Idea Money FAQs

What is an idea Money?

Idea Money is a semi-closed prepaid payment instrument offered by Idea Mobile Commerce Services Limited (IMCSL). IMCSL has been duly authorized by Reserve Bank of India to offer this service. Simply put, it is a prepaid account which can be accessed using your mobile phone or the Internet for conducting a variety of transactions like prepaid mobile recharges, DTH recharges, utility bill payments, postpaid bill payment, send money to other Idea Money account or any bank instantly through NEFT or IMPS & more.

How to register with Idea Money?

You can register with Idea Money through our Idea Money mobile app or our website or through USSD (USSD channel is for Idea subscribers only).  Click here to know about “How to register”


What are the variants of Idea Money wallet?

There are two variants of Idea money wallet.

Minimum KYC – Monthly limit on wallet is 20,000. (KYC not needed)

Full KYC – Monthly limit on wallet is 1,00,000/- (Submit KYC documents to nearest retailer. One ID proof and one address proof are required).

*effective from 24th Nov’16 to 31st Dec’16.

Can a non-Idea subscriber register on idea money?

Yes, a non –Idea subscriber can register on Idea Money.  Click here for more details on registration process


Do I need to have GPRS facility to use Idea Money wallet?

To transact using mobile app / website you need to have GPRS facility. To transact on USSD, GPRS facility is not required. However, USSD is available only for Idea Prepaid and Postpaid Subscribers.

What is Start key and M-PIN?

Start Key is the 4 digit PIN you receive through SMS after registration. Login using start key and change the key to your secret 4 digit M-PIN. Do not share your personal 4-digit M-PIN with anyone else.

How to load cash in your Idea Money account?

After you have registered for an Idea Money wallet, you can visit your nearest Idea Money retailer to load cash. You can also load money into the wallet online using your Debit Card, Credit Card or Net Banking Account.

To load cash now, click here

What are limits on online funding of the Idea Money wallet

The online funding limits are tabulated below:


Per Transaction Limit

Daily Limit

Monthly Limit

Debit Cards




Credit Cards








Note *Online funding is not available from 10:00 PM to 6:00 AM

*effective from 24th Nov’16  till further notification.

I have loaded my wallet online. Can I perform all Idea Money transactions now?

Yes, you can perform all transactions from your wallet once you have loaded it online. You will be able to Send Money to Bank or to another Idea Money wallet, after 49 hours of loading the wallet, if you have used a Credit or Debit card to load the wallet.

What can I do with Idea Money?

Use Idea Money wallet for

  •   Prepaid recharges, including Mobile, DTH, Broadband,Datacard.
  •   Postpaid bill payments.
  •   Utility payments i.e. Electricity, Gas, Telephone, Insurance and more
  •   Online merchant payments
  •   Offline merchant payments.
  •   Transfer funds to bank or other Idea Money accounts instantly.

Can I withdraw money from my Idea Money wallet?

No, you cannot withdraw money from Idea Money Wallet. However, you can transfer funds to bank account or other idea money Idea Money wallets.

Can I transfer money to my bank account?

Yes, you can transfer money to your bank account instantly through NEFT or IMPS

How many Idea Money wallets can I have?

As per RBI rules, one customer is allowed to have only one Idea Money wallet.

Is my money safe in Idea Money Wallet?

Yes, it is absolutely safe. For every transaction, your mobile number is validated & you are required to enter your secret M-PIN/OTP to authenticate that transaction.

Do I need to keep a minimum balance in my account?

No, there is no requirement to keep minimum balance in your Idea Money wallet.

Can I transfer money from Idea Money wallet to another wallet?

No,you can transfer funds only to other Idea Money wallets.

What are the charges for using Idea Money?

Type of transaction


Registration Charges – No KYC wallet

15/- (Current promo offer: Free)

Transfer to wallet

0.5% +Service Tax (Min charge 10 )

Transfer to Bank

1%+Service Tax (Min charge Rs.10)

Idea Recharge & Idea Postpaid


Other Telecom  Recharges, Other operator Postpaid & DTH Recharges


Utility Bill Pay


Cash in  through web/Retailer


All charges are mentioned on your screen whenever you initiate a transaction and the transaction is completed only after you provide a confirmation.

Transfer to Bank via IMPS is free of charge up to Rs 1000/-

Does Idea Money work on roaming?

Yes, Idea money works on roaming.

In case of refunds how do I get the money back in my Idea Money wallet?

Refunds will be credited to your wallet directly if you have not reached maximum limit of 10,000 (in case of min KYC) /1, 00,000(in case of full KYC) for that particular month. Refunds are processed within 3 working days.

How do I get in touch with Customer Care?

55400: Available nationally for Idea subscribers.

1800-2700-400: Available on all mobile operators.

Write to us at:

For more details, please visit our customer care section.

How to change M-PIN?

After logging into your account, go to My Account and click on Change M-PIN.
In case if you forget your M-PIN, please click on forgot M-PIN on login page. After providing required details, the Start key will be sent to your mobile through SMS. Login using the start key and change the M-PIN.

I have not received OTP. What should I do?

Please click on Resend OTP. If OTP is not received second time as well, please contact Customer care center. Please visit the following link for our customer care details

From where can I download Idea Money Mobile App

Please visit Google play store to download the Idea Money app for Android users
Visit the link :

Please visit App Store to download the Idea Money app for iOS users.  Visit the link


Where do I get update on latest offers?

Please follow the following link to get updates on latest offers.

I have ‘My Idea’ app. Do I have to download Idea Money app?

Yes, you need to download Idea Money app even if you have My Idea app. You can pay Idea postpaid bills on My Idea app using Idea Money.

Can I use Idea Money wallet if my number is suspended, disconnected or ported out?

No, you cannot use Idea Money wallet if the number is suspended or disconnected. You can still use the wallet if you ported out.

Can I claim my unused balance if I delete my Idea Money account?

It is not possible to get your unused balance back after your Idea Money account is closed; so it is highly recommended that you use the balance before initiating a closure request. For further details, please get in touch with Customer Care.

Is Idea Money app available on all mobile phones?

Idea Money app is available on Google play store and App Store. To use the Idea Money app, GPRS enabled smart phone is required.

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