ICICI Bank Introduces payment authentication through fingerprint or face recognition for UPI transactions up to Rs5,000
FinTech BizNews Service
Mumbai, April 29, 2026: ICICI Bank has announced the implementation of biometric authentication for UPI transactions through iMobile, the Bank’s mobile banking application. The feature enhances user experience by allowing them to authorise transactions up to Rs5,000 via facial recognition or fingerprint authentication. This new feature does away with the need to manually enter UPI PIN for transactions up to the threshold.
The introduction of biometrics brings in the dual advantage of faster payments and security, by eliminating the risk of shoulder-surfing in public spaces. Customers can authorise UPI transactions such as peer-to-peer money transfer, scan QR for in-store payments, or online payments through their biometrics. For transactions above Rs5,000, the customer will require their existing UPI PIN to authorise the payment.
An ICICI Bank spokesperson, said, “Safeguarding our customers’ interest has always been at the centre of our operations, and we believe in providing our customers with advanced digital solutions. The introduction of biometric authentication is aligned with current regulatory guidelines, and marks a meaningful step towards enabling a more secure and seamless payment experience. By leveraging device-level biometric verification on iMobile, we aim to further strengthen transaction security while ensuring ease of use. Customers also have the flexibility to choose between PIN-based and biometric authentication, based on their preference and convenience.”
The feature is available on the latest iMobile app versions of Android – v30, and IOS – v28.2. Android users can authorise the transactions via their fingerprint, and IOS users through facial recognition.
iMobile users can easily activate the biometric authenticator with a few simple steps.
· Log into iMobile App
· Click on UPI payments and choose UPI settings
· Select account number for enabling biometric
· Select ‘Use biometric for payments’ and click ‘proceed’
· Enter your UPI PIN for verification
· Authenticate the device-level biometric data
