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Frequently Asked Questions on AU Mobile

 
 

A. GETTING STARTED

 

  1. Who all can use AU Mobile?

At present, AU Mobile can be accessed by all customers with an AU Bank savings or current account. Customers need to be registered with either Internet banking or having a Debit Card along with mobile number
 

  1. What are the transactions that I can do on AU mobile?

Following is a list of transactions that can be done on AU Mobile
 
Service
Features
Account Management
Manage Savings Account, Current Account, Fixed/Recurring Deposits and Debit Cards
Download Account Statements
View Transaction History
View Deposit Details
Close Deposits
Update Nominee for Deposits
Fund Transfer
Fund Transfer between own accounts
Fund Transfer within bank accounts(intra bank transfers)
Fund transfer to another local bank
Pay Later (Scheduled Payment Single/Recurring)
One time transfer
Manage Beneficiaries
Pull Funds
Multiple Transfers in one transaction
Favourite Transactions
Transaction History
Manage Scheduled Transactions
Bill Payments
Search/Add/Manage/Delete billers
Schedule Payments/ Auto Pay
Favourite Payments
Mobile Recharge, DTH, Data card
Debit Cards
Set/Reset Debit Card PIN
Block/Replace Debit Card
Unblock Debit Card
Enable/Disable International Usage
Enable/Disable or set limits on E-commerce Usage
Enable/Disable or set limits on POS Usage
Enable/Disable or set limits on ATM cash withdrawals
Service Requests
Request for Cheque Book
Cheque Status
Stop Cheque Book
TDS Certificate Download
Track SR/Application Status
Add PAN
Update Email ID
Update Communication Address
Form 15G/H
Nominee Updation
Apply for products
Apply For AutoLoan
Apply for PL
Book Locker
Apply For Home Loan
Apply For Savings A/C
Apply For Gold Loan
UPI
Add beneficiary VPA
Balance Enquiry(Refresh Balance)
Send Money
Request Money
Transaction History
Manage VPA
Generate QR Code
Scan & Pay
IPO
ASBA Registration
Apply For IPO
Get IPO Prospectus
View Applied IPOs
Withdraw IPO
Revise BID
Status Enquiry
Hold Inquiry
NFO
Redeem & Switch
Investor Details
Mutual Funds
View Investment Accounts
Investment A/C Details- Single, Multiple
NAV Certificate
View Past Transactions
Buy Mutual Funds
Redeem Mutual Funds
Start SIP
View SIP
Buy More of Existing Funds
Switch Funds
Cancel SIP
Tax
PAN/TAN registrations, pay GST/ Direct tax, download tax reports
Book Tickets
Flight, Cab, Bus, Hotel Rooms
 
 

  1. Which versions of mobile OS support AU Mobile app?

Android OS Version:  Android 8 and above
IOS Version: IOS 11 and above
 

  1. How do I download AU Mobile app?

AU Mobile app can be downloaded from Google Play store for Android devices and App Store for Apple devices.
 

  1. Can I use older and the new application simultaneously?

No, you cannot use both the applications on the same device. Also the old app will be discontinued soon so do register on the new application and enjoy the better experience.
 

  1. In case of I have not updated the application, then will I be able to use the old application?

Yes, you can keep using the older version as long as AU Bank decides to support the version. However, it is recommended to update your application to enjoy additional features and services.
 

  1. What if I delete / uninstall the AU Mobile app? Do I need to register again?

Yes, device binding to be done again hence registration is required. However, creating mPIN and debit card authentication is not required. Therefore, these steps are auto skipped.
 

  1. Are there any charges for downloading AU Mobile app?

There are no charges on downloading AU Mobile app.
 

  1. How do I register for AU Mobile?

If you have recently opened an account with AU Bank, you can register for AU Mobile through either AU Bank NetBanking or AU obile app. If you have already registered for AU NetBanking, simply enter mPin and start using AU Mobile. Existing customers must register on AU mobile app only.
 
Following are the steps to register for AU Mobile through mobile app
  • a. Open AU Mobile and give permission as required
  • b. Post granting permission, click on register
  • c. If you have dual SIMs in your phone, select the SIM (mobile number) which is registered with the bank
  • d. App will ask for permission to send SMS from registered mobile number for device binding
  • e. In case of Android, the SMS will be sent in background
  • f. In case of iOS, the application will navigate to native SMS application with pre-filled details, here click send without changing the SMS content
  • g. Once device binding is completed, you are required to select desired Customer ID, in case the mobile number is registered to multiple customer IDs
  • h. Set and confirm mPIN
  • i. Enter Debit Card Details for authentication i.e. Debit Card Number and ATM PIN. This step is optional, however if skipped, you will only be provided with view access
  • j. Enable biometric for login for added security, this is optional and asked only if you have registered your Fingerprint/ Touch ID on your device
  • k. You are now registered for AU Mobile Banking and can login with mPIN or Fingerprint/Touch ID
 
Following are the steps to register for AU Mobile while registering for AU Bank NetBanking (for new customers only)
 
  • a. Open AU Bank NetBanking and click on Register
  • b. Enter Customer ID (provided in your welcome kit/ welcome mail)
  • c. Select to register using Account Number or Debit Card
    • i. Register using Account number – you will only get view access
      • Select account type
      • Enter account number
    • ii. Register using Debit card – you will get full/transaction access
      • Enter debit card number
      • Enter ATM PIN
  • d. Enter OTP received on registered mobile number
  • e. Set Password
  • f. Set mPin for AU Mobile
  • g. Set security question
  • h. Set username
  • i. Internet banking & AU Mobile registration is complete
  • j. You can login to AU NetBanking by entering username and password as set in earlier steps
  • k. You can login to AU Mobile by entering mPIN as set in earlier steps
 
Note: Registration with Debit Card is required to get complete transaction access
 

  1. How do I de-register from AU Mobile if my phone is lost/stolen?

You can deregister for AU Mobile through AU Bank NetBanking. Just login to AU Bank NetBanking, go to Settings in the main menu and select “De-Register” to deregister your lost/stolen device.
 

  1. What is mPin?

mPin is a 4-digit passcode that you set while registering for AU mobile app. You can use mPin to login to AU Mobile.
 

  1. I have forgotten my mPIN. How can I reset it?

On AU Mobile, tap on Forgot mPin. You can reset your mPin with either of the two options below.
  • 1. Username and Password of AU NetBanking
  • 2. Debit card details
 

  1. Can I register for AU Mobile on a device that does not carry the SIM card of registered mobile no.?

The registration will fail as your registered mobile number is required to activate the application.
 

  1. I have the registered mobile no. SIM card in my device, still I am getting an error while registering for AU Mobile.

If the registered mobile number is being used to send the verification SMS, it seems the SMS may not be getting delivered. Please try again from a place where mobile network is better as the message sending depends on the operator and not on the application.
 

  1. What if my mobile phone switches off while performing a transaction?

You can simply reconnect to AU Mobile and verify your transaction history to check if the transaction has been executed. You can also check the Account Statement.
 

B. ACCOUNT MANAGEMENT

  1. How can I check the recent transactions done in my account?

Login to AU Mobile and Tap on Accounts to check your recent transactions
 

  1. How can I view/download my account statement on AU Mobile?

  • Login to AU Mobile
  • Tap on Accounts
  • Tap on menu icon on right side corner
  • Select View Account Summary
  • Choose from current month, last month, last 3 months or custom period for account statement
  • You can either view or scroll down to download account statement
 

  1. How to book Fixed deposit (FD) on AU Mobile?

  • Login to AU Mobile
  • Tap on FD/RD and select Open new FD
  • Choose the type of deposit - “I have sum of money to invest” for FD
  • Select type of FD, Debit account, enter investment amount, FD tenure and Maturity instruction and submit to book your FD
 

  1. How to book Recurring deposit (RD) on AU Mobile?

  • Login to AU Mobile
  • Tap on FD/RD and select Open new RD
  • Choose the type of deposit - “I want to invest a sum regularly” for RD
  • Select type of RD, Debit account, enter investment amount, RD tenure and submit to book your RD
 

  1. How do I apply for IPOs?

  • Login to AU Mobile
  • Tap on Investments
  • Tap on IPO (ASBA)
  • App will redirect to iposmart.aubank.in
  • Choose the IPO of your preference and click on Apply Now
 

  1. How do I invest in Mutual Funds?

  • Login to AU Mobile
  • Tap on Investments
  • Tap on Mutual Funds
  • App will redirect to mf.aubank.in
  • Complete your profile and submit to start investing in mutual funds
 

  1. How do I pay Tax?

  • Login to AU Mobile
  • Tap on Tax
  • App will redirect to cbdt.aubank.in
  • Choose from various options viz. PAN/TAN registrations, pay GST/ Direct tax, download tax reports and much more.
 

  1. Is there any limit for applying for IPO, paying Tax or investing in Mutual fund?

There is no limit applicable for mentioned transactions initiated from IB or MB
 
 

C. FUND TRANSFERS

  1. What are the types of fund transfers I can do on AU Mobile?

  • Fund Transfer between your own accounts
  • Fund Transfer to any Other AU Bank account
  • Fund Transfer to Other Bank's Account (NEFT/RTGS/IMPS/UPI)
 

  1. How to transfer money on AU Mobile?

  • Login to AU Mobile
  • Tap on Money Transfer
  • Select from options: One Time transfer, Manage Payees or Multiple transfers
  • For recurring or multiple transfers, you need to add payee in Manage Payee section
  • Once you add payee, choose from IMPS, NEFT or RTGS to transfer money
 

  1. How to add beneficiary / payee on AU Mobile?

  • Login to AU Mobile
  • Tap Money Transfer
  • Tap Manage Payee
  • Tap Add New Payee
  • Select Bank Name, Account type, Enter Bank Account No., IFSC code, Payee Name and submit to add the payee
 
Please note that for the safety of your account, fund transfer to any new payee will be restricted to Rs. 50,000 for 3 hours post addition. Default limits will be applicable after 3 hours.
 

  1. What is the difference between UPI, IMPS, NEFT and RTGS?

  • Unified Payments Interface (UPI): Unified Payments Interface (UPI) is an instant real-time payment system developed by National Payments Corporation of India facilitating inter-bank transactions. No need to enter bank account or IFSC code for payment and collection of money through UPI. UPI requires only a virtual ID to transfer or receive money. 
  • Immediate Payment Service (IMPS): The transfer of funds is completed immediately via IMPS. You can transfer money online 24x7 by using this method. IMPS is not available at bank branches.
  • National Electronic Fund Transfer (NEFT): Fund transfers do not occur in real-time basis and the fund transfer settles in half-hourly batches. NEFT can be availed at bank branches as well as online (NetBanking and mobile app).
  • Real Time Gross Settlement (RTGS): Fund transfer occurs in real-time and on a gross basis. RTGS is mainly used for higher value transfers that require immediate clearance. RTGS can be availed at bank branches as well as online (AU Bank NetBanking and AU Mobile app).
 

  1. What are the charges for online fund transfer?

There are no service charges for NEFT and RTGS fund transfers done online via NetBanking or Mobile app. We charge a service fee only on IMPS fund transfers (Rs. 5 per transfer) done by Salary Value, Kids and Student account holders.
 

  1. What are the timings for online fund transfer?

Fund transfer can be done 24x7 using UPI, IMPS, NEFT & RTGS.  However, NEFT& RTGS Transactions shall not be available for customers between 11:45PM – 00:30 AM (45 mins) on all days.
 

  1. What are the daily limits for online fund transfers?

Following are the min. and max. limits for online fund transfers
Type
Minimum
Maximum
UPI
Rs. 1
Rs. 100,000
IMPS
Rs. 1
Rs. 10,00,000
NEFT
Rs. 1
Rs. 10,00,000
RTGS
Rs. 200,000
Rs. 10,00,000
 

  1. How much time does it take for funds to get transferred?

UPI and IMPS fund transfers are completed immediately. NEFT operates in half hourly batches. Currently there are 48 settlements on all days including holidays. Therefore, the beneficiary can expect to get the credit for the transactions on the same day.
In case of RTGS, the beneficiary Bank branch receives the funds in real time as soon as funds are transferred by the remitting Bank under normal circumstances. The beneficiary Bank must credit the beneficiary’s account within two hours of receiving the funds transfer message.
 

  1. If a transaction is not credited to the beneficiary account, do I get back the money?

Yes. In case of NEFT and RTGS, if the beneficiary’s bank is unable to credit the beneficiary’s account for any reason, the former will return the money to AU bank within 2 hours. Once the amount is received by AU bank, it is credited to your account.
 

  1. What is an IFSC code?

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 of the branch you want your funds to be transferred to. The IFSC is mentioned on cheque books on every cheque leaf below the Bank name and address.
 

  1. How do I schedule payment to my payee?

  • Login to AU Mobile
  • Tap on Money Transfer
  • Tap Manage Payee
  • Tap Add New Payee, enter account details and choose from IMPS, NEFT or RTGS to transfer money
  • After completing the transaction, you may schedule recurring payments to the payee as per your preference
 
 

D. DEBIT CARD MANAGEMENT

  1. How do I block my debit card?

  • Login to AU Mobile
  • Tap on Debit Card
  • Tap on Block this card
  • Select either to block the card temporarily or permanently
 

  1. How can I reset my debit card PIN on AU Mobile?

  • Login to AU Mobile
  • Tap on Debit Card
  • Tap on Regenerate PIN
  • Enter debit card expiry date and set your new pin
 

  1. How do I enable / disable transactions on my debit card on AU Mobile?

  • Login to AU Mobile
  • Tap on Debit Card
  • Tap on the switch to enable/disable International transactions
  • Tap on Set limits to adjust limits for POS, ATM, Online and Contactless transactions as per your preference and submit
 

  1. How do I set limits* on debit card transactions through AU Mobile?

  • Login to AU Mobile
  • Click on Debit Card
  • Click on Set limits to adjust limits for POS, ATM, Online and Contactless transactions as per your preference and submit
 
*You can only increase the limit on your card to the maximum extent enabled for your card variant
 
 

E. BILL PAYMENT/ RECHARGES

  1. How to pay bills / recharge via AU Mobile?

  • Login to AU Mobile
  • Tap on Bill Pay
  • Choose from various merchants to pay your bills or recharge your mobile / DTH
 

  1. How do I set up automatic bill payments?

  • Login to AU Mobile
  • Tap on Bill Pay
  • Choose from various merchants to pay your bills or recharge your prepaid mobile / DTH
  • Post bill payment, click on set up standing instructions
  • Choose the max. amount to be paid every month, date range and click on submit to set up auto bill payment
 

F. SERVICES

  1. Which service requests can I make through AU Mobile?

Following service can be availed from AU Mobile, under Service Request section
 
Sr. No.
Services
  1.  
Request for Cheque Book
  1.  
Cheque Status
  1.  
Stop Cheque Book
  1.  
Request DD
  1.  
TDS Certificate Download
  1.  
Track SR/Application Status
  1.  
Add PAN
  1.  
Update Email ID
  1.  
Update Communication Address
  1.  
Form 15G/H
  1.  
Nominee Updation
 
 

  1. How do I request for cheque book or demand draft?

  • Login to AU Mobile
  • Tap on Service Request
  • Choose from Request Cheque or Request Demand Draft
  • Add details and submit to get cheque book / demand draft delivered at your communication address
 

  1. How do I add or update nominee for my FD/RD account?

  • Login to AU Mobile
  • Tap on Service Request
  • Tap on FD/RD and select add/ update nominee
  • Select account type and account no. to add or update nominee
 

  1. How to apply for loans on AU Mobile?

  • Login to AU Mobile
  • Tap on Apply Now
  • Select “Apply for Banking Products”
  • Choose the product of your preference and click on apply now to submit your application
 

  1. How to book a locker on AU Mobile?

  • Login to AU Mobile
  • Tap on Apply Now
  • Select “Book a Locker”
  • Select State, City and Branch where you wish to book your locker and submit your application
 

G. TRAVEL & LODGING

  1. How to book a cab on AU Mobile?

  • Login to AU Mobile
  • Tap on Cabs
  • Confirm your pick-up location
  • Enter drop location
  • Choose the type of cab and tap on Book Now
  • Enter your mobile no. registered with OLA cabs
  • Enter OTP and allow access to connect with your OLA cabs profile
  • Confirm your booking and enjoy your ride!
 

  1. How to book a flight ticket on AU Mobile?

  • Login to AU Mobile
  • Tap on Flights
  • Select your source and destination cities, departure and return dates, class, no. of travellers and tap on Find Cheapest Flights
  • Choose your preferred flight based on timings and cost and tap on Proceed
  • Confirm your flight details and tap on Proceed to book your flight ticket
 

  1. How to book a bus ticker on AU Mobile?

  • Login to AU Mobile
  • Tap on Bus
  • Select the source and destination cities, travel date, type of bus and tap on Search Bus
  • Tap on your preferred bus based on timings and cost
  • Choose the seat and tap on Proceed
  • Select your boarding and drop point
  • Enter traveller details and tap on Proceed
  • Confirm your details and tap on Pay Securely to book your bus ticket
 

  1. How to book hotel rooms on AU Mobile?

  • Login to AU Mobile
  • Tap on Hotels
  • Enter the city, area or hotel name
  • Select check-in and check-out dates, no. of rooms, guests and tap on Search Hotels
  • Choose your preferred hotel based on reviews, amenities, cancellation policy, location, and cost per night
  • Select the type of room and tap on Book Now to book your room
 

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