Review Insights · App Store
HDFC Bank App: Banking & Cards
HDFC Bank Ltd. · 9,448 ratings · ★ 4.8
4.8
★★★★★
9,448 ratings
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Top complaints - extracted from 53 negative reviews
Recurring phrases mined from 1-2★ reviews. The bigger the percentage, the more users have the same problem. Fix the top 2-3 in your version and you have product-market fit on day one.
1
"login"
14 negative reviews mention this · 26% of all complaints
★★★★★ "Clueless user experience. Probably the worst bank app I’ve ever seen. Customers wants to see balance after the login. I’m confused why would they have to tap twice to see. There are plenty of unwanted options in the home page that NRI customers won’t even look at it…" - sabarishnarain
2
"mobile"
12 negative reviews mention this · 23% of all complaints
★★★★★ "eSIM phones do not validate. Who tested and released this app? Did you not test on iPhone 16? This app requires a physical SIM to validate your phone. One cannot use online or mobile banking till you validate your phone. Shame on you for your paid reviews and nonsense…" - BeckerBores
3
"number"
11 negative reviews mention this · 21% of all complaints
★★★★★ "App does not work with REGISTERED US number. I have an NRI account. My US phone number is registered. I get my account SMS on that number but this new version of the app refuses to recognize that number for registration/SIM binding in the app. Please fix it - otherwise this is useless…" - SoujAla
4
"account"
11 negative reviews mention this · 21% of all complaints
★★★★★ "App does not work with REGISTERED US number. I have an NRI account. My US phone number is registered. I get my account SMS on that number but this new version of the app refuses to recognize that number for registration/SIM binding in the app. Please fix it - otherwise this is useless…" - SoujAla
5
"hdfc"
11 negative reviews mention this · 21% of all complaints
★★★★★ "Not working well. I was using the old HDFC bank app, and there was no issue with it. But in this new app, whenever I try to send money, I don’t click anywhere, then hang up my phone, and I need to restart the app." - ranaankitar74
6
"customers"
10 negative reviews mention this · 19% of all complaints
★★★★★ "Worst designed app. Worst designed app. Does not work out for USA based customers. All KYC features does not work. How can such a big company posts app with so many open issues." - Vikas lag
7
"doesn"
10 negative reviews mention this · 19% of all complaints
★★★★★ "NRI customers can’t use the app. Unfortunately this is not fully live and doesn’t have mobile banking features for NRI customers." - NAGYEE
8
"work"
9 negative reviews mention this · 17% of all complaints
★★★★★ "App does not work with REGISTERED US number. I have an NRI account. My US phone number is registered. I get my account SMS on that number but this new version of the app refuses to recognize that number for registration/SIM binding in the app. Please fix it - otherwise this is useless…" - SoujAla
9
"phone"
9 negative reviews mention this · 17% of all complaints
★★★★★ "App does not work with REGISTERED US number. I have an NRI account. My US phone number is registered. I get my account SMS on that number but this new version of the app refuses to recognize that number for registration/SIM binding in the app. Please fix it - otherwise this is useless…" - SoujAla
10
"bank"
9 negative reviews mention this · 17% of all complaints
★★★★★ "Not working well. I was using the old HDFC bank app, and there was no issue with it. But in this new app, whenever I try to send money, I don’t click anywhere, then hang up my phone, and I need to restart the app." - ranaankitar74
11
"register"
9 negative reviews mention this · 17% of all complaints
★★★★★ "App does not work with REGISTERED US number. I have an NRI account. My US phone number is registered. I get my account SMS on that number but this new version of the app refuses to recognize that number for registration/SIM binding in the app. Please fix it - otherwise this is useless…" - SoujAla
12
"does"
8 negative reviews mention this · 15% of all complaints
★★★★★ "App does not work with REGISTERED US number. I have an NRI account. My US phone number is registered. I get my account SMS on that number but this new version of the app refuses to recognize that number for registration/SIM binding in the app. Please fix it - otherwise this is useless…" - SoujAla
📋 All 53 negative reviews
Every 1-2★ review we fetched. Use the copy button to grab them all for your own analysis (paste into ChatGPT/Claude with a prompt like "summarize core user problems, group by theme, ignore bugs, focus on missing features").
App does not work with REGISTERED US number
I have an NRI account. My US phone number is registered. I get my account SMS on that number but this new version of the app refuses to recognize that number for registration/SIM binding in the app. Please fix it - otherwise this is useless for the NRI account holders
Not working well
I was using the old HDFC bank app, and there was no issue with it. But in this new app, whenever I try to send money, I don’t click anywhere, then hang up my phone, and I need to restart the app.
Retrograde user experience
App still prevents screen shots…insane practice that does not deter crooks and really creates problems for users. Because they can’t do good input validation they will not allow cut and paste of account numbers for transfers. Again - poor and retrograde non-user centric experience. Small fonts, tiny icons, cramming too much into screen, not centered on basic daily experience (payment, balance and transfer).
Worst designed app
Worst designed app. Does not work out for USA based customers. All KYC features does not work. How can such a big company posts app with so many open issues.
eSIM phones do not validate
Who tested and released this app? Did you not test on iPhone 16? This app requires a physical SIM to validate your phone. One cannot use online or mobile banking till you validate your phone.
Shame on you for your paid reviews and nonsense responses. I am in the US, always have an “active SIM” and excellent coverage. Stop lying and admit that your app does not work with eSIM phones.
Shame on you for your paid reviews and nonsense responses. I am in the US, always have an “active SIM” and excellent coverage. Stop lying and admit that your app does not work with eSIM phones.
Not working in USA
Trying to long in my NRI NRO account but couldn’t able to get SMS with my USA number which is associated with HDFC and authentication failed as not getting massage. I was able to get everything with old app but not with this new version. Plz fix as soon as possible.
NRI customers can’t use the app
Unfortunately this is not fully live and doesn’t have mobile banking features for NRI customers.
Garbage
Those reviews are paid, more than one week and I’m still not able to register. Due to this they blocked my account and now I can’t send money to India.
Worst forced update
UI seems like generated using Ai to sell more products rather then being useful for customer!
I am considering exit just because of this reason!
I am considering exit just because of this reason!
Clueless user experience
Probably the worst bank app I’ve ever seen. Customers wants to see balance after the login. I’m confused why would they have to tap twice to see. There are plenty of unwanted options in the home page that NRI customers won’t even look at it. I’ll probably close out my account once I reach India .
Worst
Lot of ads, interface is not very interactive.
Asks me to register every time
I registered post downloading the app. Step one it will ask for the email and phone number. After that it will require details for registration, post providing it and successfully setting up password using the username name. Next time when I click on the app link it will start again with the registration step. Also gives me an error message that my browser is not updated, but in fact it’s the latest version. I feel old one was good enough.
Trash app prepared by unprofessional developers.
The previous app was working fine, but all of a sudden it stopped working and asked to download this new app, and this new app does not allow us in USA to login. It is a headache offered by HDFC bank as a gift to its loyal customers.
Non Indian Customer Unable to use mobile banking
I’m unable to register because your app isn’t allowing me to login without sim verification. Sim verification keeps failing. How am I supposed to use the app??
Useless app
After completed all the authentication, trying to login still not allowing to access the account
Unable to register or login
For NRE users who are using an Indian mobile number, this creates a challenge-they must enable international data roaming to complete registration, which is inconvenient and often not feasible. As a result, users are unable to continue using the application.
We request the development team to consider the requirements of NRE account holders and provide a more accessible solution for users located outside India.
We request the development team to consider the requirements of NRE account holders and provide a more accessible solution for users located outside India.
Painful app
Financial app should be simple so that it is clear for people to see the steps clearly. The old one is simple , clear and faster. UX/CX needs to rethink the new app. Too many options , too many hidden menus. The correct mpin did not work on first time. Had to reset. Keep it simple and easy so that a 70 yr old can also use without asking Gen Z grandparent.
HDFC app
This is ridiculous decision to change a fully app, old one is working fine, but new one i tried more than 20-25 times for register but till now that is failed. I need emergency need of money, but l’m unable to access app. Old app fully closed, at-least till new not working you should run old one. There is no option for negative rating otherwise i did. Now need to change my bank
No logout option
Literally sucks. First know how to make a app . There is no logout option and it is not allowing me to login to HDFC netbanking now.
Doesn’t work with WiFi
It warns about WiFi being unsecured and even after proceeding it doesn’t open and use biometrics to unlock the app. I tried with mpin login and same issue. Can’t expect to turn off WiFi ever time I have to use the app. That is not practical. Also WiFi is a good way to connect because of speed.
Useless for NRI customers
I would give HDFC zero stars if I could. 1) The app asks you to type in your password but does not allow you to make it visible.
2) The app binds you to one mobile device. My iPhone. After that I am unable to login to net banking on my laptop browser. It says already logged into another device. So I cannot now do anything on the desktop website. (On the app may items are not available. It says do it in NetBanking.
3) Also What am I supposed to do if my phone gets damaged or lost or I upgrade?
4) What is the point of this for NRI’s who cannot easily contact HDFc for help from the US?
2) The app binds you to one mobile device. My iPhone. After that I am unable to login to net banking on my laptop browser. It says already logged into another device. So I cannot now do anything on the desktop website. (On the app may items are not available. It says do it in NetBanking.
3) Also What am I supposed to do if my phone gets damaged or lost or I upgrade?
4) What is the point of this for NRI’s who cannot easily contact HDFc for help from the US?
Security Issue in HDFC Bank Mobile App OTP Verification
The HDFC Bank mobile app has a serious security flaw. It sends OTPs to whatever phone number is entered without verifying if it’s actually registered to the account. That defeats the purpose of OTP authentication and raises real security concerns. This needs urgent fixing.
SIM binding for international customers
Sim binding for international customers doesn’t make any sense. If you insist me to register via sim binding then I will take my business elsewhere!!. With this app downfall of HDFC has begun.
Font size issue and not friendly
Team, the font size is too small and it doesn’t look user friendly. Also, I need the balance to be visible whenever I login. I don’t need want to press eye icon every time. Also when I’m trying to switch the accounts from NRO to NRE , it’s too small.
SMS binding is useless for NRI CUSTOMERS
For NRI customers, sms binding is useless prerequisite to use netbanking app.
Frustrating app, zero UX empathy for users, just building remotely modern looking apps doesnt work
Forcibly sent to new app which doesnt even let me enter my registered Indian phone number, defaults to a different sim. Stop using chatbots for everything you idiots, some things need human intervention. Atleast test all scenarios before launching the app you greedy morons, stop locking me out of my money.
Relogin
I need to logout and then login . When I close session , it doesn’t logout automatically
Why login with Face ID button?
Does opening the app itself mean that I wanted to use the app. Should it automatically login with Face ID, if the Face ID setup? It is annoying to click on the login with Face ID button each time I want to use the app. Learn from other apps.
Useless. Doesn’t allow to register
Software Engineering 101: Your app is either finished or it’s in BETA. If it’s finished, strip the label. If it’s in beta, it must be opt in only. Forcing a broken "beta" on users while the verification fails constantly is a pathetic excuse for development. By killing the old app with no fallback, you haven’t launched an update, you have screwed your customers.
And if you’re lazy to fix it, have the decency not to insult your customers with a canned, robotic template response.
And if you’re lazy to fix it, have the decency not to insult your customers with a canned, robotic template response.
Not able to register
It’s not you it’s the server. Everytime same thing
Worst BANK
I’m abroad and now I don’t have means to check my bank account just because you only accept OTP for authentication. How on earth am I supposed to access my bank account? Both the net banking and mobile banking have been changed overnight without proper warnings. This is completely unacceptable from a bank this huge.
Extremely Slow
No Testing is done on app for NRI customers. I had to manually disable UPI authentication. If you have asked for location the first thing and identified an international phone number, why keep trying it. Then app has so much loading time when you click on something. Terrible job by their technology team.
Hate it so far!
Too cluttered, too much promotional content,& could not find the the request so couldn’t pay for my Blinkit order. Tried to return to the old app but it wouldn’t allow that.
Can’t access app
Tried to access the app but it doesn’t let me - asked the bankers in branch and they don’t know anything either. How do I get access to it?
Unable to verify eSIM while traveling
What is the point of having the app bind to your eSIM when you can access net banking on the web without outgoing SMS? What additional security do you get? I don’t have outgoing SMS as I’m traveling, I only have incoming SMS. Have alternative log in mechanisms, not just outgoing SMS. For the sake of security, you’ve just made our lives inconvenient. And no, I will not contact your customer support, enough people have complained about this, fix it by adding alternative ways to log in.
Pathetic app
New app is just pathetic. All options are changed. I am trying to transfer some money to another hdfc bank. But there is no option at all.
Poor design
Not at all intuitive
The old app was better
Why force us to use a new app? The old one was fine. The new one is buggy.
Doesn’t work in US
Tried connecting to the app using mobile sms and netbanking options, it just doesn’t work. The old app isn’t usable anymore because of this new one.
Useless
Utterly useless. Pls get basic functionality right instead of nonsense features that no one uses.
Worst App to Use
As I tried logging into existing App but it rerouted to this App and when I tried logging in, it can’t even send SMS message and I believe this Bank need to upgrade by providing 1 Authentic App for All in 1 services and also Developers must enhance the app with better quality.
Worst app ever
We know that this is India and we can not expect things to be easy. But why roll out an app which is unable to even parse the mobile number it’s trying to register ! Seriously what is they point of locking me me our of the old app which was bad enough but at least worked, and now I cannot use either …
I know that HDFC is a mediocre excuse for a company, but did not expect this even from them.
Since they messed up my credit card application
I have been seriously considering leaving this rubbish bank, now I am determined to migrate to another one asap .
Even with an imperia account, there is absolutely no service or support of any kind. This is the end of the road for my journey with is slovenly enterprise
I know that HDFC is a mediocre excuse for a company, but did not expect this even from them.
Since they messed up my credit card application
I have been seriously considering leaving this rubbish bank, now I am determined to migrate to another one asap .
Even with an imperia account, there is absolutely no service or support of any kind. This is the end of the road for my journey with is slovenly enterprise
Too slow
Sluggish
Does not work
Neither the new app or the old app are working
You are screwing up with customer life
I am currently traveling abroad and was forced to download the new version of your app. Unfortunately, it is not verifying my SIM with my India eSIM, which has left me unable to access critical banking services.
This is not just a convenience issue - banking is an essential service, especially while traveling. Unlike a game or entertainment app, this cannot be postponed or ignored. If the app cannot handle real-world scenarios like international travel or eSIM usage, it undermines trust and reliability.
I strongly urge you to make the app more robust and ensure that all scenarios - including overseas usage and eSIM verification - are properly supported. Banking customers need seamless and dependable access anytime, anywhere.
This is not just a convenience issue - banking is an essential service, especially while traveling. Unlike a game or entertainment app, this cannot be postponed or ignored. If the app cannot handle real-world scenarios like international travel or eSIM usage, it undermines trust and reliability.
I strongly urge you to make the app more robust and ensure that all scenarios - including overseas usage and eSIM verification - are properly supported. Banking customers need seamless and dependable access anytime, anywhere.
Garbage
Useless and garbage app, asking lots of information to login, it seems that who developed and approved both doesn’t have common sense and brain.
Really bad
Feels like a downgrade from the previous app
The worst app I have ever seen
Why do they mandate phony verification on the same device ultimate garbage
Not well organised compared to older one
Not well organised compared to older one
Unable to login at all
My previous app was working fine. You are forcing me to upgrade and now broken my existing connection. I have an India number for OTP registered with Hdfc and using the app on my US mobile phone number. Now your automated variation is trying to send sms from my U.S. number and says it doesn’t match with any associated account. Pls fix
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Sentiment summary
98%
Positive (4-5★)
-0%
Neutral (3★)
2%
Negative (1-2★)