AU 0101 Mobile App can be accessed by anyone - AU Small Finance Bank customers as well as non-AU Small Finance Bank customers. Our bank customers can register using their account details or Credit / Debit Card.

Yes, there’s a lot you can do with AU 0101 without a Savings or Current Account. You can make payments for recharge related transactions, book hotels, flights, send gift cards, open a Savings A/c, apply for Car Loan and much more.

View the complete list of services available on AU 0101 App, here.

As an existing AU Small Finance Bank customer, you can enjoy a host of services like manage your deposits, manage your Credit / Debit Cards, apply for a Personal Loan, get insurance cover, invest in Mutual Funds / Stocks / IPOs, make lifestyle bookings like flight, bus and much more.

For a complete list of services available on AU 0101 App, click here.

Only Non-AU Small Finance Bank Customers can open a Savings account on AU 0101 App.

You will have a choice to either open a Minimum KYC Account or a FULL KYC Savings Account. A Min KYC account is valid for only 1 year from date of account opening & can hold a maximum balance of INR 1 lakh in the account. In case you do not complete the KYC in 1 year, we will have to close the account. Minor/Joint Savings Account & NRI Savings cannot be opened over Video Call.


Following are the steps to open savings account:

• Click on the Savings Account tab on AU 0101 App.
• Enter PAN & Aadhaar details to verify & proceed for e-KYC.
• Confirm your personal and income details & submit FATCA declaration.
• Choose your AU Savings Account & Branch and confirm your details to fund your account.
• Select complete your KYC over Video Call now or Schedule a Video Call for later date.
• Confirm your details with our Video Banking Officer, display your PAN Card on the camera, sign on a blank piece of paper & display your signature on the camera.

Non-AU Small Finance Bank Customers with no CASA relationship can open a Fixed Deposit account on AU 0101 App with help of following steps.

• Select FD option on the AU 0101 App.
• Enter PAN & Aadhaar details to verify & proceed for E-KYC.
• Confirm your personal and income details & submit FATCA declaration.
• Choose your Fixed Deposit Type, Enter Amount, Tenure, Bank Account Details & Branch
• Confirm and proceed to fund your account.
• Select complete your KYC over Video Call now or Schedule a Video Call for later date.
• Confirm your details with our Video Banking Officer, display your PAN Card on the camera, sign on a blank piece of paper & display your signature on the camera.

KYC is a process carried out by AU Small Finance Bank or any other bank or financial institution to verify the identity of their customers, as per the rules defined by the Reserve Bank of India (RBI). It is done when you want to initiate any kind of banking transaction, such as opening an account, applying for a loan or credit card, etc. This process can be done mainly in two forms: Minimum KYC and Full KYC.

Full-KYC requires physical verification of documents for identity and address proof, as prescribed by the RBI, such as driver’s license, passport, voter’s card, PAN card, etc.

To complete full KYC, you can go ahead with or without Aadhaar. Choosing Aadhaar requires biometric authentication, while the non-Aadhaar method needs you to present your documents physically at the branch.

Once full KYC is completed, you can access all the services offered by AU Small Finance Bank.

Usually, to complete full-KYC you need to visit a branch, but, given that the current situation calls for social distancing, branch visits pose additional risks that you may want to avoid.

Video KYC enables you to open an AU Savings Account instantly wherein, after entering your details, you will have the option to get on a video call with our bank executive to complete your KYC process. The video call will ensure you no longer need to visit the branch to complete your KYC.

Here are the advantages of choosing Video KYC and getting your Full KYC Account:

• Get the full-fledged Savings Account with Unrestricted deposits, spends and validity.
• No Paperwork with zero-contact account opening process from the comfort of your home.

For more details on Video KYC, click here.

Android OS Version: Android 6.0 and above

iOS Version: iOS 13.4 and above

You can deregister for AU 0101 App through AU 0101 NetBanking. Just login to AU 0101 NetBanking, go to Settings in the main menu and select “De-Register” to deregister your lost/stolen device.

mPin is a 4-digit passcode that you set while registering for AU 0101 App. You can use mPin to login to AU 0101 App.

On AU 0101 App, tap on Forgot mPin. You can reset your mPin with either of the three options below:

1. AU 0101 Username and Password

2. Debit Card details

3. Credit Card details

No, the registration will fail as your registered mobile number is required to activate the application.

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.

You can simply re-login to AU 0101 App and verify your transaction history to check if the transaction has been executed. You can also check your Account Statement on the app.

To ensure your details are secure when you access AU 0101 App, we have taken the safety measures mentioned below:

1. Device Binding: Linking mobile number with your device.

2. Fingerprint-based login.

3. PIN based App Lock

4. Pattern Lock

5. User ID – Password combination

6. Face ID based login (for iPhone users)

To successfully register/login to the mobile application, please follow the steps below

Step 1: Check the version of your Mobile OS

The AU 0101 App is supported by the following OS versions:

Step 2: Clear cache/ old data from the AU 0101 App (for Android users only)

Follow the steps to clear cache and cookies from the AU 0101 App on Android devices:

a) Long press the AU 0101 App icon
b) Select the App Info icon from the menu.
c) Click on Memory/Storage menu
d) Click on Clear Data button
e) Confirm & clear all data on the App and register again.
For iPhone devices - Uninstall AU 0101 App and install it again from the App Store.

Step 3: Restart the Mobile Device

If you continue facing the issue, then reach out to us with the screenshot of the error  on -  customercare@aubank.in and our team will look further into your issue.

Note:- Ensure that you are using the latest version of AU 0101 app. Check Google Play / App Store for any updates on AU 0101 App.

Yes, you can add secondary users on the same AU 0101 App following the steps below:

Step 1: Click on AU 0101 App

Step 2: Click on the three horizontal lines available on the upper left corner

Step 3: Select Settings option from the list.

Step 4: Click on Add User

Step 5: Enter Customer ID of secondary user

Step 6: Enter One Time Password (OTP) received on your registered Mobile Number.

Step 7: Enter MPIN of the secondary user.

If you still face any issues, then reach out to us on customercare@aubank.in (add screenshot if required) or call us at 1800 1200 1200.

This issue could be due to low network coverage. You can follow these methods to fix it –

- Enable ‘Flight Mode’ on your device and disable it after a few minutes.

- Restart your device.

If you still face any issues, call us at 1800 1200 1200.

You can follow these troubleshooting tip –

- Ensure the device Date & Time is set as Standard Time Zone.

- Restart your device.

If you still face any issues, call us at 1800 1200 1200.

This issue is due to Biometric login. Follow the steps below:

- Login to AU 0101 App  using MPIN.

- Click on Settings menu from the dashboard

Or Click on three horizontal line available on upper left corner.

- Disable the Biometric toggle and enable it again.

If you still face any issues, call us at 1800 1200 1200.

Login to AU 0101 App and tap on Accounts to check your recent transactions.

• Tap on FD/RD, and select Open FD/RD
• Select Product, enter Deposit Amount, select Interest Pay-out Frequency, Deposit Period and Debit Account
• Click on Next
• Set Maturity Instructions and you may choose to select a Nominee
• Proceed to book your FD/RD

Click here to open FD/RD

Yes. You can use the Close FD/RD option under FD/RD menu to pre-close deposits.

• Login to AU 0101 App and click on FD/RD icon.
• Select Close FD/RD option from the 3-dot menu (present on top-right). Also available from FD/RD option under Service Requests.
• Select any of the two options:
  • Full Closure (available for Fixed Deposit, Green Fixed Deposit and Recurring Deposit)
  • Partial Closure (available for Fixed Deposit and Green Fixed Deposit)
• Select Deposit Number from the dropdown.
• Select Credit Account to transfer the final amount.
• Review details of Pre-Closure. Click on Proceed button.
• The deposit with the mentioned details will be closed and amount will be credited to the AU account.

No, maturity amount is not the net amount. TDS will be deducted over it, if applicable.

Yes. If you’re a Joint Account Holder, you can create a joint FD. However, it is only possible for holders up to two. For more than two holders, one needs to visit the branch.

Please note: These FDs can’t be closed online.

• Tap on FD/RD, and select Open FD/RD.
• Select Product, enter Deposit Amount, select Interest Pay-out Frequency, Deposit Period and Debit Account (Make sure a Joint Account is selected).
• Select the Name on Deposit.
• Select Case 2, i.e., where two holder names appear in order to create a Joint FD (for more than 2 holders, please visit the nearest branch).
• Click on Next.
• Set Maturity Instructions and you may choose to select a Nominee.
• Proceed to book your FD/RD.

No. To create a Joint FD for more than 2 holders, please visit the nearest branch.

No, redemption is not possible for Joint FDs on the App. Please visit the nearest branch for the same with all the deposit holders.

Login to AU 0101 App

• FD/RD > Three dots menu > Interest Certificate > Select Year > Download
• Service Requests > FD/RD > Interest Certificate > Select Year > Download

Please note:

• Currently, this option would be shown to only Resident Customers.
• Option of Interest Certificate won’t be shown if the user has never created a Deposit.
• Interest Certificate wouldn’t be downloadable if no FD/RD was open in the selected financial year.

To book an FD of more than Rs. 50,000 in AU0101 App or Net Banking, PAN or Form 60 is required to be submitted. If you are unable to proceed with the booking online, please try visiting a branch or contacting your Relationship Manager for assistance.

Login to AU 0101 App

• Accounts > Three dots menu > Interest Certificate > Select Year > Download
• Service Requests > Accounts > Interest Certificate > Select Year > Download

Please note:

• Currently, this option would be shown to only Resident Customers.
• Option of Interest Certificate won’t be shown if the user doesn’t have any active Savings Account.

Eligible deposits for pre-closure:

• Partial Withdrawal: Fixed and Green Fixed Deposits
• Full Withdrawal: Fixed, Recurring and Green Fixed Deposits

Note:

1. To close a Joint FD, please visit the nearest Branch.
2. Tax Saving FD has a lock-in period of 5 years with no option of pre-mature withdrawal.
3. As per Sec 80C, a maximum of Rs. 1.5 lakh can be deposited per customer for a Tax Saving FD.

The primary difference between a Green FD and a Regular FD is the utilization of funds. While a regular FD typically funds a range of activities, a green FD specifically finances environment friendly projects, such as renewable energy initiatives, electric vehicle and many more. It is the best choice for eco- conscious investors. Know More

• Select IPO by logging in to AU 0101 App.
• Tap on IPO (ASBA)
• App will redirect to iposmart.aubank.in
• Choose the IPO of your preference and click on Apply Now.

• Login to AU 0101 App
• Select Mutual Funds under the Investment tab
• Choose your Account number
• Update FATCA details and proceed to Risk Profiling page
• On completion of Risk Profile, you can start investing in mutual funds

If you are an existing AU Small Finance Bank customer, you can access all modes of fund transfer mentioned below.

• Fund Transfer between your own accounts
• Fund Transfer to any other AU Small Finance Bank account
• Fund Transfer to other bank accounts (NEFT/RTGS/IMPS/UPI)

• Existing AU Small Finance Bank customers shall login to AU 0101 App
• Click on BHIM UPI and select Create UPI ID: Tap on UPI Registration & choose from suggested UPI ID or enter UPI ID of your choice.
• Once you have a UPI ID, select from options: Scan to Pay or Send Money
• Scan To Pay: Scan the UPI QR code of payee & Enter amount. Tap Next to confirm payment details & proceed. Enter UPI Pin to complete your payment.
• Send Money: Tap on UPI ID, Enter UPI ID of payee & amount. Tap Next to confirm payment details & proceed. Enter UPI Pin to complete your payment.

• Existing AU Small Finance Bank Customers can login to AU 0101 App and click on Money Transfer.
• Select the relevant option: 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.

• Login to AU 0101 App and click on Video Banking.
• Select on Video Banking – Transactions.
• Click to make a Video Call Now or Schedule a Video Call for later date.
• Once your call is connected, you can make your request with our Video Banking Officer.
• You would need to share the beneficiary account details and give consent over the call for money transfer.

• Existing AU Small Finance Bank Customers can login to AU 0101 App and select Money Transfer.
• Click on Manage Payee and then 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 INR 50,000 for 3 hours post addition. Default limits will be applicable after 3 hours.

• Existing AU Small Finance Bank Customers shall login to AU 0101 App and click on Money Transfer.
• Select 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.

• Unified Payments Interface (UPI): Unified Payments Interface (UPI) is an instant real-time payment system developed by National Payments Corporation of India facilitating interbank 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. 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 via AU 0101.
• 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 via AU 0101.

There are no service charges for UPI, NEFT and RTGS fund transfers done via AU 0101 App.

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

Following are the min. and max. limits for online Fund Transfers:

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 your AU Small Finance Bank within 2 hours. Once the amount is received by AU Small Finance Bank, it is credited to your account.

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.

• Login to AU 0101 App and select Debit Card.
• Click to Block this card either temporarily or permanently.

• Login to AU 0101 App and click on Debit Card.
• Select Regenerate PIN, enter Debit Card expiry date and set your new pin.

Login to AU 0101 App and click on the Debit Card icon

• Click on Enable/Disable text against Transactional Usage
• Use the toggle switches of Domestic and International Usage. Further on, each of ATM, POS, Online, Contactless usage can be enabled/disabled for both domestic and International
• Click on Confirm button to proceed
• Verify using OTP received on your registered mobile number

Debit Card transactional usage will be updated.

• Login to AU 0101 App and 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.

Login to AU 0101 App and click on the Debit Card icon

• Click on Enable/Disable text against Transactional Usage
• Switch on the toggle for International Usage. Further on, each of ATM, POS, Online, Contactless usage can be enabled/disabled individually under international usage
• Click on Confirm button to proceed
• Verify using OTP received on your registered mobile number

Debit Card transactional usage will be updated.

Existing Customer:

• Login to AU 0101 App, tap on Offers.
• Check if you have a pre-approved offer for Credit Card in Offers section.
• If you don’t have a pre-approved offer on Credit Card, go back to main menu, tap on Credit Card & Apply Now.
• Confirm your Mobile No. & PAN
• Select Customer ID & Tap on Next
• Verify your Aadhaar No.
• Add Delivery address, personal details, employer details
• Select the Credit Card of your choice (as per eligibility)
• Upload Address Proof
• Initiate Video KYC to complete your Credit Card Application

For more information about Credit Cards, click here.

• Login to AU 0101 App and click on Credit Card.
• Select View Statement and check the unbilled transactions or click on “Monthly” to view statements of previous months.

• Login to the AU 0101 App and click on Credit Card.
• Select Service Request and click on Block/Unblock Credit Card.
• Select either to block the card temporarily or permanently.
• Under ‘Permanent’, there is an option to select ‘Block with Replacement’, to receive a new Credit Card.

- Login to AU 0101 App and select Credit Card.
- Select 3-dot menu in the right corner and click Set/Reset PIN
- Enter new 4-digit pin & submit.

• Login to AU 0101 App and click on Credit Card.
• Select on Reward Points and click on Redeem Now.
• You will be re-directed to AU Rewardz portal, click on Redeem points from Menu.
• Select E-Gift voucher or add to Cart the product of your choice to redeem.
• Proceed to Payment & complete OTP verification. That’s it! You have redeemed your reward points.

Yes. You can use the Block with Replacement option with pre-defined charges under Permanent Block functionality to replace a damaged/ lost card.

• Login to AU 0101 App and click on Credit Card icon
• Select Block/Unblock option from the 3-dot menu (present on top-right)
• Click on Permanent Block radio button and further select Block with Replacement option
• Select the Delivery location – Permanent or Communication Address. Replacement Charges will be displayed on screen
• Check the details and click on Confirm to continue
• Verify using OTP received on your registered mobile number

Your present Credit Card will be successfully blocked and request number for the issuance of new Credit Card will be displayed.

Existing Customers:
- Login to AU 0101 App
- Click on Bill Pay and select bill category.
- Choose from various billers to pay your bills, enter Details and select your bank A/c no or select your AU Credit Card.
- Confirm Bill Details and proceed to payment.
 
Non-AU Small Finance Bank Customers:
- Open AU 0101 App and click on Bill Pay and select bill category.
- Choose from various billers to pay your bills and enter Details.
- Confirm Bill Details and enter UPI ID to pay from.
- Approve payment collect request on entered UPI ID through the respective UPI App.

Automatic Bill Payments can be set by you if you are an existing customer with us holding a Current or Savings Account:
- Login to AU 0101 App and click on Bill Pay.
- Select Bill Category and choose from various billers to pay your bills.
- Post bill payment, click on set up standing instructions.
- Choose the max. amount to be paid every month, date range and click on submit.
- Enter your mPIN to confirm and set up auto bill payment.

Existing Customers:

• Login to AU 0101 App and click on Recharge.
• Choose from Mobile or Data card and input details.
• Proceed to Recharge and review your order.
• Select your Bank Account no. & proceed to Payment

Non-AU Small Finance Bank Customers:

• Open AU 0101 App and click on Bill Pay and select bill category.
• Choose from various billers to pay your bills and enter Details & Amount.
• Confirm Bill Details and enter UPI ID to pay from.
• Approve payment collect request on entered UPI ID through the respective UPI App.

You can request for Cheque Book, Cheque Status and much more using the AU 0101 App. To view the list of service requests that can be made with AU 0101 App, under ‘Service Request’ section, please click here.

• Login to AU 0101 App and click on Service Request.
• Choose Request Cheque, add details and submit to get cheque book delivered at your communication address.

• Login to AU 0101 App and click on Service Request.
• Select FD/RD and select add/ update nominee.
• Select account type and account no. to add or update nominee.

• Login to AU 0101 App and click on Apply Now.
• Select the product of your preference and complete the steps.

• Login to AU 0101 App and click on Apply Now.
• Select “Locker”, select State, City and Branch where you wish to book your locker and submit your application.

It is available on your profile page.

Login to AU 0101 App and click on View Profile from the burger menu.

• Login to AU 0101 App and click on Service Request icon
• Click on Cheque Services.
• Select Positive Pay from menu.
• Enter the Account and Cheque details.
• Enter further details – Amount, Issuance date, Payee Name.
• Review the details and click on Confirm to successfully raise the request.

• Post login, select ‘Settings’ from the menu (≡) on top-left, or from the homepage
• Select ‘OTP on email’ option
• Toggle ON or OFF the button and click on Confirm (By default OTP on email is ON)
• Post successful update, you will receive a confirmation message on your registered mobile number

• Login to AU 0101 App and click on Settings icon.
• Enable/ Disable Face ID switch
• Click on Confirm to proceed.
• Verify by successfully authenticating Face ID match.
• Face ID authentication will be enabled on your device.

Go to AU 0101 App and click on Flights.
- Select your source and destination cities, departure and return dates, class, no. of travelers 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.

Go to AU 0101 App and click 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 to select your boarding and drop point.
- Enter traveler details and tap on Proceed to confirm your details and tap on Pay Securely to book your bus ticket.

Go to AU 0101 App and click on hotels.
- Enter the city, area or hotel name and 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.

• Open AU 0101 App and click on Quick Access and click on Contact Us.
• Tap on Scheduled Video Calls and click to join your Video call with our Video Banking Officer as per the scheduled time

Click here to know more about Video Banking.

• Login to AU 0101 App and click on Apply Now.
• Select Car Loan and you would get to choose between Used Car Loan and New Car Loan.
• Select the product of your preference and complete the steps.

You can check your loan statement only if you are an existing customer with AU Small Finance Bank and have availed a Loan from us.

• Login to AU 0101 App and click on Loans.
• Select View Loan Statement.

Go to AU 0101 App and click on Gift Cards.
- Select the Gift Card of your choice and enter amount, quantity and choose to send as Gift or Buy for self.
- Enter Email & Mobile number of recipient & message, if sending as a gift.
- Enter your/sender details and review your order.
- Select your Bank Account no. & proceed to Payment.

• Click on Quick Access and then on WhatsApp Banking. You will be redirected to open a chat on WhatsApp to mobile no. 8383838399.
• Just Say Hi on WhatsApp and you will be greeted with list of services that you can access depending on whether you are an existing AU Small Finance Bank customer or Non-AU customer.

You can recharge your FASTag in a few simple steps in 'FASTag Recharge' section in AU 0101 App.

• Register on AU 0101 App and login.
• Tap on 'FASTag Recharge'.
• View all AU FASTags that you have.
• Select the FASTag you want to recharge and enter the desired amount.
• Proceed to confirmation and enter OTP that is sent to your mobile number to complete your recharge.

You can do so by using Bill Pay menu available on AU 0101 App. Select FASTag category under Bill Pay to initiate the transaction. (Or you can also click on Other Bank FASTag under Recharge FASTag ).

Refer Bill Payments FAQs for more info.

Once any toll amount is debited from your FASTag wallet, you will receive an SMS confirming the transaction. You can also login to AU 0101 App, tap on 'FASTag Recharge' and find your transactions along with the statuses on 'View Transactions'.

You can check your deduction of toll charges on the transactions list on 'FASTag Recharge' on AU 0101 App. If there is any amount charged on your FASTag wallet incorrectly, you can repost the issue by contacting our customer service desk at 1800 258 7300.

You will be allowed to pass through the toll plaza once. But later, the status is considered as low balance. Your vehicle can be blacklisted if you don't have sufficient balance. Recharge your tag on 'FASTag Recharge' on AU 0101 App to avoid Blacklisting of tag.

You can check your FASTag balance on 'FASTag Recharge' on AU 0101 App. You can see if your wallet is having low balance and proceed to the recharge with desired amount.

https://aufastag.aubank.in/Account/BankLogin

If your FASTag rechargefails and amount is not credited in your FASTag account, it will be refunded back to your bank account within 24 hours. If it does not get refunded, kindly reach us at 1800 258 7300 or write to us at customercare@aubank.in.

Login to AU 0101 App and click on Contact.

• Click on “Your Relationship Manager”
• If you have a Relationship Manager, their contact details will appear.
• You may choose to contact them via Email, WhatsApp or a Phone Call, by clicking on the respective icons, whichever is preferable to you.

Kindly contact them in the preferred time on working days.