RBI Proposes Rules to Ban Dark Patterns and Hidden Charges in Online Banking

The Reserve Bank of India (RBI) has proposed draft regulations to eliminate 'dark patterns'—design tactics that mislead users—on banking websites and apps by July 2026. These rules include banning product bundling without explicit consent and requiring clear disclosure of charges. A LocalCircles survey with over 161,000 respondents across India found many consumers experienced hidden fees, confusing prompts, and unsolicited add-on services during online banking transactions, prompting RBI's move to enhance transparency and customer consent.