HDFC Bank Mobile Banking 2024 - Steps to Register Online (2024)

1. Missed Call Recharge - It is possible to get your phone recharged through a simple missed call to the number, 73 08 08 08 08. You need not visit a store or download any app for mobile phone recharge. You can also connect the phone numbers of your family and friends to your account, after which they can also avail this facility.
   1. This is one of the most convenient ways to recharge your phone.
   2. The facility is available for all types of devices.
   3. Transactions are completely secure, as it happens through the account holder’s registered mobile number.
2. mPassbook - This is a brand new feature introduced by the bank in alliance with the MobileBanking facility. With this feature, you can update your passbook through your mobile phone; hence saving you a visit to the bank branch.
   1. With this facility, you can also choose to receive regular transaction updates on your Current and Savings accounts. Additionally, you can get a summary of your fixed and recurring deposits. These details can be viewed on your phone even when you are offline. This feature also enables you to track your expenses and categorize your transactions.
   2. The mPassbook facility is only available for iOS and Android users presently.
   3. The Interactive Statement feature of mPassbook allows you to tag transactions and view a break-up of your expenses and credits.
3. SMSBanking - In case you do not have a data plan activated on your phone, or if you are not in possession of a smartphone, you can still avail Mobile Banking benefits through SMS banking. This facility allows you to check your account balance, and view account statement and mini-statement by sending an SMS.
4. Toll Free Mobile Banking - Using this facility, customers can dial the bank’s toll-free number from the mobile phone registered with the bank for SMS Banking.

Benefits of using HDFC Bank Mobile Banking:

1. The Mobile Banking facility provides you the same level of security as the HDFC Net Banking feature.
2. If you have registered for SMS Banking, you can avail services both in Hindi and English.
3. SMS Banking is offered absolutely free of cost. You do not incur any airtime charges for this service, as you are only using the SMS facility. However, you may have to bear a nominal Value Added Services fee for the SMS.
4. You can initiate an exhaustive set of financial transactions using the Mobile Banking facility. Some of these include placing a request for a cheque book, fixed deposit enquiry, account statement request, request for NetBanking IPIN, etc.
5. If you have international roaming activated on your phone, you can access your bank account through SMS Banking from anywhere in the world.

How to Register to HDFC Mobile Banking Services?

To use HDFC's mobile banking services, you are required to have a net banking customer ID and IPIN provided by the bank. Using these credentials, you can easily log in to the app. HDFC Bank also allows customers to use a 4 digit Quick Access PIN (QAP) to log in to the app. Alternatively, you can also set up biometric log in for the app.

How to Login to HDFC Mobile Banking App?

To login with HDFC's mobile banking services, follow the steps mentioned below:

1. Visit the Android or iOS app store and download HDFC's mobile banking app.
2. Use your net banking customer ID and IPIN to log in to the app.
3. These credentials are provided to you with HDFC's welcome kit when you open an account with the bank.

How to set up the Quick Access PIN?

To set up the Quick Access PIN (QAP), follow the steps mentioned below:

1. Visit the Android or iOS app store and download HDFC's mobile banking app and click on the 'SET UP QUCIK ACCESS PIN' visible on the screen.
2. Enter your customer ID and mobile number and click on 'Continue'.
3. You will receive a one-time password (OTP) on registered mobile number and click on 'Continue'.
4. Enter the OTP and provide your debit card details and ATM pin. Click on 'Continue'
5. Enter the new PIN and retype it for confirmation. There is also an option to enable fingerprints as a way of authentication, you can choose that.

How to change the Quick Access PIN when logged in Mobile Banking?

Customers can easily change the QAP by following these steps:

1. Log in to the app and select 'Your Profile' from the menu.
2. Select 'Security Center' and tap on 'Manage Quick Login Method' from the options.
3. Tap on the 'Change' option and enter the current QAP.
4. Enter the new PIN and retype it to confirm the PIN.
5. After successfully completing these steps, you can log in to the app with the new QAP.

How to Reset the IPIN when logged in Mobile Banking?

To change HDFC Bank's IPIN, customers must follow the steps mentioned below:

1. Log in to HDFC's mobile banking app.
2. Go to the menu and select 'Your Profile' and tap on 'Security Center'.
3. Select 'Change Password/PIN' option.
4. Enter the old IPIN and create a new one.
5. Confirm the new PIN.
6. After completing these steps, you can log in using the new IPIN.

HDFC Bank fund transfer options:

If you have an account at HDFC Bank, you can transfer funds through several authorised methods:

• e-Monies Electronic Funds Transfer - This is a facility through which you can transfer funds nation-wide, from any bank branch to another. This method of funds transfer is easier, faster (as there is no requirement for cheques or demand drafts), and more convenient than the conventional options.
• RTGS Funds Transfer - This method of funds transfer can be performed between banks, and the transaction is done in real-time. Since real-time funds transfer is facilitated, it is faster than other methods. Settlement cycles are also quicker and the facility covers wider boundaries.
• Visa CardPay - You can pay a VISA credit card bill using this facility, irrespective of the bank that issued the bill. The service is quick and efficient and can be conveniently accessed from your office/home. The payments are processed at negligible costs and are safe and secure.
• IMPS - The Immediate Payment Service from HDFC Bank is an instant electronic fund transfer service that happens in real time. This service enables you to send and receive money on Bank Holidays, Sundays, or even late at night. The money that is transferred is credited directly to the beneficiary account.
• Unified Payment Interface (UPI) - Through UPI, you can transfer funds in a safer, faster, and hassle-free manner, through a Virtual Payment Address (VPA). You do not need to divulge your personal details such as mobile number, IFSC code, or account number for initiating transactions. Transactions are all secure, as they are authorised through an MPIN, that is known only to the customer. The UPI also allows you to request for fund transfers, unlike other facilities.

HDFC Bank Fund Transfer – Timings, Charges, and Limits:

1. Note: NEFT transactions done online are free w.e.f 1st Nov 2017.
2. A maximum of Rs.2 lakh per transaction can be transferred subject to TPT limit.
3. (Multiples of Rs.2 lakh up to the TPT limit chosen by the customer. Maximum up to Rs. 50 Lakh)
4. For new beneficiary, you can make a transaction maximum of Rs. 50,000 in first 24 hrs.

Note: NEFT is now available 24*7, 365 days. The settlement to beneficiary will be done as per RBI batches

Transaction charges for RTGS from HDFC Bank Branches - Rs 15 + Applicable GST:

1. Note: RTGS transactions done online are free w.e.f 1st Nov 2017.
2. Minimum transaction limit: Rs. 2 Lakh
3. Maximum transaction limit: Maximum upto Rs. 50 Lakh per day through NetBanking

1. Visa CardPayThe limit for Visa CardPay per transaction is Rs.49,999. Also, a fee of Rs.5 (taxes extra) will be applied to each transaction done through Visa CardPay.
2. IMPSYou should add a beneficiary for IMPS funds transfer. After the addition, you can initiate transfers as per the limits below:

1. Note:
2. There are no charges for inward IMPS transactions, only outward IMPS are charged.
3. With effect from 15th March 2021, IMPS Fund Transfer Service is free for all Imperia & Preferred Customers.

Transaction limits are as follows:

Maximum: ₹ 2 lakhs per transaction

1. IMPS using Account number Maximum limit per transaction - Rs 2 lakhs Maximum amount in a day as per the TPT limits
2. IMPS using MMID NetBanking and MobileBanking: Rs 5000 per day per Cust ID (on either of the channel) Note: Limit of Rs 5000 applies on transactions from either of the channels but not from both the channels.
3. IMPS using USSD For USSD channel Limit is Rs 1000 each for IMPS fund transfer using MMID and IMPS Fund transfer using Account number.

1. UPIThe limit for each transaction on UPI is Rs.1 lakh. The daily limit is Rs.1 lakh, as well. Also, there are no charges for UPI transactions.

HDFC Bank Mobile Banking: Security Measures:

1. There will not be any information stored on your SIM card or mobile phone. So, in case the phone is stolen or misplaced, your account is completely safe and will not be compromised. Additionally, you can call up customer service and report the theft of your phone. The bank will then deactivate your IPIN and a fresh one will be issued.
2. Only the customer can login to his account with the Customer ID and the Internet PIN (IPIN) that is a confidential field. All account information will be stored in a 128-bit SSL protected format.
3. If the IPIN is entered five times incorrectly in a consecutive manner, the bank blocks the use of the IPIN.

HDFC Mobile Banking: Do’s and Dont’s:

Here is a list of pointers that you need to follow when you use HDFC Bank Mobile Banking:

Do’s:

1. Always protect your mobile phone with a secure password. You should also look to set a maximum number of incorrect password submissions to three.
2. When selecting a password, make sure it is strong with alphanumeric and special characters so that your data is safe.
3. You should frequently check your account statements for transactions that are unauthorised.
4. Your IPIN should be changed on a regular basis.
5. If your phone is stolen or lost, report the same to the police and your service provider immediately.

Dont’s:

1. You should never share your confidential information or PIN with anyone. Take care not to reveal this over the internet or the phone at any point of time.
2. Do not fall prey to links at social networking sites or in emails that claim to be from the bank.
3. Never transfer funds to a recipient without proper verification. You should be aware that once funds are transferred, the process cannot be reversed.
4. Don’t store critical information like mobile banking password, user ID, credit card details, etc. anywhere on your phone.
5. When your mobile number changes, you should inform the bank of the same, and update your registered number with the bank.
6. Don’t write down PINs or retain any information from the bank that specifies your password or PIN.
7. Be very careful when you accept offers like caller tunes or download attachments from unknown sources.
8. Do not use bluetooth devices in public places, as your confidential information may be compromised.
9. Be cautious when you browse through unfamiliar websites.

HDFC's Missed Call Mobile Recharge:

In March 2016, HDFC Bank launched a service to help customers recharge their prepaid mobile number through a missed call. To activate the service, the HDFC account holder should send the following SMS from the mobile number registered with the bank:

ACT

The SMS should be sent to 73 08 08 08 08.

The default amount set for mobile recharges is set at Rs.50. The customer can also set a specific amount to be recharged. The amount should range between Rs.50 to Rs.250. To change the default recharge amount the customer should send the following SMS:

Additionally, customers can add up to 4 mobile numbers under this service. To add a new phone number to the service, the following SMS should be sent to the number mentioned above:

< last 5 digits of the HDFC account number>

Once the service has been activated, the customer can give a missed call to the same number. The amount recharged is deducted from the customer's bank account.

HDFC Bank Customer Care Numbers:

1. NRI Phone Banking

Assistance for NRIs opening accounts (Toll Free):

Queries from existing customers (24x7):

1. Local Phone Banking numbers are as follows:

HDFC Mobile Banking App:

The rise of Mobile Banking has led to a shift from traditional Branch Banking and even Net banking, with some banks going completely digital without any physical branches. HDFC Bank, a leading private sector bank in India, has also adopted technology to enhance its customer experience. It offers several Mobile Banking apps to simplify banking for its users, including the HDFC Bank Mobile Banking App for retail banking and HDFC Bank PayZapp, which allows users to link their credit cards and pay bills, recharge phones, and send money with just one click.

Key Features of HDFC Bank Mobile Banking App:

The HDFC Bank Mobile Banking App is designed to provide customers with a range of features that make banking easy, secure, and convenient. With the app, customers can perform over 120+ banking transactions without the need to visit a branch or use a computer. The app ensures high-level security encryption to safeguard customer data and personal information.

One of the key benefits of the HDFC Bank Mobile Banking App is the convenience it offers. Customers can access the app anytime, anywhere, and from any device with an internet connection. This allows them to check their account balances, transfer funds, pay bills, and perform other banking transactions from the comfort of their home, office, or while on the go.

In addition, the app offers a user-friendly interface that is easy to navigate, making it simple for customers to perform their banking tasks quickly and efficiently. The app also allows customers to customize their account settings, set up alerts and notifications, and track their transactions in real time. Overall, the HDFC Bank Mobile Banking App is an essential tool for customers looking to manage their banking needs on the go.

Benefits of the HDFC Bank Mobile Banking App:

The HDFC Bank Mobile Banking App comes with several advantages that make it a convenient and secure way to manage your banking needs. One of the primary benefits of the app is its quick and secure log-in process, which uses multi-level authentication for every transaction to ensure your data remains safe. The app also features fingerprint login, eliminating the need to remember passwords or PINs.

Another advantage of the app is its Single View Dashboard, which provides an all-in-one view of your accounts and holdings with HDFC Bank. The dashboard displays information such as available balances, credit card details, fixed deposits, and utility bills due, making it easier for you to manage your finances.

The app also allows for instant funds transfers and auto-selects between IMPS, UPI, or NEFT, depending on the time of day. Additionally, you can create a list of your frequent transactions under the ‘Favourites’ section, so you don't have to look for details each time you make a payment.

With the HDFC Bank Mobile Banking App, you can also pay utility bills instantly, set up automatic payments, link and view all your credit card transactions, hotlist lost cards, and manage your investments. The app also provides value-added services like updating your profile information, applying for new accounts, credit cards, or loans, buying or renewing insurance, and purchasing e-gift and forex cards.

Finally, the app acts as a direct line of communication with your relationship manager, allowing you to connect with them easily with a single click. Overall, the HDFC Bank Mobile Banking App provides a seamless and secure banking experience, making it a convenient choice for customers.

Here is a table describing the advantages of using the HDFC Bank Mobile Banking App:

How to download and register on the HDFC Bank Mobile Banking App?

Here are the detailed steps to download and register on the HDFC Bank Mobile Banking App:

1. Step 1: Go to the Google Play Store or Apple App Store on your smartphone.
2. Step 2: Search for ‘HDFC Bank Mobile Banking’ and download the app.

1. Step 3: Once the app is downloaded, open it and select ‘Register’ to begin the registration process.
2. Step 4: Enter your Customer ID and registered mobile number. You will receive an OTP (One Time Password) on your registered mobile number.
3. Step 5: Enter the OTP and set up a new password for the Mobile Banking App. Make sure to create a strong password.
4. Step 6: After setting up the password, you can log in to the app using your Customer ID and the newly created password.
5. Step 7: If you want to set up Quick Access PIN or Fingerprint lock, go to the ‘Settings’ option in the app and select ‘Security Settings’. From there, you can set up your preferred mode of login.

Note: Once the registration process is complete, you will have access to all the mobile banking services offered by HDFC Bank, including fund transfers, bill payments, account balance check, and much more. Remember to keep your login details safe and never share them with anyone. Also, make sure to log out of the app once you are done using it.

HDFC Bank Mobile Banking App services:

The app provides an easy and secure way for customers to manage their finances anytime and anywhere. With its user-friendly interface and advanced security features, customers can perform various banking activities without visiting a bank branch or using a computer.

The app offers a comprehensive range of services, including account enquiries, fund transfers, bill payments, and service requests. Customers can also use the app to open fixed and recurring deposit accounts, block their cards in case of loss or theft, and locate branches and ATMs.

The fund transfer feature allows customers to transfer funds instantly using various modes like NEFT, IMPS, and RTGS. They can also manage and regenerate MMID, make credit card payments, and perform other transactions using the app.

The app's service request feature enables customers to request services like primary account change, stop cheque payment, chequebook issue, HDFC debit card pin generation, and apply for a new account, making banking more convenient.

The app's bill payment and recharge feature allows the customers to pay their bills for utilities, mobiles, and DTH services, and even set standing instructions for future payments, providing an easier and hassle-free way to manage their bills.

In summary, the HDFC Bank MobileBanking app offers a comprehensive range of banking services that are easily accessible and secure. Its user-friendly interface and advanced security features make it a popular choice among customers who prefer to manage their finances digitally.

Mobile Banking Features:

1. Enquiry

1. Account balance
2. Cheque status
3. Mini statement
4. Account statement
5. Credit card dues

1. Credit/debit card transactions
2. Credit limit
3. Service Requests
4. Primary account change
5. Stop cheque payment

1. Cheque book issue
2. HDFC debit card pin
3. Apply for a new account
4. Transfer of Funds
5. Funds transfer between own accounts in the same bank or other banks

1. NEFT
2. IMPS
3. RTGS
4. Manage & regenerate MMID
5. Credit card payment

1. Other transactions
2. Branch Locator
3. Branch and ATM locator
4. Bill Payments & Recharges
5. Mobile recharge

1. Utility bill payments
2. DTH payments
3. Standing instructions
4. Other Services
5. Opening of fixed and recurring deposit accounts

1. Card blocking

HDFC PayZapp App:

Features and benefits of the HDFC PayZapp App

1. Payment app: HDFC PayZapp is a payment app that can be used to make various kinds of transactions, such as recharge, bill payment, travel booking, shopping, movie ticket booking, and more.
2. Available for all banks: PayZapp is available for customers of all banks, not just HDFC Bank customers, making it accessible to a wider user base.

1. BharatQR Payments: PayZapp supports BharatQR payments, which can be made using mVisa QR, MasterPass QR, and Rupay QR.
2. Mobile Recharge: You can use PayZapp to recharge your mobile, DTH and data card.
3. Bill Payments: PayZapp can be used to pay utility bills such as electricity, water, gas, and more.
4. Travel Bookings: PayZapp can be used to compare and book flight tickets, bus and hotel reservations.
5. Shopping: You can use PayZapp to shop for various products, including groceries, music, and more.

1. Movie Tickets: PayZapp allows users to book movie tickets online.
2. SmartBuy: PayZapp offers great deals and discounts through its SmartBuy feature.
3. Debit Card Linking: In order to use PayZapp, you need to link your debit card with your PayZapp account. The money is directly debited from your account linked with the card.
4. Proprietary Technology: PayZapp uses proprietary technology that conducts three security checks for each transaction, ensuring the safety of all your transactions.

In any digital banking app, security is a top priority, especially when dealing with sensitive bank details that, if misused, could result in significant losses for both the customer and the bank. HDFC Bank Mobile Banking provides a level of security that is comparable to HDFC Bank Net Banking. The app ensures enhanced security by using 128-bit SSL protection for all information. Moreover, the app does not store any data on your mobile device or SIM card, which means that your account will remain safe and uncompromised even if your phone is lost or stolen. Additionally, if you ever lose your phone, you can contact customer service to deactivate your IPIN and get a new one issued.

1. Overall, HDFC PayZapp offers a wide range of payment options and features, making it a convenient and secure payment app for users.

GST of 18% is applicable on all banking products and services from July 1, 2017 onwards.