Get the Edge you’ve always wanted
811 Edge Savings Account
Upgrade to an Edge account using Aadhaar and PAN card. Unlock exclusive Edge benefits.
Upgrade and use digitally
Unlock a Platinum debit card
Enjoy premium benefits
Get big interest rates
₹ 10,000 in,big goodies out
- Upgrade to an Edge account through your phone with zero paperwork.
- Just maintain an average monthly balance of ₹10,000 in your Edge a/c to enjoy exclusive Edge benefits.
An Edge over everything
Make truly unlimited IMPS, NEFT, RTGS transactions for free. Get 25 cheque leaves free, per quarter, on request.
savings upto
?1,400/year
Perk-loaded, Platinum debit card
Brace yourself for exclusive Edge perks with the Platinum Debit Card. Fuel surcharge waivers, access to 900+ VIP airport lounges, and much more.
An app that gives you full control
Download the Kotak811 & Mobile Banking app on your phone to access your zero balance account in a jiffy.
Download the App
Benefits that come with no expiry date
Enjoy a lifetime validity on your Edge account.
Make life easier. Get your 811.
Open Edge AccountAsk Kotak811
Frequently Asked Questions
Kotak Bank’s 811 Edge is a full service digital banking ecosystem on mobile that has been designed around the idea of simplicity and ease of use.
Customers can earn up to 4%* p.a. on their savings account balances.
811 Edge offers a completely digital and paperless account opening experience by maintaining an average monthly balance of Rs. 10,000!
Instant savings account opening with Aadhaar details
Average Monthly Balance (AMB) of Rs. 10,000/-
Earn up to 4%* interest p.a. on your saving account balance
Free Online transfers (NEFT, RTGS, IMPS) - To help you Go Cashless!
Get Platinum Chip Debit Card for only Rs. 199/-Per annum.
You are eligible for a Kotak811 Edge account if you meet all of the below requirements:
1) You are 18 years of age or above
2) You have a valid Aadhar & PAN card
3) You are resident of India with an Indian address
4) You have not been an old customer or are an existing customer of Kotak Mahindra Bank
Open bank account online with the new Video KYC zero contact process
Submission of Aadhaar is completely voluntary.
Average Monthly Balance (AMB) - Rs 10,000
Non-maintenance Charges - 6% of the shortfall in required AMB per month
Fund Transfers - NEFT / RTGS / IMPS (Through Net-banking / Mobile Banking)# Free
For NEFT: Up to 10000: 2; 10001 to 100000:4; 100001 to 200000:14; >200000:24.
For RTGS: 200001 to 500000:20; >500000:40
Yes, you must maintain an Average Monthly Balance (AMB) of Rs. 10,000/- as a Kotak811 Edge Savings Account holder.