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 Rs.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
Rs.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 Kotak811 A/cAsk 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 811 Edge account if you meet all of the below requirements:
- You are 18 years of age or above
- You have a valid Aadhaar & PAN card
- You are resident of India with an Indian address
- You have not been an old customer or are an existing customer of Kotak Mahindra Bank
- 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 811 Edge Savings Account holder.