Pockets by ICICI Bank FAQs

1. Can this app be used by all existing ICICI Bank customers?

Pockets app can be accessed by the existing ICICI Bank Savings Account customers by using their Internet Banking User ID & Password.
The app will not be accessible to NRI account, YoungStar account & Direct Banking (b2) customers.

2. I am an existing ICICI Bank Savings Account customer. Can I access the Pockets app without creating a wallet?

No, you will not be able to access the Pockets app to view your existing relationships without creating your Pockets wallet.

3. If I create a Pockets wallet using my Internet Banking User ID & Password, will I be able to access www.icicibank.com with the same User ID & Password?

Yes, you will still be able to login to www.icicibank.com using the same User ID & Password.

4. I have an active Loan/Credit Card relationship with the bank and also have an Internet Banking User ID & Password. Can I access the app using the same credentials?

Yes, you can access the Pockets app and create your wallet. Your existing Loan/Credit Card relationship will not be visible on the Pockets app. You can view/access these accounts using www.icicibank.com

5. I changed my User ID & Password using Pockets. Will this change also reflect in www.icicibank.com?

Yes, the User ID & Password is interoperable. The changed password onwww.icicibank.com will reflect in Pockets and vice –versa.

6. I have various linked ICICI Bank relationships with my existing User ID, Will I be able to view all of them on Pockets?

With the Pockets app you will be able to view your linked Savings (excluding NRI, YoungStar & Direct Banking (b2)) and Deposit relationships. The rest of the linked relationships can be viewed & accessed using www.icicibank.com

7. I am unable to login to Pockets with my existing ICICI Bank user ID & password.

Possibly such an issue may occur if you are mistyping your ICICI Bank user ID & password credentials. Kindly regenerate your password or procure your existing user ID using

You can register for E-statement facility by applying Online through an option available through Internet Banking.

Alternatively, you can click here to download the 'Registration Form' and mail it to our India address:

ICICI Bank Limited,
RPC Mumbai,
5th Floor, A-Wing, Autumn Estates
Chandivali Farm Road, Chandivali
Land Mark:Next to Chandivali Studio, Opp MHADA
Andheri-East,
Mumbai- 400072
INDIA

If you are an NRI in USA, UK, Canada, Australia, Singapore and UAE, you can simply post your documents to the local P.O. Box in your respective countries and save on courier charges.

You can also visit any ICICI Bank branch in India and submit the registration form.To refer to the updated list of our branches please, Click here

For any clarification or more information, please call us on our 24-hour Customer Care or write to us through "Email us" option, at our website

1. I am an existing ICICI Bank customer. Can I register for Pockets app using the Internet Banking webpage? How?

Yes. Now you can register for Pockets using the ICICI Bank Internet Banking portal. You need to follow the given steps:

• Login to ICICI Bank Internet Banking with your User ID & Password
• Click on the Pockets Account tab under ‘Pockets’ section from the menu and fill in your details - Name, E-mail ID, Mobile number & Date of Birth
• You will receive an One Time Passcode (OTP) for mobile number authentication
• On successful OTP authentication, your digital wallet will be created.
• You can further download the Pockets application and use the login credentials to view your digital wallet.

2. How can I use my pockets wallet on the ICICI Bank Internet Banking portal?

Pockets wallet is now integrated with Internet Banking. You can use the ICICI Bank Internet Banking portal to pay bills or do a prepaid mobile recharge using the funds in wallet.

You can also fund your wallet using ICICI Bank Internet Banking and see your wallet related mini as well as detailed statements.

3. I do not have an ICICI Bank Savings Account, but have registered for Pockets. How can I pay bills using the ICICI Bank Internet Banking portal?

To pay bills using ICICI Bank Net Banking portal, you need to login to the same with your Pockets wallet User ID and Password. Then you can choose to pay bills, enter the relevant details and choose the Pockets wallet as your debit account.

4. I do not have an ICICI Bank Savings Account, but have registered for Pockets. How can I recharge my mobile using the ICICI Bank Internet Banking portal?

To do a prepaid mobile recharge using ICICI Bank Net Banking portal, you need to login to the same with your Pockets wallet User ID and Password. Then you can choose to do a prepaid mobile recharge, enter the relevant details and choose the Pockets wallet as your debit account.

5. How can I add funds to the Pockets wallet using the ICICI Bank Internet Banking portal?

To add funds using ICICI Bank Net Banking portal, you need to login to the same with your Pockets wallet User ID and Password. Click on ‘Fund Transfer’ from the ‘Payments & Transfer’ tab. Further select, ‘Your linked ICICI Bank account/ Pockets wallet’, input the relevant details and choose Pockets wallet as the credit account. Confirm the transaction and the funds will be credited to your wallet instantly.

1. What is Send Money? I have only heard of Fund transfer in banks.

Send money is similar to fund transfer where you can transfer funds from your account (either Pockets wallet or Pockets savings or linked savings account) to anyone “free of cost”. You may or may not know his account details.

2. So who all can I send money to from my Pockets wallet?

You can send money to your contacts on their mobile number or email ID, to your friends on social media (Facebook/ Google +/ Whatsapp), to your registered payees and to any other Pockets wallet.

3. How do I send money from my Pockets wallet account to another Pockets wallet account? Do I need to register the details of the Pockets wallet?

You just need to enter the recipient’s mobile number and you can transfer money from your Pockets wallet to another Pockets wallet instantaneously.

4. In ‘Send money’ there is an option called ‘Tap and Pay’. What is it?

‘Tap and Pay’ is a feature wherein you can transfer funds from one wallet to another by just tapping your phones together. The transfer is done via NFC which is activated when the phones are in proximity to each other. Funds will be transferred from one Pockets wallet to another. This facility is currently available only on Android phones. 

5. Can I also send money to another wallet, which is not issued by Pockets by ICICI Bank?

No. You will only be able to transfer money into a wallet issued by Pockets. Alternatively, you can send money to your contact’s mobile number, e-mail ID or even using social media (Facebook/ Google+/ Whatsapp).

6. How can I send money to my contact via mobile number, e-mail ID or social media?

Pockets allows you to transfer funds to your friends without the need to ask their account details like account number, bank branch, branch IFS code, etc. Through this facility, you can create an electronic coupon by entering their name and mobile number or e-mail ID or selecting your desired social media channel (Facebook, Google+, whatsapp, E-mail, SMS). This coupon can be redeemed by your friend within 3 days by visiting www.icicibank.com pockets.

7. I don't have bank account details of my friends to whom I want to send money. Can I still send money using Pockets?

Yes. You can still send money to your friend using Send Money feature on Pockets. Using this facility you can send money via mobile number, email id or social media.

8. If I send money via mobile number/ e-mail ID/ social media, how will my friend know that I have sent money?

When you send money through this service an electronic coupon is generated of that value. The coupon details are sent to your friend’s mobile number, e-mail ID or social medium (Facebook/ Google+/ Whatsapp) depending on the friend's contact medium selected by you. To redeem the coupon, a passcode authentication will be mandatory which will be sent on your registered mobile number, which you would have to share with the beneficiary.

9. I have received a passcode on my mobile number when I used the ‘Send Money to Contacts’ via mobile number /e-mail/ social medium (Facebook/ Google+/ Whatsapp). What am I supposed to do with it?

You need to pass on this 4 digit passcode to your friend, as your friend will not be able to redeem the coupon unless they have this passcode. This arrangement is done to make the coupon more secure.

10. My friend does not have a bank account. Can he/she encash the Coupon at ICICI Bank branch?

No. Your friend should have a valid bank account. The bank account need not necessarily be of ICICI Bank.

11. My friend also has a Pockets wallet. Can I send money to my friends’ Pockets wallet via mobile number/email ID/social media?

No, You will be able to send money to another Pockets wallet only by entering the Pockets wallet number. Money sent via mobile number/email ID/social media can only be transferred to a valid Bank account.

12. What is Coupon ID?

Coupon ID is a 12 digit number generated by the App when you Send money via Mobile number/Email/Social Medium (Facebook/Google +) to your friend. It is a kind of soft coupon which can be claimed by your friend by placing redemption request of the coupon online at www.icicibank.com/pockets

13. What are Passcodes?

Passcodes are verification numbers that are generated by the app when you ‘Send Money’ via mobile number/ e-mail ID/ social media (Facebook/ Google+/ Whatsapp). For security reasons, we will send a 4 digit passcode to your registered mobile number. You would have to share this passcode with your friend to redeem the coupon.

14. Is sending pass code on social media(Google+/Facebook) safe?

Yes. It is completely safe as the post will be visible to your friend only to whom you want to send money. Also, the money will be transferred only post you share the passcode with your friend.

15. When I transfer money via mobile number/ e-mail ID/ social media, does the coupon have a redemption date?

Your friend can claim the amount within 3 days since coupon creation. On the 4th day, the coupon will be invalid and the coupon amount will be credited back to your account.

16. How much time does it take to redeem money sent via mobile number/email or social mediums (Facebook /Google+)?

If your friend has entered an ICICI Bank account during redemption, then money will be transferred instantaneously to their ICICI Bank account. If your friend entered account number of any other bank, then the money will be transferred within 1 working day via NEFT.

17. My account is debited but I have not received Coupon ID and Passcode.

In such a case money will be refunded back to your account.

18. I have chosen to notify my friend through Social Media (Facebook/ Google+/ Whatsapp) while requesting for money transfer, but I am not able to find my friend’s name in the list?

You will be able to see your friend's name in the list, only if you have added your friend on Facebook or Google+.

19. How will I come to know whether my friend has claimed or redeemed the Coupon?

You will receive an SMS on your registered mobile number when Coupon is redeemed successfully.

20. Is there any amount limit when I am sending money via mobile number/email or social media?

Yes, there is a limit for transferring money via mobile number/email or social media. Maximum limit per transaction is Rs. 5,000 from Pockets wallet & Rs 10000 from Savings account

21. While redeeming the coupon my friend entered a wrong account number, can I stop the transaction and put the correct account number?

No. Once redemption request is placed, it cannot be stopped. Request your friend to take extra care while entering the account details at the time of redemption.

22. How do I redeem the coupon received from my friend?

You will be sent an SMS with the coupon ID and redemption link. You can follow that link. Or you can:

• Visit www.icicibank.com/pockets
• Select Redeem Coupon.
• Read the instructions on the screen and proceed to redeem the coupon

23. Can I redeem partial amount?

No. Coupon can only be redeemed for full amount. Partial redemption is not available

24. I have erroneously entered a wrong account number. Can I stop the redemption?

No. Once redemption request is placed, it cannot be stopped. Please take maximum care while entering your account number

25. The system is not accepting my redemption request, even when I am entering the correct details and pass codes. Why?

This may be due to any of the following reasons: –

• The Coupon, you are trying to redeem has expired. A coupon is valid only for 3 days from the date of its creation.
• The Coupon has been canceled by the system due to 3 consecutive unsuccessful attempt to redeem it.

26. If my redemption request has failed last time, can I redeem the coupon again?

Yes. You can place a redemption request again if it has failed last time, during the validity of the Coupon. Coupon validity period is of 3 days from its creation

27. Do I have to check my Account statement to know whether Coupon has been redeemed successfully?

You will receive an intimation on your mobile, email id or Social media communication if your redemption request is successful. However it is recommended to check your account statement to ascertain whether coupon amount is received in your account or not.

28. I have received the information from ICICI Bank that Coupon is redeemed successfully, but amount is not credited to my account. What should I do?

You can ask your friend to get in touch with our 24 hour Customer Care to ascertain the status of your redemption request.

1. What is iWish?

iWish is an unique deposit which allows you to create goals to save for specific wishes. These goals are flexible Recurring Deposits with the added benefit of contributing any amount, at any point of time. You earn better interest rates on your Recurring Deposit just like a Fixed Deposit

2. Who is eligible to use iwish?

iWish is available only to existing ICICI Bank Savings Account holders & Pockets savings account holders. It can only be created online only via the app or www.icicibank.com However, please note that iWish is not available for only Pockets wallet account holders.

3. Is there any charge for this product?

No, there is no charge for this product. This product and associated services are being offered free of charge.

4. What is the rate of interest?

You earn better interest rates on your Recurring Deposit just like a Fixed Deposit.

5. What if I could not deposit money into a goal in a certain month? Is there any penalty?

No, there are no penalties or charges if you could not deposit money into a goal every month.

6. How is iWish different from the regular Recurring Deposit?

In the regular Recurring Deposit, you are required to deposit money every month on a fixed day. However, in a flexible Recurring Deposit like iWish, you can deposit money at your convenience and as per availability of funds. You can also choose not to deposit any money at all for a month. Besides this, if you have more spare money to save, you can deposit funds multiple times in a month into your account.

7. Does Pockets iWish work in the same fashion as iWish on ICICI Bank?

Yes, iWish on Pockets is the same as iWish offered on www.icicibank.com

8. What if I close my goal midway? Is there any penalty?

You will not earn the interest rate as mentioned at the time of your goal creation. You will earn interest at the rate corresponding to the period the goal remained with the bank. Beside this, penalty of premature closure of account will be levied at the applicable rate.

9. Do I need to have a savings account with ICICI bank to use iWish. Is the Pockets savings account also offered by ICICI Bank?

Yes, if you have savings account or Pockets savings account you will be able to create an iWish.

10. I have a Pockets wallet. I am unable to create an iWish account.

iWish is available only for Savings account customers. Pockets wallet is a prepaid card, so using the prepaid card you will not be able to create an iWish account. You can always unlock higher interest rates offered by iWish by upgrading to a Pockets Saving account.

11. How do I Create my goal?

You can create a goal by tapping on Plan for your goal in iWish Goals section. You can then enter your goal name, goal amount, target date, goal category and sub-category. You need to fund your goal with an initial deposit. On successful goal creation, this goal can be viewed in your Current Goals list.

12. What is the minimum & maximum amount for of my goal amount?

The minimum amount is ₹ 5,000 and the maximum amount is ₹ 10,00,000.

13. What is the minimum and maximum tenure of a goal?

The minimum tenure is 6 months and the maximum tenure is 10 years.

14. What is a funding source?

You can choose to fund your goal through one of the Savings Accounts linked to User ID. These linked Savings Accounts are known as funding sources in iWish

15. How can I deposit money into my goal account?

You can deposit money into your goal account through following means: You can transfer money to your goal account from iWish home page on your app by tapping on “Add Funds”

16. What is the minimum and maximum amount of initial deposit?

The minimum deposit amount is ₹ 500 and the maximum deposit amount is ₹ 49,999

17. Is there any restriction on the type of goal that I can create?

You cannot create goals which are prohibitive or illegal. You can create any legitimate goal. For the sake of simplicity, goal categories and sub-categories are defined under which you can create your goal. We have tried to keep these categories as broad as possible to cover all areas for individual goals.

18. Is there any limit on the number of goals that I can create?

Yes, you cannot create more than 10 active goals. So if you have created 10 goals and all these goals are not yet closed, then you cannot create any further goal. As soon as any goal is closed, you can create a new goal against that goal.

19. What if I am not able to deposit money towards my goal in a certain month? Is there any penalty?

No, there are no penalties or charges if money could not be deposited towards your goal every month.

20. What makes iWish flexible?

The goals under iWish are flexible Recurring Deposits with the added benefit of contributing any amount, at any point of time. You can choose to deposit money at your convenience and you can also choose not to deposit any money in a month. There are no penalties or charges if you could not deposit money into a goal every month. If you have more spare money to save, you can deposit funds multiple times in a month into your account.

21. What if I am not able to deposit money towards my goal in a certain month? Will I continue to enjoy better returns?

There are no penalties or charges if money could not be deposited towards your goal every month. You will continue to enjoy the rate of interest applicable on your recurring deposit on the funds available in your account.

22. What if a goal is not achieved by the end of a goal period? Will I continue to enjoy better returns?

Pockets by ICICI bank does not charge any penalty if a goal is not reached within the goal period. You will enjoy the rate of interest applicable on your recurring deposit on the funds available in your account.

23. What if I achieve the goal early?

You can continue to keep the amount into your goal account till the end of the period for which goal was originally targeted to be achieved. You will continue to get a higher rate of interest for the rest of the period.

24. Can I change my goal later?

You cannot change amount or the period of your goal.

25. How can I manage my goals?

You can see the list of all your goals in the iWish Goals home page in the app. The “Goals” page displays a list of all your Open and Closed goals along with the progress. You will also get SMS alerts when various milestones relating to a goal are achieved such as goal creation, funding of goal, goal closure and goal target progress.

26. What is an Open/ Closed goal?

Open goals are active goals where money can be deposited into the goal. These are shown under the open goals tab on the iWish home page in the app. Closed goals are where money cannot be deposited into the goal. These are shown with a closed goals tab in the home page of the iwish goals page.

27. How can I close my goal?

You can close your goal by tapping on the active goals. This will allow you to edit the goal details & also enable you to close the goal.

28. Will my goal be auto closed once period of goal is over?

No. You have to close your goal

29. What if a goal is not achieved by the end of a goal period?

You can still close the goal. ICICI Bank does not charge any penalty if a goal is not reached within the goal period.

30. Can I close the goal mid way even if it is not achieved?

Yes. You can close the goal mid way even if it is not achieved. In such a case, you will not earn the interest rate mentioned at the time of goal creation. You will earn interest at the rate corresponding to the period the goal remained with the Bank. Beside this, penalty of premature closure of account will be levied on the applicable rate.

31. Can I partially withdraw money from my goal mid way? Will it impact my interest earning?

No. You cannot partially withdraw money from your goal mid way. You can withdraw money mid way by closing your goal. However in this case, you will earn interest at the rate corresponding to the period the goal remained with ICICI Bank. Besides this, an applicable penalty will be charged for premature closure of goal.

32. Can I transfer money from one goal to another goal account?

No. You cannot transfer money from one goal account to another goal account.

33. Can I transfer money to my goal account even if goal amount is achieved?

No. Once your goal amount is achieved, you will not be allowed to deposit money into your goal account.

34. Is there a minimum tenure to achieve the goal? Is the period of a goal linked to goal categories?

No. There is no such linkage between a goal category and the number of years during which the goal should be achieved. You can create a goal for the period as per your need.

35. What are pending transfers?

In case you have received a contribution from friends/ family, they will be shown as pending transfers until they have been credited to your goal. Pending transfer also include initial goal deposit amount till the time your goal is created and activated. Further standing instructions are also displayed in pending transactions.

36. What happens if the transaction fails while contributing to my goal?

Like any other transaction, funds if any will be credited to their account within 4-7 working days.

37. Can I also create iWish/Deposits using the Pockets prepaid card and earn higher interest.

No, iWish (goal based savings) & deposits are only available for our savings account customers.

38. The iwish goal created on the Pockets app, will also be visible when I login to my internet banking on www.icicibank.com, right?

Yes, the Iwish goal created using this app will also be visible on your internet banking logged in section. Also, the goal created on the internet banking will be visible on the Pockets app.

1. What is Pay Bills?

Pay Bills is a Pockets facility that enables you to pay bills instantly without having to register for it.

2. Which are the billers for this facility?

The billers that you can pay with this facility are

1. Postpaid Mobile
2. DTH
3. Landline
4. Electricity
5. Gas

3. Is there any charge levied by Pockets by ICICI Bank for this facility?

There is no charge levied for ICICI Bank's Quick Pay facility.

4. When will my payment be updated at the biller's end?

It takes two business days from the date of payment to get your payment updated.

5. What will happen if I enter incorrect consumer details?

When you submit your (consumer) details, Pockets by ICICI Bank accepts them for processing. If they include details belonging to a valid biller amongst the list shared above, the bill will be presented. If they are invalid, however, your request will be rejected.

6. Will I receive confirmation after making a payment?

You will receive online confirmation along with a transaction ID. If it happens that you do not get any confirmation, you will get a 'failure' message and the amount will be credited back into your account within 24/48 hours.

7. Do I need to have a Savings Account to pay my bills using Pockets?

No, you can go ahead and pay your bills using even the Pockets wallets. You can also save these bill credentials against your favorites and do your transactions in a snap.

8. I have a set of my registered billers on the ICICI Bank site, Will I be able to view those billers and pay my bills.

Yes, if you are an existing ICICI Bank customer, you will be able to view your set of registered billers and you can pay for them using Pockets. For your registered presentment billers, you will also get an in-app notification when your bill is due.

9. I completed a transaction for paying my bill, the amount got debited from my account but the transaction failed.

In such a case your amount will be credited back to your account in the next 24/48 hours.

10. Will I be able to register bills on Pockets for my recurring bills?

No, you will not be able to register for a biller using Pockets.

Other than the app, is there any other medium to pay bills using the wallet?

Yes. You can pay bills using ICICI Bank Internet Banking webpage. Login to Internet Banking, input the details and select the Pockets wallet as the mode of account for payment.

1. What is Mobile Recharge?

Mobile Recharge is a facility to recharge a prepaid mobile phone, you can use this service to increase talk-time (airtime) for any existing prepaid Mobile connection.

2. How Top-Up is different than Mobile Recharge through Recharge Codes?

Under Mobile top-up, you do not require to buy recharge codes of preset denominations. You can choose your own amount and submit your request online and airtime (talk-time) limit is increased automatically without any additional requirement.

3. Is there any additional charge levied by the Bank/ Operator?

No, this facility is free of charge for its Customers.

4. Can I recharge my mobile even using my Pockets prepaid card (wallet) or do I have to have a savings account for the same. Also, when the amount be debited?

Yes, you can carry out a successful prepaid mobile recharge from your Pockets wallet without having a savings account. The amount will be debited immediately.

5. Is there any limit on the amount of recharge?

Per day maximum transaction limit for Prepaid Mobile recharge is Rs. 750, irrespective of the mobile operators and the number of transactions. The customer can recharge the prepaid mobile for a minimum of Rs. 10.

6. What if I select the wrong operator?

Recharge request is taken on the basis of Mobile Number entered by you. Drop-down of Operator is provided for the purpose of your information about availability of the service. Pockets by ICICI Bank will not accept the request for processing a recharge mobile for mobile number not belonging to the given operator

7. When can my request be invalid?

A request will be invalid on account of the following reasons:

• Non existing mobile number
• Postpaid mobile number
• Mobile number which does not pertain to the mentioned operators in the app dropdown
• Mobile Recharge request is out of Amount/ Time limits

In all the above cases, Pockets by ICICI Bank will debit the account for the amount entered by you. However, being invalid, the request will be rejected by the operator. Refund will be made to your account within 4 working days.

8. What will happen if I enter incorrect mobile number?

Once the transaction is entered, ICICI Bank accepts the same for processing. If mobile number belongs to the list of operator as mentioned in the app the request will be processed and talk time will increase. However, if the number is invalid (for reasons as mentioned above) refund will be issued within 4 working days.

9. What will be the increase in talk-time limit?

On the basis of amount of transaction, every operator determines the talk-time limit and tops your mobile phone account accordingly. For exact information of talk-time increase, please get in touch with your mobile operator.

10. Will I receive a confirmation for completion of top-up?

Once the recharge is completed, you will receive a confirmation message from the operator.

11. What if I do not get any confirmation message from the operator?

Once the top-up is completed, you will receive a confirmation message from the operator. In case on non-receipt of confirmation message, please check the talk-time limit of your mobile phone. If the talk-time does not increase, please contact your operator.

12. What if talk-time does not increase after the transaction?

The same is possible when the mobile number entered is invalid (as mentioned under point 9, 10 and 11). In such cases, refund will be made to your account within 4 working days. In case you do not receive the same within 4 working days, kindly call our 24 Hour Customer Care Center.

Other than the app, is there any other medium to do a prepaid mobile recharge using the wallet?

Yes. You can do a prepaid mobile recharge using ICICI Bank Internet Banking webpage. Login with your pockets credentials and enter the required details to recharge your prepaid number.

1. What is favorites’?

‘Favorites’ enable you to manage your financial relationship with those select few who really matter to you. With the help of ‘favorites’, you will be able to carry out your transactions quickly.

2. How do I add people to 'favorites’?

You can add people from your phone book, using social media, your registered payee or by manually entering their contact details.

3. What details are required for adding a person to ‘favorites’?

To add a person to ‘favorites’, we would mandatorily require the favorite User’s name and mobile number. You can either pick the User’s mobile number from your address book or manually enter the User’s mobile number.

4. What transactions can I do for my ‘favorites’?

You can send money, do a mobile recharge, pay bills, send a gift, request money and view your friends’ profile.

5. I added a ‘favorite’ by adding their mobile number, how can I ‘send money’ using just the mobile number?

Pockets allows you to send money to your friend even without having to register their account numbers. Through this facility, you can create an electronic coupon that can be redeemed by your friend later on by visiting www.icicibank.com/pockets.

6. If I have to pay a bill for my friend, how do I save the biller details against the user?

To pay the bill, you will need to save the details of the bill against the ‘favorites’. This can be done either after you have successfully completed the transaction using ‘Pay Bills’ or you can manually add the biller details against your ‘favorites’. You can manually add a biller by tapping on your ‘favorites’ profile and then tapping on ‘Add a new biller’.

7. What are the attributes which can be saved against ‘favorites’?

Apart from your ‘favorites’ name & mobile number which are mandatory fields, you would be able to save the e-mail ID, biller details, registered bank account, picture (either from address book or social media) and Pockets wallet account number.

8. 8. How can I edit the attributes of my ‘favorites’?

You can edit the attributes of your ‘favorites’ by tapping on the user and then tapping on view profile. Here you would be able to change the User’s name, mobile number, biller attributes and the Pockets wallet number. You can also delete the registered bank account linked or a newly registered bank account can be added.

9. How many ‘favorites’ can I save?

There is no limit on saving ‘favorites’. You can save as many Users as your favorites.

10. Can I also save the amount of recharge/ bill paid against my ‘favorites’?

No, currently you would not be able to save the amount paid against a favorite user.

11. Post successful completion of a transaction, on tapping on ‘add to favorite’, I am further given two options whether to add to an existing favorite or new favorite?

Yes, after successfully completing a transaction, you have an option of saving the attributes of the transaction. You have an option of either adding these attributes to your existing ‘favorites’ or you can also create a new User and add these details to them.

12.There is an option “Me” by default on my ‘favorites’ cards. What details can I edit on my profile?

In your own profile you will be able to edit your saved bill details, add or delete list of registered payees. To change your profile details, you would have to go to our help/ settings option.

13. Can I delete by saved ‘favorites’?

Yes, you can delete your saved ‘favorites’ by tapping on the edit option on the ‘favorites’ card.

14. Can I re-arrange the placement of my favorites?

Yes, by tapping on the expand button you can re-arrange the placements of your ‘favorites’.

17. 17. Selecting a transaction by tapping ‘favorites’ directly takes me to the amount input page. Why am I not being asked which account would I like the money to be debited from?

After inputting the amount, the confirm page gives you an option to choose from the list of your accounts. Alternatively you can also select your default debit account using the Settings option.

18. Can I chose the mode of transfer when I want to ‘Send Money’ to my ‘favorites’?

Yes, you would get an in-app notification, once the request has been initiated. You will have the option to accept or reject the request. On accepting the request, you would be able to send the requested amount to your friend. On rejecting the amount, the transfer of funds will not be initiated.

19. In the favorites menu, there is an option called ‘Request Money’. How does it work?

Pockets lets you request money from your ‘favorites’. With this facility, you will be able to enter the amount and your account to which the requested amount would be credited. This request will be sent to your chosen ‘favorites’.

20. I am able to send the “Request Money” functionality only to a few people on my favorites. Why is that?

Pockets currently lets you Request Money only from other Pocket users.

21. My friend has requested money from me, Do I have an option to accept or reject the request?

Yes, you would get an in app notification inside your Pockets app, once the request has been initiated. You would have the option to accept or reject the request. On accepting the request you would be able to send the requested amount to your friend. On rejecting the amount, the transfer of funds will not be initiated.

22. If I reject a “Request Money” notification, will the requestor be able to see that the request was rejected?

No, the requestor will not be able to know the status of their ‘Request money’ request.

23. How does request money work?

If the requestor has initiated for a fund transfer to be credited into their Pockets wallet, the requested amount will be automatically transferred into the wallet. If the requestor has initiated for the amount to be credited into their Savings account, an electronic voucher will be create which will have to be redeemed on www.icicibank.com/Pockets.

24. Can I edit the money which has been requested and transfer only a part amount.

No, you wouldn’t have the option to edit the amount. You would have an option to accept and send the entire requested amount or reject the request.

25. Can I send request money to anyone?

No, you would only be able to send the “Request Money” functionality to your ‘favorites’ who are on Pockets.

26. What is “Other Contacts” on the ‘favorites’ cards?

‘Other Contacts’ are those users whose details you have entered in the app in functionalities like bill splitter and have not saved them as ‘favorites’. Tapping on the list will enable you to see the list of these friends and add them to ‘favorites’.

27. Why am I unable to delete Me?

'Me' will by default always be present in your ‘favorites’ card. You will not be able to delete the "Me" from favorites.

1. What is Bill splitter?

Bill splitter is a complete solution that allows you to create & split bills amongst your friends and settle them instantly, all within the app.

2. How to I add a bill?

Bill splitter works on the concept of an event which will have many bills within the larger event. eg. You could create an event "Trip to Goa" and have many bills within like "Transport" "Food" etc.

3. Can I book a movie ticket using the Pockets prepaid card or do I need to have a Savings Account for the same?

Yes, you can book movie tickets using the Pockets prepaid card itself.

4. How can I add people to my event?

After creating an event, you would have the option of adding people from ‘favorites’, address book or manually entering their details.

5. Is mobile number & email ID mandatory while adding a person to my event?

Only mobile number is mandatory while adding a person to the event.

6. Can I only add people who are registered with Pockets?

No, you can add your contacts from your address book, social media or also by entering the details manually

7. How are calculations for bill splitter done?

After creating an event and adding your friends & bills within the event, you would need to input the actual amount paid by each participant. This amount can further be split equally or unequally. Basis the amount paid and proportion of the bill splitting amount the calculations would be aggregated across at a person level across all events.

8. How will I know how much money do I owe or I am owed?

On the home page of the bill splitter page, you would be able to view the amount of money you owe to people and the amount of money people owe to you for the bills created by you.

9. Will I be able to send money directly to the person, Who I owe money using Bill splitter?

Yes, on your bill splitter home page you would be able pay up your dues by tapping on "Pay Now". This will directly take you to the send money pages where you would be able send money and settle your dues. You will be able to send money directly using the electronic voucher.

10. There is a separate button in Bill splitter called "pay now" & "settle up". What is the difference?

Pay now will enable you to send money to the person you owe money to. After sending money, you would have to manually tap on settle up to ensure that the transaction is settled with the user. After settling this transaction will be settled and you will not see any settled transaction as a part of your bill splitter home page.

11. There is an option called "Send a reminder", what does option enable.

By tapping on send a reminder, you would be able to send a reminder to your friends who owe you money. If your friends are on Pockets, they will receive an in app notification of the same. Else they will get an email reminder.

12. Can I make a payment to someone who doesn’t have a Pockets account using the Pay now functionality in Bill Split?

No, Pay now is available for all Pockets & non pockets customers. You would be able to send the owed amount and transfer money either to their savings account (if registered as a payee) or their Pockets wallet or via their mobile number or email electronically using evoucher.

13. Can I edit any details of an already created event/bill?

Only the creator of the event will be able to edit details of the event or bills. The creator would be able to add a new bill, add a new person or edit the total amount against an event. All the editing is subject to the fact that the event a single payment/settlement hasn’t occurred in the bill.

14. Will bill splitter also help me to collect money that is owed to me?

No, but you can remind your friends who owe you money by using our Send a reminder functionality.

15. If someone creates an event and add me as member, do I have an option of accepting or blocking the request?

Yes, you have an option of either accepting or blocking the request from the sender.

16. How do I close an event?

You can close an event by tapping on the "Event": 'close button' on the home page of your bill splitter page.

17. If my friend is not on Pockets, how will they get the notifications?

Users who are not on Pockets will receive an email notification on the events being added/deleted/edited in bill splitter.

1. Can I book movie tickets using the app?

Yes, using the Pockets app you would be able to book movie tickets. You can select movies or cinemas, required show timings and even your seats while booking the tickets.

2. I booked a movie ticket, the money got debited from my account I never got a confirmation of my tickets. How do I get a refund?

If the money has been debited from your account and the movie ticket confirmation hasn’t been sent, please wait for 24 hours and the debited amount should be credited back into your account.

3. Can I book a movie ticket using the Pockets prepaid card or do I need to have a savings account for the same.

Yes, you can book movie tickets using the Pockets prepaid card itself.

1. How do I avail offers on Pockets app?

By tapping on the "All offers" section you would be able to view the transactions through which you can avail the respective offers. Separately, relevant offers would be displayed on transactions. All you have to do is tap on the offer before completing the transaction.

2. In the offers section, you have a separate section called All offers & Saved Details. What do they represent?

In 'All' offers we will showcase the entire list of deals & offers which you can avail by using the app. 'Saved' deals are those offers you have selected while doing a transaction that are saved for your quick reference.

3. What are the different types of offers?

The offers are mainly categorised as offers which can be redeemed within the app and those which can be redeemed on other sites.

4. How can I avail offers which can be redeemed within the site?

We have some special offers specific to Prepaid Mobile recharge transaction wherein you would be able to avail and redeem the discount instantly subject to availability.

5. I forgot about one of the offers in my saved deals, but it seems to have expired. Can I extend the validity?

No, once expired we will not be able to extend the validity of the offer.

1. What is the Pockets Savings account?

You can "unlock" advanced features such as interest on your deposits, higher transaction limits, iWish goals and cash withdrawal by applying for Pockets savings account from the app.

Effective August 5, 2016, the Minimum Monthly Average Balance in Pockets Savings Account is Zero Balance for users in the age group of 18 to 25 years and Rs. 5000 for those above 25 years.

You will need to have your documents ready and we will open your Pockets savings account through our super quick Tab Banking facility.

2. Can I apply for a Pockets saving account from the app?

Yes, you can apply for a Pockets savings account from within the app by selecting the city and branch where you would like to open your account.

3. After I applied for a Pockets savings account, do I need to visit the branch to submit my KYC documents?

No, our team from the branch will call you and meet you at a time of your convenience

4. Do I need to maintain a balance in my Pockets savings account? Will I be penalized for not maintaining any balance?

Yes, the Pockets savings account is a Rs 5000 balance account (w.e.f. December 1, 2015), so a monthly average balance of Rs 5000 would have to be maintained in the Pockets account.

5. I applied for a Pockets Savings account using the app. Does this mean my Savings account has also been activated?

• After applying for a Pockets savings account, our team member from the branch you selected will visit you at a time of your convenience to collect your documents.
• Post successful authentication of your submitted documents, your savings account will be created
• The Pockets savings account is tightly coupled with the prepaid card. Using the same user id & password you would be able to view you newly created Savings account & your pockets wallet.

6. After applying for the Pockets savings account, can I also check the status of my application?.

Yes. You would be able to check the status of your Pockets savings account within the app on tapping on “Check status/Activate” on the Savings account card in on your dashboard

7. I opened a Pockets Savings account and gave all my documents. I never got any user ID/password. How do I access my account?

The Pockets savings account is tightly coupled with the wallet. After your Pockets savings account is processed and activated, you will be able to view the same on the Pockets app with the same user ID & password.

8. Will I get a cheque book/debit card with my Pockets savings account?

You will by default get a cheque book and a Pockets branded debit card with your savings account, which you can upgrade to our expressions debit card and personalize your card.

9. I already have an ICICI Bank savings account, can I apply for a Pockets savings account?

If you have an existing ICICI Bank savings account, you wouldn’t be able to apply for Pockets savings account.

10. I have an ICICI Bank savings account, can I change the status of my account to a Pockets savings account?

No, you will not be able to change the status of your existing account to a Pockets savings account

11. Can I walk into an ICICI Bank branch and apply for a Pockets savings account?

You would be able to apply for the Pockets savings account only online via the Pockets app.

12. What are key features of Pockets Savings account?

• Single user ID for Savings Account as well as Pockets account
• Rs 5000 Balance Savings account Rs 5000 (w.e.f. December 1, 2015)
• Free monthly e mail statement
• Customised Pocket Debit Card with offers (Link for offers)
• Free NEFT transactions
• Free 10 leaves cheque book in a year

1. Will I be able to view my statements on the app?

Yes, you will be able to view your wallet and savings account (if applicable) statements on your Pockets app.

2. Can I view my statements for a particular time period?

Yes, you can view your statements for the last 10 transactions or select a particular time period for viewing your transaction statement

3. What is the tab in statements named as By Tag?

Pockets app has a unique feature of hash tagging and viewing your transactions in groups. By tagging transactions you can easily keep track of your money and determine your spends in particular categories.

4. What can I do with hash tagging?

Hash tagging allows you to understand your spending habits. For example, if you tag all your entertainment related transactions as ‘Entertainment’, you can see how much you have spent on entertainment during a particular period.

5. Does Pockets automatically categorize and tag my transactions?

No, you have to manually tag your transactions in order to view them by tags.

6. Why are some of my transactions hash tagged as “Untagged”?

All transactions that have not been tagged are categorized as Untagged

7. Can I change a tag on a transaction once I have tagged it?

Yes, you can edit tags on your transactions. Your transactions will now be displayed basis new tags.

8. Can I tag only my Pockets wallet statement or is this also extended to my existing savings accounts?

Hash-tagging feature is available for both your savings account and for your wallet. You can separately tag and view your wallet and savings account transactions.

9. Can I add a picture to my transactions, instead of the default image shown?

Yes, you can add a picture to your individual transactions. You can either take a picture from your phone camera or add a picture of your choice from your device.

10. I want to see an image added against an older transaction, how I can view the same?

Tap on ‘more’ on the statements and select the time period as required. You will be able to view the transactions based on the selected time period. Tapping on the transactions will showcase the image tagged against the transaction

11. Will I be able to view my tagged transactions even in the physical statements for my savings accounts?

No, this facility is only available on the Pockets app.

12. Will I be able to view my tagged transactions by logging into www.icicibank.com, as the login credentials for both are the same?

No, currently this facility is only available on the Pockets app.

1. What are the security measures which have been incorporated within the app?

Below measures will ensure that your transactions are secured on Pockets mobile app -

• Mandatory Login - To access the Pockets app, you have to authenticate yourself with your User ID and password on every login
• One on one - There can be only one registration associated with each mobile number
• Transaction OTP – Every financial transaction is authenticated with a One Time Password (OTP) that is sent to your registered mobile number. This OTP has to be entered before the transaction is completed.
• Data encryption - All your account related data resides at ICICI Bank just as with Internet Banking. The app sends a request to the Bank servers using Secure SSL encryption and all transactions happen on ICICI Bank servers.
• Single Login - At a point of time, you can either login to the app or to the retail Internet Banking. Multiple logins with the same User ID will be denied.
• Session timeout - You will be automatically logged out of the app after 10 minutes of inactivity.
• Single User Single Device - The User ID & Password created during registration will be used to login to the app. We have added an enhanced security feature during Login. You will be able to login to Pockets only from your registered mobile device. You will have to authenticate your registered mobile number for the first time during login to map the same to your device

2. What if my mobile phone is lost or misplaced. Can someone misuse the app or use Pockets mobile app on my behalf?

Access to the app is allowed only on entering the User ID and Password. All financial transactions are made secure by the two factor authentication wherein an OTP is sent to your registered mobile number. This OTP has to be entered before the transaction is completed. Further SMS alerts are sent for all transactions.

Please do not share your User ID or Password with anyone.