ICICI Bank Launches Biometric UPI Payments on iMobile App: Approve Transactions Up to Rs 5,000 Without PIN

ICICI Bank is rolling out biometric authentication for UPI payments on its iMobile app, allowing customers to approve transactions up to Rs 5,000 using fingerprint or facial recognition. This feature removes the need to type a UPI PIN for such payments, aiming to make everyday digital transfers quicker and more secure for users.

ICICI Bank Introduces Biometric UPI Payments Up to Rs 5,000, Eliminates PIN for Small Transactions

Under the new system, users can authorise a range of UPI transactions with biometrics, including person-to-person transfers, QR-based in-store payments, and online checkouts. For any UPI payment above Rs 5,000, the existing UPI PIN will still be required, so higher-value transfers continue to have an extra verification layer.

Biometric UPI Feature Available on Latest iMobile App Versions

The biometric authentication option is available on the latest versions of the iMobile app, with Android users needing version 30 and above, and iOS users requiring version 28.2 or higher. On Android phones, transactions are approved using fingerprint sensors, while iOS users rely on facial recognition through supported Apple devices.

ICICI Bank highlights that biometric authentication for UPI payments is designed to speed up payments in public places while keeping security in focus. The feature reduces the risk of someone viewing the UPI PIN over a shoulder in crowded locations, as users no longer need to key in the PIN for payments within the set limit.

An ICICI Bank spokesperson, said, "Safeguarding our customers' interest has always been at the centre of our operations, and we believe in providing our customers with advanced digital solutions. The introduction of biometric authentication is aligned with current regulatory guidelines, and marks a meaningful step towards enabling a more secure and seamless payment experience. By leveraging device-level biometric verification on iMobile, we aim to further strengthen transaction security while ensuring ease of use. Customers also have the flexibility to choose between PIN-based and biometric authentication, based on their preference and convenience."

ICICI Bank explains that the system relies on device-level biometric data already stored on the phone, rather than fresh biometric records. Customers can enable biometric authentication for UPI payments only on chosen accounts within iMobile, giving users control over where the feature is applied and how each UPI-linked account is accessed.

How to Enable ICICI Bank Biometric Authentication for UPI payments

Users of iMobile can switch on biometric approval for UPI payments in a short setup process. After logging into the iMobile app, customers must head to the UPI payments section and open UPI settings. From there, they can choose the account, opt to use biometrics for payments, and confirm the change with an existing UPI PIN.

Once the UPI PIN is entered for verification, the app prompts confirmation of the device’s stored biometric data, completing activation for that account. The steps for enabling biometric authentication for UPI payments can be outlined as follows:

Step	Action
1	Log into the iMobile app
2	Open UPI payments and select UPI settings
3	Choose the account number for biometric approval
4	Select “Use biometric for payments” and tap “proceed”
5	Enter the current UPI PIN for verification
6	Authenticate using the device-level biometric prompt

With biometric authentication for UPI payments now active on supported iMobile versions, ICICI Bank customers can complete many daily transactions using fingerprint or facial recognition, while still relying on UPI PINs for larger amounts. The feature combines regulatory compliance, device security and user choice within the bank’s digital payment ecosystem.

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