Kotak811 is a new age bank savings account offered by Kotak Mahindra Bank. You can open a Kotak811 savings account by downloading the Kotak Mobile Banking app and registering using your Aadhaar number, PAN and other basic details. You can set up a mobile banking PIN and start using your account immediately.

Kotak 811 pays interest of up to 4%* p.a. with zero minimum balance requirement. It allows you to make online money transfers for free (IMPS, NEFT and RTGS) and comes with a Virtual Visa Debit Card which you can use to shop online as well as pay via Scan and pay at merchant outlets.

Just visit the playstore from your Android phone and download the Kotak Mobile banking App. Once installed, click on 'Get started Now' to start the New Account opening journey.

You need to be more than 18 years of age, and a resident of India with an Indian address to be eligible to apply for a Kotak 811 savings account.

Once your bank account is opened, you can just login to our Mobile Banking App and start using it. It is packed with features like shopping, paying bills, booking movie tickets, booking air or train or bus tickets, or doing funds transfers in a snap, Kotak 811 savings account brings you convenience at your fingertips.

You can deposit money into your 811 savings account via a payment gateway using your Debit Card or Net Banking or just do funds transfer from your another account through NEFT or IMPS. You can also do a cash deposit in this savings account by visiting the nearest Kotak Mahindra Bank branch.

The maximum amount you can keep in this account at any given point of time is Rs. 1Lakh. You can credit a maximum of Rs. 2Lakhs in this account and post which you will need to convert to Full KYC account.

You can fix up an appointment with our bank representative and convert your account to Full KYC Account. Full KYC requires in-person verification and your account will be converted to Full KYC within minutes.

Kotak 811 brings you a Virtual Debit Card inside your Mobile Banking App. You can use it to shop online, pay bills, do recharges or use 'Scan & pay' to pay across lakhs of merchants across the country. If you need to check your card details - card number, expiry date and cvv - it's easy, just log in to your Mobile Banking app after opening your Kotak 811 account.

Yes, you can. You can request one once your Kotak 811 savings account is opened. You can select the option to receive physical Debit Card in the account opening journey. You can also request one at a later date, via our Mobile Banking app. (Physical Debit card will be charged at Rs. 299 p.a.)

Kotak 811 Edge is a savings account which brings you the benefits of an 811 Digital Savings Account combined with the benefits of an Edge savings account like -

• Average Monthly Balance (AMB) of Rs. 10,000/-
• Free Online transfers (NEFT, RTGS, IMPS) - To help you Go Cashless! and many more

Not registered your mobile number with your Aadhaar number? Or haven’t received an OTP?

Our customer executive will ask you to verify your credentials by checking your fingerprints on a biometric device. We'll need just a couple more details from you, and your final consent to release your details through biometric authentication Once this has been done, your account will be upgraded to a full KYC account.

We aim to keep our process paper-free by using fingerprint-based authentication, and we don't really require you to show us any documents.

Unfortunately, the Kotak 811 account is intended for a single user only, and cannot be held jointly.

The security of your personal information and your online banking transactions are of utmost importance to Kotak Mahindra Bank. We maintain strict security standards, including Internal Systems Encryption and Firewalls, to prevent unauthorized access to your information.

Unfortunately, we need your PAN to open your 811 account. If you don't have one, please visit Kotak811.com to open your kotak 811 Edge account and one of our customer executives will contact you. Since you don't have a PAN, you will need to fill Form 60 and submit it with your application.

Unfortunately, we need your Aadhaar number to open your 811 account via our app.  If you don't have one, please visit www.apply.kotak.com to open your Kotak 811 Edge Savings account and one of our customer executives will contact you.