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Bank Smart

Your Bank Without Internet, At Your Home

Now transact in your language with Axis OK app


About Axis OK


Terms and conditions

These terms and conditions form the contract between the USER and the BANK and shall be in addition to and not in derogation of other terms and conditions relating to any account of the USER and/or the respective product or the service provided by the BANK.

  • Axis OK application uses SMS to complete transactions
  • The application will work only from the registered mobile number of the customer
  • The customer does not need to do any separate registration for Axis OK.
  • It is the customers responsibility to ensure the safety of his mobile device, any transaction which originates through this app from the registered mobile number of the customer, shall be deemed to have been done by the customer.
  • Axis Bank does not take responsibility of transaction failure due to network connectivity or any operator related failure. The bank shall in no circumstances be held responsible for any direct, indirect or consequential loss or damage occurred to the customer while using this app, for reasons which are beyond the control of the Bank
  • The bank may keep the record of the transaction in a manner that it may deem fit. In the event of any dispute, the banks record shall be binding as conclusive evidence for transactions done through the app.
  • The bank may withdraw the application facility at its sole discretion without any prior intimation to the customer.
  • All Savings Account holders registered for SMS Banking (except NRI) will be charged Rs. 15 (exclusive of taxes) per quarter
  • Financial transactions maximum up to Rs. 5000 only are allowed. Separate charges for accessing USSD apply as charged by telecom operator
  • Missed call service for mobile recharge & USSD related services cannot be used by NRI
  • Fund transfer through SMS will also attract IMPS related charges.
  • Applicable terms & condition for SMS banking applies

The user takes the responsibility for the correctness of the information supplied by him to the Bank through the use of the said facility or through any other means such as electronic mail or written communication.

The user herein accepts that in case of any discrepancy in the information provided by him with regard to this facility the onus shall lie upon the user only and thus agrees to furnish accurate information at all times to the bank. If the User suspects that there is an error in the information supplied by Bank to him, he shall inform the Bank immediately. The Bank will endeavor to correct the error promptly wherever possible on a best effort basis.

The Bank agrees that it shall to the best of its ability and effort try to provide accurate information at all times. However, the Bank shall not be responsible for any inadvertent errors or omissions that may occur due to reasons beyond the control of the Bank.

The Bank shall also not be responsible for any incidental error which occurs inspite of necessary steps being taken by the bank to ensure the accuracy of the information provided to the user and the user shall not have any claim against the bank in an event of any loss/damage suffered by the user as a consequence of the inaccurate information provided by the bank.

The bank shall be absolved of any liability in case-

  • The user fails to avail the facility due to not being in the required geographical range or any other reason including natural calamities, legal restraints any technical lapses in the telecommunication network or any other reasons beyond the actual control of the Bank the Bank shall not be accountable. Also the bank is herein absolved of any kind of liability arising due to a loss; direct or indirect incurred by the user or any other person due to any lapse in the facility owing to the above-mentioned reasons.
  • There is loss of any information during processing or transmission or any unauthorised access by any other person or breach of confidentiality.
  • There is any lapse or failure on the part of the service providers or any third party affecting the said facility and that the bank makes no warranty as to the quality of the service provided by any such provider.
  • The Bank, does not warrant the confidentiality or security of the messages whether personal or otherwise transmitted through the Facility. The Bank makes no warranty or representation of any kind in relation to the system and the network or their function or performance or for any loss or damage whenever and howsoever suffered or incurred by the User or by any person resulting from or in connection with the Facility.
  • The bank is acting in good faith on any instructions received by the Bank.
  • The Bank, its employees, agent or contractors, shall not be liable for and in respect of any loss or damage whether direct, indirect or consequential, including but not limited to loss of revenue, profit, business, contracts, anticipated savings or goodwill, loss of use or value of any equipment including software, whether foreseeable or not, suffered by the User or any person howsoever arising from or relating to any delay, interruption, suspension, resolution or error of the Bank in receiving and processing the request and in formulating and returning responses or any failure, delay, interruption, suspension, restriction, or error in transmission of any information or message to and from the telecommunication equipment of the User and the network of any service provider and the Bank's system or any breakdown, interruption, suspension or failure of the telecommunication equipment of the User, the Bank's system or the network of any service provider and/or any third party who provides such services as is necessary to provide the Facility.
  • Notwithstanding anything in the contrary provided in this terms and conditions, the Bank shall not be involved in or in any way liable to the User for any dispute between the User and a cellular services provider or any third party service provider (whether appointed by the Bank in that behalf or otherwise).
  • Any loss incurred by the user due to use of the facility by any other person with an express or implied permission of the user. The bank shall not be held responsible for the confidentiality, secrecy and security of the personal or account information being sent through the facility for effecting the user's instructions.
  • The bank shall not be held liable for any loss suffered by the user due to disclosure of the personal information to a third party by the Bank, for reasons inclusive but not limited to participation in any telecommunication or electronic clearing network, in compliance with a legal directive, for statistical analysis or for credit rating.
  • The Bank shall not held liable for any misuse of the facility of cheque book through SMS.
  • The Bank shall not be held liable in the cases of Delay in receipt of the SMS. SMS alerts are generated at the Bank’s end and sent to operator (via aggregator) for onward delivery to the customer’s inbox. However, multiple factors extrinsic to the Bank might cause delay in the delivery of the SMS in the above process
  • Mobile Banking applications are handset specific and can be downloaded on Java enabled handsets. An attempt has been made to develop mobile banking applications for as many mobile models as possible. The list of models and specific mobile application compatible for that model is placed in this emailer for downloading for customers. Despite this, there may be some models which may not be appearing in the list.
  • On downloading Axis Mobile, the Customer will be responsible for all transactions, including fraudulent/erroneous transactions made through Axis Mobile application regardless of whether such transactions are in fact entered into or authorized by him/ her or not and the customer will be responsible for the loss/damage, if any suffered. The products and services offered by Axis Bank are subject to applicable law and regulations and would be modified / discontinued based on the prevailing law / regulation at any point of time.
In consideration of the Bank providing these facilities, the user agrees to indemnify and hold the Bank harmless against all actions, claims, demands proceedings, loss, damages, costs, charges and expenses which the Bank may at any time incur, sustain, suffer or be put to as a consequence of or arising out of or in connection with any services provided to the user pursuant hereto. The user shall indemnify the Bank for unauthorized access by any third party to any information/instructions/triggers given by the User or breach of confidentiality.

The Bank reserves the absolute discretionary right to make any amendments in the given terms and condition at any time as it may deem fit with a prior notice to the user. Any such amendment shall be communicated to the user via email or by displaying on the website or through the facility which ever is suitable; and shall be applicable to the User availing the facility.

Terms and Conditions for “Stop Payment Cheque Request through Axis OK”

These Terms and Conditions form the contract between the Axis Bank customers availing the aforesaid service and Axis Bank. These will be in addition to other terms and conditions relating to any account of the customer and/or the respective product or the service provided by Axis Bank.


  • This service is available for all Savings (Resident) Account customers of Axis Bank who are registered for SMS banking facility. However, this service can’t be availed by customers having accounts with “Mode of Operation” as “Joint”.
  • The SMS has to be sent from customer’s registered mobile number. In case the request is received from a mobile number which is not registered, the request will be declined.
  • The “Stop Cheque Payment” request through Axis OK can be processed only before the cheque is cleared.


The “Stop Payment Cheque” request through SMS will be processed on real-time basis and customer will be communicated regarding the acceptance/rejection of request immediately.


Currently, no charges will be levied for this service. However, the Bank reserves the right to apply charges in future after sending the advance communication to the customers.

Queries and Complaints

  • In case the request could not be processed for some reason, customers need to contact their nearest Axis Bank branch or call the Phone banking Centre.
  • The customer can also log a complaint by approaching by writing to or online through the Axis Bank website at


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