ICICI Bank customers can create UPI ID (VPA) for their account in iMobile Banking application and use UPI facility to transfer and receive money to any bank account and make payment online.

ICICI iMobile Banking application has now inbuilt UPI facility so you don’t need to install other UPI application. Also when you create UPI ID in iMobile, you don’t need Debit card to verify your account.

After register for BHIM-UPI in iMobile, you can:-




  • Transfer money to any Bank Account
  • Receive money through UPI
  • Pay online where UPI payment accepted

See step by step process how to register for UPI and create UPI ID (Unified payment Interface ID) in ICICI Bank Account.

Create UPI ID for ICICI Bank Account Through iMobile

If you are not registered for ICICI Mobile Banking then first install iMobile Banking application and register your account. Read: How to activate ICICI Mobile Banking

Now see step by step guide:-

Step 1: Login to iMobile Banking application by entering PIN.




Step 2: After login, you can see BHIM-UPI section, tap and open it. (see below screenshot)

ICICI iMobile BHIM UPI

Step 3: Now tap on Manage and select My Profile. You will be asked to register for UPI. Tap on Ok.

icici create UPI ID VPA

Step 4: Now create your VPA (UPI ID). Enter own choice UPI ID and tap on “Check Availability”. You can also select suggested UPI ID. If available then tap on proceed. Your VPA will be created like this “abcd@icici




icici create upi id vpa

Step 5: Next screen, you need to link this UPI ID (VPA) with your ICICI Bank account. Select ICICI Bank option and then select your Account number. Now select “To send money & To Receive Money” both option in set as default.

ICICI Bank create UPI ID VPA

Congrats, your ICICI UPI ID (VPA) create successfully and your account is now registered for UPI.

ICICI Bank create UPI ID VPA

How To Send Money

To send money from your ICICI account to any bank account using UPI.

  • just tap on Send. Now enter person UPI ID or tap on Other Modes to select the registered beneficiary. You can add new beneficiary as well. Enter Amount and proceed.

icici bhim UPI send money

Currently, you can send up to 1 Lac through UPI from your ICICI account to other bank accounts.

How To Receive Money

To receive money from your relative or friend through UPI, just give your UPI ID (VPA) to him. If the person not sending money through UPI then give your account number and IFSC code.

How to Pay Online using ICICI BHIM VPA (UPI ID)

Online websites where BHIM-UPI payment is accepted, you can pay directly from your ICICI account using your ICICI UPI ID. No need to enter debit card details or login to net banking, just enter your UPI ID and approve payment through iMobile, see how:-

To pay online at any merchant site like Amazon, Flipkart:-

In payment option select UPI-BHIM and enter your UPI ID (VPA) and proceed.

Amazon payment UPI

You will receive an SMS alert from ICICI to approve payment.

Now login to ICICI iMobile and open UPI-BHIM section and tap on Pending Request. You can see payment is waiting for your approval. Simply tap on Accept to make payment. You can also reject if you want to cancel.

icici imobile upi approve payment

I hope you now understand how to create UPI ID (VPA) in ICICI Bank Account and register for BHIM-UPI to transfer or receive money and make payment online.

10 COMMENTS

  1. 1… If i check the box *default to receive” , how much can i receive?

    2… if i set upi as default to send money, can i send via account number and ifsc code more than 1 lac amount?

    • In UPI teanfer limit is 1-2 lakk depend on bank. So you will receive 1 or 2 lakh.
      In icici you can send only 1 lakh per day

  2. Can i send normal fund transfer using a/c number and ifsc code if i set upi as default ? For example if i want to send 2 lacs on imps OR 5 lacks on Neft?

    • You can use IMPS to send up to 2 lac and NEFT to send up to 10 lakh. Just add beneficiary account and send.

  3. If i register the upi as default, does anyone can send me rupees via account number and ifsc code as imps, neft or RTGS

    • You can create multiple upi id. Also you can delete anytime.
      You can also use any upi application like paytm, phonepe to link icici account and create upi id.

    • You can use any upi application such as paytm, phonepe or bank official app. Just verify your phone in upi section and set upi pin using debit card.

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