Axis Bank Mobile Banking

I got to say year after year they add more and more menus and options but it gets so slow and glitchy it’s unbearable. 1. Constantly hangs and sometimes times out before the option you tried to click opens and asks you to sign in again - all in name of security when its already vetted me 3 times 2. The mobile app otp which it defaults to instead of sms never comes in when i do internet banking. If i had my phone why would i use internet banking. I chose to do internet banking because my phone is not at an arms distance and my laptop can still receive sms. 3. The mobile app otp is 3 menus behind to view on my phone. You spend a minimum of 1 minute. 4. Nothing is ever quick every option you click is a minimum of 4 seconds. It’s like their server is hosted in the moon or something. 5. Even viewing the account money is two screens behind. Who designed this UI?! If i just logged in - most people want to see the amount. Why is it hidden? The only redeemable thing is it’s not the worst indian bank app. But that bar is low. Try making a UI that you will be proud of. Less is more.

The biggest issue with Axis bank is that all the security burden is pushed on to the user so that the company management need not take up any responsibility of security. The CEO should resign immediately for overseeing the implementation of such retrograde and convoluted security procedures! I’ve never seen a company moving backwards from an acceptable level to a completely inoperable level. The app used to work fine before the brilliant brainwave of an imbecile IT architect who designed this unfathomable SMS based security that does not work on US based phones and also requires WiFi to be switched off. To top it off, the site cannot be used on the PC browser due to this bewildering requirement for an OTP from the mobile app (which does not work in the first place) even for PC usage! Besides excluding NRIs, the mandate for an SMS based activation or mobile app OTP (not a sms or email otp as is normal) excludes those who are unable to operate or afford a smartphone even for PC or cyber cafe usage. I was able to use the app smoothly with top grade security for more than 10 years and now this inexplicable IT security implementation that is making it impossible to use this app. My advise to NRIs is do not open an Axis bank account and if you do have one open an account in another bank right away. Also, activate the share holder activist network as Ashish Chowdhury needs to step down. We are not going tolerate incompetency any more. Every axis bank employee should look for another job and refuse to work at this abomination!

I initially did not want to write a review. However, while I was going through some of the reviews I thought it best to share my experience as I have been using the app for quite some time. I use AT&T in the US. the registration process (sending a text message) works seamlessly every time I had to do it (apprx 4) with phone changes. Other than that initial text, the app works flawlessly on Wi-Fi. I visit India often and switch my phone# using the app to my Indian phone#. This is a great feature for me and I am glad this was introduced. The one problem that I would like the app to support is to be able to view ALL recurring payments via the app. Right now it only shows those made via the app. This would really help. Lastly, I applaud the team as they have incrementally made app a very useful tool for customers (at least for me) to take care of a lot of things that used to be quite painful initially.