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Up to 6%* interest p.a.

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Zero Balance account

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Open an account in 5 minutes

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Virtual Debit Card

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Scan & Pay

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Shop. Travel. Entertainment.

*Earn up to 6% p.a. interest on savings account balance over ₹1 lakh and up to ₹1 crore. Earn 5% p.a. interest on savings account balance up to ₹1 lakh and 5.5% p.a. interest on savings account balance above ₹1 crore. Applicable for Resident Accounts only. Interest rates are subject to change from time to time. Please visit www.kotak.com for the latest information on interest rates.

Reach for your mobile and install the app. Feed in your Aadhaar and PAN details. A few more simple steps and you are done. Quick, isn't it?

Earn 6%* interest per annum on the balance maintained. Don't want to? No problem. There are no charges for not maintaining a minimum balance.

*Earn 6% p.a. interest on savings account balance over ₹1 lakh and up to ₹1 crore. Earn 5% p.a. interest on savings account balance up to ₹1 lakh and 5.5% p.a. interest on savings account balance above ₹1 crore. Applicable for Resident Accounts only. Interest rates are subject to change from time to time. Please visit www.kotak.com for the latest information on interest rates.

The card is no more plastic with 811. It's a Virtual Debit Card, shrunk to fit in your mobile. Shop, pay bills or recharge mobile / DTH, online in few taps.

No need to scrabble for cash and change or hand-over your card to make payments. Just Scan & Pay for your shopping, cab, groceries, home deliveries and more.

Free yourself from having multiple apps. Shop, book movie tickets, book travel tickets, subscribe to magazines and do lot more with it.

Kotak Mobile Banking App uses two factor authentication i.e. two types of credentials for authentication and is designed to provide an additional layer of validation, minimizing security breaches thus making the app safe.