IDFC Account Linking

This guide walks you through the process of linking your IDFC Bank current account to your Open.Money business account.

Prerequisites

• Active Open.Money account with Banking module access
• IDFC Bank current account credentials
• Access to IDFC FIRST Bank BXP portal
• Registered phone number associated with your IDFC account

Linking Flow

Step 1: Navigate to Banking and Initiate Link

1. Log in to your Open.Money account
2. Click on Banking in the left sidebar
3. Under "Connected Accounts," click + Link now
4. Select IDFC Bank from the list of available banks

Step 2: Enter Account Details

In the "Link your Current account" form, provide the following information:

Click Proceed to continue.

Step 3: Review and Authorize in Open.Money

1. A confirmation dialog will appear indicating that maker-checker flow is enabled for your account
2. Read the disclosure: "for bulk transfer the transaction will go through without maker checker approval"
3. Click I Agree to acknowledge the terms and conditions
4. Click IDFC Login button
   You will be redirected to IDFC's authentication portal.

Step 4: Authenticate with IDFC

1. You will be redirected to the IDFC FIRST Bank BXP login portal
2. Enter your credentials:
   • User ID
   • Password
   • CAPTCHA (if prompted)
3. Click Sign in >

Step 5: Authorize in IDFC Portal

1. Log in to your IDFC FIRST Bank BXP account

2. Navigate to Payments tab

3. Click on Pending Actions

4. Locate the pending action: "Approval for Registration / DeRegistration done of Partner Platform"

5. Review the authorization request details:

   • Corporate ID
   • Login ID
   • Maker ID
   • Maker Date
   

6. Click Authorize to approve the connection

Step 6: Retry in Open.Money

1. Return to your Open.Money account (or log in if the session expired)
2. Navigate to Banking
3. Locate your linked account card
4. Click Retry button to finalize the linking process

Step 7: Verification

Upon successful linking, your account will display:

• Account holder name
• IFSC Code: IDFB0080151
• A/C No. (masked for security)
• Account balance
• Recent settlements and withdrawals
  The account is now active and ready for transactions.

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Handling Token Expiry

If you encounter a "Token Expired" error message:

Error Message:

"To continue using IDFC Connected Banking services, please authenticate your net banking credentials in the IDFC portal"

Resolution:

1. Click Continue on the token expiry dialog
2. You will be redirected to the IDFC netbanking authentication page
3. Log in with your IDFC netbanking credentials:
   • Username
   • Password
4. Click Login
5. Upon successful authentication, your linked current account will be active again

   Note: Tokens refresh periodically. If you encounter this message during any transaction, follow the steps above to re-authenticate.