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OTP for ICICI Bank

If you log in from a location very different from where you usually log in, you may be asked for One Time Password by ICICI Bank of India. One Time Password is an extra layer of security measure introduced by ICICI Bank to prevent online fraud.

One time password is only required when unusual activity is seen. It is not normally observed. There are two ways destinations where you can receive the OTP

1. At the email you registered with ICICI Bank
2. At the mobile phone number you registered with ICICI Bank.

The OTP is typically triggered in the following scenario. You are a NRI who typically resicde in US and access the bank from US. The ICICI Bank may recignize the IP Address where you log in. Now you move to India on vacation and need to use your ICICI Bank for making a train reservation. The ICICI Bank then “may” require you to enter the OTP.

A problem as an NRI that you may face is that, you may not have the access to the US mobile phone. In that case you will have to check your email. The email will typically look like this’

Dear Customer,

Thank you for banking with us.

As a part of our security measures, we have enabled the use of an OTP (One-Time Password) for your current session. The OTP to access your account is 1234567.

Please use this OTP immediately.

Please do not share your OTP with anyone, even if the person claims to be an ICICI Bank official.

If you have not logged into your Internet Banking account recently and yet have received this password,

please call our 24-hour Customer Care immediately to report as FRAUD.

Note that you may have to wait for some time before the email arrives in your inbox.

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  1. Muhammed Anseer
    December 30th, 2011 at 03:29 | #1

    The OTP really sucks as I am not able to login when I upgraded my IE7 browser to IE8. I am going to stop ICICI account when I am back to India.
    Otherwise they could have provided a user option to receive OTP either through mobile ot Email.

    Definitely this nonsense OTP security concepts would make loss for their buisiness

  2. kalaiselvi
    January 2nd, 2012 at 23:44 | #2

    This OTP is secure process, but it can be created only for new login in unusual system not for more than time.. Mostly all the IT peoples will use the Account @ office only rarely they wil use at home, during this each login if it asked not good.. make oit as a single otp for login unusual.

  3. February 5th, 2012 at 22:06 | #3

    I am maintaining SB account at a Chennai branch. I am trying to log on to my account for the past 5 days unsucessfully due OTP requirement. Everytime i log on system asks for OTP and i do not get OTP to my mobile. I sent emails to the customer care but no reply or ack. received so far.
    Even if i send a sms request for OTP, reply will be “time out” or to send another lengthy msg in different manner to ” i help”. Making a call to the customer care and getting reply will be very difficult.

  4. April 17th, 2012 at 07:04 | #4


  5. Lavanya Sethi
    February 2nd, 2013 at 02:55 | #5

    I am Lavanya.N holding ICICI account in Delhi Vikaspuri Branch branch for more than four years. On 11th of December 2012, myaccount statement showed that there were three VPS transaction made using my ICICI Debit card. But the card was with me. So Immediately I called customer care and asked to block my card to stop further invalid transactions happening from my card.
    When I enquired customer care, I was asked to file a fraudulent case and as said I gave a complaint about this issue in Police station on 12th Dec 2012. And on further enquiry with ICICI customer care I came to know that all the three VPS transaction was made in 3 different shops in Bangalore.
    Hereby I kindly request you to suggest necessary action to find out the fraudulent that has happened and help me in getting back my money which is altogether a total sum of Rs.5640/- .
    Following are the transactions made in Bangalore.
    No Value Date Transaction Date Description Withdrawals Available balance Time
    11/12/2012 11/12/2012 VPS/SMART-NANDI/20110111124321/0 2,330.00 6,920.66 12.44
    11/12/2012 11/12/2012 VPS/TRINETHRA S/20110111130344/0 2,310.00 4,610.66 13.04
    11/12/2012 11/12/2012 VPS/KANTI SWEET/20110111164251/0 1,000.00 3,610.66 16.43

    Please help me in finding this fraudulent transaction that has happened from my ICICI account. I have also filed a complaint in ICICI as well as here, http://www.consumercourt.in/net-banking/6828-icici-net-banking.html at consumer court site but so far no action has been taken on this case.

  6. Sindhu
    July 22nd, 2013 at 08:15 | #6

    FUCK OTP!!!

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