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Do I need to have an internet banking account to use IMPS?

Curious about Immediate Payment Service

Do I need to have an internet banking account to use IMPS?

Yes, to use IMPS (Immediate Payment Service), you generally need to have an internet banking account with your bank. IMPS is typically accessed through internet banking channels, which require you to have an active online banking account.

Here's the usual process for using IMPS:

1. Register for Internet Banking: To use IMPS, you first need to register for internet banking services with your bank. This usually involves submitting an application, providing the required documents, and completing the registration process as per your bank's guidelines.

2. Activate Internet Banking: Once your application is processed and approved, you will receive login credentials (user ID and password) or a OneTime Password (OTP) for activating your internet banking account. Follow the instructions provided by your bank to activate your internet banking access.

3. Login to Internet Banking: Using the provided user ID and password or OTP, you can log in to your bank's internet banking portal through a web browser on your computer or a mobile app specific to your bank.

4. Access IMPS Services: After logging in to your internet banking account, you can navigate to the funds transfer section or payments section, where you will find the option to initiate an IMPS transfer. Select the IMPS option and follow the instructions provided by your bank to complete the transaction.

While IMPS is primarily accessed through internet banking, some banks also offer the option to use IMPS through their mobile banking apps. In such cases, you would need to download the bank's mobile app and log in using your internet banking credentials to access IMPS services.

It's important to note that the exact process may vary slightly depending on your bank and their specific procedures for IMPS transactions. To get detailed instructions or guidance on using IMPS, I recommend reaching out to your bank's customer support or referring to their official website or documentation.

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