Two domains now lead to Fino Payment Bank services — the older finobank.com and the newer fino.bank.in — and both remain active simultaneously. Knowing which one applies to your specific login type avoids unnecessary confusion.
Fino Payment Bank is one of India’s licensed payment banks, offering savings accounts, money transfer, and merchant banking services, primarily through a network of BC (Business Correspondent) merchants and partners across the country — similar in structure to Airtel Payment Bank or India Post Payments Bank.
Quick Answer: Customer Net Banking: netbanking.finobank.com → Customer ID/Mobile Number + MPIN + Captcha Merchant/Partner Login: partner.finopaymentbank.in/cmslogin (or corporateportal.finobank.com) → User ID/Merchant ID Fino Mitra: “Fino Mitra” app — Google Play Store WhatsApp Banking: Chat on 8657008036 for account tracking without logging in anywhere
Customer Net Banking Login
Step 1: Visit netbanking.finobank.com
Step 2: Enter your Customer ID or registered mobile number
Step 3: Enter your MPIN
Step 4: Complete the Captcha
Step 5: Click “Login”
First-time registration: Visit netbanking.finobank.com → Register → enter email/mobile → OTP verification → fill customer details → Continue → registration complete.
⭐ Minimum-KYC Account — Auto-Closure Warning
If you opened your FinoPay Savings Account using only Aadhaar OTP + PAN (a “minimum KYC” account, without full in-person verification), it automatically closes after one year unless upgraded.
To upgrade before this deadline:
- Use the “Upgrade Account” option directly in the Fino app, or
- Visit your nearest Fino merchant point for in-person upgrade assistance
If your account has been open close to a year and you opened it via the quick Aadhaar-OTP route, check your account-opening date and upgrade proactively — don’t wait for the closure notice.
Merchant / Partner / BC Login
Step 1: Visit partner.finopaymentbank.in/cmslogin
Step 2: Enter your User ID / Merchant ID
Step 3: Click “Continue”
Step 4: Enter additional login details as prompted
Step 5: Submit to access the Merchant/Partner CMS portal
Alternative portal: corporateportal.finobank.com also serves as a partner access point — both lead to equivalent merchant dashboard functions.
First-time Merchant Registration:
Step 1: Visit the Merchant Login page → enter Merchant ID → Continue
Step 2: Verify your User ID
Step 3: Click “Test Biometric Pinpad and Camera”
Step 4: Download the PAX D180 Micro ATM driver
Step 5: Install required software — EL Web Services, POSVCOM, Prolin Uboot Driver, PAX CDC, PAXAndroid, Android ACM
Step 6: Complete first-time login: Enter Merchant ID → OTP → password (provided by Fino) → complete E-Agreement → set new password and security question
Fino Mitra App Login
Fino Partners/BCs are also referred to as Fino Mitra.
Step 1: Download “Fino Mitra” from Google Play Store
Step 2: Install and open the app
Step 3: Complete registration if first-time use
Step 4: Enter your Fino Mitra username and required login details
Step 5: Submit to log in
⭐ WhatsApp Banking — No Login Needed
Fino now offers WhatsApp Banking for basic account tracking — useful if you just need quick balance/transaction info without a full login.
Step 1: Save 8657008036 as a contact
Step 2: Send a message to start the WhatsApp Banking chat
Step 3: Follow the prompts for balance check, mini-statement, or other supported services
Become a Fino Merchant — New Registration
Step 1: Visit fino.bank.in/merchant/registration
Step 2: Complete the paperless onboarding process
Step 3: Receive your UPI QR code and Micro ATM setup
Step 4: Start earning commissions on transactions processed through your point
Registration is free — no upfront cost to become a Fino banking partner/merchant.
Common Problems + Fix
“Confused between finobank.com and fino.bank.in”: Both domains are currently active and lead to legitimate Fino services — finobank.com handles net banking and the original merchant CMS, while fino.bank.in covers newer customer-facing services like FinoPay Savings Account and merchant registration.
“Forgot MPIN for net banking”: Use the password/MPIN recovery option on the netbanking.finobank.com login page, typically via registered mobile OTP.
“Account about to auto-close — opened with just Aadhaar OTP”: This happens to minimum-KYC accounts not upgraded within a year. Use “Upgrade Account” in the app immediately, or visit your nearest Fino merchant point.
“Merchant biometric pinpad test failing”: Confirm you’ve installed all required drivers — PAX D180 Micro ATM driver, POSVCOM, Prolin Uboot Driver, PAX CDC, PAXAndroid, Android ACM — in the correct sequence before retesting.
“Can’t remember which portal I should use”: Customers use netbanking.finobank.com. Merchants/Partners/BCs use partner.finopaymentbank.in or the Fino Mitra app. These are not interchangeable.
FAQ
Is Fino Payment Bank login free? Yes — logging in to any Fino portal (customer, merchant, or partner) is free.
Who can use the Fino Payment Bank login? Fino customers (savings account holders), Merchants, CSP holders, Partners/Mitras can all log in through their respective portals.
Does Fino Payment Bank offer net banking? Yes — available at netbanking.finobank.com for customers.
Why did my Fino savings account close automatically? Minimum-KYC accounts (opened via Aadhaar OTP + PAN only) auto-close after one year unless upgraded through the app or at a merchant point.
Can I check my Fino account without logging into the app or website? Yes — WhatsApp Banking is available by messaging 8657008036.
How do I become a Fino merchant? Register for free at fino.bank.in/merchant/registration through a paperless onboarding process.
Official Links
| Purpose | Link |
|---|---|
| Customer Net Banking | netbanking.finobank.com |
| Merchant/Partner CMS | partner.finopaymentbank.in/cmslogin |
| Merchant Registration | fino.bank.in/merchant/registration |
| Fino Mitra App | Google Play Store |
| WhatsApp Banking | 8657008036 |
Knowing the auto-closure rule for minimum-KYC accounts ahead of time — rather than discovering it after the account is already shut — is a small but genuinely useful piece of timing most users miss when opening a Fino account through the quick Aadhaar-OTP route.
If you’re a Fino customer who opened an account using just Aadhaar OTP, check your account-opening date now and upgrade before the one-year mark to avoid automatic closure.
Related Articles: