iWish-Get started FAQs

How do I get started?

To get started, please login to your Internet Banking account www.icicibank.com. Click on “iWish” on the top right hand corner.

Do I need to have a Savings Account with ICICI Bank to use iWish?

Yes, iWish is available only to ICICI Bank Savings Account holders. In case you do not have an account you can apply online at HERE

Do I need my Internet Banking User ID and password to create a goal?

Yes. iWish can only be operated through your Internet Banking account. In case you do not have your Internet Banking User ID and password, you can get them instantly at HERE.

How do I create a goal?

Please login to your Internet Banking account www.icicibank.com. Click on “iWish” on the top right hand corner. After the iWish page opens, click on “Start Now” from the Goals page. At the time of creating the goal you will be required to enter information relating to the goal (Name, Category, Amount and Tenure) and the Initial Deposit Amount. You may choose to set up a standing instruction and earn 10 reward points for every standing instruction executed successfully towards your iWish goal. You can also choose to share your goal on Facebook. After clicking on "Create Goal" your goal will be created instantaneously. You can transfer funds to your goal as soon as your goal is created. However, the goal balance will be displayed within 4 hours from creation of the goal. Please note the goal will not be created in case 1) There are insufficient funds in your account, 2) Your funding account is in a frozen state, 3) Your funding account is dormant or inactive or 4) If you are an NRI or a corporate customer. If case of technical not-errors, your goal will get activated within 2 working days.

What is the minimum and maximum amount of a goal?

The minimum amount is Rs. 5,000 and the maximum amount is Rs. 10,00,000.

What is the minimum and maximum tenure of a goal?

The minimum tenure is 6 months and the maximum tenure is 10 years.

What is a funding source?

You can choose to fund your goal through one of the Savings Accounts linked to your ICICI Bank Internet Banking User ID. These linked Savings Accounts are known as funding sources in iWish.

How can I deposit money into my goal account?

You can deposit money into your goal account through following means:

  • You can transfer money to your goal account from ICICI Bank iWish page.
  • You can set standing instructions on the ICICI Bank iWish page.

What is the minimum and maximum amount of initial deposit?

The minimum deposit amount is Rs. 500 and the maximum deposit amount is Rs. 49,999.

Is there any restriction on the type of goal that I can create?

You cannot create goals which are prohibitive or illegal. You can create any legitimate goal. For the sake of simplicity, goal categories and sub-categories are defined under which you can create your goal. We have tried to keep these categories as broad as possible to cover all areas for individual goals.

Is there any limit on the number of goals that I can create?

Yes, you cannot create more than 10 active goals. So if you have created 10 goals and all these goals are not yet closed, then you cannot create any further goal. As soon as any goal is closed, you can create a new goal against that goal.

What if I am not able to deposit money towards my goal in a certain month? Is there any penalty?

No, there are no penalties or charges if money could not be deposited towards your goal every month.

How can I share my goal on Facebook?

At the time of creating your goal you can choose to share your goal. You can add a description, choose whether you want to show percentage completion or goal balance and whether you want to auto post when goal milestones are reached. All of these are configurable through the “Sharing” tab on the ICICI Bank iWish page.

How can my friends and family contribute to my goal?

To enable friends and family to contribute to your goals, you will need to make your goal public while sharing on Facebook. Friends and relatives can click on your goal on Facebook from where they will be directed to your ICICI Bank iWish profile page. From here, they can use any bank's VISA Debit Card to contribute towards your goal.