Link multiple accounts and share financial data using an OTP
Fully digital process
No more misplaced documents. No physical collection or submission – only digital sharing
Privacy is priority
End-to-end encryption keeps your financial data private between you and ICICI Bank
Your data, your consent
Share only what’s required, with your explicit consent
Secure and safe data sharing
Your data is protected with robust security features as per ReBIT (Reserve Bank Information Technology Pvt Ltd.) standards
What is the Account Aggregator Ecosystem?
The Account Aggregator (AA) ecosystem, licensed by RBI, enables secure data exchange between banks or financial institutions, always with your explicit consent.
In this ecosystem, the Financial Information Provider (FIP)- e.g., your bank, shares your relevant data with the Financial Information User (FIU) - e.g., a lender to whom you have applied for a loan, to process your loan request. The Account Aggregator ecosystem securely transfers the relevant data between them.
ICICI Bank is an early and active participant in this ecosystem, making your banking experience simpler, faster and safer.
Whether it’s for applying for a Loan or Credit Card or for managing your finances better, we endeavour to enhance your experience.
Experience Account Aggregator
You can experience the Account Aggregator ecosystem for any of the products listed below.
While availing any product/service, select 'Account Aggregator’ to share your financial data when prompted
Discover & link your bank accounts
Review and accept the consent request
Your financial data will be shared with ICICI Bank
Account Aggregator FAQs
Is Account Aggregator a regulated entity?
Yes, Account Aggregators are RBI-licensed entities (as ‘NBFC–AAs’) regulated under the Account Aggregator ecosystem. They follow security standards defined by ReBIT (Reserve Bank Information Technology Private Limited).
What type of financial data can be shared using the Account Aggregator ecosystem?
Currently, individuals can share statements of Savings Accounts, Current Accounts, Mutual Funds and shares held by them through the Account Aggregator ecosystem. For all business entities, GST data can also be shared.
Is ICICI Bank an Account Aggregator?
No, ICICI Bank participates in the Account Aggregator (AA) ecosystem, both as a Financial Information Provider (FIP) and a Financial Information User (FIU).
Which banks are currently present in the Account Aggregator ecosystem?
Click here to view all banks that are currently part of the Account Aggregator ecosystem.
What is FIP and FIU in the Account Aggregator ecosystem?
An FIP (Financial Information Provider) is an institution that holds your financial data. An FIU (Financial Information User) is an institution that uses your data to offer relevant products/ services.
Can Account Aggregator store my financial data?
No. An Account Aggregator only acts as a secure carrier of your data. Data is shared only with your consent, and the entire exchange is encrypted as per guidelines defined by ReBIT. Because of this, an Account Aggregator cannot store, view or use your data.
Will the Account Aggregator charge me for using its ecosystem to share data with ICICI Bank?
Currently, Account Aggregators do not charge customers for sharing financial data using the Account Aggregator ecosystem.
Can I share data of multiple accounts through the Account Aggregator ecosystem?
Account Aggregators allow you to share statements of multiple bank accounts, but only with your explicit consent.
Will ICICI Bank charge me for sharing my financial data through Account Aggregator?
ICICI Bank does not charge customers for sharing their financial data using the Account Aggregator ecosystem.
Can I share a joint account statement using the Account Aggregator ecosystem?
Currently statements of only single / individual accounts can be shared using the Account Aggregator ecosystem.
Is my data safe with Account Aggregator?
An Account Aggregator works as a bridge – it only transfers your data securely from one financial institution to another, in an encrypted form. Your data is not stored with an Account Aggregator. Encryption and decryption are strictly governed by ReBIT standards, ensuring complete security.
Can I link multiple bank accounts through the Account Aggregator ecosystem?
The Account Aggregator ecosystem allows customers to link their accounts held with multiple financial institutions that are part of the Account Aggregator ecosystem and to share financial information with a single consent.
Is it mandatory to have an ICICI Bank Account to use the Account Aggregator ecosystem?
No. The Account Aggregator ecosystem is only a medium to share financial information. However, your bank must be part of the Account Aggregator ecosystem for you to link accounts or share data.
Can Account Aggregator share my data with any organisation without my approval?
No, data can be shared only after receiving your consent digitally.
Is it compulsory to link my account?
Yes, account linking is mandatory to share data.
Are there any specific applications for using the Account Aggregator ecosystem?
Yes, you can access Account Aggregator services through both web-based and mobile-based platforms. Simply visit the relevant website or download the relevant app from Play Store/App Store. You can log in using your mobile number.
How secure is my information with Account Aggregators?
Account Aggregators can't view or store any data. All financial information is sourced with the consent of the customer and flows between the Financial Information Provider (FIP) and Financial Information User (FIU) only.
