ICICI Bank Reviews 

Just went through my yearly painful journey of trying to generate an interest certificate for my NRI/NRO accounts at ICICI.

This in theory is supposed to be straight forward. But it has never been. This year the web site functionality to pick a date range for the certificate is broken. The option to do a custom date exists, but there is no way to pick a specific date range. It directly downloads a PDF for a duration it seems to have chosen randomly.. So I had to call in, and go through another painful process of trying to validate myself and get one generated.

Generating the yearly certificate has been a painful process for 25 plus years now. And each year it is an equally frustrating experience.

I fail to understand why this bank takes pride in its NRI account services for the USA but can’t understand that every USA customer will need a interest certificate for a calendar year sometime in January for filing taxes. Why can't they just generate one and email it to people.

I have provided them this feedback for many years when I spoke to the customer rep. And this year, I mailed this feedback to support in writing. I Hope someone there is paid to watch the feedback emails and they can get this right next year.

But I am also posting it here, hoping enough people complain to let them know this is a important issue

ICICI - if you are listening - It is a simple fix. Generate a yearly statement in Dec and email it to all NRI customers who live in countries with calendar year filing requirements

These people doesnt know how to retain their loyal and regular customers

I have been facing a UPI issue for almost two weeks now, and it has been one of the most frustrating banking experiences I’ve ever had. Multiple tickets have been raised, and every time I’m assured that the issue will be resolved soon — yet nothing actually happens. No one has been able to clearly explain what the problem is, let alone fix it.

UPI is not a luxury; it’s something we depend on daily. From paying bills and groceries to handling urgent transfers, my day-to-day routine has been seriously disrupted. I’ve had failed payments at checkout counters, delays in sending money, and the embarrassment of transactions not going through when needed the most. It creates unnecessary stress and inconvenience.

What’s more disappointing is the complete lack of empathy. There’s no ownership of the issue, no proactive follow-up, and no clear communication. It feels like the customer is left to chase updates repeatedly without any real resolution.

At this point, it honestly feels like no one even understands what the issue is. Banking should make life easier, not more complicated. This experience has significantly lowered my trust and confidence in the bank’s ability to handle critical services efficiently.

I truly hope they improve their support system and start prioritizing customer concerns, especially when it comes to essential services like UPI.

Shame the minimum is 1 star as I don't want to give them that. The website and process to update anything is not fit for purpose. Impossible to try and do anything without the webpages crashing or error page loading. The information required to confirm simple changes is so difficult to obtain and load. Eg for a change of address a copy of the passport (uk) is needed, when UK passports do no have this information in them? Don't waste your time with them.

Regarding closer of SB Account ,
Worst experience in icici customer service,
No response from them
No trust on the icici bank.

Recently I had an extremely disappointing experience with two ICICI staff members. I was visiting the bank to activate my de-activated account.

During my visit, I spoke with Gauri Shinde & her coworker who kept insisting that I need an OCI card for my account activation. This happened despite I pointing out that ICICI website does not even lists OCI card as a requirement for account activation.
Thankfully the branch manager stepped in & with his help I could get my account activated very easily.

I am still stunned at how patronizing, ignorant, & unapologetic ICICI staff Gauri Shinde & her coworker were.

Most fraudulent bank in India. They have their own rules, branch wise and all are cheats.They will loot your money in may ways. It is not a reputed bank. Better to find a good nationalized bank..

I think it’s the overall aura as you walk into the ICICI branch along with the interaction with the employees seems so depressing and rigid where the employees look like on their faces. There is a lot going in their head and in their lives and they can’t even afford to smile or just have a comfortable conversation..

I cannot imagine having a banker like this who I’m sharing my financial information or seeking financial advices for future investments we are single service transaction of getting bank statements can be so unprofessional and unwelcoming.

I felt special because I was just coming from Hdfc bank in Pune 400 m away from this ICICI branch in Kalyani Nagar

Excellent Services Provided By Mr. Srirag
Good Employee.

I am writing to express my dissatisfaction with the services of ICICI Bank.

I am facing very poor customer care support. Despite multiple attempts, I have not received any proper response or callback from your customer care team.

Additionally, my salary account is being debited with several charges such as:

Debit card charges

ATM charges

And other miscellaneous charges

These deductions are happening without any clear explanation, while no proper service or support is being provided. It appears that the bank is more focused on deducting money from customers’ accounts rather than resolving their concerns.

This is extremely disappointing and unacceptable for a reputed bank like ICICI.

I request you to kindly look into this matter urgently, provide clarification for the deductions, and arrange a callback from your customer care team at the earliest.

If this issue is not resolved soon, I will be forced to escalate the matter to higher authorities.

Unclaimed funds in your ICICI Bank Home Loan XX8508

Dear Sir/Madam,
Your ICICI Bank Home Loan XX8508 has an excess credit balance of ₹ 0.48
since Mar 14, 2022. Due to incomplete details / non-availability of bank account
details, this amount could not be transferred to your linked Account.
To claim the balance amount in your ICICI Bank Home Loan, please visit any
ICICI Bank Branch along with a cancelled cheque at the earliest.
For further information, call 1800 1080 or contact your Relationship Manager.

Sincerely,
Team ICICI Bank
This is a system generated Letter and does not require any signature.
This is matter received last two years.
I need to go the ICICI branch for 0.48 rupees with 110 rupees expenditure of 1L petrol.

I taken education loan from them back in 2024 when I came to Canada and right now I'm here as well.

Mr Suresh, all thanx to him for getting delayed the whole process and now I have forwarded my concern to Mr Pradeep (manager) who still has not replied on my update of EMI which got debited from my account towards theirs, on 4 Dec. Earlier someone by name of Megha told me that they have not received the amount (don't know how) and even when I have submitted the proof as well

My biggest mistake is that I taken loan from them and this review is not going to affect these shameless people

. ECS reICICI Bank has one of the worst customer service experiences I’ve facedturn charges were debited multiple times without proper resolution, and despite repeated follow-ups, there is no clear explanation or accountability from the bank. The system blindly deducts charges, but customer support fails to provide any meaningful help.

There is absolutely no empathy toward customers, no transparency, and no timely resolution. For a bank of this size, such careless handling of customer issues is unacceptable. I strongly do not recommend ICICI Bank to anyone who values fair banking and responsive service.

service and staff response to NRI customers are very very worst. They take more than 8 months just to confirm the whether the person is eligible for bank loan or not. They have no idea about the rule and regulation.

Many charges in lelian with my account and daily basis charges are incerese day by day

I requested an NRI account from abroad while I already had a resident account, and they gave me a call within 2 days (which was fast, and I appreciate that). The customer attender asked me if I was free to talk; I said yes, and I explained my situation. She told me to log in to the account and submit the application while being on call, and then I told her, "I am outside at the moment; I might not be able to do the application, as the documents are on my laptop, and it's at home!" She got angry and raised her voice at me, asking, "If you're outside, why did you agree to have this conversation?" I understand that I have agreed to talk while I was free, but I don't think that means I will be able to use my laptop at the moment, and I clearly told her I am outside. I might not have access to documents, as polite as I can be, and I also asked her if she can guide me. I can try through the phone and understand the process, and I will do it as soon as I reach home. She abruptly ended the call, saying, "If you don't know how to do the application, what can I do?". She never assisted me and her job is to do customer assistance, if her day was bad, she should take a break and make the calls when she is fine. This was completely unprofessional.

It's a frude bank. Those customers have account on icici bank plz check timely... Your money will get debited without any valid reason.
It's totally a loot scam.

Very worst service. Most employees lack knowledge of the implications of BT and the Insurance loan closing process.

Took more than 1 hour to withdraw cash at teller on a Mon morning when bank was not that full. Teller told me to get token. Kiosk to print token super slow. Customers before me are using kiosk to update passbook, deposit check, etc. One kiosk for all this and print token also for my cash withdrawal. By the time my turn came after 20 mins or more kiosk frozen. Security told machine hung now go stand in line for another assistant who will print token on his app. Wait for another 15 mins as more customers who came in after me are now in queue with him. Such a pathetic experience.