The directions laid down by the RBI stipulate conditions relating to consent, communication, monitoring, and digital conduct for customers using banking platforms

Digital Banking Rules 2025: Customer Conduct Guidelines

Reserve Bank of India's Digital Banking Channels Authorisation Directions 2025

The Reserve Bank of India (RBI) has issued new guidelines for digital banking channels to ensure customer consent, accessibility, and risk controls.

Key Provisions

Customer Consent: No digital services can be activated without explicit recorded consent from customers.
Alerts and Notifications: Banks can send alerts through SMS or e-mail to customers' registered contact details for financial and non-financial actions in the account.
Smarter Registration and Access to Information: Banks must offer multiple channels to enrol and provide clear terms and conditions in English, Hindi, and the local language.
No Mandatory Digital Linking: Banks cannot make digital banking enrolment compulsory to avail of any other facility, such as debit cards.
Stronger Risk Controls and Monitoring: Banks must have internal transaction limits, fraud checks, and other filters in place to prevent potential risks.
Equal Access and Network Independence: Banks must ensure that all customers using different mobile network operators can access mobile banking services.
Limits to Digital Cross Selling: Banks are not allowed to display third-party products on digital banking channels without explicit permission.

The RBI's Digital Banking Channels Authorisation Directions 2025 aim to establish a unified basis of operation for banks and set clear expectations for customers using digital channels.