MouthShut.com Would Like to Send You Push Notifications. Notification may includes alerts, activities & updates.

OTP Verification

Enter 4-digit code
For Business
MouthShut Logo
Upload Photo
ICICI Bank Image

MouthShut Score

24%
1.54 

Phone Banking:

ATM Availability:

Internet Banking:

Customer Service:

×

Upload your product photo

Supported file formats : jpg, png, and jpeg

Address



Contact Number

Cancel

I feel this review is:

Fake
Genuine

To justify genuineness of your review kindly attach purchase proof
No File Selected

ICICI - The Good Bad and Ugly Face
Feb 11, 2008 12:22 PM 7751 Views
(Updated Feb 11, 2008 12:45 PM)

Phone Banking:

ATM Availability:

Internet Banking:

Customer Service:

I have read many reviews of icici bank and for me icici is better than govt. bank like sbi, canara. even I dont like there policy measures of deducting money unwantedly. I will explain the good and bad and ugly about this bank. I am a icici customer since 2004 july. I have 3 account and my wife have one. of my 3 account 2 are alive and 3rd one I dont use and become dormant. I have their Credit Card (Which I regret myself why did I take this useless Card).


*Good things about ICICI BANK :


*One of the very and only useful feature and the only thing I like about this bank is there website. recently last month they started a mobile application that customers who have gprs can access there account using mobile. so icici bank website is good. why?


1 : There is no need to visit the branch. if you have a Computer you can do all works on internet. the sad part is if we forgot username and password it is very difficult to get it. their telephone customer care are worst and  wont send you the password unless you pressurise them or talk to a supervisor.


2 : We can transfer funds online withing few seconds. with the click of a mouse and other security procedures like debit card authencication you can transfer money immediately. if you are transfering money for first time you need to wait 3 days to get authencicated.


3 : if you have a credit card from icici you can pay their bills online.


4 : you can request a check book online and they will be delivered within one week.


5 : if you have 2 accounts you can link both accounts together to one debit card. hence you can withdraw money from any of this 2 accounts using the same card. max account that can be linked on one debit card is 5 account.


6 : you can request a new debit card and make similar request from their website.


7 : you can do the banking on the move


If it is a Govt bank think wheather we have all the service mentioned above. I dont know!!!.


8 : The hottest thing that I like from icici is there mobile application which you can download from the link below : https://infinity.icicibank.co.in/web/appDownload.html


This is the sweetest and useful application for people who have a GPRS enabled mobile phone. most transcation done using icici webiste can be done using this little application. also it is password protected. if you enter password wrongly 3 times it will be locked.


people who have gprs phone and icici account just download and try it yourself. you can do money transfer and all other works using this application.


9 : if you have multiple account you can link all those account and view it on icici website as well as mobile applicaiton. Wonderful banking!!!!!


*BAD AND WORST THINGS


*There I explained you about the good things. Good things summary - ICICI Website and their Mobile application.


Now lets come to worst, bad and night mare about icici.


1 : Customer care. They dont have customer care. when computers which connect icicibank.com to the user is user friendly, the humans who talk to us if we call them are worst creatures in the history of customer service. their call center is in bannerji hills Hyderabad and they dont know how to speak to a customer. they are rude and not polite. they are being payed just 4000 Rs only. possibly that is the reason. They need a Good Communication Trainer who will teach them customer service skills.


2: phone banking is the worst thing. we wont be able to talk to a executive untill we are gone through the cycles of menus. it is irritating. finally if we got a "Ghost" customer care person, he will again place us on hold with out even asking our permission. REMEMBER ICICI IS NOT GOVERNMENT BANK. THEY CLAIM THEY ARE THE BEST BANK IN INDIA IN TERMS OF CUSTOMER SERVICE.


There is no customer service in icici. Even BSNL mobile, airtel shows some respect to customers. but these people wont. they need to be trained.


Because the customer care is so poor people are going away from icici. even employees siting at their branh are worst than a govt employee. we can imagine how we will get treated in a Govt. office. visiting an icici bank is worst than that.


Only because of icici website and mobile application customers like me are sticking with icici. my salary too will get credited on icici.


*UGLY part


*Icici Advertisement in Tv and phone are not good. irritating music and ugly ads. Telemarketing guys from icici will call and disturb. Hate telemarketing. you can register your phone no from not being called by icici telemarketing by visiting this address : https://icicibank.com/pfsuser/donotcall.htm


Summary : Icici bank is alive because people know to use computers and internet and mobile. or else they are under dust bin.


Thanks for reading,


Anil kumar


Upload Photo

Upload Photos


Upload photo files with .jpg, .png and .gif extensions. Image size per photo cannot exceed 10 MB


Comment on this review

Read All Reviews

YOUR RATING ON

ICICI Bank
1
2
3
4
5
X