Open Online Zero Balance Savings Account Using Video KYC

Start your path to financial convenience and growth with a Kotak811 Zero Balance Digital Savings Account. Let's explore the key documents you need for a smooth and secure account opening with video KYC.

Zero Balance Savings Account Video KYC Features

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    Complete Online Documentation

    Enjoy paperless account opening journey with 811 video KYC

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    No Need Of Physical Interaction

    No need of Physical Interaction

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    Activation In 6 hours

    Activate your 811 account in 6 hours with Video KYC

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    Account With Zero Restrictions

    No restrictions on deposit, account balances or spends on the account opened

Checklist before you opt for Video KYC

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Your Aadhaar No. / Virtual ID
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Your PAN card
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Your mobile phone
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A white sheet and a black pen
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A well lit room
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A plain wall behind you
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To be physically in India

*Your account will be fully operational, subject to the successful completion of the Video KYC process and due diligence verification completed by the Bank.

Testimonials

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Was facing login problems, but after the update now it’s working fine. No need to visit any branch anymore.

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Kotak Bank instant savings account is safe and is easy to use.

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The interface is friendly & organized. Doesn’t crash, a good app.

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

Want to know more on Video KYC?

811 Digital Savings Account Video KYC - Features

 

Get an 811 digital bank account now and complete your KYC journey from home over video with a Banking Officer in just a few simple steps. This process is available for Indian residents who are present in India during the process. Currently, new users can utilize this facility to open a Kotak 811 Zero Balance Digital Saving Account. The account created through the video KYC process is a full KYC account with no...

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811 Digital Savings Account Video KYC - Features

 

Get an 811 digital bank account now and complete your KYC journey from home over video with a Banking Officer in just a few simple steps. This process is available for Indian residents who are present in India during the process. Currently, new users can utilize this facility to open a Kotak 811 Zero Balance Digital Saving Account. The account created through the video KYC process is a full KYC account with no limitations on deposits and spending.

 

Open online 811 Zero Balance Digital Savings Account using Video KYC (V-KYC) : Introduction

 

Digital transformation is the new pathway for delivering banking convenience, and Kotak 811 has been at the forefront of embracing digital technology in its products and processes, aiming to provide a seamless customer onboarding experience and engagement. The bank has introduced a video KYC process as an alternative and simpler method for verifying a customer's identity during the onboarding process. Customers can now open a bank account by verifying their identity through the video KYC process.

 

Our Online Zero Balance Saving Account opening, utilizing Video KYC for Customer Identification Process (V-CIP), offers a 100% paperless, digitally enabled, self-assisted online account opening journey for our customers. You can initiate the video KYC account opening process through the Kotak 811 website using a mobile phone, iPad, laptop, or personal computer. Kotak 811's video KYC process utilizes Aadhar-based OTP authentication for customer verification.

How to Open an 811 Zero Balance Savings Account Through Video KYC?

 

Video KYC enables you to open a full KYC 811 zero balance savings account instantly. After entering your details, you will have the option to engage in a video call with one of our bank executives to complete your KYC process. This video call eliminates the need to visit a branch to complete your KYC.

 

Here are the steps to follow:

 

Step 1: Fill out an online 811 zero balance digital savings account opening form.

Step 2: Provide consent to the bank to access your Aadhaar details and enter your PAN number. Then, upload your photograph.

Step 3: Click on a link to initiate the video KYC process.

Step 4: Grant the bank access to your mobile phone's location, camera, and microphone.

Step 5: Join a video call with a bank representative.

Step 6: Present your original PAN card and Aadhaar card for verification during the call.

Step 7: The bank representative will capture your photograph during the call.

Step 8: Your KYC will undergo further validation, and you will receive a notification once your KYC is completed, and your account is opened.

 

Here’s a Checklist Before You Opt for 811 Zero Balance Digital Savings Account Video KYC

 

  • Your Aadhaar No. / Virtual ID
  • Your PAN card
  • Your mobile phone
  • A white sheet and a black pen
  • A well lit room
  • A plain wall behind you
  • Uninterrupted data connectivity
  • To be physically in India
     

Your account will be fully operational upon successful completion of the Video KYC process and due diligence verification conducted by the Bank.

Existing Aadhaar based 811 OTP A/C holders can now complete their KYC through a video call by clicking here.

To know more about this facility and other details, kindly click here.

Frequently Asked Questions

Ask Kotak811

Video KYC enables you to open an 811 bank account instantly wherein, after entering your details, you will have the option to get on a video call with our bank executive to complete your KYC process. The video call will ensure you no longer need to visit the branch to complete your KYC.
 

In the Video KYC process, you have to fill up your details online. After you fill up all the required details, the bank agent will carry out basic checks through video interaction. The agent will guide you through the process. Just keep your original PAN card, a blank paper and a blue/black pen handy.You will get a full-fledged bank account after the Video KYC is done.
 

The end-to-end process of getting a full-fledged bank account can be carried out from the comfort of your home through an online zero-contact process. 
 

Yes. Aadhaar* number is required for video KYC. Your Aadhaar number will be verified through an OTP received on your registered mobile number. You don’t need to carry your physical Aadhaar Card during the Video KYC process. 
In case you do not want to submit your Aadhaar details please click link and open a Kotak 811 Lite A/c.
* Submission of Aadhaar is voluntary
 

Video KYC is only applicable to new Kotak customers. Existing Kotak 811 customers can click on this link to book their full KYC appointment or walk into the nearest bank branch with the necessary documents.  

Thank you for your interest. However, currently, the video KYC process is only available for new customers opening a Kotak 811 account. Click on this link to book their full KYC appointment or walk into the nearest bank branch with the necessary documents.  
 

There is no minimum pixel requirement. However, the video KYC process needs to be clear so that the customer executive can verify the documents and take a clear live photo. 
 

Video KYC can be done through the video KYC link that opens in a web browser. Make sure that you are using the Google Chrome browser to carry out the video KYC process. There is no requirement for any video calling applications such as Whatsapp or Google Duo. 
 

Since video KYC is carried out through the web browser, Whatsapp/Skype is not required. 
 

Video KYC can be done on Google Chrome. If you are using other browsers like Internet Explorer, Opera Mini etc., then open the video KYC link on Google Chrome.
 

Providing location access will help us in ascertaining your location. According to RBI guidelines, you need to be in India to carry out the video KYC. This is for verification purpose only and will not be shared with any one.  

Since it is a video verification process, the consent to use the camera and microphone is needed to proceed with the video KYC process. This is for verification purpose only and will not be shared with any one.
 

You can open a Kotak 811 OTP/ Limited KYC Account or 811 Lite Account. Later, our bank representative will reach out to you to help you complete the full KYC process. You can also visit your nearest branch to complete the process.
 

You can request for a Video KYC on all days between 8AM to 11PM, including Saturdays & Sundays and also bank holidays.
 

You need to grant location access to proceed with the video KYC. Follow these steps if you have blocked the location access by mistake:  

Yes, you can. You can add a new communication address in the account opening journey. After adding the new communication address, you can self-verify the address by ticking the self-verification box. There is no need to provide proof of the current address.  
 

Video KYC can be rejected due to various reasons such as low video quality etc. You can try again or open a regular Kotak 811 account and the full KYC can be completed by booking an appointment.    
 

Yes, you can. You can open a Kotak 811 Account through the online account opening journey and book an appointment or visit your nearest branch to complete the full KYC procedure . Click here to open an 811 account. 
 

We apologize for the inconvenience. Video KYC service is available on all days between 8AM to 11PM, including Saturdays & Sundays, and also bank holidays. If you reached us on a working day within the mentioned hours, it is possible that your request could not be handled due to heavy traffic on our platform. 
 

No, you don't need to book an appointment for Video KYC. You can request for a Video KYC on all days between 8AM to 11PM, including Saturdays & Sundays, and also bank holidays
 

According to the Reserve Bank of India guidelines, you need to be in India to carry out the video KYC process. 
 

Please ensure that you have uninterrupted data connectivity when you are going through the Video KYC process. Please make sure that you have a blank white paper with black/blue pen available during the Video KYC process to provide your signature. 
 

Here are some of the things that you should keep in mind before starting the video call for KYC: 
 

No, you need to carry the entire journey in one go. 
 

After the video KYC process is completed, you will get your account details on your registered email id and mobile number within 8 hours. 
 

There is no requirement to show your current address proof. You can enter your communication address during the 811 account opening process.
 

In case the Video KYC process could not be completed, you can restart the video KYC process or if your account is open, you will receive a communication from the bank. 

Once the account is opened through the Video KYC process, there are no limitations on transactions on the account 
 

You can set your MPIN after completing your Video KYC process. You will get your account details in a few hours on your registered email ID and mobile number. You can then follow these steps to set your MPIN after downloading the Kotak 811 Mobile Banking App  
 

You can request for a physical Debit Card after your Video KYC process has been completed. You will get your account details in a few hours on your registered email ID and mobile number. You can then follow these steps to request for a physical debit card: Log-in to the Kotak Mobile Banking App 
 

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