FinoPay

FinoPay FinoPay is a secure mobile banking app for Android that helps you transfer funds, pay utility bills, and send money instantly via UPI/IMPS—without carrying cash.

FinoPay

FinoPay is a mobile banking app designed to make everyday payments and transfers effortless. You can move money between your accounts, settle utility bills like water, electricity, and gas, and pay for purchases by linking your accounts—so you don’t have to carry cash. The app also includes tutorials for selected features, and you can send money to friends and family by entering the recipient’s account number.

Security comes first. FinoPay uses multiple safeguards and encryption methods to help protect your account and personal data while you use its features. The app is continuously improved with additional financial services and enhanced security, aiming to make your experience even smoother over time.

Main Features

• Manage all your Fino accounts (Wallet, Savings, and Current) and perform transactions directly.
• Buy insurance for yourself and your family through partner tie-ups available on FinoPay.
• Link your bank account with Fino BHIM UPI and send/receive money instantly.
• Flexible transfers: send funds from any of your linked bank account or wallet.
• Instant IMPS transfers to other bank accounts by entering account number and IFSC.
• Send money to Fino users using their mobile number to any eligible Fino Account/Wallet (requires Full KYC).
• Superfast transactions with Favorites: mark a transaction as favorite to access it quickly—ideal for repeat actions like mobile recharge or fund transfers.



• Minimum-click transfers for Full KYC wallets: send money to friends and family’s mobile wallets with fewer steps.
• Personalized offers via notifications and banners, keeping you updated on products aligned with your daily needs.
• Top up your wallet using Debit/Credit Cards, Net Banking, and UPI. You can also save cards for faster reloads, supported by our payment gateway (PG) partner.

How It Works

Mobile Banking

FinoPay helps you bank on the go by giving access to all your Fino accounts, including your wallet, savings, and current accounts.

UPI Services

You can link your account for UPI payments, create your UPI VPA, and start sending or receiving money quickly and securely through UPI.

Personalized Offers

Get updates on offers tailored to your daily needs through in-app notifications and banners.

Fund Transfers

Transfer funds smoothly using IMPS to other bank accounts by entering the account number and IFSC. You can also send money to Fino customers using their mobile number.

Bill Payments

Pay bills conveniently using the integrated BBPS platform. The app supports a variety of payments, including mobile recharge and insurance premium payments, covering major utility categories.

Merchant Payments

No need to carry cash. Pay at participating merchant stores by scanning the QR code, with a secure and convenient payment flow.

FAQs

What is a Minor Savings Account?

A minor savings account is a savings option for children aged 10 years to 17 years and 9 months. This minor account is named the “Bhavishya” savings account.

How many minor accounts can be opened under one parent?

Under each parent, a maximum of 3 minors can open a minor savings account.

How will the account be opened?

The minor savings account can be opened using E-KYC only.

What happens when a minor turns major?

When the minor becomes a major, the customer must complete Re-KYC and choose from the available savings variants.

Is DBT facility available for a minor savings account?

Yes. DBT can be used through the minor savings account. Minors can also receive scholarships in the Bhavishya savings account.

What are the mandatory requirements to open a minor savings account?

• PAN card / Form 60
• Aadhaar card
• Valid mobile number

Should a minor’s contact details be different from the parent’s?

Yes. The parent’s mobile number must be different from the registered mobile number of the minor.

Is parent consent required to open a minor savings account?

Yes. Parent consent is required and must be provided through OTP authentication.

Summary

FinoPay supports hassle-free payments and transfers, including QR scanning and its Favorite feature for quick repeat transactions. It also lets you pay utility and cable-related bills and purchase an insurance plan for your family.

That said, some users may find the app’s load times slower than expected when opening it, which can be inconvenient for urgent transactions.