ICICI Bank: No need to enter a PIN for UPI payments up to ₹5,000 anymore; ICICI Bank introduces a special feature..

ICICI Bank has announced the implementation of ‘Biometric Authentication’ for UPI transactions via its mobile banking app, iMobile. This feature offers users an enhanced experience, allowing them to authorize transactions of up to ₹5,000 using either facial recognition or fingerprints. Under this new feature, the need to manually enter a UPI PIN for transactions up to the specified limit is eliminated.

**Protection Against Fraud**

The introduction of the biometric feature offers the dual benefits of faster payments and enhanced security, as it significantly reduces the risk of "shoulder surfing"—where someone might peek at a user's PIN in public spaces. Customers can now authorize various UPI transactions—such as peer-to-peer money transfers, QR-scan payments at merchants, or online payments—using their biometric credentials.

**PIN Required for Transactions Exceeding ₹5,000**

For transactions exceeding ₹5,000, customers will still be required to enter their existing UPI PIN to confirm the payment. An ICICI Bank spokesperson stated, "Safeguarding the interests of our customers has always been at the core of our operations, and we are committed to providing them with advanced digital solutions. The introduction of biometric authentication aligns with current regulatory guidelines and represents a significant step toward a more secure and seamless payment experience. By leveraging device-level biometric verification on iMobile, our goal is to further bolster transaction security while ensuring ease of use. Customers will also have the flexibility to choose between PIN-based and biometric authentication based on their personal preference and convenience."

**Availability of the Feature**

This feature is available on the latest versions of the iMobile app for Android (v30) and iOS (v28.2). Android users can authorize transactions using fingerprint recognition, while iOS users can utilize facial recognition. Here is the step-by-step process:

Log in to the iMobile app.
Click on 'UPI Payments' and select 'UPI Settings'.
Select your account number to enable biometrics.
Select 'Use biometric for payments' and click 'Proceed'.
Enter your UPI PIN for verification.
Authenticate your device-level biometric data.

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