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Open Zero Balance Savings Account Online & Earn up to 5.75% p.a.* with ActivMoney

Kotak811 brings you a zero balance savings account designed for today’s digital users. You can complete online zero balance account opening instantly with just Aadhaar and PAN. Enjoy attractive interest rates, cashback rewards, and 100+ banking features and services through the Kotak Bank 811 App - all without maintaining any minimum balance.

Whether you are at home, work, or travelling, your account is always accessible. Kotak811 is one of the most sought-after options for zero balance account opening in India - secure, fast, and entirely digital.

Compare Zero Balance Savings Accounts Offered by Kotak811

Among all the zero balance savings accounts in India, Kotak811 stands out by offering both a true Zero Balance option and an enhanced 811 Super variant. You can compare the two accounts using the table below, and choose the one that best suits your needs.

	Savings A/c	Recommended Savings A/c
Monthly deposit - In a single transaction	₹0	₹10,000
Zero balance account
Annual cashback	₹0	Up to ₹6,000
Annual Program Fees	₹0	₹399
Digital Fund Transfer - NEFT/RTGS/IMPS	Free	Free
Funding during a/c opening process	₹2,000	₹10,000
Virtual Debit Card	Free	Free
Physical Debit Card	VISA Classic ₹399	VISA Platinum - Free
Daily ATM cash withdrawal	₹25,000	₹1 Lakh
Cash transaction limit	₹10,000 or 1 transaction per month	₹2 Lakhs or 4 transactions per month
Dedicated customer support	NA
Cheque book	₹5 per cheque leaf	One Free / year
Up to 5.75% interest p.a. with ActivMoney
Only Aadhaar & Pan card needed
Personal accident cover	Up to ₹2 Lakhs	Up to ₹15 Lakhs
Purchase protection	Up to ₹50,000	Up to ₹1 Lakh
Air accident cover	NA	Up to ₹50 Lakhs
Lost card liability	Up to ₹2.5 Lakhs	Up to ₹3.5 Lakhs

Benefits of Kotak811 Zero Balance Savings Account

Opening a zero balance savings account online with Kotak811 gives you the following benefits:

Zero balance commitment
Keep your account at ₹0 with no penalties
Attractive interest rates
Earn up to 5.75% p.a. with ActivMoney’s auto-sweep
Free digital debit card
Start transacting instantly with a virtual card
Cashback rewards
Up to ₹250 cashback on UPI transactions

Other benefits that you get:

Daily transaction freedom: You can move money or make payments up to ₹1 lakh in a single day, so regular usage does not feel restricted.
Global support: VISA’s customer service line is available all hours, across countries, which helps if something goes wrong when abroad.
Wider financial coverage: Savings, bill payments, everyday shopping, even investments and loan repayments — the account is meant to handle all of it.
Convenience of digital banking: No branch visits required; the account can be opened remotely. KYC can be finished through a secure video call, after which transactions can begin without delay.
Full suite of transfers: NEFT, RTGS, IMPS, UPI — all major options are included, and without fees.
Account flexibility: Either keep to the classic Zero Balance Account for the basics or opt for 811 Super Zero Balance Account to add benefits like higher cashback, cheque book access, and insurance that stretches wider.

How to Open a Kotak811 Digital Zero Balance Savings Account

You can complete the process of zero balance account opening online in just a few minutes through the Kotak811 App, or through our website.

STEP1
Enter basic details
your mobile number, email ID, and PIN code
STEP2
Verify and complete VKYC
Authenticate with Aadhaar and PAN, followed by VKYC
STEP3
Fund your account
Deposit the initially-required ₹2,000 for the Zero Balance Account, or ₹10,000 for the 811 Super Account.

Why is this process simple?

100% online — no paperwork, no branch visits.
Video KYC ensures compliance without delays.
Initial funding amount is yours to use freely after activation; there is no ongoing minimum balance requirement.

Eligibility & Requirements

To open a Kotak811 Zero Balance Savings Account, you must:

Be an Indian resident aged 18 years or above.
Have a valid Aadhaar card and PAN card.
Ensure your Aadhaar is linked to your mobile number for OTP verification.
Use a smartphone with a working camera and internet access for video KYC.

Documents required

Aadhaar Card (linked to your mobile)
PAN Card

Balance Requirement & Charges

Minimum balance: Nil (true zero balance account).
Initial funding: ₹2,000 for Zero Balance Account; ₹10,000 for 811 Super Account.
Account opening: Free of cost.
Annual program fees: Nil (Zero Balance); ₹399 (811 Super Account).
Cheque book: ₹5/leaf (Zero Balance); 1 free book/year (811 Super Account).
Physical debit card charges: VISA Classic: ₹399 (Zero Balance); VISA Platinum: Free (811 Super Account).

Account Features & Limits

Fund transfers: Free via NEFT, RTGS, IMPS, and UPI
Virtual debit card: Free for Zero Balance Savings Account and 811 Super Savings Account
ATM withdrawals: ₹25,000/day (Zero Balance); ₹1 lakh/day (811 Super Account).
Cash transaction limit: ₹10,000 or 1 transaction/month (Zero Balance); ₹2 lakh or 4/month (Super Account).
Insurance cover:

Personal accident: Up to ₹2 lakh (Zero Balance); up to ₹15 lakh (811 Super Account).
Air accident: Not applicable (Zero Balance); up to ₹50 lakh (811 Super Account).
Purchase protection: Up to ₹50,000 (Zero Balance); up to ₹1 lakh (811 Super Account).
Lost card liability: Up to ₹2.5 lakh (Zero Balance); up to ₹3.5 lakh (811 Super Account).

Explore 100+ banking features with the new Kotak811 App

Customer Testimonials

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

Subramanian S

Investment Banker

"Kotak811 Savings account is safe and is easy to use"

Prashant Kothari

Finance Assistant

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

Meena Tambe

Advertising Professional

Top Features of Kotak811 Savings A/c

Zero balance maintenance

There is no minimum balance commitment for a Kotak811 A/c. So, you can spend without worrying about penalties

Open account with just Aadhaar & PAN

Open an online zero balance account from anywhere with PAN & Aadhaar

Easy account opening process

Open your account digitally from anywhere using the digital account opening process. Then complete the KYC process via Video KYC

FAQs

What is a zero balance savings account?

The zero balance savings account is an online savings account that allows you to manage your finances digitally through internet and mobile banking platforms, providing convenience and ease of access

What are the benefits of zero balance savings account?

The benefit includes up to 5.75% interest with ActivMoney, Lightening fast UPI payments, Easy bill payments, Virtual debit card for shopping 24x7 access to your account

Who can open a zero balance account?

An Indian citizen over 18 years of age.

How to open a zero balance account without a PAN card?

You will need a valid PAN and Aadhaar Card to open zero balance savings account online.

How to use the zero balance savings account online?

Just log in to your account using your 6 pin authentication and you can use your account online.

Do I have to deposit ₹2,000 while A/c opening process?

₹2,000 deposit is required to open your a/c. To enjoy 5% cashback on your Debit Card spends you can opt for 811 Super Savings A/c by adding ₹10,000 during a/c opening process. You can use this amount to save or spend as you like as there is no minimum balance requirement in Kotak811 Savings A/c.