811 for India. Read how 811 is enabling people across India. Save, Invest, and Grow with Kotak811

Rajesh Mahajan

Investment Banker

One of the best zero-balance instant account bank apps in the market!


Prashant Kothari

Finance Assistant

Kotak Bank instant savings account is safe and is easy to use.


Meena Tambe

Advertising Professional

Wow! Loving the Kotak811 zero balance account. They offer free & fast fund transfer option as well.


Rajiv Desai

BTL Market Associate

I have been using this instant savings a/c since Oct 2021, had some issues with the old version of the app. But after the last update things are ok. The bank is surely concerned about customer satisfaction.


Gaurav D


I am a developer myself. And let me give you my honest opinion about the app. The account opening process is easy, fast and paperless. The Kotak811 app is loaded with multiple features, which is essential for daily banking requirements. The zero balance account feature is a big YES for everyone looking for a savings account. Guys, only 1 observation please address the not so frequent app reload issue. In the nutshell I love this instant account from Kotak.


Sweety Patel

Finance Growth Advisor

There are many online zero balance savings account apps. Kotak811 is transparent & without any hidden charges. Their customer service is reliable. The best part is the virtual debit card they offer. Great job keep it up.


Hiren B

Investment Banker

If someone is looking to open an instant account. Just go for this one. It is easy, practical and offers multiple features. All of this at zero balance.


Rajat Desai

Strategic Alliance - Manager

Great app, great functionalities. I’m happy!


Mohit N

UX/UI Developer

The interface is friendly & organized. Doesn’t crash, a good app.



Home Maker

Was facing login problems, but after the update now it’s working fine. No need to visit any branch anymore.