AU Small Finance BankDigital banking service
AU Small Finance Bank Digital Banking — AU 0101 App & NetBanking
AU Small Finance Bank's combined AU 0101 app and NetBanking profile, with mandatory mobile device binding, full-versus-view registration states, shared ₹10 lakh rail limits and a clearly published three-hour new-payee restriction.
First-party evidencePublished researchReviewed September 10, 2026Active
Required banking relationshipRequires an eligible AU relationship. Registration can provide view-only access when full card authentication is skipped; digital access does not waive the balance rules of the linked account.
Transfer / security limitsAU publishes shared App/NetBanking daily limits of ₹10 lakh each for IMPS, NEFT, RTGS, intra-bank transfer, payment gateway and bill payments; UPI is ₹1 lakh. One-time transfer and the first three hours for a newly added payee are capped at ₹50,000.
Channel cost / chargesNo separate channel subscription fee is modeled from the reviewed AU pages; underlying account, transfer, card and service charges remain subject to the applicable AU tariff.
Channel / product relationshipAU 0101 App and NetBanking use aligned digital credentials and shared transfer-limit tables, but access level depends on registration authentication and card/account eligibility.
Research processPublished by littleden.blog
Structured from first-party bank/issuer evidence. This page does not claim personal hands-on product use unless that experience is explicitly stated.
6 first-party sources
Last checkedSeptember 10, 2026
Recorded source review date, not a claim that the product changed that day.
Maintenance stateWithin scheduled review window
Target recheck: December 9, 2026.
Critical decision facts
Channel scope and security state determine what the published limit really means.
Rail, channel, beneficiary, cooling, authentication and recovery rules stay separate instead of being compressed into one generic digital-banking number.
Exact product-type evidence
Digital banking service evidence stays in its own structure.
Specialist fields below remain source-scoped. Missing values stay missing; one banking product type is never used to manufacture facts for another.
Digital channel controls
What the bank actually lets you register, transfer and control.
Channel capabilities are verified separately from the underlying account or card. Reviewed September 10, 2026.
Mobile channelAU 0101 App with registered-SIM SMS device binding, 4-digit MPIN and optional fingerprint/Face ID; card verification unlocks full transaction access.
Internet / web channelAU 0101 NetBanking using Customer ID plus password/mPIN, with debit/credit-card registration for full transaction access and account-number registration for view-only access.
Registration / activationApp: bind the registered SIM/device by SMS, select Customer ID, set MPIN and verify debit/credit card for full access. NetBanking: enter Customer ID, register via debit/credit card for full access or account number for view-only, verify OTP, then set password/security question/username.
Authentication / securityApp uses device binding, MPIN and optional biometrics; NetBanking uses username/Customer ID plus password or app mPIN, with OTP for payment/card-control confirmations.
Fund transfers / limitsApp & NetBanking daily limits: IMPS ₹10 lakh, NEFT ₹10 lakh, RTGS ₹10 lakh, intra-bank ₹10 lakh, payment gateway ₹10 lakh and bill payment ₹10 lakh; UPI ₹1 lakh and one-time transfer ₹50,000.
Beneficiary / cooling controlsTransfers to a newly added payee are restricted to ₹50,000 for the first 3 hours after addition, after which the configured/default limits apply.
Card controlsBoth channels support debit/credit-card limit management and usage toggles; NetBanking and app can enable/disable domestic/international, ATM/POS/e-commerce/contactless functions subject to the card.
Statements / service capabilitiesThe channels provide balances/statements, transfers, bills, investments, card management and service requests; AU also exposes fraud-reporting/channel-block controls.
Lock / recovery / fallbackRegistration/help is available through digital flows, call centre or branch; app access can be re-established through registered-mobile/device authentication and NetBanking credentials can be reset through the bank's support flows.
Maintained terms
Fees, balances, benefits, limits and eligibility without a single-score shortcut.
These six fields are the cross-product layer. The specialist section above controls whenever a type-specific field is more precise.
Channel cost / chargesNo separate channel subscription fee is modeled from the reviewed AU pages; underlying account, transfer, card and service charges remain subject to the applicable AU tariff.
Required banking relationshipRequires an eligible AU relationship. Registration can provide view-only access when full card authentication is skipped; digital access does not waive the balance rules of the linked account.
Digital service coverageAU 0101 App and NetBanking support balances/statements, transfers, bills, investments, cards and service requests. Both expose granular debit/credit-card controls and transaction-limit management.
Transfer / security limitsAU publishes shared App/NetBanking daily limits of ₹10 lakh each for IMPS, NEFT, RTGS, intra-bank transfer, payment gateway and bill payments; UPI is ₹1 lakh. One-time transfer and the first three hours for a newly added payee are capped at ₹50,000.
Registration eligibilityNetBanking uses Customer ID plus debit/credit-card verification for full transaction access, with account-number registration providing view access. The app requires the registered SIM, SMS device binding and MPIN; debit/credit-card verification is required for full transaction access.
Channel / product relationshipAU 0101 App and NetBanking use aligned digital credentials and shared transfer-limit tables, but access level depends on registration authentication and card/account eligibility.
Fit & cautions
Who this record appears designed for—and what can break the fit.
Best-fit wording summarizes the published proposition. It is not individualized financial advice or an approval prediction.
AU customers who want unusually explicit shared App/NetBanking transfer limits, detailed card controls and a clear distinction between view-only and full transaction access.
- AU distinguishes full transaction access from view-only registration; skipping card verification in the app or using account-number-only NetBanking registration does not provide the same rights.
- The ₹50,000 new-payee restriction lasts three hours; default configured limits apply after that window.
- ₹10 lakh is a daily cap for the listed rails, not necessarily a per-transaction entitlement for every product or customer.
Maintained comparisons
Compare this product only where the pair is deliberately maintained.
Both sides keep independent review dates, exact conditions and first-party evidence. No winner score is generated.
Decision checks
Mobile channelOnline channelRegistration
Decision checks
Mobile channelOnline channelRegistration
Decision checks
Mobile channelOnline channelRegistration
Decision checks
Mobile channelOnline channelRegistration
First-party source ledger
Complete evidence set for this maintained profile.
Each source remains independent. A product page, tariff, KFS/MITC, rate schedule or programme document is not silently treated as interchangeable evidence.
01
Primary product / service sourcewww.au.bank.in
Open source ↗02Additional first-party evidencewww.au.bank.in
Open source ↗03Additional first-party evidencewww.au.bank.in
Open source ↗04Additional first-party evidencewww.au.bank.in
Open source ↗05Additional first-party evidencewww.au.bank.in
Open source ↗06Additional first-party evidencewww.au.bank.in
Open source ↗Current-use rule
When the bank changes a term after the recorded review, the current agreement, tariff, KFS/MITC or effective rate table controls.
Research boundary
This page organizes dated public evidence; it does not guarantee eligibility, availability, approval, service quality or future pricing.