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Internet Banking
Start banking online using Axis Bank. Axis Bank provides easy steps to start online banking. Assistance is available 24/7 for customers. Avail a variety of benefits and services by Axis through the online banking service. Hassle-free internet banking options makes banking with Axis Bank the best.
Get your Customer ID
Eg. CUSTID 913XXXXXXXXXXXX
Your Customer ID is mentioned on the welcome letter and cheque book that is mailed to you post your account opening.
You can also SMS CUSTID <account-number» to 56161600 from your registered mobile number to get your Customer ID'.
SMS charges as specified by your operator will apply for the SMS requests sent by you.
How to Register
For Retail and NRI customers
Netsecure with SMS
Netsecure with 1-Touch Device
Netsecure with Mobile App
For Retail and NRI customers
- Click here to go to the login page and click on the “Register here” link to begin the registration.
- Enter either your customer ID or registered mobile number.
- If you have a savings or current account with Axis Bank, you will next be displayed one or more out of the following options: Debit Card, OTP, Email link and KYC.
- Choose one of the options and fill up the details to set your password and to complete your registration.
Netsecure with SMS
- To register for NETSECURE with SMS, you must first ensure that your mobile number is registered with the Bank.
- If you currently receive SMS Alerts from us on your mobile, it means that your mobile number is registered with the Bank. If not, please visit your nearest Axis Bank ATM or Branch to register your mobile number.
- Once you have ensured that your mobile number is registered with us, log in to Axis Bank Internet Banking and choose "NETSECURE with SMS" option on the registration page. Your NETSECURE registration is now complete.
Netsecure with 1-Touch Device
- You can generate Netsecure code using the 1-Touch device.
- NETSECURE 1-Touch is a small device that generates a unique NETSECURE Code (a single usage password) every time a button on it is pressed and held.
- This NETSECURE Code will have to be entered in addition to your login ID and password to login to Axis Bank Internet Banking.
- Please note that you will be charged a one-time fee of Rs 1000 for the device, which is non-refundable.
Netsecure with Mobile App
You can genarate Netsecure code using Mobile Netsecure App
How to Register
Use the right devices
Carry out transactions carefully
Get your activation
Troubleshoot activation issues
How to Register
- You need to have mobile phone with Android or IOS
- Resident customers must ensure that their mobile no. is registered with Axis Bank.
- NRI customers must ensure that their email id is registered with Axis Bank.
- While login to Internet Banking you would get the option to choose Netsecure with SMS or Netsecure with Mobitoken, select “Netsecure with Mobile App” option on the registration page.
- Existing NetSecure Users can switch to “NetSecure with Mobile App” using the switch Netsecure option by logging into Internet Banking ->Services->Other Services.
- Install the “Axis Netsecure” app from the app store on your device.
- Follow the steps on Internet Banking to complete the registration process.
Use the right devices
- You need to have mobile phone with Android version 4.3 and above or iPhone with iOS Version 6 and above to use Netsecure with Mobile App.
Carry out transactions carefully
- Five consecutive unsuccessful attempts to enter Netsecure code will disable your Netsecure code for the day.
- You will be able to access your account but will not be able to do any transaction which requires you to enter Netsecure code for validation.
- Netsecure will be enabled automatically after 24 hours.
Get your activation
- Please note that the activation code is sent on the email id and mobile number registered with the Bank.
- In case you have not received the activation code email, please check your email SPAM folder.
Troubleshoot activation issues
Features of Internet Banking
Instantly receive OTPs on the Mobile Banking App, open. No more dependency on telecom networks, ensuring a streamlined experience. Mobile App Codes are valid everywhere SMS OTPs or Mobile Token OTPs are used.
View your bank account details, account balance, download statements and more. Also view your demat, loan and credit card account details all in one place.
Transfer funds to your own account, other Axis Bank accounts or other bank account seamlessly.
Request for cheque book, demand draft, stop cheque payment, updation of PAN, communication and permanent address etc.
View your complete portfolio with the bank, create fixed deposit, apply for IPO etc.
Pay utility bills for more than myriad billers, recharge mobile etc
Please, click here to view Internet Banking services.
Do's and Don'ts about Internet Banking
Dos when using Internet Banking
Don'ts when using Internet Banking
Things to know before applying for Internet Banking
Here are some of the things you must know before applying for the Internet Banking facility with your bank:
- To use Internet Banking, you must have a Current Account/Savings Account/Loan/Credit Card with the bank.
- The email ID and mobile number provided in the application should be accessible and updated for alerts and OTPs.
- Check the limits on daily transactions, fund transfer limits, and any applicable service charges.
- Ensure to create strong passwords containing numbers, letters, and symbols, and avoid sharing or reusing them.
Tips to use your Internet Banking safely
Frequently Asked Questions
The Internet Banking gives you access to your account/s - anytime, anywhere, 24X7 - at your own comfort. You can manage all your daily transactions online. You can view statements, order cheque books, do fund transfers, order DDs, pay your bills & even shop online.
Internet Banking works best on the latest versions of all browsers such as Internet Explorer, Safari, Google Chrome etc.
You can link all the existing relationships under a single customer ID by placing a request at any Axis Bank branch. You will be able to view all the products once the linking is done.
Internet Banking is a safe, convenient, and time-saving method of banking. It allows you to access bank services and manage your account 24/7. It also facilitates quick and instant fund transfers, both domestic and international, at your fingertips through NEFT, RTGS, or IMPS.
Internet banking works through a secure platform provided by banks, which can be accessed either on the bank's official website. Register for Internet Banking with your bank and get the login credentials. Visit the official website and login to use Internet Banking.
Internet banking provides convenient, anytime, anywhere access to financial and banking services. Its key features include:
- Quick access to Bank Accounts and statements
- Easy online fund transfers
- Balance inquiry
- Bill payments
- Other banking services
To use Internet Banking, register with the bank by providing your customer ID, account number, and personal details, such as your mobile number and email address. If you have Current or Saving account with Axis Bank you will be asked one or more of the following options: Debit card, OTP, Email link and KYC during registration.
After registration, use the login username and create a strong password. Visit the bank's official website or download their mobile app to log in to Internet Banking using login credentials.
Yes, Internet Banking is secured through high-level encryption, automatic log-outs, multi-factor authentication, and real-time notifications sent to the registered mobile number and email ID for activity.
If you forget your Internet Banking password, you can reset IB password using customer ID and you will be asked one or more of the following options: Debit card/Email link/KYC followed by OTP verification. Go to the bank's login page and click on ‘Forgot Password,’ then follow the instructions to authenticate yourself and create a new password.
Internet Banking is available to all individual customers holding Savings and/or Current account, as well as to standalone customers holding only credit card/ loan. This is applicable for all domestic & NRI customers. Depending on the mode of operation, customer should have the appropriate access to the account. Registration is allowed only for individual customers (including Kartha of HUF). Entities and minors are not allowed to register.
Internet Banking is a convenient & fast way to access your account & manage your day to day banking transactions anytime, anywhereat comfort of your home.
The Internet Banking provides you a host of benefits like:
- Dashboard view of all your relationships with Axis bank like your accounts, deposits, loans and your credit cards.
- See your recent transactions.
- Create Instant FD’s and RD’s.
- Make online payments for utility bills and insurance premia.
- Shop on various websites and pay using Internet Banking.
- Transfer money to your own accounts and to other bank accounts.
- Re-charge your prepaid mobile / DTH and data card.
- Track status of issued cheques and of cheques that are in clearing.
- Issue stop payment instructions on issued cheques.
- Request for Cheque Book, Demand Draft and more.
- Update your profile details.
- View and redeem your Loyalty points.
- For a detailed list of services please.click here
You can use the same user ID/login ID for all Axis Bank relationships. You can view all your account details including Loan account, FD/RD and Demat account. You can also view your Card details and Mutual Fund investments. For a detailed list of services please click here For list of services.
Axis Bank Internet Banking gives you accessibility to your account/s - anytime, anywhere, 24X7 - at your own comfort. You can manage your all your daily transactions online. You can view statements, order cheque books, do fund transfers, order DDs, pay your bills & even shop online.
Services
- Account Details:
You can view your bank account details, account balance, download statements. You can also view your Deposits, Demat, Loan & Card Account Details at one place. - Fund Transfer:
Transfer funds to your own Axis Bank accounts, other Axis Bank accounts or Other Bank accounts seamlessly. - Request Services:
You can place requests for Cheque book, Demand Draft, Stop Cheque Payment, Credit Card, Replacement of Debit Card, Redemption of Loyalty points etc. - Investment Services:
You can view your complete Portfolio held with the Bank, Create Deposits, Apply for IPO and Mutual Funds etc. - Value Added Services:
Pay Utility bills for more than 160 billers, Recharge Mobile, Create Virtual Cards, Pay any Visa Credit Card bills, Register for e-statement and SMS banking, View your Tax Credit Details etc.
You can opt for one of the following modes to access internet banking:
- View only - Where you can get the access to only view your account details & statements.
- Transactions with Net Secure – You can get the safe and secure facility to transact online.
Please refer below table for detailed services and facilities available under each mode:
| Sr. No. | Internet Banking Services Availability | View only | Transactions with Netsecure (2nd factor authentication) |
| 1 | View Account Details/Balance | Yes | Yes |
| 2 | Edit Personal Profile Details | Yes | Yes |
| 3 | Download Account Statement | Yes | Yes |
| 4 | Stop Cheque Payment | No | Yes |
| 5 | Request for a Cheque book | Yes | Yes |
| 6 | View Credit Card Details | Yes | Yes |
| 7 | Redeem Edge Loyalty points | Yes | Yes |
| 8 | View Demat Account Details | Yes | Yes |
| 9 | View your Portfolio Summary/Snapshot | Yes | Yes |
| 10 | View your Loan A/C Details | Yes | Yes |
| 11 | Mail Facility | Yes | Yes |
| 12 | Register for e-statement | No | Yes |
| 13 | Transfer Fund to Own Axis Bank Account | Yes | Yes |
| 14 | Transfer Fund to Other Axis Bank Account | No | Yes |
| 15 | Transfer Fund to Other Bank Account | No | Yes |
| 16 | Transfer Fund to Visa Credit Card | No | Yes |
| 17 | Recharge Mobile | No | Yes |
| 18 | Request for Demand Draft | No | Yes |
| 19 | Create Fixed Deposit | No | Yes |
| 20 | Apply for IPO Online | No | Yes |
| 21 | Pay Credit Card Bills | No | Yes |
| 22 | Pay utility Bills | No | Yes |
| 23 | Shop online and pay using Axis Bank Internet Banking | No | Yes |
- You need to click on “Register Here” option.
- Keep your Customer ID, debit card details and KYC details handy. Also ensure that your registered mobile number and your registered email address are active.
- Enter the Customer ID or registered mobile number and click ‘Proceed’.
- Choose from one of various options to continue with the registration journey : Debit Card, OTP, Email, KYC.
- Enter a login password of your choice keeping the rules in mind and re-enter it to confirm the password. You may receive an OTP on the registered mobile number. Enter the received OTP code and click on ‘Submit’.
- The process is complete and you can now log in using the customer ID and password.
Click on the "Reset Here" link in the login page.
You can opt for one of the following modes to access internet banking:
- View only - Where you can get View Only access to your account details & view statements.
- Transactions with Net Secure – You can get the facility to transact online.
You can login using by any of these means:
- Your customer ID or personalised Login ID and password.
- Debit Card Number, ATM PIN.
- mPIN and Customer ID/ Registered mobile number.
Note: You may also create your personalized login ID as follows:
Login to Internet Banking >> My Profile>> Personalise your Login ID >> Personalize >> Enter Login ID of your Choice >> Confirm.
A Customer ID is a 9-digit number which uniquely identifies your relationship with Axis Bank. Your customer ID is usually your login ID for the Internet Banking login. Please mention this ID in all your communications with Axis Bank.
The Customer ID is mentioned in the welcome letter and cheque book. You can also SMS "CustID" for savings account or CustIDCC XXXX(last 4 digits of credit card number) for credit card only customers to 56161600 from your registered mobile number to know your Customer ID.
There are 2 kinds of authentications used to login and validate transactions on the Internet Banking:
- Password - The " Password" is used for logging in and allows you to view your account details. You can enter either your customer ID or create a personalised one-time Login ID.
- Netsecure code - “Netsecure” is a security feature added to have an additional layer of authentication. You are already enrolled for Netsecure i.e. you will receive the OTP through SMS. However if you are an NRI customer, you will need to register , by choosing the mode of receiving the OTP (SMS/Email or Mobitoken). This makes your banking transactions safer.
“Netsecure” is a security feature added to have an additional layer of authentication. You are already enrolled for Netsecure i.e. you will receive the OTP through SMS. However if you are an NRI customer, you will need to register , by choosing the mode of receiving the OTP (SMS, Mobitoken or 1-touch Device). This makes your banking transactions safer.
NRI Customers can use Netsecure with Mobitoken or SMS/Email.
You should remember below points while setting your passwords:
- The password cannot consist of all the characters as are in your Username. For example, e.g. if your username is "Bob", then your password cannot be "Bobby".
- Password should mandatorily contain both digits and letters.
- Password cannot contain following special characters ( ) [ ] @ , : ; \”
- Spaces are not allowed in between password.
- The Password should contain a minimum of 8 characters and a maximum of 28 characters.
- Your new password cannot be the same as any of your previous 3 password(s).
Five consecutive unsuccessful attempts at login will disable the Internet Banking access. To unlock, you can wait for 24 hours to login, or use the “Enable ID” link in the login page, or contact customer care.
If you have forgotten your password and want to reset it, you can click on “Reset Here” link in the login page to commence. Keep your customer ID, KYC details, debit card handy. Also ensure that your registered mobile number and your registered email address are active.
You can opt for one of the following modes to access internet banking:
- As a security measure & risk assessment of your Axis Bank account, Bank might sometimes deactivate your access to Internet Banking. This is to prevent any fraudulent attempts to access your Axis Bank Internet Banking account. Please visit the nearest Axis Bank branch to reactivate the same. To get branch details, click here For branch details.
This might be due to one of the following reasons:
- Incorrect login ID or password:
In case you have forgotten your Customer ID, it is written in the welcome letter and on your cheque book. In case you have forgotten your password, click on “Reset Here” link in the login page to generate your password online. Please note that password is case sensitive. For other login options, ensure that you have filled in the debit card details or mPIN details correctly. Login using mPIN will work only if complete authentication in Axis Mobile app is done. - Disabled login ID:
In case of multiple incorrect login attempts, the system disables your Internet Banking access for the calendar day. You can enable your Login ID instantly using Enable Login ID link in the login page, or by contacting customer care. Alternatively, it will be enabled automatically after 24 hours. - Registration not done for first time user: You have to register to Internet Banking in order to login. Click here to go to the login page and click on the “Register here” link to begin the registration. Keep your customer ID, KYC details, debit card handy. Also ensure that your registered mobile number and your registered email address are active.
- Browser Issues: The Internet Banking is best accessed using the latest version of the below browsers - Internet Explorer, Chrome, Firefox and Safari.
If you get an "Application Security Error" it could have been caused due to the following reasons:
- You used the Back / Forward / Refresh button of your browser.
- You clicked twice on any options/buttons.
- There was no activity in the browser window for a long time.
- You logged in from another browser window. You tried to access the online banking page from a saved or static page.
You should remember below points while setting your passwords:
- The password cannot consist of all the characters as are in your Username. For e.g.If your Username is "Bob", then your password cannot be "Bobby".
- Password should mandatorily contain both digits and letters and special characters.
- Password cannot contain following special characters ( ) [ ] @ , : ; \”
- Spaces are not allowed in between Password.
- The Password should contain a minimum of 8 characters and a maximum of 28 characters.
- Your new password cannot be the same as any of your previous 3 password(s).
If you get logged out abruptly, it could have been caused due to the following reasons:
- You used the Back / Forward / Refresh button of your browser.
- You clicked twice on any options/buttons.
- There was no activity in the browser window for a long time.
- You logged in from another browser window. You tried to access the Internet Banking page from a saved or static page.
We have categorised Service Requests in 3 broad categories
- General Banking Services.
- Tax Services.
- Other Services.
List of various Services under these categories are listed below:
- General Banking Services
- Limit Enhancement:
You can change/enhance the Internet Banking transaction limit. - Cheque Status:
You can check the status of cheques issued. - Request for a cheque book:
You can apply for a cheque book through the Internet Banking. The cheque book will be mailed to your mailing address registered with Axis Bank. Charges as indicated in respective Schedule of Charges will be recovered from your account. - Stop Payment Request:
You can request to stop payment for a cheque / multiple cheques issued. The process is real time and instant. - Order a demand draft:
You can request for a demand draft through the Internet Banking. The demand draft will be dispatched to your mailing address within 2 working days or the same can be collected from selected branch on same day. - Transfer Account:
You can transfer your account from one branch to another branch. - Inward Cheque Clearing Enquiry:
You can check details about cheques under clearing stage.
- Limit Enhancement:
- Tax Services
- Tax Credit Statement:
Through this option you can get details about Tax deducted submitted as per form 26AS. You will be redirected to TRACES website for details. - Download TDS Certificate:
You can download your TDS certificate directly from this service option. - View Pension Payment:
You can generate your Pension Payment Slip from this option. - Income Tax E-Filing:
You can use this option for E-Filing Income Tax. This option will redirect you to the E-Filing portal of IT Department of Govt. of India. - GST Services:
Linking of GSTIN and filing GST through GST Connect. - Form 15 G/H
- Tax Credit Statement:
- Other Services
- CIBIL Report:
You can generate the CIBIL credit score report from this option. This will redirect you to the CIBIL website. - Switch Netsecure Type:
You can change your Netsecure mode with this option. You can change the mode from SMS to Mobitoken or vice-versa. - Schedule of Charges:
You can check Schedule of charges for your account. It is the charge/fee details which are levied on your account. - Updation of personal details like PAN, Address, email ID etc.
- CIBIL Report:
We provide multiple layers of protection to secure your online banking experience:
- 128-bit encryption to keep your transaction safe.
- A high secured Login ID and Password is one layer of security to access your account.
- Additional layer of authentication in the form of Netsecure code for all - transactions.
- Adaptive authentication which detects the change in login environment and triggers security questions accordingly.
Encryption is a method of scrambling information for transmission to prevent unauthorized parties from reading the information. Secure Sockets Layer (SSL) is the industry standard for encrypted communication and ensures that customer's interaction with Axis Bank over the internet is secure. At Axis Bank we use 128-bit digital certificate from VeriSign for encryption of the SSL session. This encryption of data provides a strong degree of protection against tampering while data is moving through the internet.
'Phishing attacks' are attempts to acquire sensitive customer information such as usernames, passwords and credit card details by using forged company e-mail. These attacks use forged e-mail addresses of companies known to and trusted by the customer. The customer is asked to provide confidential account access information either by e-mail reply or through a link leading to a forged website. The information then may be misused without the customer's knowledge.
Please note Axis Bank will never ask for your personal details or sensitive/confidential information (such as your account number, debit card number, ATM PIN or Online Banking passwords) through an email. Nor would the Bank ask for your password through any other means, phone, fax or in-persons. If any of our bank personnel asks you for your password, do not disclose it and report him or her immediately to us. In case you suspect an email claiming to be from Axis Bank is fraudulent, please report it to the Bank immediately by calling the Call Centre.
To protect your account from online fraudulent activities, please take care of the following:
- Keep your password top secret and change them as often as possible
Changing passwords often helps in protecting your account even if inadvertently you may have disclosed it to someone. - Make your password difficult to crack
When you create your password, make it at least 8 characters long. Include at least one capital letter, one numerals (0-9) and one special character (like #, $ etc.). This makes the password very difficult to crack. - Avoid using cyber cafes to access your Internet Banking accounts
PCs at cyber cafes may be infested with viruses and Trojans that can capture and transmit your personal data to fraudsters. The easiest way to grab information is key logging software, which record all the keystrokes you typed, to be retrieved later for fraudulent usage. Beware of typing passwords on unknown PCs. - Keep your computer secure
Some phishing emails or other spam may contain software that can record information on your Internet activities (spyware) or open a 'backdoor'to allow hackers access to your computer (Trojans). Installing anti-virus software and keeping it up to date will help detect and disable malicious software, while using anti-spam software will stop phishing emails from reaching you. It is also important, particularly for users with a broadband connection, to install a firewall. This will help keep the information on your computer secure while blocking communication from unwanted sources. Make sure you keep up- to-date and download the latest security patches for your browser. If you don't have any patches installed, visit your browser's website, for example users of Internet Explorer should go to the Microsoft website. - Check the website you are visiting is secure
Before submitting your bank details or other sensitive information there are a couple of checks you can do to help ensure the site uses encryption to protect your personal data:- If the address bar is visible, the URL should start with 'https://' ('s' for secured) rather than the usual 'http://'.
- If the address bar is not visible as in our Internet Banking website, look for a lock icon on the browser's status bar. You can check the level of encryption, expressed in bits, by hovering over the icon with your cursor.
- Validate the SSL Certificate
If you are in any doubt, click on the lock icon at the bottom of the secured page. This opens up a new window, displaying the SSL certificate information. Ensure that there is no red cross mark preceding the title 'Certificate Information'. It should also be 'Issues to :https://www.axisbank.co.in
You can get more information by clicking on the other tabs in the certificate window. Following the above steps would help you in protect yourself. However, please remember, fraudsters are always trying to stay a step ahead. To ensure that you remain protected at all times:- Never let anyone know your PINS or passwords.
- Do not write them down.
- Do not use the same password for all your online accounts.
- Avoid opening or replying to spam emails, as this will give the sender confirmation they have reached a live address.
- Never respond to emails that request personal information
At Axis Bank, we would never ask for your personal details through an email. Nor would we ask for your password through any means, phone, fax or in-persons. If any of our bank personnel asks you for your password, do not disclose it and report him or her immediately to us. If you do not recognize an amount charged to you, please report the same in writing to Axis Bank immediately. In case you suspect an email claiming to be from Axis Bank is fraudulent, please report it to the Call Centre.
Please note the fact that the website is using encryption doesn't necessarily mean that the website is legitimate. It only tells you that data is being sent in encrypted form.
If you suspect that there has been an unauthorised transaction in your account, please report it to the Bank immediately at customer.service@axisbank.com.
NCRP is an initiative of Government of India to facilitate victims/complainants to report cyber crime complaints online. It caters all types of cyber crime complaints including complaints pertaining cyber crimes such as mobile crimes, online and social media crimes, online financial frauds, ransomware, hacking, cryptocurrency crimes, online cyber trafficking etc. For more details please visit the website - https://cybercrime.gov.in.
Netsecure is an enhanced security feature provided by Axis Bank to make your online transactions safe and secure. Once you register for Netsecure, you can generate a one-time password through SMS or 1-touch Device which will be used for online transactions.
It is mandatory to register for Netsecure only if you are an NRI customer. This will enable you to do financial transactions like fund transfer, bill pay, recharge etc. In case you don't want to register for Netsecure, your access will be limited to 'View only'. You will only be able to view your account details. There is no separate Netsecure registration process for domestic customers.
The different type of Netsecure options available are:
- Netsecure with SMS –Netsecure Code will be sent to your registered mobile number. This option is available for both domestic and NRI customers. Netsecure OTP on email is available for NRI customers only.
- Netsecure with 1-Touch Device – You can generate Netsecure code using the 1-Touch device.
- Mobi-Token Application – You can install the Axis Netsecure app from App Store or Play Store to generate the OTP using the app. This option is currently available to NRI customers only.
It is mandatory to register for Netsecure only if you are an NRI customer. When you login to Internet Banking, you can select the Netsecure option of your choice. Please note that this option will be visible only if your user ID is enabled for funds transfer. If your ID is view only, you will not be able to see this option. To enable fund transfer, please submit a request at the nearest Axis Bank branch.
Registration for Netsecure (NRI)
- Post logging to the Internet Banking, click on register for Netsecure link.
- You can choose from two options- SMS, or Mobitoken. Select the mode you want to opt. You will receive the password through that mode. Click here to View demo.
- Enter your mobile number and Submit. (Please enter the same mobile number that you have registered earlier with the Bank).
- In case your mobile number does not match with Bank’s records, you will get a message saying "Mobile number not as per records".
- To register your mobile number, please visit your nearest ATM / Branch. Click here For register your mobile number to know more.
- To register for Netsecure code with SMS, you must first ensure that your mobile number is registered with the Bank.
- If you currently receive SMS Alerts, your mobile number is registered with the Bank. If not, please visit your nearest Axis Bank ATM or Branch to register your mobile number.
- Once you have ensured the same, log in to Internet Banking and choose "Register SMS" option on the registration page. Then enter your registered mobile number. Your NETSECURE registration is now complete.
In case you have not received Netsecure code on your registered mobile number, you can click on “Resend OTP” button to receive the same Netsecure Code.
If you still have not received the Netsecure Code, you can click on “On Call OTP” button to receive Netsecure Code through an automated voice call on your registered mobile number. “Resend OTP” button changes to “On Call OTP” post 90 seconds.
No, a NETSECURE Code can only be used once and before it expires. Remember, every NETSECURE Code expires in 90 seconds.
You will get the error "Netsecure Code entered is incorrect" if you enter incorrect Netsecure Code or if the Netsecure code has expired. In case you face this error, you can click on "On Call OTP" to get a new Netsecure code through an automated voice call on your registered mobile number. Use this OTP for your transaction.
Please note five consecutive unsuccessful attempts to enter Netsecure code will suspend your user ID for the day.
Axis Bank makes all efforts to ensure that you receive the SMS on time. However SMS delivery is not under control of the Bank. Hence on non-receipt of SMS, please click on “Resend OTP” to receive the same Netsecure Code. If you have still not received the Netsecure Code , you can click on “On Call OTP” to receive Netsecure Code through an automated voice call on your registered mobile number.
NETSECURE 1-Touch is a small device that generates a unique NETSECURE Code (a single usage password) every time a button on it is pressed and held. This NETSECURE Code will have to be entered in addition to your login ID and password to login to Axis Bank Internet Banking.
Please note that you will be charged a one-time fee of Rs 1000 for the device, which is non-refundable.
The bank will dispatch the 1-Touch device to your registered address. You will receive it within 10 working days.
There is a one-time charge of Rs. 1000 plus taxes for 1-Touch device.
In case the 1-Touch device has to be replaced, Rs. 800 charges plus taxes is applicable.
Kindly note that the netsecure code is valid only for 90 seconds. If you are getting an "Invalid Net Secure Code" error, then you need to generate a new Netsecure code from the 1 touch device. If the error persists use “Resync” link for synchronization of 1 touch device.
The netsecure code is valid only for 90 seconds. If you are getting an "Invalid Net Secure code" error, then you need to generate a new Netsecure code from the 1 touch device. If the error persists use “Resync” link for synchronization of 1 touch device.
The daily transaction Default limit for the day is ₹ 5 Lakh. There is no maximum limit for Funds Transfer. You can enhance your daily limit upto 50 lakhs through the Internet Banking. You can place a request for increasing the limit beyond ₹ 50 lacs and the same is processed on case to case basis.
You can do the following types of Fund Transfer:
- Fund Transfer between your own accounts.
- Fund Transfer to any Other Axis Bank account.
- Fund Transfer to Other Bank's Account (NEFT/RTGS/IMPS).
- Visa Card Payment.
- Instant Money Transfer.
Yes, this facility is available to Non-Resident Indians also. Funds can be transferred from a NRE account to another NRE / NRO / Resident account. Similarly, funds can be transferred from a NRO account to another NRO / Resident account. However, funds transfer is not possible from resident accounts to NRE accounts.
Charges are applicable dependent of the type of transfer. You will see the charges applicable prior to submitting the fund transfer request.
- The funds are transferred to any Axis Bank account instantly on a best effort basis.
- Funds transferred through IMPS will get credited immediately.
- Funds transferred to any other bank account before cut-off time will be credited on the same day, post cut-off time, the same would be credited on the next working day.
NEFT is a RBI service network which allows participating Banks and their branches to transfer funds within the network in a relatively short period of time. We have extended this service to our customers through the Internet Banking interface. With this you can transfer funds to various branches of most of the banks.
To carry out a transfer you need to first register the payee online. For registering a payee keep the following information handy:
- Name of the beneficiary bank, and the name of the beneficiary customer.
- Beneficiary account number.
- IFSC of the receiving branch.
- Account number from where the funds will be debited.
- Amount to be remitted.
- Sender to receiver information, if there is one.
The Indian Financial System Code (IFSC) is an RBI issued code which is being used in the NEFT system to identify recipient bank branches. While selecting the payee's branch, it is essential that the IFSC code mentioned against the branch be the same as the IFSC of the branch you want your funds to be transferred to. The IFSC is mentioned on cheque books on every cheque leaf below the Bank name and address.
Login to Internet Banking on www.axisbank.com
- Addition of Axis Bank Beneficiary
- Go to PAYMENTS and click on Transfer Funds.
- Select the option "Other Axis Bank Account".
- Click on "Register New Beneficiary".
- Enter the Beneficiary Nick Name and Account Number/Mobile Number. Click on Get Account Details. The name of the beneficiary will be displayed on the screen. Validate if the correct beneficiary is being registered.
- Enter the Netsecure code to complete registration.
- Your beneficiary is now registered.
- Addition of Other Bank Beneficiary.
- Go to PAYMENTS and click on Transfer Funds.
- Select the option "Other Bank Account".
- Click on "Register New Beneficiary".
- Enter the Beneficiary Nick Name and Account Number. Click on Get Account Details. The name of the beneficiary will be displayed on the screen. Validate if the correct beneficiary is being registered.
- Enter the Netsecure code to complete registration.
- Your beneficiary is now registered.
Please note that for the safety of your account, funds transfer to any new beneficiary will be enabled only after 30 minutes post activation.
Payments having incorrect registration details are generally returned by the recipient bank on the second or third day of the transaction. In rare cases when the recipient bank does not revert with the funds, then a follow up is needed. Please contact us for the RBI reference number of the transaction, basis which you can follow up with the beneficiary bank.
NEFT transactions will be available 24x7 on Internet (Corporate & Retail) and Mobile Banking Channels w.e.f. 16th December 2019 as per details given below:
- From 8.00 AM to 6.30 PM – As per customer approval limit.
- From 6.30 PM to 8.00 AM (including 2nd & 4th Saturday, Sunday & RTGS Holidays) – Less than INR 1 Crore (Transaction which are INR 1 Crore or above will be processed on the next RTGS day).
NEFT transactions will be available 24x7 on Internet (Corporate & Retail) and Mobile Banking Channels w.e.f. 16th December 2019 as per details given below:
- From 8.00 AM to 6.30 PM – As per customer approval limit.
- From 6.30 PM to 8.00 AM (including 2nd & 4th Saturday, Sunday & RTGS Holidays) – Less than INR 1 Crore (Transaction which are INR 1 Crore or above will be processed on the next RTGS day).
Bill Pay is an electronic method of presentment and payment of Bills on the internet. This service is currently available to all Axis Bank customers who are registered for the Internet Banking. It enables you to pay bills at any time of the day through the internet. This service basically allows you to view bills of your registered service providers on the Internet. You can schedule your payments by giving authorization to the Bank for making these payments at a later date. Subsequently, the Bank will debit your account for the exact amount that you have indicated to pay to the respective Service Provider.
Axis Bank's Net Banking uses the highest level of encryption possible (i.e. 128 bit SSL) for transacting on the net. Your online Bill Pay sessions are encrypted within the banking server and provide you with highest safety level while conducting your transactions.
No, you don't have to fill in any registration forms for this service. You need to have an active Axis Bank Internet Banking User ID and Password.
All you need to do is register the Biller to whom you wish to make a payment.
No, bill payment facility is free for you.
You can access any of your linked active accounts to make your payments. You need to specify the account number while setting up your payment instruction online. Also you should have access to the specified accounts through Internet Banking.
You can pay bills for all the registered billers of Axis Bank. For a complete list of billers, click on the drop down list under the "Add New Biller" under "Pay Bill" section of the Axis Bank Internet Banking.
There are no restrictions on number of billers that you can register under Pay Bills option provided in Internet Banking.
To register a biller
- Go to the "Pay Bills" section under accounts tab after you log in to Internet Banking.
- Click on "Add New Biller" in the navigation section on the left.
- Add the relevant details of the Biller and validate it through Netsecure to complete the registration.
You will receive an SMS alert on your registered mobile number once the registration is done.
Yes, you will continue to receive your bill from the biller as always as per your arrangement with the biller, even after registering for the service with us. We make no change to the arrangement you have with your biller regarding paper or e-bill.
Yes, you can add, delete or change the biller registered earlier by going to the Pay Bills section.
You can pay your bills by two ways
- Auto Pay on the due date.
- Manual Payment.
If you have multiple accounts with us, please select the account which should be debited in the case of the Auto pay option.
In case of Manual Payment, the bill payment should be done manually on presentment of the bills. Please schedule or make this payment one day prior to the due date displayed on the screen. For example, if your bill due date falls on 10-12-2018, the payment date will be shown as 09-12-2018. In this case the payment should be made or scheduled to be paid on or before 08-12-2018.
No, not all billers provide both the payment options. Some billers offer only the "Manual Pay" option while others offer only the "Auto Pay" option. Some billers offer both these options.
We update your billing details online as soon as we receive the same from the biller. Please note we are totally dependent on the utility company for receiving the billing details.
AutoPay is a bill payment feature for all 'View and Pay' billers where you can set instructions to auto-debit your account for payments against bills presented by the biller, on the due date.
Auto pay can be of two types
- You can set up a limitless auto-debit instruction, where bills for any amount will be scheduled for payment.
- If you wish to review the bills above a certain amount before making payments, then you may also set up a limited auto-debit instruction. Bills within the limit will automatically be scheduled for payment on the due-date. In case the bill amount is more than the specified limit then the bill will wait in your Axis Bank Internet Banking account for you to review and set payment instructions. 'AutoPay' payments will be carried out against your chosen account, subject to the availability of funds.
You can alter your AutoPay instructions at any point of time. If you wish to cancel or change a bill scheduled through AutoPay, you may do so for the next pending bill or for all the scheduled bills.
Pay Later allows you to set payment instructions for a future date. Please note that AutoPay instructions schedule the payment of your bill on the due date of the bill.
It takes about 2-3 days for your payments to reflect in the biller's account. We request you to make/schedule payments earlier than the billing date.
Your scheduled payment is processed in the evening of the specified scheduled date. The payment is sent to the biller on the next working day. We request you to make/schedule payments earlier than the billing date.
It takes approximately 2-3 working days for the payments to be processed.
It is advisable that your scheduled date be at least 3 working days before the due date, since it takes billers a couple of days to update their records with the electronic payment received from Axis Bank.
Yes, you can cancel a scheduled payment from the pending payments option under the Bill Payment section of Axis Bank Internet Banking. Please note that scheduled payments cannot be cancelled on due date.
Billers offering the 'View Bill and Pay' payment option do not allow payment after due date. Billers offering the Direct Pay option accept part payments and payments after due-date.
You are given a reference number for successful payments. Your account statement includes the details of your transaction. You can also check the payment history under the Pay Bills tab.
You can delete a registered biller by following the steps given below
- Login to your account and select Pay Bills option under Payments tab.
- Select the biller, under My Billers ,which to be deleted, select the button "De-Register Biller".
You can delete the biller by clicking on the De-Register Biller button. For confirmation, you need to enter the NETSecure Code.
For Billers who are in presentment mode you will not be able to delete the biller if your bills are in "Pending", "Waiting for acceptance" or "Rejected" Status.
The Bill Pay service provides archiving facility for the bills paid by you during the last twelve months through this service. Axis Bank's Bill Pay service in addition to providing archiving facility also provides an option to generate customized reports for certain payments made by you.
Once the payment is made to the Biller, you will receive an e-mail / SMS confirmation from the Bank regarding the transaction which could serve as your receipt. As the payment is being made by directly debiting your account, the transactions are also reflected in your Bank statement.
In case you wish to make your payments through cheque or by any other mode to the Biller, the bills are archived so that you can retrieve them at a later stage. You will however continue to receive the e-mail message that a particular bill is overdue and that the payment is to be made. You have the option to delete the bill from the Bill Pay system. In this case, the record of the bill and its payment shall not be stored in the system.
There are multiple ways in which you can get to know about the bill payment.
- If your service provider informs their customers about the bill's due dates and payments through SMS, you will receive SMS alerts.
- If you are registered for Mobile Banking with Axis Bank, you will get SMS alert for every debit /credit transaction hitting your account.
- You can view your account through Internet Banking.
- The debits will also reflect in your account statement.
Direct Debit is the facility offered by Axis Bank that lets you make online payments at various merchant websites. You can use your Axis Bank Savings account to make online purchases at these merchant websites. There is no need to remember your debit card details. All you need is to login to net banking and authenticate the transaction.
The steps to use Direct Debit are
- Visit any of the merchant websites.
- Select the product or service that you would like to pay for.
- From the payment options offered by the merchant website, select Net Banking or Internet Banking as your payment option and choose Axis Bank Internet Banking.
- On selection, you will be directed to the Axis Bank Internet Banking. You need to authenticate and confirm your payment.
- Select the account through which you wish to make the payment and confirm the transaction.
- After the purchase amount is debited from your account, you will be redirected to the merchant website to complete the purchase.
To check if your account has been debited or not, you need to login to the Internet Banking and check your account statement for that transaction.
Yes, your Merchant transactions/Direct Debit transactions are subject to the daily default limit set for your account in the Internet Banking.
Only those accounts which have been enabled for transactions on the Internet Banking would be allowed on Direct Debit. Please visit your nearest branch for resolution.
Merchant transactions/Direct debitis the facility offered by Axis Bank that lets you make online payments at various merchant websites. You can use your Axis Bank Savings account to make online purchases at these merchant websites. There is no need to remember your debit card details. All you need is to log-in to net banking and authenticate the transaction.
The steps to use Merchant transactions/Direct Debit are
- Visit any of the merchant websites.
- Select the product or service that you would like to pay for.
- From the payment options offered by the merchant website, select Net Banking or Internet Banking as your payment option and choose the Internet Banking.
- On selection, you will be directed to the Internet Banking. You need to authenticate and confirm your payment.
- Select the account through which you wish to make the payment and confirm the transaction.
- After the purchase amount is debited from your account, you will be redirected to the merchant website to complete the purchase.
Adaptive Authentication is used to verify the users at login stage. It identifies the changes in the way customer usually logs in. When there are changes in the regular login environment of the customer, the system prompts the customer to answer security questions which were set by him/her earlier.
This helps prevent unauthorized access to customers account.
InIn the recent past there have been increasing cyber-attacks (Phishing, Malware, Man-in-the-browser attacks, etc.) on Internet Banking users. The secure credentials and NETSECURE with SMS may get compromised through malicious activities by fraudsters.
For prevention of such frauds, Bank has launched security questions for all customers who are registered for NETSECURE with SMS. Security question will verify the user at login stage itself, this will help prevent unauthorized access to customer’s account.
Set answers to questions:
- On logging in to Internet Banking, the customer sets answers to any 3 questions as one time exercise.
- The customer can change these questions and select any 3 questions.
- On answering these questions, the customer’s device is registered as a secure login device.
- Customers are requested to remember these answers as they may be prompted to answer these questions from time to time.
Verification of Questions:
- On the next login, if these usual login details change, the customer is prompted to answer the questions saved earlier for verification.
- If all attempts to answer these questions are unsuccessful, Internet Banking access will be blocked for 24 hours.
Yes, even if you have registered for NETSECURE with SMS you will have to answer these questions.This will help us prevent unauthorized access to your account from hackers and fraudsters.
Yes, it is mandatory to set answers to the security question. It is a one-time activity to help protect unauthorized access to your account.
Yes, you can change the questions during registration by clicking on the change question link provided.
At any point of time during registration, you may change any question, any number of times.
Yes, you can login through your usual device or visit the nearest Axis Bank ATM/Branch to reset these security questions anytime.
Usual Device is the device with which you have already used to either set or verify your questions.
Yes, you can log in to Internet Banking from any computer. If the computer you are using is different from the one you normally use, you will have to answer your security question(s) before you start banking online.
This could happen for the following reasons:
- Change in browser, i.e Internet Explorer, Mozilla Firefox, Google Chrome, Safari, etc.
- Change in your location or device, i.e Home and office PC or a combination of any of the above reasons.
The system only saves the answers to the questions selected by you. It is possible that one may forget the questions set earlier. If you are unable to answer correctly, then you can reset your questions through one of the following modes –
- Try using a usual device.
- Reset the questions using the ATM.
- Visit a branch.
The system only saves the answers to the questions selected by you. It is possible that one may forget the questions set earlier. If you are unable to answer correctly, then you can reset your questions through one of the following modes –
- Try using a usual device.
- Reset the questions at any Axis Bank ATM.
- Visit a branch and submit a request to reset the questions.
Internet Banking access is locked only if there are 5 incorrect attempts while entering login password or 4 incorrect attempts when answering questions. This is to prevent any unauthorized access to your account.
In case you are answering registration questions and the connection fails mid-way then you will have to restart the whole process.
You will be asked to answer these questions only when you log on to Internet Banking from a device other than your usual device. Once you have logged in, you will not be asked these questions again.
You will be given 4 attempts to answer correctly. If you are unable to answer correctly, your Internet Banking access will be locked to prevent any unauthorized access.
If your Internet Banking access gets locked due to maximum incorrect attempts at answering the security questions, then it will be automatically unlocked after 24 hours. You can visit an ATM to reset the
questions.
Once unlocked, you can login through your usual device. You may also visit the branch to reset questions, however that has a TAT of 1 day.
The process to reset question through your usual device is as under -
- Login into Internet Banking and Go to My Profile.
- Select ‘Reset Security Questions’.
- Confirm the reset with an SMS OTP sent to your registered mobile number.
Questions set by you earlier will be immediately cleared from your profile. You can set new questions on your next login to the Internet Banking. An alert will be sent to your registered mobile number.
Please follow process given below to reset question at any Axis Bank ATM:
- 1. Select 'Registration' menu on the right side of the ATM screen.
- 2. Select 'Reset Questions'.
- 3. Enter the mobile number for verification/ Re-enter the mobile number.
- 4. Select 'Confirm and Proceed'.
- 5. You will get a success message that your security answers have been reset.
Questions set by you previously will be cleared from your profile. You can set new security questions the next time you login to Internet Banking. An alert will be sent to your registered mobile number.
Follow the procedure to reset the security questions through your branch:
- Visit the branch and provide a written request for reset of security questions.
- Branch will raise an SR for this request.
- The questions will be reset within 1 day.
- You can login and set new security questions again on the next day.
Yes, special characters can be used in the answers.
No, the answers set are not case sensitive.
As of now, this service is free of charge and is a security measure for your online account safety.
No. You can reset Security questions at any Axis Bank ATMs.
Terms & Conditions
This document lays out Terms and Condition for Internet Banking which are applicable to all existing accounts and accounts that will be opened with Axis Bank any time in the future. Terms and Conditions for Internet Banking is a contract between a user and the bank.
- In this document the following words and phrases have the meaning set opposite to them unless the context indicates otherwise.
- Bank refers to Axis Bank Limited, a banking company incorporated in India under the Companies Act, 1956 and having its Registered Office at "TRISHUL", Third Floor, Opp. Samartheshwar Temple, Nr. Law Garden, Ellisbridge, Ahmedabad - 380 006, Gujarat, India, including any branch / office thereof. The term includes the successors and assigns of the Axis Bank Limited.
- Axis Bank Internet Banking is the Bank's Internet Service, offering the following facilities to the user: Balance enquiry, statement of account, request for issue of cheque book, view personal account information, details of holding / statement of demat accounts and other facilities as the Bank may decide to provide from time to time like transfer of funds between accounts.
- user refers to any person/s who is/are either an account holder or sole signatory or authorised to act when there are more than one signatories and/or has been authorised by the Bank to avail the Internet Banking Service provided by the Bank.
- Account refers to the user's Savings and/or Current Account and/or Fixed Deposit and/or Cash Credit Account and/or Depository Account and/or any other type of account so designated by the Bank to be covered under the Axis Bank Internet Banking facility.
- Terms refer to terms and conditions for use of Axis Bank Internet Banking as detailed in this document.
These terms form the contract between the user and the Bank. By applying for Axis Bank Internet Banking and accessing the service, the user acknowledges and accepts these terms. These terms will be in addition and not in derogation of the terms and conditions relating to any account of the user.
Application for Axis Bank Internet Banking
Axis Bank Internet Banking will be available to the customers upon opening of savings account with the bank, without requiring completion of any formalities for activation of such service, provided the Primary Applicant's mobile no. is shared in section D (Address Details). The user would need to be a current legal Internet user or have access to the Internet and knowledge of working of the internet. However, at any point of time the Bank may restrict Axis Bank Internet Banking facility to certain customers at its discretion. An existing bank customer who is not registered for Internet Banking may fill up the registration form for Axis Bank Internet Banking and submit it at any of the Bank’s branches. Upon receipt of request in the Bank's prescribed form and subject to the satisfaction of the eligibility criteria notified by the Bank, from time to time, access shall be provided by the Bank at its discretion through Axis Bank Internet Banking. The user shall not attempt or permit others to attempt accessing the account information stored in the Bank's computers which does not relate to his or her account through any means other than Axis Bank Internet Banking or for illegal and improper purposes which if done and proved so, will be liable for action under the appropriate law and withdrawal of the facility enjoyed.
Instructions
All instructions for operating the Axis Bank Internet Banking facility shall be given to the user by Internet in the manner indicated by the Bank. The user is also responsible for the accuracy and authenticity of the instructions so provided to the Bank and the same shall be considered to be sufficient to operate the Axis Bank Internet Banking facility. The Bank shall not be required to independently verify the instructions and the instruction once given is effective unless countermanded by further instructions within a short span of time. The Bank shall have no liability if it does not or is unable to stop or prevent the implementation of the initial instructions. If the Bank considers the instructions to be inconsistent or contradictory, it may seek clarification from the user or may act upon any instructions as it may think fit.
The Bank will advise from time to time the Internet softwares, such as browsers which are required for using Axis Bank Internet Banking. There will be no obligation on the Bank to support all the versions of these Internet softwares. The user shall upgrade his software, hardware and the operating systems at his cost from time to time and the Bank shall be under no obligation to support the software, hardware and operating systems of the user and that the same shall be the sole responsibility of the user.
- The user desiring to avail Axis Bank Internet Banking should either be the account holder and sole signatory or authorised to act independently in case of a joint account. For such joint accounts, one user ID and Password will be issued to each of the joint account holders when requested. The other joint account holders shall expressly agree with the arrangement and give their consent.
- All correspondence will be addressed to the mailing address. All transactions arising from the use of Axis Bank Internet Banking in the joint accounts shall be binding on all the joint account holders, jointly and severally. The Bank shall in no way be liable for any loss / damage whatsoever that may be incurred or alleged to be incurred by the other joint account holder in such an event.
In case of accounts opened for and on behalf of a minor, the natural guardian shall undertake to give all the instructions relating to the operation of the account and further undertake not to reveal the user ID and Password to the minor, which if done so will be at the risk and consequences of the guardian and the Bank shall not be liable for any loss on that account if the account is operated by the minor. In such an event the transaction will be deemed to have been undertaken by the guardian.
The Bank shall take reasonable care to ensure the security of and prevent unauthorised access to the Axis Bank Internet Banking Service using technology reasonably available to the Bank.
The user accepts and unconditionally agrees to the following:
- Upon approval of the Account-Holder's application, the customer will be allotted a Login ID and Password to access the Axis Bank Internet Banking facility.
- If the pin mailer reaches the customer in a tampered/damaged condition, the Bank will be forthwith contacted.
- On accessing Axis Bank Internet Banking for the first time, the user shall change the Password assigned by the Bank through the relevant option. The user is liberal to change the Password as many times as they want at their risk and consequences. The user will be solely responsible for maintaining secrecy of the Password, so changed, and the Bank in no way shall be responsible for the misuse of the said Password by any person other than the authorised user.
- The Bank does not assume any responsibility on this behalf including against loss incurred by the user as a result of misuse/unauthorised use of user ID/Password.
- In case the user forgets the Password, a new Password may be obtained from the Bank against a written request. Such replacements shall not be construed/deemed at the commencement of a new contract. In such an event the Bank shall provide the new Password within a reasonable period of time. However, till such time no transactions would be affected.
The user accepts and unconditionally agrees to the following:
The customer sets answers to the security questions to enhance security of Internet Banking login.
The user is liberal to change the answers as many times as they want but at their risk and consequences by placing a request at the branch. The user will be solely responsible to maintain secrecy of the answers so changed and the Bank in no way shall be responsible for the misuse of the said answers by any person other than the authorized user. The customer undertakes that security answers shall be kept away from third parties and shall not save his / her login password, security answers and transaction password in a recognizable form including the username or on any other item carried along with the internet services. If they let any other person have knowledge of their Security Question/Answer, they are liable for all claims, losses and consequences arising from or in connection with all transactions made using the Service by or with the consent of that person. The Bank does not assume any responsibility on this behalf including against loss incurred by the user as a result of misuse / unauthorized use of these details. In case the user forgets the answers, branch can be contacted for resetting them.
The Bank reserves the right to charge and recover from the user any fixed charges for providing any service under Axis Bank Internet Banking facility. The user hereby authorises the Bank to recover the service charges by debiting one of the accounts of the user or by sending a bill to the user who will be liable to make the payment within a specified period. Failure to do so shall result in recovery of the service charges by the Bank in a manner deemed fit along with interest, if any, and/or withdrawal of Axis Bank Internet Banking facility without any liability to the Bank.
All correspondence/delivery of any instructions or their communication by the Bank shall only be made at the normal postal address and/or e-mail address as registered with the Bank. The Bank shall in no way be held responsible for any non-receipt of the same.
Internet Banking will be provided to users with certain default facilities that do not require second factor authentication (Netsecure) as detailed out in Annexure I. To avail all the facilities of Internet Banking a user has to register for Netsecure (second factor authentication) online by logging into internet banking. The facilities available with and without Netsecure are detailed out in Annexure I.
A customer can request for issue of the cheque book. For dispatch of cheque book to overseas addresses of NRI customers, courier charges, as mentioned in the schedule of charges and updated on the web site from time to time, will be borne by the customer.
Transaction Processing (As and when introduced by the Bank)
- All the requests for instantaneous financial transactions will be given effect instantaneously.
- The user shall not hold the Bank responsible for not processing/affecting any transaction in case the Bank does not receive instruction to this effect even though the customer has forwarded the same.
Demand Draft will be issued on the locations where the Bank either has a branch or has an arrangement with its correspondent bank at that location.
The user shall not use or attempt to use the Axis Bank Internet Banking for funds transfer without sufficient funds in the relative account or without a pre-existing arrangement with the Bank for the grant of an overdraft. The Bank will endeavor to effect such funds transfer transactions received through Axis Bank Internet Banking, provided there are sufficient funds available in the user’s account. The Bank shall not be liable for any omission to make all or any of the payments or for late payments due to circumstances beyond the reasonable control of the Bank.
The user shall maintain sufficient funds for payment of bills on the scheduled date. The Bank shall not be liable for non-payment due to insufficient balance or circumstances beyond the reasonable control of the Bank, including technical problems of connectivity, computer breakdown, non-availability of communication links, etc.
The Bank shall in no way be responsible for the non-payment of the user's bills within the time stipulated and the user alone shall be bound to pay or discharge the interest, penalty or any such charges. Further, the Bank shall not be called upon to indemnify the user.
All disputes such as excess billing, disconnection of service or facility, wrong credit or debit by the Bank, shall be resolved by the user only, and the Bank shall in no way be responsible for the same.
[* Applicable as and when these facilities are introduced by the Bank.]
- Axis Bank Internet Banking transactions in the user's Account(s) are permitted only after authentication of the user ID and Password of the user. The user (along with the joint account holder, if any) grants express authority to the Bank for carrying out the banking transactions performed by him through Axis Bank Internet Banking. The Bank shall have no obligation to verify the authenticity of any transaction received from the user through Axis Bank Internet Banking or purporting to have been sent by the user via Axis Bank Internet Banking other than the means of verification of the user-ID and the Password. Illegal or improper use of the Axis Bank Internet Banking facility shall render the user liable for payment of financial charges as decided by the Bank or will result in the suspension of the operations through Axis Bank Internet Banking.
- The display or printed output that is produced by the user at the time of operation of Axis Bank Internet Banking is a record of the operations of the Internet and shall not be construed as the Bank’s record of relative transactions. The Bank's own record of transactions maintained through computer systems or otherwise shall be accepted as conclusive and binding for all purposes unless any discrepancy is pointed out within one week from the date of access of their account by the user or from the date of sending the periodical statement to the user, whichever is earlier.
- The user is responsible for the correctness of information supplied to the Bank through the use of Axis Bank Internet Banking or through any other means such as electronic mail or written communication. The Bank accepts no liability for the consequence arising out of erroneous information supplied by the user. The user shall at periodic intervals check the correctness of the statement and shall notify the Bank about any discrepancies that may occur.
- All outputs of statements are duplicate statements of account and will be prepared by electronic means and the information contained therein will be extracted from a computerized Back up system maintained by the Bank. While the Bank will take all reasonable steps to ensure the accuracy of the statement, the Bank is NOT liable for any errors. The user shall hold the Bank harmless against any loss, damages, etc. that may be incurred/suffered by the user if the information contained in the above said outputs turns out to be inaccurate/incorrect.
The user alone shall be liable for any loss from unauthorized transactions in the Axis Bank Internet Banking accounts if he has breached the terms or contributed or caused the loss by negligent actions such as the following:
- Keeping a written or electronic record of Axis Bank Internet Banking Password
- Disclosing or failing to take all reasonable steps to prevent disclosure of the Axis Bank Internet Banking Password to anyone including any minor, Bank staff and/or failing to advise the Bank of such disclosure within reasonable time.
- Not advising the Bank in a reasonable time about unauthorized access to or erroneous transactions in the Axis Bank Internet Banking accounts.
- The Bank shall in no circumstances be held liable by the user if Axis Bank Internet Banking access is not available in the desired manner for reasons including but not limited to natural calamity, floods, fire and other natural disasters of any kind, legal restraints, faults in the telecommunication network or Internet or network failure, power breakdown or UPS breakdown, software or hardware failure and/ or error or any other reason beyond the reasonable control of the Bank. The Bank shall in no way be liable for any loss or damage that may occur due to hacking of the account by any person other than the user, which fits in the definitions of a 'Cyber Related Crime' as accepted internationally. The Bank shall under no circumstances shall be liable for any damages whatsoever whether such damages are direct, indirect, incidental, consequential and irrespective of whether any claim is based on loss of revenue, investment, production, goodwill, profit, interruption of business or any other loss of any character or nature whatsoever and whether sustained by the user or any other person.
The user shall indemnify and hold the Bank harmless against all actions, claims, demands, proceedings, losses, damages, costs, charges and expenses whatsoever which the Bank may at any time incur, sustain, suffer or be put to as a consequence of or by reason of arising out of providing Axis Bank Internet Banking facility or by reason of the Bank in good faith taking or refusing to take or omitting to take action on any instruction given by the user.
The user agrees that the Bank or its contractors may hold and process his Personal Information on computer or otherwise in connection with Axis Bank Internet Banking services as well as for statistical analysis and credit scoring. The user also agrees that the Bank may disclose, in strict confidence, to other institutions, such personal information as may be reasonably necessary for reasons inclusive of, but not limited to, the following:
- For participation in any telecommunication or electronic clearing network.
- In compliance with the legal directive.
- For credit rating by recognized credit rating / scoring agencies.
- For fraud-prevention purposes.
The Bank shall have right to set-off and lien, irrespective of any other lien or charge, present as well as future on the deposits held in the user's accounts whether in single name or joint name(s), to the extent of all outstanding dues, whatsoever, arising as a result of the Axis Bank Internet Banking service extended to and/or used by the user.
- The user acknowledges that the software underlying the Axis Bank Internet Banking service as well as other Internet related software which are required for accessing Axis Bank Internet Banking are the legal property of the respective vendors. The permission given by the Bank to access Axis Bank Internet Banking will not convey or confer any proprietary or ownership rights in the above software. The user shall in no way try to alter / tamper or experiment with the said programme. Any breach on the part of the user will be dealt under the appropriate law and user shall be liable for damages that may be incurred by the Bank.
- The user shall not attempt to modify, translate, disassemble, decompile or reverse engineer the software underlying Axis Bank Internet Banking or create any derivative product based on the software.
The Bank has the absolute discretion to amend or supplement any of the terms at any time The Bank may introduce new services within Axis Bank Internet Banking from time to time. The existence and availability of the new functions will be notified to the user as and when they become available. By using these new services, the user agrees to be bound by the terms and conditions as applicable and set forth from time to time on the website www.axisbank.com
The grant of facility of Axis Bank Internet Banking to a user is not transferable under any circumstance and shall be used only by the user.
The Bank and the user may give notices under these Terms and Conditions:
- Electronically to the mailbox of either party. Such notices will be regarded as being in writing.
- In writing by delivering them by hand or by sending them by post to the last address given by the user and in the case of the Bank to the address mentioned below:
Axis Bank Ltd., Central Office, Maker Towers 'F', 13th Floor, Cuffe Parade, Colaba, Mumbai - 400 005
In addition, the Bank may also publish notices of general nature, which are applicable to all the users of Axis Bank Internet Banking on its web site. Such notices will have the same effect as a notice served individually to each user and or that of a notice published in the newspaper of print media.
The user agrees that the Bank or its contractors may hold and process his Personal Information on computer or otherwise in connection with Axis Bank Internet Banking services as well as for statistical analysis and credit scoring. The user also agrees that the Bank may disclose, in strict confidence, to other institutions, such personal information as may be reasonably necessary for reasons inclusive of, but not limited to, the following:
- The user may request for termination of the Axis Bank Internet Banking facility anytime by giving a written notice of at least 15 days to the Bank. The user will remain responsible for any transactions made on his Axis Bank Internet Banking account(s) through Axis Bank Internet Banking prior to the time of such cancellation of Axis Bank Internet Banking facility.
- Any dispute or difference arising between the user and the Bank shall be settled by mutual consultation / discussion failing which, the same shall be referred to Arbitration. The Arbitration proceedings shall be governed and conducted in accordance with the Indian Arbitration and Conciliation Act, 1998 and that the Arbitration proceedings shall take place in Mumbai.
- The Bank accepts no liability whatsoever, direct or indirect, for non-compliance or breach of the laws of any country other than the Republic of India. A mere fact that the Axis Bank Internet Banking service can be accessed through Internet by the user in country other than India shall not be interpreted to imply that the laws of the said country shall govern these terms and conditions and/or the operations in the Axis Bank Internet Banking accounts of the user and/or the use of Axis Bank Internet Banking. The user of the Axis Bank Internet Banking facility by a person from any place other than India will not alter the situation and the said user shall be deemed to have submitted himself to the laws of the Republic of India
- The user may request for termination of the Axis Bank Internet Banking facility anytime by giving a written notice of at least 15 days to the Bank. The user will remain responsible for any transactions made on his Axis Bank Internet Banking account(s) through Axis Bank Internet Banking prior to the time of such cancellation of Axis Bank Internet Banking facility.
- The Bank may withdraw Axis Bank Internet Banking facility anytime provided the user is given reasonable notice under the circumstances
- The closure of all Axis Bank Internet Banking accounts by the user will automatically terminate the facility
- The Bank may suspend or terminate Axis Bank Internet Banking facilities without a prior notice if the user has committed breach of these terms and conditions or the Bank learns of the death, bankruptcy or legal incapacity of the user.
The clause headings in this agreement are only for convenience and do not affect the meaning of the relative clause. The user shall not assign this agreement to anybody else. The Bank may subcontract and employ agents to carry out any of its obligations under this contract.
Terms & Conditions for Netsecure
Important - Read carefully before choosing Netsecure with SMS
By choosing SMS as your Netsecure option, you agree your acceptance of the following terms and conditions of this usage
- Your Mobile number is an important component in NETSECURE with SMS option. Hence you are required to provide your correct mobile number. If the mobile number provided by you is already registered with us (it matches with the number present in our records) you will be successfully registered for the NETSECURE with SMS, else the system shall direct you to register your mobile number at Axis Bank's Branches or ATMs.
- In case of theft/loss/change of your mobile number, please report the same to your nearest branch. If the same is not reported, any transactions done through the iConnect using the authentication will be treated valid by the bank and no claims shall be entertained in case of fraud or unauthorized transaction. Till any alternate mobile number is registered with the Bank or the registered mobile number is reactivated you shall not be able to use the services where such NETSECURE Code is compulsory. The Bank shall not be held responsible.
- Once you choose SMS as your NETSECURE option, the bank shall endeavour to activate the security features within 48 hours.
- The NETSECURE Code sent on the registered mobile number expires after a predefined time lag. Hence the user will have to enter the activation code as soon as it is received via SMS. Any code entered after expiry will be rejected by the Bank.
- To the best of the abilities, Bank shall ensure the delivery of the NETSECURE Code on your registered mobile number via SMS. However Bank shall not be responsible for non-receipt of the SMS Code or delay for the reasons beyond its control. The Bank holds no responsibility for any losses occurred due to non-delivery/mis-delivery of the NETSECURE Code through SMS.
- At times of contingencies the Bank reserves the right to disable SMS NETSECURE authentication. The Bank shall be the sole authority to decide as to the contingencies of the situation.
- Bank also reserves the right to add the NETSECURE authentication in more transaction types or remove it from the existing transaction types. The same shall be at the sole discretion of the Bank.
- The account holder shall not have multiple options of using NETSECURE. The option once selected will disable using NETSECURE through other modes of usage. The only option available to the account holder is to de-register from one particular mode and switch over to the other mode.
- Any account holder on registering for the said facility shall be deemed to have read, understood and accepted these terms and conditions as stated above (and as amended from time to time). Axis Bank reserves the absolute right to withdraw/ change/ modify/ suspend/ cancel and/or alter any of the terms and conditions of the enhanced security NETSECURE.
Important – Read carefully before choosing the Webpin option for Netsecure
By choosing webpin as your NETSECURE option, you agree your acceptance of the following terms and conditions of usage:
- Your Mobile number is an important component in NETSECURE with WebPin option. Hence you are required to provide your correct Mobile Number. If the Mobile Number provided by you is already registered with us (it matches with the number present in our records) you will be successfully registered for the NETSECURE with WebPin, else the system shall direct you to register your mobile number at Axis Bank's Branches or ATMs.
- The Secure code sent on the mobile number is a one-time only for a single Computer registered with the Bank.
- In case of theft/loss/change of your Mobile Number, please report the same to your nearest branch. If the same is not reported, the authentication will be treated as valid by the bank and no claims will be honoured in case of fraud or unauthorized transaction by the third party.
- Once you have chosen WebPin as your NETSECURE option, the bank shall endeavour to activate security features within 48 hours.
- Once enforced for WebPin, the account holder will have to register the computer from which the account holder would be accessing the Axis Bank Internet Banking. The Account holder can register as many computers as may be required for the purpose of NETSECURE.
- The activation code sent for computer registration expires after a predefined time lag. Hence you are required to enter the activation code quickly as soon as it is received via SMS. Any code entered after expiry will be rejected by the Bank.
- To the best of our knowledge we shall ensure the delivery of the activation code on your registered Mobile Number via SMS. However we contrite the non-receipt for the reasons beyond our control. The Bank holds no responsibility for any losses occurred due to non-delivery or delay of the delivery of the Authentication code to your Mobile Number.
- For the usage of the NETSECURE with WebPin, Java Runtime environment JRE 1.4.x or above is required in the computer.
- Recommended system requirement for the Web Pin device are :
- PC / Laptop Specifications: 512 MB RAM, Pentium4 onwards
- Internet connectivity Broadband :(512Kbps onwards)
- Operating Systems: Windows 2000 Professional, XP, VISTA, Windows 2003 Server
- Recommended screen resolution: 1024X768
- Supported Browsers: IE 6.0+, Firefox 1.5 onwards (3.0+ recommended), Opera 9.0+, Safari 3.0+
- Mandatory Browser settings: Enable JavaScript, Cookies and Java
- Java Runtime Environment (JRE) requirement: JRE 1.4.x, JRE 1.5.x, JRE 1.6.x and onwards
- In times of contingencies the Bank reserves the right to disable NETSECURE with WebPin authentication. The Bank shall be the sole authority to decide as to the contingencies of the situation.
- The bank also reserves the right to add NETSECURE with WebPin authentication in more transaction types or remove it from the existing transaction types. The same shall be at the sole discretion of the Bank.
- The account holder shall not have multiple options of using NETSECURE. The option once selected will disable using NETSECURE through other modes of usage. The only option available to the account holder is to de-register from one particular mode and switch over to the other mode.
- Any account holder on registering for the said facility shall be deemed to have read, understood and accepted these terms and conditions as stated above (and as amended from time to time). Axis Bank reserves the absolute right to withdraw/ change/ modify/ suspend/ cancel and/or alter any of the terms and conditions of the enhanced security NETSECURE.
Important – Read carefully before choosing the Netsecure with 1-Touch option
By choosing 1-Touch device as your NETSECURE option, you agree your acceptance of the following terms and conditions of usage:
- Once you choose 1-Touch Device as your NETSECURE option, the bank shall deliver the device to your communication address within 10 working days.
- After 10 days from registration request, the bank will activate 1-Touch Device NETSECURE authentication.
- The NETSECURE Code appearing on the 1-Touch Device expires after 50 seconds. The code entered after expiry will be rejected by the Bank.
- In case of loss or theft of the 1-Touch device, please report the loss to your nearest branch. If the same is not reported, any transactions done though the authentication shall be treated as valid by the bank and no claims shall be entertained in case of any fraud. Your 1-Touch Device is personal to you and cannot be shared. In case of misuse by third party, (whether intentional or not) the Bank absolves its liability for the same.
- By indicating to avail the facility of NETSECURE through this mode, you accept to pay the applicable charges of ₹800 for 1-Touch device. In case of replacement of 1 Touch Device, the replacement charges ₹500 per 1-Touch device plus applicable taxes shall be charged by the Bank. The Bank reserves the right to revise the charges and debit the applicable charges with taxes if any, to the account maintained with the Bank. In case of Theft/Loss/misplace of 1 Touch Device till any alternate 1 Touch Device is made available, you shall not be able to use the services requiring such NETSECURE Code for which the Bank shall not be held responsible.
- In times of contingencies the Bank reserves the right to disable the 1-Touch NETSECURE authentication. The Bank shall be the sole authority to decide as to the contingencies of the situation.
- The bank also reserves the right to add the NETSECURE authentication on more transaction types or remove it from the existing transaction types. The same shall be at the sole discretion of the Bank.
- The 1-Touch Device can only be used to access the Axis Bank Axis Bank Internet Banking Web site
- On acceptance of the terms and conditions you will always provide the Bank accurate 1-Touch Device serial number as requested in order to allow the Bank to associate your identity. You will maintain proper possession of the 1-Touch Device.
- For the usage of the 1-Touch device, Java Runtime environment JRE 1.4.x or system requirements as mentioned below, is mandatory in the Computer.
- Recommended system requirement for the 1-Touch device are :
- PC, Laptop Specifications: 512MB RAM, Pentium 4 onwards
- Internet connectivity Broadband :(512Kbps onwards)
- Operating Systems: Windows 2000 Professional, XP, VISTA, Windows 2003 Server
- Recommended screen resolution: 1024X768
- Supported Browsers: IE 6.0+, Firefox 1.5 onwards (3.0+ recommended), Opera 9.0+, Safari 3.0+
- Mandatory Browser settings: Enable JavaScript, Cookies and Java
- Java Runtime Environment (JRE) requirement: JRE 1.4.x, JRE 1.5.x, JRE 1.6.x and onwards
- The account holder shall not have multiple options of using NETSECURE. The option once selected will disable using NETSECURE through other modes of usage. The only option available to the account holder is to de-register from one particular mode and switch over to the other mode.
- Any account holder on registering for the said facility shall be deemed to have read, understood and accepted these terms and conditions as stated above (and as amended from time to time). Axis Bank reserves the absolute right to withdraw/ change/ modify/ suspend/ cancel and/or alter any of the terms and conditions of the enhanced security NETSECURE.
- Axis Bank reserves the absolute right to withdraw/ change/ modify/ suspend/ cancel and/or alter any of the terms and conditions of the enhanced security NETSECURE
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