank accounts, friends, family with simple steps through Pockets bank e-wallet. Additionally, you can also request money from your dearest one in case of any emergency. 
  • Make your lifestyle more premium as you are covered with amazing deals and offers by the selected brands.
  • More you want from the Pocket? Yes, you can also recharge your smartphone, book tickets for travel, book movies on weekends, pay your utility bills, get vouchers and gifts, and also split your expenditures with your friends or family.
  • Customer support is only a tap away with chat functionality integrated into the app or else you can also call to 24*7 Customer Support desk to solve your issues.

Key Benefits of ICICI Pockets

You instantly get a free virtual VISA card with Pockets wallet which can be used for shopping on all online outlets / apps. You may also offer a physical token which you can use in shops. In addition, you can recharge your mobile or DTH prepaid connection and pay the utility bills from within the app. Using Unified Payment Interface (UPI) you can securely send money to bank accounts, your contacts or virtual payment addresses. This is not all, users can unlock right from the app to a Pockets Savings Account to get a debit card and generate deposits. Payments are enabled by UPI. You can now use UPI to transact (send and collect money), and manage your Pockets Virtual Payment Address or VPA. UPI can also be used to reimburse merchants.

Shop Anytime Anywhere

1. VISA Card: The prepaid Pockets wallet is a VISA card that can be used to buy online on platforms like Amazon. Additionally, you will also get a physical card for shopping at offline stores. You can use this physical card for making payments without revealing your current debit/credit card details. You can also use the mVisa or touch & pay option on Pockets to pay directly from your mobile at the shops.

2. Pay anyone anytime: With ICICI Pockets e-wallet you can send money not just to bank accounts, mobile phone, but also to your nearest and dearest with a single tap. Apart from this, you can also raise a request to receive money from your friends.

3. Exciting Deals: There's a collection of hand-picked deals from the selected brands that you love. Experience the offers and deals right from the app without leaving your comfort.

4. One App Multiple Benefits: For maintaining the uninterrupted lifestyle you can make recharge for your mobile, book movies and travel tickets, gift physical/e-vouchers and get an option of splitting the bills with your friends.

5. Instant Support: Customer service is only one touch away with chat functionality integrated into the app. You can also get in touch with the customer care service for instants help.


ICICI bank is now part of the Unified Payments Interface (UPI) network and can be accessed through the current ICICI Bank iMobile application or the 'Pockets' app. The UPI service can also be accessible via 'Pockets' by non-ICICI Bank customers. Customers can use a virtual account, known as a Virtual Payment Address (VPA), to transfer and receive money via this application. No need to go through the complicated method of inputting a payee's bank information to transfer money. It not only shortens the time of transaction but also minimizes the need to provide third parties with personal banking details. The key advantage of the ICICI Pocket App is, it can be downloaded and used by non-ICICI customers also. 

The National Payments Corporation of India (NCPI) has launched UPI in order to promote cashless and digital transactions in India. The platform is sponsored by Reserve Bank of India (RBI) and through UPI, ICICI Pocket users can send and receive money across India in a convenient, efficient, and reliable method. Customers can simply download a UPI application such as iMobile (for ICICI banking customers) or Pockets (for ICICI / non-ICICI banking customers) and generate their Virtual Payment Address (VPA) like abcd@icici to start utilizing UPI.

Customers need to generate a Virtual Payment Address (VPA) of their preference to use UPI. The Virtual Payment Address (VPA) is needed to be linked to any bank account. VPA serves as the financial needs by which users are not required to remember beneficiary account number, IFSC codes or net banking user id/password to receive and transfer money. 

Process to generate VPA using Pockets

UPI allows the bank holders to transfer and receive money by utilizing the VPA (Virtual Payment Address) without providing specific bank details. All you need is a VPA to start using UPI as the method of payment. A Virtual Payment Address (VPA) is a unique number that enables UPI to track an individual's account. A VPA is generated by linking the bank account details to the mobile application of the same bank. Follow the steps below to create a VPA using ICICI Pockets app.

  • Launch the ICICI Pockets app on your mobile and tap on UPI 
  • Now go to the 'Manage' section and tap on 'Add my Bank Accounts'.
  • Enter the prefix you wish for, for example. abcd@icici, and verify for the availability of the ID.
  • Now tap on 'Continue' and select your bank account
  • You can set a default account if you plan to link multiple bank accounts to the same VPA
  • Now generate an MPIN and this can be used to make transactions from the same account.

ICICI Pockets Savings Account

You will get the ease of using Facebook for banking with the ICICI pockets. Pockets strive to increase the whole savings and banking cycle more interactive and engaging. ICICI Pockets consumers experience a variety of online purchasing and other debit-card exclusive offers.

Outlines of ICICI Pockets Savings Account

  • Name of the Bank- ICICI
  • Minimum Balance Required- NIL
  • Interest Rate Charges- 4% per annum
  • Offers and Benefits- Personalized Pocket Debit Card with amazing offers
  • Eligibility Criteria- You must be an Indian with a minimum age of 18 years for opening ICICI Pockets Savings Account.

Benefits and Features of ICICI Pockets Savings Account

  • You can install the Pocket app on your mobile from your comfort. You can create a wallet instantly and manage your wallet by using net banking and debit cards on the go.
  • You can get amazing offers from chosen brands that are accessible from the Pocket app.
  • Pockets is operated by VISA which ensures you can do shopping more conveniently at any online shopping website across India. And also you can get a personalized Pockets card to use at nearby retailers and shops, too.
  • Customer service is built by chat medium, which means you ask your queries just by typing it on the chatbox.
  • You can transfer funds directly from the app to all of your phone directory, mailing list, Facebook friends and bank accounts.
  • No minimum amount is required which means you can manage your accounts more conveniently.

Eligibility Criteria for ICICI Pocket Saving Account

  • The applicant must be an Indian
  • The applicant must have a minimum age limit of 18 years
  • The applicant must have all the required documents such as Aadhaar Card, PAN Card, Residence Proof and Income Proof

Applicable Charges for ICICI Pocket Saving Account

Non-ICICI ATMs Transactions:

  • First three transactions per month for (both financial and non-financial) are free in six Indian metro cities.
  • First five transactions (both financial and non-financial) in a month across India are free
  • After crossing the mentioned threshold, a sum of Rs 20 for financial transactions and Rs 8.50 for non-financial transactions will be charged

ICICI ATM Transactions

  • First five transactions (both financial and non-financial) in a month are free. After this, the same fee structure that is paid for non-ICICI ATM transactions will be charged


  • Debit Card fees new and joint account holder- Rs 150
  • Cheque book charges- The first cheque book is free of charge. and after that Rs 20 is charged for a cheque book of 10 leaves
  • SMS Notifications- Free for lifetime

Using Touch and Pay feature make NFC payments through ICICI Pockets

Touch & Pay mobile payment solution by ICICI Bank enables you to make convenient and secure payments at retail stores using your mobile device. The new 'Touch & Pay' method on the Pockets app allows you to simply tap your smartphone at a merchant terminal enabled by NFC (Near Field Communication) and make the payment using registered ICICI Bank Debit / Credit Card. Not only this you can also get 20% cashback for making payments at stores using ‘touch & pay’ feature. 

Benefits of 'Touch & Pay'

Fast and convenient: Payments are rendered instantly by merely tapping the mobile device over the POS terminal. 

No need for a physical card: No need to carry a physical card with you, just open Pockets app in your mobile and use touch & pay feature to make the payment on the go.

Safety and security of the card details: At the time of payment, your actual card details will never be shared with the merchant. For any purchase made at a retail store utilizing this service, the Bank's server generates a one-use unique token, which is sent to the retailer through encryption, and thus secure both the original and the virtual card information.

Block your card in case of mobile lost: In case you lost the mobile device you can get in touch with the 24x7 customer care service and block your card and even lock your Pockets app on your missing mobile device

What do you need to make NFC Payments through Pockets ‘Touch & Pay’ feature?

  • An NFC enabled smartphone with Android 4.4 OS or above.
  • A running ICICI Debit Card or Credit Card
  • Installed Pockets app in the smartphone.

Process to activate ICICI Bank Debit/Credit card to use ‘Touch & Pay’ feature

  • Download and install Pockets by ICICI Bank app from the default app store of your mobile.
  • Log in to the app using credentials such as mPIN or net banking user id and password.
  • On the home screen, tap on the touch & pay icon.
  • Select an ICICI Bank Debit/Credit cards from your account and add it to touch & pay.
  • A virtual card will be generated instantly which you can use for NFC payments.

How ‘Touch & Pay’ feature work?

  • Open the Pockets app and log in to your account.
  • Now on the home screen tap on the icon of touch & pay.
  • Now select any of your added ICICI Bank Debit or Credit Card from the list.
  • Now hold your mobile near the merchant terminal and you are done.

Scan to Pay using Pockets

By using your mobile pay at retail outlets via ‘Scan to Pay’ feature on Pockets app which enables you to make instant payments by scanning a 'Quick Response' (QR) code at the merchant outlet. The transaction initiated are done with enhanced security and the card details remain confidential for the customer. The 'Scan to Pay' function helps retailers to accept online payments without having an EDC or a POS. Any holder of VISA, Mastercard or Rupay card may use this functionality by linking their cards to the Pockets application.

Process to make payment using 'Scan to Pay'

  • Open the Pockets app in your mobile and login to the app using your user id and password.
  • Now select Scan to Pay' feature on the dashboard
  • Once you tap on the feature the app opens the camera automatically.
  • Scan the QR code hanged or displayed at the outlet of the merchant
  • Now select the payment method from Visa, MasterCard or Rupay cards.
  • Now enter the payment amount and card PIN to complete the payment
  • Once the transaction is completed, you as well as the merchant will get a successful message on the mobile.


1. Who can register on this ICICI pocket app?

Ans: ICICI Bank customers who hold a non-resident savings account with a valid debit card can register for this application.

2. How can I register for this app?

Ans: Simply log into your Facebook account and search for ICICI Bank, click on Pockets By ICICI Bank and register.

3. What is the procedure to register for the ICICI pockets application?

Ans: Follow the steps below for registration:
Login to your Facebook account and search for ICICI pockets in the search bar Click on "GO TO APP"You will need to grant the requested permissions during the process to complete your registration successfully the main page of the application will open showing all the features offered click on the "Register Now" button register by entering your debit card number and ATM PIN code. Set your 4-digit digital password for this appIn the case of a joint account, please enter your Internet Banking user IDThis PIN code will also give you access to the application in the future.

Q: Will this app also work on the mobile browser and the Facebook mobile app?

Ans: The ICICI Bank pockets application accessible via the desktop version of Facebook.

Q: How to reset the 4-digit login password for ICICI bank pockets?

Ans: You can reset your password by clicking on the forgot your password link on the login page. You will need to re-enter your debit card details for authentication.

Q: Can I use the new debit card to access pockets?

Ans: In case you were registered with your old debit card, you will have to unsubscribe from Pockets by clicking on the "Unsubscribe" option on the login page. You can now register in your pocket using your new debit card.

Q: What services are available on the ICICI Pockets Desktop application?

Ans: The following services are available on Pockets by ICICI Bank.

See all relations with ICICI Bank: Account summary, account details and mini-statement from your savings account, Know credit card details, payment fees, view card statements, including old statementsDemat account statements.

Q: How to complete KYC?

Ans: KYC minimum: will take a self-declaration of any legal identity document issued by the government and will allow you to access your Pockets wallet for the next 12 months. However, you will not be able to transfer funds until you have completed the full KYC from the Pockets application.

Full KYC: will finance the portfolio as well as P2P transactions. The process to complete Full KYC includes:

  • Make an appointment with our biometric partner
  • You will receive a unique reference number (URN) by SMS when making an appointment, and you will have to share this URN with the manager who will visit you to complete your biometric KYC
  • The manager will communicate with you at the address provided by you when making an appointment and will take your biometric details which will be authenticated via UIDAI.
  • Once this activity is completed, your Pockets wallet will be "fully KYC compliant".

Q: Why do I receive a message - Can't make an appointment?

Ans: You get this message because you may have entered an incorrect document ID, or the document ID you entered may have already been saved with the Pockets application. Please cross-check if the details are entered correctly or not. If you have already shared the same document ID for another pocket wallet, you will not be allowed to use it according to RBI guidelines.

Q: What is the validity time for minimum KYC in ICICI pockets?

Ans: The validity for minimum KYC in ICICI pockets is 12 months.

Q: What is the security level of the “ICICI bank pockets”?

Ans: The following measures will ensure that your transactions are secure on "Pockets by ICICI Bank":

  • Please activate the option "Browse Facebook on a secure connection (https) possible" if you have not already done so. The option is available in your Facebook account under Settings >> Account settings
    Security >> Secure Browsing
  • You can see a lock symbol on the address bar of your browser when you access "Pockets by ICICI Bank", this indicates that all communications between Facebook and our server are SSL secured
  • To register your account in "Pockets by ICICI Bank", you must first authenticate yourself with the debit card number and the ATM pin
  • You will know which of your friends have registered this application.
  • Each time you connect to your "Pockets by ICICI Bank" account, you must authenticate yourself with a 4-digit password defined by you during registration.
  • 2-layer secure access - We provide double security to your account because the account is only accessible after logging in to your Facebook account and entering the PIN code that you have defined. Do not share your PIN code with anyone.
  • Single account/registration - We ensure that your identity cannot be misused by others because once you are an active registered user, another account with your contact details cannot be created by anyone.
  • One on One - There can only be one registration associated with each Facebook account.

Q: I cannot open/view the application on my Facebook account. Why?

Ans: The app will not work if Secure browsing is not enabled in your Facebook account. To enable secure browsing, go to Account settings >> Security >> Enable secure browsing.

Q: I have not registered for any application. However, I received a Pockets registration message from ICICI Bank. What do I need to do?

Ans: Someone may be trying to take over your account. Block the application by calling ICICI pockets Customer Service.

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