100% Digital. Unlimited Benefits.

811 Zero Balance Digital Savings Account

Get your zero-balance digital savings account on your phone using a valid Aadhaar and PAN card - it's that simple!
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    Open zero balance digital savings account and use for free, digitally

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    Control your zero balance digital savings account from your phone

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    Shop & pay with a no-fee virtual debit card

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    Enjoy up to 7%* interest rate p.a. with ActivMoney

Less about paper, more about benefits

Complete your Full KYC with zero paperwork, open zero balance savings account, and unlock limit-free benefits with Kotak811.

Complete your Full KYC with zero paperwork

No charges, all the way

Spend as you like with the freedom of your zero balance savings account, free of annual charges* or fines for non maintenance of a minimum balance.

*Charges applicable only on the order of a physical debit card

Easy shopping with zero balance Kotak811 savings account

One, ultimate, powerful app

Download the Kotak811 Mobile Banking App to access your zero balance digital savings account at the tap of a finger.

Download the App

Ready virtual debit card

  • Free of cost
  • Absolutely digital
  • Perfect for online payments

Great interests and earnings

Make money as you save up to 7%* interest p.a. on your zero balance savings account with ActivMoney.

Great interests and earnings on 811 digital savings account

Make life easier. Get your 811.

Download Kotak811 App

811 Zero Balance Digital Savings Account

Say goodbye to low interest!


Get up to 7%* interest p.a. in your Zero Balance Digital Savings Account with ActivMoney! Simply get started by opening your account digitally in just 3 minutes and signing up for ActivMoney. The future of digital banking is here, so what are you waiting for?


Open your Kotak811 Zero Balance Digital Savings Account today.

Features & Benefits of 811 Zero Balance Digital Savings Account

Open a bank account online for free with Kotak811 and get access to the robust features of our 811 Digital Savings Account. Here are the key features:

No charges on non-maintenance of balances

Enjoy the freedom of banking with our 811 Zero Balance Digital Savings Account without worrying about penalties for not maintaining a minimum balance.

Paperless & instant savings account opening

Open your account easily and instantly with minimum paperwork, making the digital account opening process hassle-free and convenient.

FD-like Interest Rate

Benefit from competitive interest rates on your Digital Savings Account, allowing your savings to grow faster. Also, get up to 7%* interest p.a. with ActivMoney

Anytime banking

Access your account and perform transactions at any time, providing you the flexibility and convenience to manage your finances on your schedule.

Internet and Mobile Banking facilities

Experience the ease of managing your account through our secure internet and mobile banking platforms, allowing you to bank anytime and anywhere.

Virtual Debit Card for bill payments and online shopping

Enjoy the convenience of a virtual debit card that enables you to pay bills and shop online securely, adding more convenience to your banking experience.

Kotak811 Zero Balance Digital Savings Account is for Everyone


Now you can open a zero balance account using your Aadhaar and PAN Card along with other details.


Kotak811 is a zero balance savings account that can be opened online by everyone (Resident Indian individuals above the age of 18 only).


Whether at work, at home or on vacation you can open an 811  account instantly, without ever stepping out.


Kotak811 is a zero balance savings this means that you don’t have to pay any penalties for not maintaining a minimum balance. So, what are you waiting for? Open a zero balance savings account online with Kotak811 and start banking with one of the best digital bank accounts.

5 Things You Should Know About Zero Balance Digital Savings Account


There are no minimum balance commitments in a zero balance savings account. So, you can spend even the last rupee in your account without worrying about penalties.


You can open a digital zero balance account online from the comfort of your home. All you need is your PAN and Aadhaar number.


Earn the prevailing interest on your zero balance savings account deposits.


With your zero balance account, enjoy facilities such as debit cards, cheque books, internet banking and mobile banking.


Open a zero balance savings account instantly through Aadhaar OTP verification. Then complete the full KYC process of your account through in-person verification within 180 days from account opening by visiting your nearest bank branch or booking an appointment.


Ask Kotak811

Frequently Asked Questions

You are eligible for 811 digital savings account if you meet all of the below requirements:

  1. You are 18 years of age or above
  2. You have a valid Aadhaar and PAN card
  3. You are a resident of India with an Indian address
  4. You have not been an old customer or are an existing customer of Kotak Mahindra Bank

To open digital savings account, click here.

Submission of Aadhaar is completely voluntary.

Aadhaar card is mandatory to open a 811 digital savings account

PAN card is mandatory to open a 811 digital savings account. But don't worry if you don't have one. You can apply for your PAN card here, and we'll patiently await your return.

There are four types of savings accounts under Kotak811:

  • Kotak811 Full KYC
  • Kotak811 Edge
  • Kotak811 Limited
  • Kotak811 Lite

811 digital 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.

To open a Kotak811 digital savings account-

  • Download the Kotak811 App
  • Fill in the required details
  • Complete the KYC process, and your account will be opened instantly.

The benefits of 811 digital savings account include-

  • 7%* interest with ActivMoney
  • Quick online transactions
  • Easy bill payments
  • Virtual debit card for shopping
  • 24x7 access to your account

Yes, a PAN card is mandatory for opening a digital savings account as it is required for identification as per regulatory guidelines.

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

Video KYC is only applicable to new Kotak customers. Existing Kotak811 customers can click on this link to book their full KYC appointment or walk into the nearest bank branch with the necessary documents.

An instant bank account, like Kotak811, is activated instantly after completing the necessary steps and verification, allowing you immediate access to your account.

Adding a nominee to your account is the smart thing to do. In the unfortunate event of an accident or untimely death, the funds in your account will be transferred to your nominee quickly and easily.

For a 811 digital savings account, the average balance requirement is Rs.0.

To apply for a cheque book, you can use your mobile banking services. Look for the option to request a cheque book and follow the instructions provided.

Yes! Kotak811 Zero Balance Savings Accounts can be opened in under 3 minutes completely online.

No, video KYC is not mandatory to open a digital savings account with us. We just need a few documents from your end and we will open the account instantly.  

Interest on savings bank accounts is generally calculated on a daily or monthly basis and credited to the account on a quarterly or half-yearly basis.

As a Kotak811 Limited KYC customer, you can make a daily withdrawal of up to Rs. 25,000 through ATM.

An Indian citizen over 18 years of age.

You will need a valid PAN and Aadhaar Card to open a Zero Balance Savings Account.

It’s an instant opening after KYC. Account related activities can be tracked in real time on the Kotak811 Mobile Banking App.

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

You can get up to 7% interest on your savings with ActivMoney.

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