To open a Home Vantage Current Account with us, you need to
      Be 18yrs of age or over
      Submit a valid proof of identity and address..

1) Proof of Identity must be issued by a public authority and include the applicant’s name, date of birth, nationality, signature and a photograph of the bearer e.g. Passports and Driving Licenses. If you are staying in UK on a Visa, the visa should be valid for minimum 6 months from the date of application.

2) Proof of Address must be issued by recognized authorities, banks or utilities and should include the full address of the applicant. It should not be more than three months old and could be in the form of utility bills, tax bill or bank statements.

 Easy Management
Easily manage your funds with Homevantage Current Account. You can transfer funds, set up direct debits, standing orders and make purchases.

 Debit Card with Free transactions in India
Free ICICI Bank Chip and Pin VISA Debit Card that allows you to make withdrawals and purchases at more than 600,000 VISA ATM's and 11 million shopping establishments across the UK. You can use your debit card in India completely FREE. We waive international currency exchange charges, making your stay in India as comfortable as possible.

Fast & reliable money transfers to India

	Just call us on 08081 31 41 51 (freephone from UK landline) for a transfer to India.
	Transfer money instantly, through your account online, with ‘Insta Online’ to your beneficiary’s ICICI Bank Limited account in India.
	Transfer money online to any bank in India which is a part of the electronic clearing system of the Reserve bank of India (RBI).
	You also enjoy the benefit of confirmed exchange rates, so you know the exact amount that will get transferred to your beneficiary in India. This does not apply to transfers made by cheque. You can check the status of your transfer anytime with the tracker tool.

Text Message Banking
When on move, keep in touch with your account with our Text Banking service. You can request for instant information on your account balance, last 3 transactions, scheduled money transfers and even order a cheque book.

24X7 online and phone banking
Connect to your account anytime with our 24 hours internet and phone banking service. Your HomeVantage Current Account gives you full internet access to move your money, view and download your statements and enjoy several other conveniences. You can also speak to a Phone Banking Officer anytime on 08081 31 41 51 (freephone from UK landline).

Once we have received your application with the required documents, we will open your account and send your account information to your correspondence address. You will receive the following from us:

	Account number and User ID for Internet banking
	Your personalized cheque book
	Your Internet banking password
	Your personalized chip and pin debit card and PIN

Please note that for security purposes, we will send your debit card to you in an inactive state. To activate your debit card, you need to call us on 08081 31 41 51 (freephone from UK landline).

You can view your account details, including balance and details of your transactions, any time from the comfort of your home. You can also check your balance and transaction details from most Visa network ATMs in the UK.

Alternatively, we recommend you to register for our free Text Banking service and get your account balance on your mobile phone.

There are no minimum balance requirements to operate your HomeVantage Current Account. However, if the total monthly average balance of all your accounts with us, such as HomeVantage Current Account, SuperSaver Savings Account, SuperSaver Bond, Fixed Deposit or HiSAVE Accounts, falls below £1000; the following charges will apply:

The total monthly average balance is calculated by adding the daily closing balance of all your accounts with us for the month and dividing it by the total number of days for that month.

The monthly average balance charge of a month will be automatically deducted from your account in the beginning of the following month and will appear in your account statement as Administration Charges.

Transactions - All transactions on your Account can be carried out normally during banking hours on working days, which means any day other than a Saturday, Sunday or bank or public holiday for England and Wales.

You can make payments to or from your Account through cash or cheques drawn on ICICI or any other bank. The cheques should be issued only in GBP currency. For details on accompanying transaction charges, payment and settlement systems, transferability of your account and other terms of operating your Account kindly go through the enclosed Terms and Conditions

Withdrawals - For withdrawing money you must keep your account in credit.

Payments - We will be glad to make payments from your account if you authorise us in the manner set out. This would include all forms of Standing orders, Direct Debits as instructed by you and also include payments internationally and in other currencies.

• The applicable current account has been opened for more than 6 months.
• The funds available in the applicable current account are equal or over the required debit card limit.
• The applicable current account is active

• The applicable current account has been opened for more than 6 months
• You have not been charged for the minimum balance requirement for the past three months.
• You have been regularly using the applicable current account i.e. you have made at least three transactions (through debit card ATM or POS withdrawals / cheque withdrawals or deposits / active direct debit withdrawal or deposit / money transfers to or from the account / remittances) for each of the past three months

1. Logon to your account using your User ID and Internet Banking Password.
2. Go to “Fund Transfer” and click “Add/Manage payees”
3. Select ‘’Add a New Payee’’.
4. Click on ‘’Payee with account details (within ICICI Bank UK)” if your payee holds an account with ICICI Bank UK. Enter the payee’s account number and select the branch or
5. Select “’Payee with account details (outside ICICI Bank UK)” if your payee holds an account with another bank. Enter the payee’s account number and bank sort code.
6. Once you have submitted the above details, a pop up message will be displayed on your screen informing you that a text message with the unique reference number will be sent to your mobile. Click ‘ok’ on the pop up message
7. Once you have received the unique reference number, login to your account within 72 hours of your payee registration request.

8. Go to “Add/Manage payees” and enter the unique reference number in either “Confirm payee details (within ICICI Bank UK)” or “Confirm payee details (outside ICICI Bank UK)” and submit.
9. Your payee is now registered. You can start transferring money immediately.

• Please read our Terms and Conditions carefully before using this service.
• Please keep your mobile number updated with us. To register/update your mobile number, call us on 08081 31 41 51 (freephone from UK landline).
• Unique reference number are unique for each payee registration request. In case you want to register more than one payee, a different unique reference number will be generated for each request. A new text message for each unique reference number will be sent separately to your mobile.
• Request for each payee registration will not be completed until the unique reference number has been entered in the “Confirm payee” section.
• Each payee registration request should be confirmed within 72 hours

To modify your existing payee details, you will have to first delete your existing payee and submit a new request to add your payee.

To change the nickname of your payee, simply follow these steps:

1. Login to your account using your User ID and Internet Banking Password.
2. Go to “Fund Transfer” and click on “Add/Manage payees”
3. Select ‘’Inquire, Change or Delete Payee’’ and enter the payee’s new nickname and submit.

Simply follow these steps:

1. Login to your account using your User ID and Internet Banking Password.
2. Go to “Funds Transfer” and click on “Manage Payees”
3. Select ‘’Inquire, Change or Delete Payee’’ and delete your payee

As an international student studying in UK, you would be required to provide the following documents to open an account with us;

• Valid Passport
• Passport with student visa (if that is applicable)
• Passport with UK issued Identity Card for foreign nationals (for non-EEA students)

• Confirmation of the UK address from your college or university

If you hold a Joint Account with us, we will act upon the instructions given to us by any of you or as per the signing condition that you may specify when opening the account. If there are any errors, you must tell us as soon as possible.

Each holder of the joint account is liable individually as well as together with the other(s) for the account. For details on disputes, communication between the Bank and You, end of relationship with any joint holder, freezing of account, kindly go through the Terms and Conditions

If you make no transactions on your account for a period of more than 18 months, then for the safety of your account and money, we would classify your account as 'Dormant'.

After classifying your account as 'Dormant' you will not be able to operate your account till you provide us with your latest proof of identity and address.

Note: Your money in a Dormant Account will always be your property no matter how many years have passed. If you die it will become part of your estate. If the account remains dormant with no customer initiated activity for 15 years, it may be governed by the provisions of the Dormant Bank and Building Society Accounts Act.

The clearing cycle is the time taken for money paid from or to your account to be deducted or added. Each UK cheque paid into ICICI Bank UK accounts clear on the sixth working day from the date of the deposit of the cheque. Whilst we may credit such amounts to your account on the date of presentation, the funds will be available to withdraw on the fourth working day from the date of the deposit for both current and savings accounts. The amount deposited will start earning interest from the second working day of the deposit for all types of accounts i.e current, savings and fixed deposits. If the bank, building society or other organisation that the cheque was drawn on decides not to honour it, they will normally explain the reason for non-payment. Thereafter, we will deduct the amount of the cheque from your balance no later than the end of the sixth business day after it was added to your balance. In all circumstances, you shall be the owner of funds on the sixth working day of the deposit of cheque and the amount of your cheques cannot be reclaimed from your balance without your consent to our doing unless you were knowingly involved in a fraud concerning the cheque. It should be noted that all cheques deposited in the Branches by 14:00 hours shall go into processing the same day. All cheques deposited after 14:00 hours shall get into processing on the next working day.

If cheques are deposited with Giro Slips at any of the banks, though you will earn interest from the second day but will be able to withdraw funds from the sixth working day only.

When you pay cash alone into your account, you will normally be able to withdraw the money immediately. It will be treated as cleared for interest calculation purposes.

Cheques drawn on a non-UK bank and foreign currency cheques are available for drawing when we are in receipt of cleared funds. In case of clearing of non-UK cheques we may take approximately 21 days for crediting cleared funds into your account.

Where legal reasons require, or in certain limited circumstances beyond our control, the payment of a cheque into your account may be prevented or may take longer than the time periods set out herein.

We recommend that you carry out the following checks;

• Are you using the correct user ID and password?
• Have you forgotten your User ID? In this case, please refer to the letter sent with your first cheque book. You can also call us on 08081 31 41 51 (freephone from UK landline) and we will help you with your User ID.
• Have you forgotten your password? Please call us on 08081 31 41 51 (freephone from UK landline) and we will generate a new password for you.
• Did you make 3 successive unsuccessful attempts to logon to your account? In this case, your online account is locked. You need to call us on 08081 31 41 51 (freephone from UK landline) to place a request for unlocking your online account.

You can reach us by phone on 08081 31 41 51 (freephone from UK landline) or email us at ukservice@icicibank.com

We recommend that you write to us by using the secure “Write to account manager” service in the mailbox provided in your Internet banking account.

You can also choose to write to us by post at;
ICICI Bank UK PLC,
PO BOX 905
WEMBLEY HA0 9DX

Do not keep your cheque book and cards together.
Do not allow anyone else to use your card, and do not tell anyone else your PIN , password or other security information.
If you change your PIN, you should choose your new PIN carefully. You can change it at any VISA ATM Machine by choosing the relevant option.
Try to remember your PIN, password and other security information, and destroy the notice as soon as you receive it.
Never write down or record your PIN, password or other security information.
Always take reasonable steps to keep your card safe and your PIN, password and other security information secret at all times.
Never give your account details or other security information to anyone unless you know who they are and why they need them.
Keep your card receipts and other information about your account containing personal details (e.g. statements) safe and get rid of them carefully.
Take care when storing or getting rid of information about your accounts. People who commit fraud use many methods such as ‘bin raiding' to get this type of information. You should take simple steps such as shredding printed material.
You will find the APACS website www.cardwatch.org.uk a helpful guide on what to do if you suspect card fraud. Another useful website on identity fraud is
www.cifas.org.uk/identity_fraud.asp
When you write a cheque, it will help to prevent fraud if you clearly write the name of the person you are paying the cheque to and put extra information about them on the cheque especially if you are not personally paying a cheque in (for example, because you are sending a cheque by post).
If you are making a cheque payable to a bank or a building society, do not make the cheque payable simply to that organization. Add further details in the payee line (for example, XYZ Bank, re J Jones, account number xxxxxx). You should draw a line through unused space on the cheque so unauthorized people cannot add extra numbers or names. This provision is designed to prevent, as far as possible, cheques being intercepted in the post and paid into the wrong account. The more details about the true payee and the fewer the empty spaces on the cheque, the less likely it is that it can be tampered with and used fraudulently.


What to do if you lose your cheque book, passbook or card, or if someone else knows your PIN?

Your cheque book, passbook or card has been lost or stolen
Someone else knows your PIN, password or other security information.

The requirement for customers to tell their bank or building society as soon as they can of loss, etc, rather than immediately, is to cover situations where the customer is unable to give immediate notice for a good reason.

The best way of telling us about the loss will usually be by calling us on 08081 31 41 51 (freephone from UK landline). You can also e-mail us or visit any of our branches.

Online banking
Online Banking is safe and convenient as long as you take a number of simple precautions. Please make sure you follow the advice given below:

Keep your PC secure. Use up-to-date anti-virus and spyware software and a personal firewall.
Keep your passwords and PINs secret.
Treat e-mails you receive with caution and be wary of e-mails or calls asking you to reveal any personal security details
Neither the police nor we will ever contact you to ask you to reveal your online banking or payment card PINs, or your password information.

Follow our advice – our website is usually a good place to get help and guidance on how to stay safe online. You can also visit www.banksafeonline.org.uk for useful information.

Cancelling payments
If you want to cancel a payment or series of payments you have authorised, you should do the following:

To cancel a cheque or standing order, you must tell us (we cannot cancel cheques covered by a cheque guarantee card).
To cancel a direct debit, you can either tell the originator of the direct debit or tell us. We recommend you inform us and the originator of the direct debit.
To cancel a recurring transaction you must tell the originator. We recommend you keep proof of cancellation.

It may not be possible to cancel payments if you do not give enough notice of your decision to cancel.

Liability for losses
If you act fraudulently, you will be responsible for all losses on the account. If you act without reasonable care, and this causes losses, you may be responsible for them.

Subject to the Personal Banking terms and conditions, we will be responsible for any unauthorised transactions that you tell us about in accordance with the terms and conditions (if we suspect fraud or that you have been grossly negligent, we will investigate the transaction and will only be responsible if/when we have concluded that there has been no fraud and you have not been grossly negligent). Where we are responsible, we will immediately refund the amount of the unauthorised transaction and any resulting interest and charges. We will have no further liability to you.

You will be responsible for all losses if you act fraudulently or if you allowed another person to use your card or your account.

You will be responsible for all losses arising from unauthorised transactions on your account as result of:

You acting fraudulently, or
You intentionally or with gross negligence failing to use your card, telephone banking services and/or Internet banking in accordance with the Terms (including keeping safe your card, PIN or any other security or personalised details), or
You intentionally or with gross negligence fail to notify us in accordance with the personal banking terms and conditions, of the loss or theft of any card, PIN, or other security or personalised details.

Your liability for the misuse of the card, unless we can show that you have acted fraudulently or without reasonable care, will be limited as follows:

If someone else uses your card or someone else knows your PIN before you tell us it has been lost or stolen, the most you will have to pay is £50;
If someone else uses your card details without your permission and your card has not been lost or stolen, you will not have to pay anything;
If someone else uses your card details without your permission for a transaction where the cardholder does not need to be present, you will not have to pay anything;.
If your card is used before you have received it, you will not have to pay anything.
After you have notified us of the loss or theft of your card or security details in accordance with section B, clause 8 of the Personal Banking Terms and Conditions.

We will not be responsible to you if we fail to comply with any of the Terms in these Terms and Conditions:
due to abnormal and unforeseen circumstances beyond our control, the consequences of which would have been unavoidable despite all efforts to the contrary; or
where our failure to comply is due to our obligations under law.