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Internet Banking FAQs

If you are searching for any information or seeking professional guidance on Axis Bank services, our FAQs on internet banking are the easiest to access. The extensive Internet Banking FAQs have all the required information. If you do not find your question listed in the Axis Bank FAQs for internet banking, contact us.

  • What is Axis Bank Internet Banking?

    Axis Bank Internet banking is a convenient way to bank anytime, anywhere even from the comfort of your home using your PC or Tab.

    Who is eligible for Axis Bank Internet Banking?

    Axis Bank Internet Banking service is available to all Savings and Current account holders. In all cases, the customer/mandate holder should have the authority to operate the account with full permission. Click here to refer the Terms & Conditions for Internet Banking

    What are the benefits of using Axis Bank Internet Banking?

    Axis Bank Internet Banking provides you with a host of benefits such as:

    • Dashboard view of all your relationships with Axis bank like your accounts, deposits, loans and your credit cards.
    • See your recent transactions.
    • Create Instant FDs and RDs.
    • Make online payments for utility bills and insurance premiums.
    • Shop on various websites and pay using Internet Banking.
    • Transfer money to your own account/s and to other bank accounts.
    • Recharge 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 and contact details.
    • View and redeem your Loyalty points.
    • For a detailed list of services please click here.
    Why should I register for Internet banking?
    • Axis Bank Internet Banking is a convenient & faster way to access your account and manage your day to day banking transactions anytime, anywhere, 24X7 at your own comfort. Now you don't have to visit the branch each time or wait in long queues.
    • Axis Bank's Internet Banking service has state-of-the-art security and provides the user real time instant access. It gives you latest update and accurate details of your account.
    Can I have only one User ID for all Axis Bank relationships?

    Yes, you can use the same login ID for all Axis Bank relationships. You can view all your account details including Loan account, Deposits and Demat account. You can also view your Card details and Mutual Fund investments. For the complete list of services, please click here.

    What all services can I use on Internet Banking?

    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 provided:

    • Account Details:
      You can view your bank account details, account balance and 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.
    On which browsers can I use the Internet Banking Website?

    The internet banking website works best on Internet Explorer 6.0 and above. If you are using a macbook you can try accessing Internet Banking on Safari. However please note that the website is best viewed in 1024x768 screen resolution on internet explorer 6.0 and above.

    If I am an individual and hold an Axis Bank Current A/c as well as an Axis Bank Savings Account/ Credit Card/ Demat Account, can I link these relationships to the same Customer ID?

    Yes, if you are an individual and hold a Current A/c, you can link the same to your Axis Bank Savings Account/ Credit Card/ Demat Account under the same User ID.

    Who is eligible for Axis Bank Internet Banking?

    Axis Bank Internet Banking service is available to all Savings and Current account holders. In all cases, the customer/mandate holder should have the authority to operate the account with full permission. Please refer to the T&C while registering for Internet Banking.

    What are the benefits of using Axis Bank Internet Banking?

    Axis Bank 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 FDs and RDs
    • Make online payments for utility bills and insurance premiums
    • Shop on various websites and pay using internet banking
    • Transfer money to your own accounts and to other bank accounts
    • Recharge 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 and contact details
    • View and redeem your Loyalty points
    • For a detailed list of services please, click here.
    Why should I register for Internet banking?
    • Axis Bank Internet Banking is a convenient & faster way to access your account & manage your day to day banking transactions anytime, anywhere, 24X7 at your own comfort. Now you don't have to visit the branch all the time or wait in long queues.
    • Axis Bank's Internet Banking service is secure; our service gives you the peace of mind.
    • Internet Banking is Real Time, it gives you up-to-the-second details of your account.
    Can I have only one User ID for all Axis Bank relationships?

    Yes, you can use the same login id for all Axis Bank relationships. You can view all your account details including Loan account, Deposits and Demat account. You can also view your Card details and Mutual Fund investments. For a detailed list of services, please click here.

    What all services can I use on Internet Banking?

    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.
    What are the different type of modes available to access Axis Bank Internet Banking?

    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 AvailabilityView onlyTransactions with Netsecure (2nd factor authentication)
    1View Account Details/BalanceYesYes
    2Edit Personal Profile DetailsYesYes
    3Download Account StatementYesYes
    4Stop Cheque PaymentNoYes
    5Request for a Cheque bookYesYes
    6View Credit Card DetailsYesYes
    7Redeem eDGE Loyalty pointsYesYes
    8View Demat Account DetailsYesYes
    9View your Portfolio Summary/SnapshotYesYes
    10View your Loan A/C DetailsYesYes
    11Mail FacilityYesYes
    12Register for e-statementNoYes
    13Transfer Fund to Own Axis Bank AccountYesYes
    14Transfer Fund to Other Axis Bank AccountNoYes
    15Transfer Fund to Other Bank AccountNoYes
    16Transfer Fund to Visa Credit CardNoYes
    17Recharge MobileNoYes
    18Request for Demand DraftNoYes
    19Create Fixed DepositNoYes
    20Apply for IPO OnlineNoYes
    21Pay Credit Card BillsNoYes
    22Pay utility BillsNoYes
    23Shop online and pay using Axis Bank Internet BankingNoYes
    How do I register for Internet Banking?

    The steps involved in registering for Internet Banking are described below:

    • If you have a user ID but using Internet Banking for the First Time
      • You need to click on “First Time User” option.
      • Ensure you have your Customer ID, Account Number, Registered Mobile number and your debit card with you and click on “Continue".
      • Enter the Customer ID, account number and registered mobile number.
      • Enter the 16 digit debit card number, the ATM Pin and the expiry date. In the card currency, select Indian Rupee – INR option. Accept the terms and conditions and click Submit.
      • NRI customers can also login with KYC credentials.
      • Enter a login password of your choice keeping the rules in mind and re-enter it to confirm the password. Enter the transaction password and confirm it. You will receive an OTP on the registered mobile number. Enter the received OTP code and click on Submit.
      • If every step till now is correctly followed by the customer, the process is complete and you can now log in using the login Id and password on the main screen.
    • If you do not have username and password (Not registered for Internet banking):
      • Download the 'Axis Bank Internet Banking' form (Also available at your nearest Axis Bank Branch).
      • Fill your account details.
      • Read all instructions overleaf before signing.
      • The form must be signed by all account holders.
      • Submit the form to any of our branch offices.
      • While submitting the form at the branch, register your mobile number for Netsecure (Netsecure, is a 2nd factor authentication which ensures that you enjoy an additional security layer for all your online transactions like fund transfer, bill payment, mobile recharge, etc).
      • You can also register your mobile number for Internet Banking by visiting your nearest Axis Bank ATM. Click here to view details.
      • Axis Bank shall send you the passwords by mail.
      • Post receiving the passwords, log into Internet Banking.
      • You will see a message asking you to register for Netsecure (2nd factor authentication). Click here to register for Netsecure. (View Demo)
      • Select the mode of Netsecure you want to opt for.
      • Enter your mobile number and Submit. (Please enter the same mobile number that you have registered earlier for Internet Banking).
      • Your registration is now complete.
      • Start transacting and enjoy all the dedicated services of Axis Bank Internet Banking.
    • If you have a username and password but you do not enjoy all the services like fund transfer, mobile recharge, bill payment etc.
      • You can SMS” CUSTID<account no.> to 5676782 from your registered mobile number to get your Login/Cust ID
      • NRI customers can also obtain Customer ID by sending an SMS CUSTID <AccountNumber> to +91971700000
    • Log on to Internet Banking.
      If you see a message stating your access to Internet Banking is currently a View Only access and asking you to register for fund transfer then follow the steps below:
      • Visit your nearest Axis Bank ATM and register your mobile number for Axis Bank Internet Banking (Netsecure). Click here to view further details.
      • Re-login to Internet Banking.
      • You will see a message asking you to register for Netsecure (2nd factor authentication). Click there to register for Netsecure. (View Demo)
      • Select the mode of Netsecure you want to opt for.
      • Enter your mobile number and Submit. (Please enter the same mobile number that you have registered earlier).
      • For NRI customer, if selects Mobile App is selected, he has to enter passport no and registered email ID.
      • If all the above instructions are followed correctly, your registration is now complete.
      • Start transacting and enjoy all services of Axis Bank Internet Banking.
    • If you see a message asking you to register for Netsecure (2nd factor authentication) then follow the steps below:
      • Click on register for Netsecure on the post login page. (View Demo)
      • Select the mode you want to opt.
      • Enter your mobile number and Submit.
      • Your registration is now complete.
      • In case while entering the mobile no. you get the message "Mobile no. not registered or does not match" then register your mobile number for Internet Banking by visiting your nearest Axis Bank ATM. Click here to view further details.
      • Your registration is now complete.
      • Start transacting and enjoy all services of Axis Bank Internet Banking.
    What do I do if I forget my password?

    You can generate both your login and transaction password online in case you have forgotten it. You will need your 16 digit ATM/Debit Card Number and ATM PIN.

    Click here to generate your password online.

    What is required for accessing the account on the internet?

    To login, you need the login ID which is usually the 9-digit Customer ID (mentioned on the welcome letter and printed on your cheque book), along with the login password sent by Axis Bank. You may use your personalized login ID.

    What is a Customer ID?

    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 Internet Banking login. Please mention this ID in all your communications with Axis Bank.

    How do I get my Login ID?

    You can SMS” CUSTID<account no.> to 5676782 from your registered mobile number to get your Login/ cust ID

    NRI customers also obtain your customer id by sending an SMS CUSTID <AccountNumber> to +919717000002

    Your login ID is same as the Customer ID that is mentioned on -your welcome letter & in the cheque book that is mailed to you, post your account opening.

    Why are the different passwords and validations to login and transact?

    There are three kinds of details used to login and validate transactions on Internet Banking:

    • Login password - The "Login Password" is used for logging in and allows you to view your account details. Your login ID is same as your customer ID.
    • Transaction Password - "Transaction Password" is required for -carrying out financial transactions like bill payment, fund transfers, mobile recharge, etc.
    • Netsecure code - “Netsecure” is an additional security feature added to have a 2nd factor authentication. Once you register for Netsecure, you can generate a one-time password through SMS, Mobitoken or 1-touch Device. This makes your banking transactions safer & free from frauds.
    What is Netsecure & How to register for Netsecure?

    Netsecure is an additional security feature added to have a 2nd factor authentication. Once you register for Netsecure, while transacting you will receive/generate a one-time password through SMS, Mobitoken or One touch Device. This makes your banking transaction safer & free from frauds.

    NRI Customers can use Netsecure with Mobitoken or SMS.

    Registration for Netsecure

    • Post logging to internet banking, click on register for Netsecure link.
    • You can choose from three options- SMS, Mobitoken or One touch Device. (One touch Device is chargeable at Rs. 1000)
    • 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 for Internet Banking).
    • 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 to know more.
    What is the policy on creating passwords?

    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).
    Why does my User ID get disabled and what should I do?

    Five consecutive unsuccessful attempts of logins will disable the password. This is applicable for both your Login password and Transaction passwords. If your User ID is disabled and you remember your password, you can login using the same on next day. Else you can enable your User ID instantly using forgot password link.

    What if I forget my Internet Banking password? How do I obtain it?

    To generate a new password online, you will need your 16 digit ATM/Debit Card Number and ATM PIN.

    Click here to generate your password online.

    In case you do not have a debit card, you can also give a request for duplicate password by visiting your nearest Axis Bank branch.

    If I do not use my account for a long period of time, will it work if I try to login?

    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.

    I am unable to login into Internet Banking? What do I do?

    It might be due to one of the following reasons:

    • Incorrect login ID or password:
      Recheck your login ID and password. Please note that passwords are case sensitive. In case you have forgotten your password, click on " Forgot Password" link on the login page to generate your password online. If you want to generate your password now, please click here.
    • Disabled login ID:
      In case of 5 incorrect login attempts, the system disables your Internet Banking ID for the calendar day. Now you can enable your login ID instantly using Forgot Password link, else it will be enabled automatically on the next calendar day.
    • First time user:First time users need to use “First Time User” option on the login page, to register online and generate password instantaneously.
    • Browser Issues:Axis Bank Internet Banking is best accessed using below browsers - Internet Explorer 9 and above, Chrome 37 and above, Firefox 33 and above and Safari 4 and above with a screen resolution 1024x by 768 pixels.
    Why do I get the "Application Security Error"?

    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.
    Which service requests can I make through Axis Bank Internet Banking?

    We have categorised Service Requests in 3 broad categories

    • Request For
    • Tax Services
    • Other Services

    List of various Services under these categories are listed below:

    • Request For
      • Limit Enhancement:
        You can change/enhance the Internet Banking transaction limit.
      • Cheque Status:
        With this service, you can check the status of cheques issued.
      • Request for a cheque book:
        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 make stop payment for a cheque / multiple cheques issued. The process is real time and instantaneous.
      • Order a demand draft:
        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 which will be your new home branch.
      • Inward Cheque Clearing Enquiry:
        You can check details about cheques under clearing stage.
    • 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.
    • Other Services
      • Link your Aadhar:
        With this service option you can link your Aadhar Card number with your Savings Account.
      • Cibil Report:
        You can generate the Cibil 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.
      • Tariff Plan:
        You can check Tariff Plan of your account. Tariff Plan is the charge/fee details which are levied on your account.
      • Summary of Requests:
        With this service you can view the summary of all requests placed through Internet Banking.
    Is it safe to use Internet Banking? What is the level of security provided by Axis Bank Internet Banking?

    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.
    • Second factor authentication in the form of Netsecure code for all financial transactions.
    What is encryption and why is it used?

    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 customers’ 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.

    What are Phishing attacks? How do I report such attacks?

    'Phishing attacks' are attempts to acquire sensitive customer information such as usernames, passwords and credit card details by using forged company email. 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 email 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. Additionally, Axis Bank will never 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 at customer.service@axisbank.com

    What general precautions should I take to protect my account on the internet?

    To protect your account from fraud 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 numeral (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 infected 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 stay updated 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 if 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 redcross 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 Bank immediately at ibrm@axisbank.com

    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.

    What should I do if I suspect an unauthorized transaction in my account?

    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


    Netsecure FAQs

    What is Netsecure?

    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, Web-pin or 1-touch Device which will be used along with the transaction password for transacting online.

    Is it mandatory to register for Netsecure?

    Yes, it is mandatory to register for Netsecure 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.

    What are the different types of Netsecure options available?

    The different type of Netsecure options available are:

    • Netsecure with SMS –Netsecure Code will be sent to your registered mobile number. This option is currently available to domestic customers only.
    • Display Debit Card - You can generate Netsecure code using Display Debit Card.
    • 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.
    How do I register for NETSECURE?

    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.

    How can I switch between two options of NETSECURE?

    To switch your Netsecure mode, log in to Internet Banking and click on the "Register For" option to choose the mode of your choice.

    How can I de-register from NETSECURE?
    • 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, 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 Axis Bank Internet Banking and choose "NETSECURE with SMS" option on the registration page. Your NETSECURE registration is now complete.
    • Incase you are registered for another Netsecure option, you can switch to NETSECURE with SMS using the Switch Netsecure Option by logging into Internet Banking ->Services ->Other Services.
    I have not received the Netsecure code sms?

    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 have still 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.

    Can I use the same NETSECURE Code more than once?

    No, a NETSECURE Code can only be used once. Also it has to be used before it expires. Remember, every NETSECURE Code expires in 90 seconds.

    I am getting “Invalid OTP” error on entering Netsecure code?

    You will get the error "Invalid Credentials" 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.

    What if the SMS does not reach me on time?

    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.

    What is Netsecure with 1-Touch? How does it work?

    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.

    How will I get my 1-Touch Device?

    The bank will dispatch the 1-Touch device to your registered address. You will receive it within 10 working days.

    What are the charges for Netsecure with 1 touch?

    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.

    I am getting “Secure Hash” error while trying to login using 1-Touch Device?

    Please follow the steps mentioned here to resolve the issue:

    For Windows Operating System

    .
    • Step1
      Please clear your cookies and temporary internet files from your browser. If you are using IE 8 or 9, you can go to Tools>>then Select F12 Developer Tools>> Click on Cache >>Clear Browser Cache.
      If you are using Mozilla Firefox, go to Tools >> Options >> Privacy >> Clear Individual Cookies >> Remove all.
    • Step2
      Go to your Control Panel and locate Java, then double click to open. Go to Security and click on View Certificates. If you see any certificate in the name of Axis Bank Ltd. Remove the same.
    • Step3
      Clear cookies from Java Control Panel. Go to START >> Settings >> Control Panel >>Locate JAVA. Right Click and Open >> Click on General >> Settings under Temporary Internet files. Click on Delete files and OK.

    For MAC Operating System

    • Step1
      Go to Macintosh HDD -> Application -> Utilities -> Java Preferences app -> Security Tab -> Select all Axis Bank signed Certificates -> select minus sign (-) Remove
    • Step2
      After that go to Network Tab -> Delete Files -> Select 1) Applications & Applets & 2)Trace & log files - > OK
      From your Browser
    • Step3
      Open Safari Browser -> Reset Safari -> Empty Cache ->
    • Step4
      Open Safari Browser -> Preferences -> Security -> locate if Enable Plug-ins , Enable Java & Enable JavaScripts is selected. If not, then select all the above three options and close the browser (in order to apply the settings).
    • Step5
      Launch Safari Browser -> type https://www.axisbank.co.in -> Enter your customer id & Password - > Submit. It will give you a pop-up message" An Applet from axisbank.co.in is requesting to access your computer -> Allow
    I have followed the above steps but still getting the error?

    You need to follow the steps mentioned below

    • Remove the existing JRE from your PC and reinstall the same.
    • Please visit http://www.java.com/
    • Check whether Operating system and Browser is of 32 BIT or 64 BIT: you will get information on 64 BIT installation from the above link.
    • The above link is an official site of Oracle, which will provide you the list of Operating System and the related JRE, and, also provides you the option for downloading Java Online and Offline mode. Please select Offline mode and save the file on your desktop or anywhere on your hard disc from where you can retrieve and install the same later.
    • Once you finish download, then check whether you are able to proceed further. Please ensure that you are keeping all the browsers and applications closed while installing the JRE in your system.
    • You can verify whether the JRE is correctly installed in your PC.
    • After installation, please visit http://www.java.com again and click on Do I Have Java? then Verify Java.
    I am “getting Invalid Netsecure Code” error for the code I generated on my 1-Touch Device

    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.


    Fund Transfer FAQs

    The daily transaction Default limit for the day is Rs. 5 Lakh. There is no maximum limit for Funds Transfer. You can enhance your daily limit upto 10 lakhs through Internet Banking. You need an approval from your Base Branch (where you hold your account) to enhance the limit above Rs. 10 Lakh

    You can do the following types of Fund Transfer:

    • Fund Transfer between your own linked accounts
    • Fund Transfer to any Other Axis Bank account
    • Fund Transfer to Other Bank's Account (NEFT)

    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, this facility is not available for transfer of funds from resident accounts to NRE / NRO accounts.

    Currently, there is no charge for using the funds transfer facility.

    • 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 Axis Bank 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 code 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 code of the branch you want your funds to be transferred to. IFSC code 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.

    Requests for NEFT transactions are accepted on Holidays & Sundays (Sundays and holidays as defined by RBI) but the actual debit and the transaction is completed only in the next working day.

    As per RBI directive, if a customer's account is debited on a given working day then the funds should be transferred over to RBI on the same day. RBI carries out multiple NEFT processing batches in a day in which transactions are submitted. The cut off time is set as per the last batch processed by Axis Bank. This cut off time is currently set at 18.45 pm on weekdays and 12.45 pm on Saturdays.


    Bill Pay and Shop Services

    What is Bill Pay?

    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 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.

    Is online Bill Pay secure?

    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.

    Do I have to fill in a separate registration form for Axis Bank Bill Payment?

    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.

    Will I be charged for using this facility?

    No, bill payment facility is free for you.

    Can I pay from any of my accounts with the Bank?

    You can access any of your linked 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.

    What bills can I pay using this facility?

    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.

    How many billers can I choose to pay using this facility?

    There are no restrictions on number of billers that you can register under Pay Bills option provided in Internet Banking.

    How do I register a biller for bill payments?

    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.
    Will I get a confirmation of my registration?

    You will receive an SMS alert on your registered mobile number once the registration is done.

    Will I continue to receive my bill from the biller?

    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.

    Can I add, delete or change the biller registered earlier?

    Yes, you can add, delete or change the biller registered earlier by going to the Pay Bills section

    What are the various payment options available for Bill Payment?

    You can pay your bills by two ways

    • Auto Pay on the due date
    • Manual Payment

    Auto payment, includes two options

    • No limits for Auto pay: It will automatically schedule the bills on the due date, and debit your account irrespective of the amount of the bill.
    • Please pay this bill automatically if the amount is less than INR: It will automatically schedule the bills on the due date, and debit your account if the amount of the bill is less than the amount specified by you.

    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 10-12-2014, the payment date will be shown as 09-12-2014. In this case the payment should be made or scheduled to be paid on or before 08-12-2014.

    Do all the billers offer both the payment options?

    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.

    When will the billing details be uploaded?

    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.

    What is AutoPay?

    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.
    Can I alter my AutoPay instructions once set?

    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.

    Can I schedule my bill payments on a date of my choice?

    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 accordingly

    When is my scheduled payment processed?

    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.

    How much time does it take to process my payments?

    It takes approximately 2-3 working days for the payments to be processed.

    Should the scheduled date be the date on which the payment is actually due?

    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.

    Can I cancel a scheduled payment?

    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.

    Can I make payments after the due date or can I pay my bill in multiple transactions?

    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.

    Will I have a confirmation of my payment using this facility?

    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.

    How do I delete a Registered Biller?

    You can delete a registered biller by following the steps given below

    • Login to your account and select Pay Bills option under accounts tab
    • Click the link "Registered Billers" and select the category to which the biller belongs (Direct Pay or View & Pay)
    • Select the biller to be deleted and in the page that opens, select the checkbox "Delete this Biller from my personal list"

    Select the biller and click on details. You can delete the biller by clicking on the delete button

    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.

    Does the service store my Bill and payment details for future reference?

    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.

    How can I prove that I have made the payment?

    Once the payment is made to the Biller, you will receive an email 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.

    What if a particular bill is not paid by me through this service?

    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.

    How will I know that my bills are paid?

    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
    What is Direct Debit?

    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.

    How to use Direct Debit?

    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.
    How do I know if my account has been debited or not?

    To check if your account has been debited or not, you need to login to Axis Bank Internet Banking and check your account statement for that transaction.

    Do my Direct Debit transactions come under the ambit of the Daily Debit Limit in Axis Bank Internet Banking?

    Yes, your Direct Debit transactions are subject to the daily default limit set for your account in Axis Bank Internet Banking.

    I cannot see my accounts online on the Direct Debit page while trying to do a transaction. What do I do?

    Only those accounts which have been enabled for transactions on Axis Bank Internet Banking would be allowed on Direct Debit. Please visit your nearest branch for resolution.


    Adaptive Authentication FAQs

    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.

    In 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 the customers who have registered for NETSECURE with SMS. Security question will verify the user at login stage itself, this will help prevent unauthorized access to customers 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.
    • Once verified, the system registers the new device as a secure device to login and no questions will be prompted again.

    Yes, 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 when you transact online.

    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, it will be automatically unlocked at IST 2400 Hrs. However, if you want to instantly log in, 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 given below -

    • Login into Internet Banking and go to My Profile.
    • Click on Reset Security Question.
    • 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 Internet Banking. An alert will be sent to your registered mobile number immediately.

    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.

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