FAQs of Airtel Payments Bank

Aadhaar card and active mobile number is required to open Airtel Payments Bank account through the Aadhaar biometric authentication process. Customer may also opt for non-aadhaar based account by visiting any of the bank branches and filling out the account opening form. This form has also been uploaded on bank website. While on-boarding the customer, he is also asked to share his PAN Card number. If the same is not available, Form 60 is required.

With Airtel Payments Bank account, customer can deposit & withdraw cash, transfer funds to other's Airtel Payments Bank Account and other bank accounts, recharge mobile & DTH, pay bills, book tickets, pay shops, make online payments and much more.

Customer can deposit cash at any Airtel Payments Banking Point with just a Secure KEY. SecureKEY is nothing but an OTP sent to customer's mobile after the Banking Point clicks on Cash deposit and enters customer's mobile number followed by the amount to be deposited.

Customer can withdraw cash at any Airtel Payments Bank Banking Point through the Aadhaar biometric authentication process, with just a finger scan.

Customer can send/transfer money using any of the following modes:

My Airtel App: Airtel Payments Bank section

IVR: Dial 400 from registered mobile number (airtel customers) or 8800688006 (all customers)

USSD: Dial *400# from registered mobile number

Self:

Through My Airtel App's Airtel Payments Bank section, or

Through USSD by dialing *400# from his Airtel mobile, or

Through IVR by dialing 400 from registered mobile number (airtel customers) or 8800688006 (all customers)

Assisted:

Banking Point can reset customer's mPIN through Airtel Mitra App  Steps to be followed by Banking Point: Airtel Mitra App -> Airtel Payments Bank main menu -> "mPIN reset customer" -> Banking Point asks for biometric finger scan for authentication -> authentication successful -> Customer gets temporary mPIN -> Customer can change mPIN through IVR or by dialing *400# or via My Airtel App's Airtel Payments Bank section

Contact customer care from registered mobile number at 400 (airtel customers) or 8800688006 (all customers), or

Visit nearest Airtel Payments Bank Banking Point

Yes, customer can deposit cash in other's Airtel Payments Bank Account by visiting nearest Banking Point.

No

Less than 3 minutes.

Yes, you can open an account by visiting any Airtel Payments Bank Banking Point.

No, there are no charges to open an account. However, you may refer bank Schedule of charges for Account Facilitation Charges being implemented while opening account.

Yes

For amounts Rs.0 – Rs.10,000: Free

Rs.10,000 – Rs.50,000: 0.5% of the deposit amount excess above Rs. 10,000

Beyond Rs.50,000: 0.75% of the deposit amount excess above Rs. 50,000 and previous slab charges as well

It is instant.

Cash deposit can be done by visiting any Airtel Payments Bank Banking point.

Yes, customer can withdraw cash through his biometric finger scan without an Aadhaar card.

Yes, cash withdrawal can happen anytime of the day.

It is instant.

Yes

For detailed information regarding this click on-

Yes

The customer is provided ₹1 Lac insurance for death due to accident.

All the customers having Airtel Payments Bank Account are eligible for Personal Accidental Insurance of ₹1 Lac.

No, only the individual who has opened an Airtel Payments Bank Account and fulfils the required conditions is covered.

Ensure to do at least 1 debit transaction in every 30 days to renew the insurance.

For 1 year. However, policy is renewed every 30 days on the basis of 1 debit transaction.

The policy is offered free of cost and the customer does not have to pay any insurance premium.

₹1 lac.

Contact call centre by dialling 400 or 8800688006, or

Visit our website, or

Visit any Airtel Payments Bank Banking Point.

Open an Airtel Payments Bank Account using aadhaar biometric

Make a cash deposit

Do a cash withdrawal

Reset mPIN

Get help for any query

Update profile details of customer holding savings account

No documents are required if account is opened with the Aadhaar biometric and mobile number. For non-aadhaar based account opening, customer may download the account opening form from the website and submit to bank officer with due supporting documents mentioned in the form.

Banking points are empowered to open accounts using Aadhaar biometric. However, customer can open account without Aadhaar also by downloading the account opening form available on website, filling with necessary details and submitting it with supporting documents like Photograph, Proof of Identity and Proof of Address to any bank officer.

Yes. However, in that case, customer's form 60 will be required.

No.

Banking point agent would need internet connection on his mobile phone through which agent can login into his account on Airtel Payments Bank Mitra App.

Customer does not need to have any internet connection for opening account.

With Airtel Payments Bank account, customer can earn interest of 3% PA on his account balance.

Airtel Payments Bank account customer is eligible for Personal Accidental Insurance of ₹1 Lac.

Customer can also deposit or withdraw cash at any of our Banking Points and, at the same time, enjoy all the features of the wallet.

Earn high interest of 2.5% PA

Get free Personal Accidental Insurance of ₹1 Lac (all users)

The total balance of the account is the available balance. It is the amount that is accessible to the customer for transactions.

Even if the depositor doesn't have a bank account or wallet with us, he can deposit cash in Airtel Payments bank account by visiting the nearest Banking Point.

To go through our list of products and services, you can choose any of the following modes-

IVR (400)

USSD (*400#)

My Airtel App's Airtel Payments Bank section

Yes. While depositing money, Banking Point needs to enter depositor's account number and select Others option. He is then required to enter the amount and beneficiary account linked mobile number.

For detailed information regarding charges & fees please click on-

Customer can call alternate number 8800688006 or write to

wecare@airtelbank.com

Contact customer care from registered mobile number at 400 (airtel customers) or 8800688006 (all customers), or

Check the details on My Airtel App's Airtel Payments Bank section, or

Click on

Money cannot be transferred from Credit Card to Airtel Payments Bank account.

No. The funds added to Airtel Payments Bank account can be transferred immediately to another bank account, if required.

Monthly.

Yes, QR code facility is available in My Airtel App's Airtel Payments Bank section.

For detailed information regarding charges & fees please click on-

There is no daily limit. However, maximum of 10,000 transactions are allowed per account in a month.

Yes. The customer can do fund transfer from his Airtel Payments Bank account using IFSC code AIRP0000001.

Yes

Once a bank account number is assigned to a user, it remains the same even if he changes his mobile number later on.

Effective 1 July 2017, Government of India has replaced Service Tax (including cess) at 15% with Goods and Service Tax (GST) at 18%. GST is a tax which every entity has to comply with and so does Airtel Payments Bank. However, it does not affect its customers as there is no change in charges on any of the services provided by Airtel Payments Bank.

Pin Code gets automatically updated in customer's profile as mentioned on Aadhaar card.

In order to be GST compliant, customers are notified about GST getting applicable for Airtel Payments Bank.

Only one account can be opened against each Aadhaar number.

Virtual debit card is an online debit card issued to Airtel Payments Bank account customers.

It has a maximum limit of 25,000 per transaction for classic card and 50,000 per transaction for platinum card.

Customer can use it at all online merchants who accept MasterCard payments.

It is made available on My Airtel App's Airtel Payments Bank section.

Airtel Money Wallet is a part of Airtel Payments Bank. It is a secure digital wallet that lets you manage your money; recharge, pay bills, shop at offline merchants, send money to friends & pay at various online platforms like MakeMyTrip, BookMyShow, Myntra and many more.

You can get an Airtel Money wallet in 2 easy steps -

Download My Airtel App

Register on Payments Bank tab for opening an Airtel Money Wallet

Click on the "Get Wallet" icon on the top right corner of the app

Yes, you can open an Airtel Money wallet using any network mobile number.

Recharge your prepaid mobile, DTH connection and Data cards

Send Money - Transfer Money to another person, merchant or to a bank account

Bills - Use Airtel Money Wallet to pay postpaid, DTH & Data card, broadband/landline

Utilities - Use Airtel Money Wallet to pay electricity/gas/water bills and insurance premium

Pay shop - Shop at retail outlets

Airtel Money Wallet is RBI approved.

It's safe & easy to use.

You can use it on-the-go using web or mobile, USSD.

You can use it any time and at many places to pay for your purchases.

You can save money with many exciting cash back offers.

You can add money using net banking, credit card or debit card. You can even save your card info.

We provide 24*7 support: Email us at wecare@airtelbank.com or call us from your registered mobile number at Airtel customers dial in 400 and Non Airtel customers dial in 8800688006.

Airtel Money Wallet is just like ready to use cash. All you have to do is register & start using it. Simply add some money to the wallet and get going.

Through My Airtel App's Payments Bank tab

Through USSD by dialing *400# from Airtel Mobile

Through IVR by dialing 400 from registered mobile number (Airtel customers) or 8800688006 (all customers)

This facility is available for Full KYC wallets only.

To send Money to a bank account using the Airtel Money Wallet, you may:

Tap on the 'Send Money' icon under the quick actions on the home screen of My Airtel App or in the Payments Section

Chose the Bank Account option on the next page.

Enter details like Bank name, Receiver's Account number, mobile number and proceed to complete the transaction by confirming your mPIN.

You can add money to your Airtel Money Wallet by

Clicking on Add Money button under Payments tab

Clicking on available balance(Avl Bal) on the top right corner of the MyAirtel app

Clicking on the hamburger menu on the top left corner of the MyAirtel app

All you need to enter is amount and payment details and after a successful transaction money will be added to your Airtel Money Wallet instantly.

Please try the following:

Checking which account you're logged in with.

Check if there has been any recent transaction using Airtel Money Wallet on clicking through 'View transactions'

If you have verified that you haven't already used your Airtel Money cash then for a query please get in touch at wecare@airtelbank.com or call us from your registered mobile number at Airtel customers dial in 400 and Non Airtel customers dial in 8800688006

You can transfer Money to any bank account or another Airtel Money Wallet from your wallet - instantly, 24x7 by

Clicking on the Send Money icon at the home screen or the Send Money icon or Send to Bank icon within the Payments Bank section of the MyAirtel app

Through

IVR: Dial 400 from registered mobile number (Airtel customers) or 8800688006(All customers)

USSD: Dial *400*4# from registered mobile numbers

Please note: your friend needs to have a verified Airtel Money account to receive the money.

For an instant transfer of funds, you may:

Click on the Send Money icon on the home screen or in the Payments Bank tab

Choose the Person

Enter phone number or name, enter the amount you wish to transfer and complete the transaction by confirming the mPIN

The amount will get transferred immediately and you will receive an instant SMS for the transaction completed

Your Recent Interactions will also be displayed when you select your contact. This enables you to repeat your most frequent transactions with a single click

To send Money to a bank account using the Airtel Money Wallet, you may:

Tap on the 'Send Money' icon under the quick actions on the home screen of My Airtel App or in the Payments Section

Chose the Bank Account option on the next page.

Enter details like Bank name, Receiver's Account number, mobile number and proceed to complete the transaction by confirming your mPIN.

The amount will get transferred immediately and you will receive an instant SMS for the transaction completed.

Note: Instant Money transfers are allowed for almost all banks that support the IMPS feature. For other banks that do not support IMPS, Money transfer will be processed using the NEFT feature, which takes 4 working hours for the transfer.

You can use Airtel Money Wallet to recharge for:

Any prepaid, DTH or data card. All the major recharges are supported including Airtel, Vodafone, Idea, Reliance, Aircel, Tata Sky, Dish TV and many more. To recharge a prepaid, DTH or data card:

Tap on the Recharge tab on the home screen and choose the correct type of recharge (Mobile/DTH/Datacard) to go to the transaction screen.

On the transaction screen enter the mobile/DTH/Datacard number, select the operator followed by the recharge amount.

Confirm the transaction with your mPIN. If you're not sure what amount to recharge with, just click on 'Browse Plans' and choose available recharge packs. You will get an instant SMS confirming the transaction.

Airtel Money Wallet lets you pay your Bills (Postpaid, Landline & Data Card) & Utilities (Electricity/gas/water & Insurance) by using your wallet. To pay for a utility or a bill:

Tap on the 'Pay Bill' tab in the Payments Bank section.

Select the type of Bill you’d like to pay under this tab, Mobile/ Landline/ Data Card/ Electricity/ Gas/ Insurance, and proceed to the transaction screen.

On the transaction screen, enter the required information and confirm with your mPIN.

You will get an instant SMS confirming the transaction.

Your previous transactions will also be displayed when you select 'Bills' or 'Utilities' This enables you to repeat your most frequent transactions with a single click! Now all you have to do is select the one you wish to repeat and confirm with your mPIN. Note: It takes 3 days for your utility bill payments (electricity, water, gas) to be processed. Please pay 3 days before your due date to avoid any late payment charges by your biller. List of boards are mentioned in the list on the app.

Yes! My Airtel App allows you to identify the merchants that accept payment via Airtel Money Wallet in your vicinity. To use this feature:

Activate the GPS on your phone.

On the home screen, tap on the Pay Merchant tab

On this screen, tap on View Merchants Near you to view a list of merchants around you that accept payments via Airtel Money Wallet.

We understand your concern, and won't let anyone misuse your Airtel Money account. Please write to us at wecare@airtelbank.com and we will block your wallet.

If you want to get it unblocked, write again to wecare@airtelbank.com from your Airtel Money registered email & we will unblock it.

This could be due to a variety of reasons. It could be that our system has detected a fraudulent transaction happening from your wallet. If our system detects multiple wallets being operated from a single IP address, it blocks the wallets.

To unblock your account, please write to us at wecare@airtelbank.com from your Airtel Money registered email ID or call us from your registered mobile number at Airtel customers dial in 400 and Non Airtel customers dial in 8800688006 and we will unblock your wallet.

Airtel Money wallet does not charge any money that is added to in the wallet via credit card/debit card, net banking, IMPS. It also does not charge the customer for adding money to the wallet, making a purchase at the merchant's site or for Wallet to Wallet transfer. The charges for a wallet to bank transfer are 3% of the transaction amount.

You can contact us at wecare@airtelbank.com and provide your email id and mobile number or call us from your registered mobile number at Airtel customers dial in 400 and Non Airtel customers dial in 8800688006.

Your wallet will be blocked and balance amount will be refunded back to you.

Use our app:

Open My Airtel App and click on Payments Bank section

Click Forgot mPIN

Enter your first name, last name and date of birth as mentioned on your airtel money wallet/ airtel payments bank account

Click next

Use USSD:

Dial *400# and select option 2 My Account

Then select option 4 Forgot mPIN

Enter your first name, last name and date of birth as mentioned on your airtel money wallet/ airtel payments bank account

Visit Banking point (SBA):

To locate one near you, pls visit the link: Nearest banking Points

The monthly spend limit for your minimum KYC Airtel Money Wallet is ₹9,000 and that of the Full KYC wallet is ₹1,00,000 . However if you want to set lower monthly limits within the same limit, please contact our call center. You can also set limits for your daily and yearly spends within the overall limits by the same process.

Yes, you surely can choose between setting up daily 5/10/15 transaction for your wallet. Do reach out to our call center 400/8800688006 for any assistance you may need.

Currently we do not have the provision of changing to FULL KYC category. We will soon have an update for the same with a detailed process.

National Electronic Funds Transfer (NEFT) is a nation-wide payment system facilitating one-to-one funds transfer. Under this Scheme, individuals can electronically transfer funds from any bank branch to any individual having an account with any other bank branch in the country participating in the Scheme.

NEFT transaction timings: NEFT services are available on all working days.

NEFT transaction cost:The cost of an NEFT transaction is zero.

Basic rights and obligations for a customer initiating an NEFT transaction (sender/originator), as defined by RBI: The sender or the originator shall be responsible for the accuracy of the particulars given in the payment instructions and special care should be taken for account number of the beneficiary, etc. The sender / originator shall be bound by any payment instruction executed by the bank if the bank had executed the payment instruction in good faith and in compliance with the security procedure, provided that the sender / originator shall not be bound by any payment instruction executed by the bank, if he proves that the same was not issued by him and that it was caused either by negligence or a fraudulent act of any employee of the bank. The sender / originator shall ensure availability of funds in his / her account or remit cash while issuing the payment instruction to his / her bank. The payment instruction shall become irrevocable once it is executed by the bank. The bank is not bound by any notice of revocation unless it is not in compliance with the security procedure. In the event of any delay or loss on account of error, negligence or fraud on the part of an employee of the beneficiary bank in the completion of funds transfer pursuant to receipt of payment instruction by the beneficiary bank leading to delayed payment to the beneficiary, the beneficiary bank shall pay compensation (at current RBI LAF Repo Rate plus two percent) for the period of delay. In the event of delay in return of funds transfer instruction for any reason whatsoever, the beneficiary bank shall refund the amount together with interest (at current RBI LAF Repo Rate plus two percent) till the date of refund. During the NEFT operating hours, originating banks shall endeavour to put through the request for NEFT transactions received by them, either online or across the counters, preferably in the next available batch, but, in any case, not exceeding two hours from the time of receipt of requests. In the likelihood of any delay / possible delay in adhering to this requirement, the sender / originator shall be informed of the delay / possible delay and the reasons for the same. Customers can complain to the Banking Ombudsman if the complaint is not resolved to his / her satisfaction within thirty days.

NPCI has laid out following guidelines to encourage genuine transactions in the UPI ecosystem

For P2P segment 10 transaction per bank accounts are allowed in a span of 24 hours.

For P2M (merchant payments) there is no limit on number of transactions.

An upper limit of ₹1 lac is applicable on all UPI transactions from Airtel Saving Bank account

Daily limit of ₹1 lac is applicable on all transactions from Airtel Saving Bank account

You may call our new missed call alert facility number from the registered mobile number to know your account balance.

The call will get disconnected automatically and an SMS will be sent to the registered mobile number of the user.

To check account balance, you need to dial 9971199711

Alternatively, you may check the balance through My Airtel App, Internet Banking or by calling our Customer Care.

For detailed FAQs regarding Atal Pension Yojana click

Customers using airtel payments bank card for online transactions can set card usage limit for their Card by raising a  request at :

Call 400 ( airtel number) or 8800688006 (non airtel number)

Email: wecare@airtelbank.com

→ You have an option to receive calls and SMS from a few selected industries as classified by TRAI.

→ If you choose not to receive any commercial messages or calls i.e. for fully blocked registration:

o You can call 1909 (toll free) from your landline or mobile and select your preference.

o You can also register via SMS by sending START DND or START 0 to 1909. If you choose to receive SMS on select categories or for partially blocked registration, you can send an SMS in this format START < space> < preference no > to 1909. 

o There are 7 preference numbers to choose from:

·      START 0 - Fully blocked

·      START 1 - Banking, Insurance, Financial products and credit cards

·      START 2 - Real Estate

·      START 3 - Education

·      START 4 - Health

·      START 5 - Consumer goods and automobiles

·      START 6 - Communication, Broadcasting, Entertainment and IT

·      START 7 - Tourism and Leisure

→ For instance, type START 4 to 1909, if you want to receive messages only on HEALTH.

→ You can also include more than one preference number like START 4,6 to receive messages for more than one preference.

→ Activation of DND service takes 7 working days.

Wallets acquired through OTP based e-KYc have a validity of one year from the date of onboarding. If not upgraded to a Savings Bank account within one year the services on these wallets shall be closed.

The maximum monetary value that can be stored in a month in an Airtel Wallet (Full KYC) is INR 99,000/-.

FKY wallets opened using Aadhar OTP-based e-KYC has yearly credit limit of INR 1,90,000/-