Pockets

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• An active internet connection is required to use the Pockets application (app)
• A SIM card should be present in the device on which the app is downloaded
• The device should not be in Airplane/Flight Mode
• Make sure your device is connected to mobile data during registration. Wi-Fi networks should not be used for the registration process. After registration is complete, you can switch to Wi-Fi
• Use only secured Wi-Fi connections while using the app. A secure Wi-Fi network is one which is protected by a password. Do not use open Wi-Fi networks.
• Use the latest version of the Pockets app to get access to recent enhancements and functionalities
• Don’t connect your device to any VPN (Virtual Private Network).

During activation of the Pockets wallet, customers are classified into two groups:

• Existing (ETB) customers, who have an existing relationship with ICICI Bank
• New (NTB) customers, who don’t have an existing relationship with ICICI Bank.

This classification is based on the mobile number selected for creation of the Pockets wallet.

Customer relationships will be checked based on the mobile number selected for Pockets wallet registration.

A customer will be classified as an existing customer if:

1. They hold an ICICI Savings Bank Account and fulfil the following conditions:

• The Savings Account should be in Active state and KYC compliant
• The Savings Account should not be a non-resident (NRE / NRO) account
• The customer carries out Debit Card-based authentication which needs an active Debit Card, grid card values and Debit Card PIN

2. They hold an ICICI Bank Credit Card and fulfil the following conditions:

• The Credit Card should be in Active state
• The customer carries out Credit Card-based authentication which needs a Credit Card PIN
• During wallet registration, the customer’s name present in ICICI Bank’s records is compared with the name present against the customer’s PAN. The customer will be able to proceed with wallet registration only if the name matches 100%. For example, if the name present in the Bank’s records is Rajeev Kumar and the name against the PAN is Rajeev Kumar Patel or vice versa, the customer will not be allowed to proceed with Pockets wallet registration

• Customers need to have an Aadhaar-registered mobile number to create a Pockets wallet
• Customer’s PAN should be in an operative state
• The customer’s name present in Aadhaar should completely match with the name present in PAN (100% match, same logic as mentioned above)
• Only space and dot (.) is allowed in the ‘Name’ field while creating the Pockets wallet.

New (NTB) customers who do not have any existing relationship with ICICI Bank can convert their KYC status to ‘Full KYC’ through Biometric KYC verification by requesting an appointment through the Pockets app.

Functionalities allowed in the Pockets wallet based on KYC status

• Existing (ETB) Pockets wallet users will have ‘Full KYC’ status by default. Hence, a UPI ID will be created during wallet registration which will be linked to their Pockets wallet. If the user has any other full KYC INR Prepaid Card with UPI functionality enabled, then the same can also be used to directly debit funds for UPI transactions.

Follow the steps given below to link an INR Prepaid Card for UPI:

Log into the Pockets app --> Dashboard --> BHIM UPI--> Manage UPI Profile--> Add Card --> Add Prepaid Card--> Card will be linked successfully--> Set Prepaid Card as default

Once the user’s UPI ID is linked to the Prepaid Card, the user can scan QR codes or transfer funds by entering the payee’s UPI ID.

Please note that the transactions will be carried out through the INR Prepaid Card linked to their Pockets UPI ID, based on the applicability to carry out merchant transactions or fund transfers.

• New (NTB) Pockets wallet users will have ‘Minimum KYC’ status by default . They can convert themselves into Full KYC Users through biometric verification. Follow the below steps to schedule a KYC appointment:

Log into the Pockets app --> Dashboard --> Click on the KYC icon --> Provide mandatory details and submit.

Once biometric verification is successfully completed, it will take 2-3 working days to update the KYC status of the Pockets wallet to Full KYC. Post this, users need to follow the steps below to create UPI ID and use UPI functionalities:

Log into the Pockets app --> Dashboard--> BHIM UPI--> Manage UPI Profile--> Create UPI ID 

Once the UPI ID is created, it will be linked to Pockets wallet by default.

• If the user has any other full KYC INR Prepaid Card with UPI functionality enabled, then the same can also be used to directly debit funds for UPI transactions.

Log into the Pockets app --> Dashboard--> BHIM UPI--> Manage UPI Profile--> Manage Pockets UPI ID Add new Card (if not already added) Select the Card Proceed

After the Card is successfully added, it can be set as default for making debit transactions from the Pockets app.

• If users do not wish to convert their Pockets wallet to full KYC status and have any full KYC INR Prepaid Card with UPI functionality enabled, they should follow the steps below to use UPI functionality in the Pockets app:

Log into the Pockets app --> Dashboard--> BHIM UPI--> Manage UPI Profile--> Add Card --> Add Prepaid Card--> Card will be linked successfully--> Prepaid Card will be set as default

Pockets is ICICI Bank’s e- wallet proposition through which you can pay anyone, shop anywhere and pay bills with ease. Your Pockets wallet is a virtual VISA card that comes with a CVV and expiry date which you can use to pay on any website that accepts VISA cards in India.

You may also upgrade to a physical card and swipe your card at stores to shop across retail outlets in India. Pockets is a Prepaid payment instrument and must be funded before use.

There is no charge for registration and usage of the app. Standard charges for internet data as charged by your mobile operator will apply.

Pockets wallet comes with a 16 digit VISA pre-paid card which can be used for shopping online across websites in India along with the payment features built inside the app. You also have the option of getting a specially designed Pockets physical card that can be used at stores/outlets.

The below services are available on Pockets app:

• UPI, Bill payments, Mobile recharges, Google Play recharge & fund transfer

The card issued to you is a Prepaid card which works under the Pre-paid Payment Instruments guidelines of RBI which states that the card can be loaded up to a maximum limit of Rs 10,000 in a month for min KYC customers and Rs 1,00,000 for Full KYC customers. Also, at any point of time the balance in the card should never be more than Rs 10,000 for Min KYC customers and Rs 1,00,000 for Full KYC customers.

The card can be used to make online transactions by entering card details in merchant website and can also be used in merchant outlets for POS transactions, if physical card is availed.

Any individual of Indian origin above the age of 18 years with an active mobile number can register on the app.

The Pockets mobile app is available on Android as well as iOS devices.

Visit Google Play Store from your Android device or App store from your iOS device and search for Pockets by ICICI Bank. Click on install and accept all permissions.

Non ICICI Bank customers can create Pockets wallet through OTP verification and providing minimum details like Name, DOB, Gender, Nationality, PAN and Email. Download the app from your Play Store or Appstore today.

Now update your email address registered on ICICI Bank Pockets app from Update email address option under My Profile.

No. Other people cannot access their ICICI Bank account as mobile number linked to Pockets and ICICI Bank account should be same.

NEVER SHARE your Card Number, MPIN, Internet Banking User ID, Password or URN with anyone, even if the caller claims to be a bank employee. Sharing their details can lead to unauthorized access to your account.

Full KYC Wallet customers have monthly limit for loading and spending is Rs. 1,00,000/- and Standalone Wallet customers have monthly limit for loading and spending is Rs. 10,000/-

*Full KYC customers: means wallets customer who have completed full KYC using Aadhaar Biometric KYC or existing ICICI Bank customers with savings or credit card have opted for Wallet.

*Standalone Wallet: customers means wallets customer who have availed wallet by providing minimum KYC details without biometric

You can add funds to Pockets through any Bank's Debit Card or Internet Banking or UPI. You can also add funds via NEFT or if you have an existing ICICI Bank account, you can add funds via your linked Savings account.

Through NEFT: You can transfer via NEFT transactions to your Pocket wallet. Just add your Pockets wallet as a payee in your internet banking account. IFSC code to do the NEFT transaction is ICIC0000104.

Through UPI : You can make payment to pockets.XXXXXXXXXX@ICICI using any app that supports UPI

*Here “XXXXXXXXXX” represents your 10 digit mobile number

You can change it from the ‘Settings’ section by choosing ‘Change MPIN’ inside Pockets application.

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

The billers that you can pay with this facility are:

• Postpaid, Electricity, Landline, DTH, GAS, Insurance WATER, LPG, Loan Repayment, Education Fee, FASTag, Tax, Cable TV, Clubs & Associations, Credit Card, Hospitals, Housing Society, Recurring Deposit, Rental, Subscription.

There is no charge levied for using the Bill Pay functionality in Pockets wallet.

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

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

You can send money to your registered payees through NEFT. Alternatively, you can also send money to your contacts on their mobile number or send money to your payees UPI ID.

Cheque book facility is not present for Pockets wallet. The Pockets wallet instantly comes with a virtual Prepaid visa card, displayed on your dashboard. You can also request for a Physical Prepaid card, which will be sent to your communication address.

Yes. After your first payment to biller, you will automatically receive Due Bills from next billing cycle in 'Due Bills' section under Pay Bills.

Currently, activation of PayLater is not allowed from Pockets application.

Now use your ICICI bank Pockets app and recharge your mobile on the go - convenient, simple and quick. Just login to your Pockets wallet, enter mobile number and select a recharge plan - yes, it is that simple!

Shopping online with ICICI bank Pockets is easy and quick. Just copy and paste Pockets card details in the credit card payment section of your favourite shopping platform and enter OTP received on your registered mobile number to experience faster and secure checkouts.

No, you can't access Pockets app on desktop.

Yes, OTP is a mandatory requirement for customers who do not have existing relationship with ICICI Bank. It is sent on your mobile number for your safety and security concerns.

You have to be careful while entering the mobile number for recharge. In case a wrong mobile number has been recharged by mistake, the amount will not be reversed to your account.

On the home page of your dashboard and the menu, you have an option of ‘Add Funds’. Tapping on this you can Add funds to your wallet through Net Banking or Debit Cards, NEFT from other banks and UPI.

Selecting either Net Banking or Debit Cards will take you to the respective bank’s page.

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

Upon click to Send to any UPI app users have following options for transfers:

Pay to contact - Enter the recipient’s mobile number to transfer money from your Pockets wallet.

Registered Bank Accounts - Select the beneficiary and transfer money using NEFT using Pockets wallet/Linked ICICI Savings Bank account Send to UPI ID through UPI - Enter the recipient’s UPI ID to transfer money from your Pockets wallet

The Pockets virtual VISA card can be upgraded to a physical card from within the app. You will need to share the address for the Physical card to be delivered to, and within 7 days, the card will be sent to your address. This card can be used across India at all stores where card payments are accepted.

You can use the ‘Forgot MPIN’ option on the login screen of Pockets app.

Reactivation can be done through below steps:

Customer of ICICI Bank: Mobile number verification through SMS + Debit Grid card and PIN/ Credit card PIN authentication (of customer’s debit / credit card)

Non-customer of ICICI Bank: Mobile number verification through SMS + OTP sent to mobile number through SMS + DOB validation will be required.

Following are the benefits of using Pockets -

Pockets will help you declutter your accounts statements by shifting your small value payments to Pockets wallet. Pockets is a VISA-powered e-wallet that customer of any bank can use to recharge mobile, send money, shop anywhere, pay bills and much more.

You cannot recharge Pockets Wallet through a Credit Card. However, to add funds to Pockets, please use your linked ICICI Bank Account, Debit Card, Net banking, NEFT from other banks and UPI.

When you submit your consumer details, the Pockets app accepts them for processing. If the details belong to a valid biller, the bill will be presented. If the consumer details are invalid, then your request will not be approved.

‘UPI on Prepaid’ is a facility on the Pockets app, which enables the customers to make UPI payments using Prepaid Cards.

You can add a new card through the path given below:

BHIM UPI > Manage UPI Profile > Manage Pockets UPI ID > Add New Card > Select Desired Card > Submit

You can change the default card by following the path:

BHIM UPI > Manage UPI Profile > Manage Pockets UPI ID > ‘Set as Default Card’.

You can add a maximum of 3 cards for UPI payments.

The following types of transactions can be carried out through a PayDirect Card and a Multi Wallet Card:

PayDirect Card – P2P (Peer-to-Peer), P2M (Person-to-Merchant), outward and inward transactions.

Multi Wallet Prepaid Card – Only P2M transactions.

You don’t need to walk into our branches for any of your queries related to the app. We have built an entire section in our app called ‘Help’. Here, you would be able to get answers to your queries from our chat feature. Further, you also have the option of calling us or emailing us your query.

For queries or complaints related to Pockets, you may call on +9175698 67777 between 9:00 a.m. and 6:00 p.m. from Monday to Friday or write at pockets@icicibank.com.

Yes, you can block your card temporarily or permanently by calling our Customer Care on +9175698 67777 between 9:00 a.m. and 6:00 p.m. from Monday to Friday or write at pockets@icicibank.com.

If you are getting one of these error codes, call on +9175698 67777 between 9:00 a.m. and 6:00 p.m. from Mondays to Fridays or write to and share a screenshot of the error with the latest date and timestamp.

This could be due to a mismatch between the name entered by you and the name in the PAN database. Also, if your PAN Card is not linked to your Aadhaar Card, the PAN validation will fail.

You can try again after some time.