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Introduction

Smartphones have changed the way we do things around here. We love to use our smartphones for everything. Order food, pay bills, send or receive money, check maps for directions; These are just a very few uses of smartphones in our daily lives. An important functionality of smartphones has been in the way we bank. It has changed the whole banking landscape for customers and bankers alike.

Mobile Banking has taken over Branch Banking or even Netbanking, for that matter. There are a few banks that are completely digital, without any branches. That is the effect technology has had on banking services.

HDFC Bank, India’s leading private sector bank has embraced technology for the benefit of its customers. They have a few Mobile Banking apps to make life easier for users.

  • HDFC Bank MobileBanking App – The Retail Banking App
  • HDFC Bank PayZapp - Link your credit card and pay bills, recharge phones, send money in one click

Features of the HDFC Bank MobileBanking App

Hdfc Bank Mobile Banking
  • Easy – Customers can access over 120+ banking transactions through the app. 
  • Secure – High level security encryption to make sure that your data is safe
  • Convenient – Banking anywhere, anytime. You can access the app from your home, office, or on the go.

What are the advantages of the HDFC Bank MobileBanking App?

  • Quick and Secure Log-In: HDFC Bank MobileBanking App comes with multi-level authentication for every transaction to make sure that your transactions are perfectly safe. The app also has fingerprint login, thus removing the need to remember password or PIN.
  • All-in-One View: The app offers a Single View Dashboard that displays all your accounts/product holdings with HDFC Bank i.e. available balance in your A/c, Credit Cards, Fixed Deposits, utility bills due and so on.
  • Instant Funds Transfer: HDFC MobileBanking App makes it easier and faster to transfer funds. It auto-selects between IMPS / UPI / NEFT depending on the time of the day you are initiating the fund's transfer request.
  • Easy Share: The app allows you to share your payment receipts once the transaction is complete.
  • Adding Favourites: This is one of the best features of the App. You can create a list of your frequent transactions under ‘Favourites’ so that you don’t need to look for details each time. You can just click your preferred one and pay.
  • Organized Bill-Pay: HDFC Bank MobileBanking App allows users to pay utility bills in an instant. Users can make payments for their mobile bill, cable TV, electricity, gas, or any other utility bills in a flash.
  • Automatic Payments: The App allows you to set up automatic payments so that you never miss due dates for your bill payments.
  • Credit Card Linking: The App is a One-App-For-All-Needs. It lets you link and views all your Credit Card transactions on the app. It then allows you to make Credit Card payments and get account statements along with your Reward point status.
  • Swipe to Block: In case you lose your Credit or Debit Card, you can go to the HDFC Bank MobileBanking App to hotlist the card immediately.
  • Invest: The App serves as an investing tool too. You can check your Demat Account balances on the HDFC Bank MobileBanking App and quickly navigate to your HDFC Securities App to manage your investments.
  • Value-Added Services: Apart from the above banking transaction, the app also helps you in various non-financial transactions like updating your profile info, updating your Aadhaar card number on the account, downloading your e-TDS certificate, applying for new Savings Accounts or Credit Cards, applying for loans, buying or renewing insurance and buying e-Gift and Forex Cards.
  • Customer Support: The app also acts as a connection between the customer and the relationship manager. Customers can log on to the app and get in touch with their Relationship Manager with a single click.

How to download and register on the HDFC Bank MobileBanking App?

The HDFC Bank MobileBanking App is available on Google Play Store & Apple App Store. The name of the app is “HDFC Bank MobileBanking”. Customers should download the appropriate app for their phone and install it. They can use their Customer ID and the Internet Banking password (IPIN) to login to mobile banking.

Customers can also choose to set up a Quick Access PIN for logging in. If their smartphone supports, they can also use the Fingerprint lock to access their app.

Step 1: Open the HDFC Bank app on your smartphone.

Step 2: Enter your Customer ID and IPIN to access mobile banking services.

Alternatively, you can enter the 4-digit Quick Access PIN to log in. If you have enabled the fingerprint authorization, you can log in by placing your finger on the sensor.

What are the services available on the HDFC Bank MobileBanking app?

Mobile BankingFeatures

Enquiry

Account balance, cheque status, mini statement, account statement, credit card dues, credit/debit card transactions, credit limit, etc.

Service Requests

Primary account change, stop cheque payment, cheque book issue, HDFC debit card pin & apply for new account

Transfer of Funds

Funds transfer between own accounts in the same bank or other banks, NEFT, IMPS, RTGS, manage & regenerate MMID,  credit card payment & other transactions

Branch Locator

Branch and ATM locator

Bill Payments & Recharges

Mobile recharge, utility bill payments, DTH payments, standing instructions

Other Services

Opening of fixed and recurring deposit accounts, card blocking, etc.

HDFC PayZapp App

HDFC PayZapp is a payment app. It is available for customers of all banks, not just HDFC Bank customers. Customers can Recharge, make Online Bill Payments, do BharatQR Payments, Travel Bookings, Shopping, Movie Tickets booking and more on this app. Bharat QR payment can be made using mVisa QR, MasterPass QR and Rupay QR.

PayZapp lets you recharge your mobile, DTH and data card, pay utility bills, compare and book flight tickets, bus and hotels, shop, buy movie tickets, music and groceries, avail great offers at SmartBuy, and send money to anyone in your phone book.

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.

The app uses a proprietary technology that conducts three security checks for each transaction, thus ensuring safety of all your transactions.

HDFC Bank MobileBanking App Security Features: 

Security is of utmost importance in any digital banking app. Bank details are very sensitive and careless usage of such information may cause serious loss to the customer and the bank.

  • HDFC Bank MobileBanking offers an unparalleled level of security similar to HDFC Bank Net Banking.
  • The information is 128-bit SSL protected for enhanced security. 
  • Another security feature is; the app does not store any information on your mobile phone or SIM card. So even if your phone is lost or stolen, your account is absolutely safe and cannot be compromised.
  • In case you lose your phone, you can call the customer service and they will deactivate your IPIN and issue you a fresh IPIN.

HDFC Bank Mobile Banking FAQs:

1. How can I activate HDFC Bank Mobile Banking?

You can use HDFC Bank Mobile Banking if you are registered for their Internet Banking service. You can start using the mobile banking service by downloading the app and entering the customer ID and IPIN. The Internet banking login ID and pin can be used to access mobile banking, or you can set up Quick Access PIN (QAP). The app also allows customers to set up fingerprint log in.

2. Which is the official mobile banking app for HDFC Bank?

The HDFC Bank MobileBanking App is available on Google Play Store & Apple App Store. The name of the app is “HDFC Bank MobileBanking”.

3. What happens if the user’s mobile phone switches off while on the app?

If your mobile phone switches off, while you were on the app, your account will be automatically logged off after 5 minutes of inactivity. Once the phone is switched on again, you have to log in again to access mobile banking.

4. What happens if I don’t use HDFC Bank mobile banking for a long time?

If the service is not used for 999 days, the user’s Customer ID is blocked. You can reactivate the Customer ID by visiting the HDFC net banking website or the HDFC Mobile Banking App to reset the password.

5. How can I login if I don’t have my internet banking password?

If you have forgotten your IPIN or don’t have one, you can set up a 4-digit Quick Access PIN to log in. You also have the option to enable the fingerprint authorisation so that you can log in by placing your finger on the sensor. Fingerprint authorization is specific to your smartphone model.

6. Where can I find my HDFC Bank Customer ID & IPIN?

Your HDFC Bank Customer ID and IPIN are given to you at the time of account opening. They are part of the ‘Welcome Kit’ that you receive. The customer ID is also printed on your cheque book.

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