Mobile Banking

Welcome to the world of convenience banking on your mobile phone. Now, you can experience the benefits of online banking anywhere and anytime, without the need for a computer.
All this convenience comes to you in a secure and user friendly application for phones and tabs on the iOS, Blackberry and Android platforms.

Mobile Banking - Application

Download from app.kotak.com

  • Banking Services

    • Check balances of your savings & current accounts
    • View past transactions
    • View / open term deposits
    • Request for account statement, cheque book or Debit Card PIN
    • Transfer funds (own accounts, Kotak third party, NEFT, RTGS or IMPS)
    • Make payments without the need to register a beneficiary through One Time Payment
    • Make a NEFT / RTGS Fund transfer even after the cut-off timing
    • No need to remember IFSC for making a IMPS / NEFT fund transfer, directly select from a list of banks
  • Credit Card

    • View summary of your Credit Cards
    • Pay your Credit Card bills
    • View statements and unbilled transactions
    • Request for ATM PIN, report loss or damage of card
    • Balance Transfer
    • Convert transactions to EMIs
    • Request add-on cards
    • Setup auto debit for your credit card bill payments
  • Bill Pay and Recharge

    • Pay your bills
    • Make instant payments to your registered billers
    • Recharge your mobile/Data Card and DTH subscription
  • Investments

    • Purchase / Redeem Mutual Funds online
    • Keep a track of your investments
    • Get the latest NAV reports
    • Check status of your transaction requests
    • Cancel your transaction requests
  • My Kotak

    • Personalize your Home Page to get all the information of your choice in one place.
    • Choose to view certain information without logging in with MPIN (Mobile Banking PIN)
    • The personalization option is available for iOS, Android and Blackberry 10 users.
  • Service Requests

    • Request for bank account statement
    • Request for cheque book
    • Status enquiry of your cheque
    • Stop cheque request
    • Request for Debit Card PIN
    • Report loss of card
    • Switch primary account of your Debit Card
  • General

    • Change your MPIN
    • View your profile. iPad users can further personalise the app by choosing a picture of their choice for display on the app
    • List of frequent asked questions
    • Kotak Customer Contact Centre numbers and Email under Contact Us and a call can be made or a mail can be sent with a simple click / touch
    • Links to follow Kotak Mahindra bank on social media sites (Facebook, You Tube, twitter, etc.)
    • Get your transaction alerts through Push Notifications

 

To access Kotak Mobile Banking you need:

  • A smartphone, tablet or iPod with iOS (version 4.3 onwards), Android (version 2.2.3 onwards) or Blackberry (version 5.0 onwards) mobile operating system and any wireless data connection services (Wi Fi, 2G / 3G / 4G mobile data service)
  • Your Customer Relationship Number (i.e. CRN) with Kotak Mahindra Bank
  • Net Banking or Debit Card details

Expand All

Why should I use Mobile Banking?

Mobile Banking is a facility provided by Kotak Mahindra Bank to help you bank with us anytime, anywhere using your Smartphone / Tablets. The platform provides you the convenience of banking without visiting our branches / calling our Customer Contact Centre or accessing your PC.

What are the facilities offered on Mobile Banking?

With Kotak Mahindra Bank's Mobile Banking app, you can avail the following facilities:

Banking Services

  • Check balances of your Savings & Current Accounts
  • View past transactions
  • View / Open Term Deposit
  • Request for Account statement, Cheque Book or Debit Card PIN
  • Transfer funds (Own accounts, Kotak Third Party, NEFT, RTGS, IMPS)
  • Pay utility bills
  • Recharge your mobile and DTH
  • Make merchant payments using IMPS
  • Report loss of card
  • Switch primary account of your Debit Card
  • Stop Cheque

Credit Card

  • View summary of your Credit Cards
  • Make payments
  • View statements and unbilled transactions
  • Service requests  for ATM PIN, report loss or damage of Cards
  • Balance Transfer
  • Convert transactions to EMIs
  • Request add-on Cards
  • Setup Auto Debit

Profile

  • Change your MPIN (Mobile Banking PIN)
  • View your profile
  • Select different widgets for “My Kotak” section. My Kotak is a unique feature, where you can personalize your Home Page to get the information of your choice. You can choose from various widgets to display in your “My Kotak” section. You can also choose to view certain information without logging in with MPIN. The personalization option is available for iOS, Android and Blackberry 10 users. For other Blackberry devices, “My Kotak” will have widgets for Branch / ATM locator, Forex Rates, Term Deposit Rates, Market Data and One View.

BillPay

  • Pay your bills
  • Make instant payments to your registered billers
  • Recharge your mobile and DTH
  • Recharge your mobile / Data Card and DTH

Investments

  • Purchase / Redeem Mutual Funds
  • Keep a track of your investments
  • Get the latest NAV reports
  • Check status of your transaction requests
  • Cancel your transaction requests

When can I transfer funds?

You can transfer funds 24x7 and instantly through IMPS using IFSC and Account Number. You can also make NEFT / RTGS fund transfer 24x7. Requests received after the cut off timing will be executed in the NEFT / RTGS cycle of the next working day.

Can I add someone as a beneficiary or register a biller through Mobile Banking App?

No. Currently, you can’t add someone as a beneficiary or register a biller through Mobile Banking. However, you can add a beneficiary or a biller through Net Banking or Bank Branch or Customer Contact Center. All the added beneficiaries / billers will start reflecting in Mobile Banking, to which fund transfer / bill payment can be made using the App. However, you can use one-time payment facility to transfer funds to someone even without adding him as a beneficiary. You can also recharge your Mobile / Data Card and DTH without registering the biller.

Can I transfer funds to someone whom I have not added as a beneficiary?

Yes. Using one-time payment facility, you can transfer funds to someone even without adding him as a beneficiary. You can also recharge your Mobile / Data Card and DTH without registering the biller.

Do I need to remember the IFSC for making one-time fund transfer?

For your convenience, you can choose the IFSC of a few selected banks through the “Select Bank” link while making a NEFT / IMPS Fund Transfer.

What are push notifications and how to enable / disable this service?

Through push notifications, you can get your transaction alerts through your Mobile Banking App. You can access all the notifications of past two days through the “Notifications” widget in My Kotak. It is currently available for Android and iOS users.

If you are an Android user, you can enable / disable this service through the Settings section within the App itself.

If you are an iOS user, you can enable / disable this service through the Settings > Notification Center on your device.

Who can use Kotak Mobile Banking?

Kotak Mobile Banking is offered to the customers who either have a bank account or any other banking relationship. Customers having a Current / Savings Account, a Term Deposit or a Credit Card with access to Active Net Banking or having an Active Debit Card are eligible to be registered for Mobile Banking.

The access and transaction rights are as given below:

Account Categories and RelationshipAccess
Individual Accounts
Sole Ownership AccountView and Transact
Joint Account - Single Operating ModeView and Transact
Joint Account - Joint Operating ModeView
Minor Account - MinorNo access
Minor Account - GuardianView and Transact
Power of AttorneyView and Transact
Non-Individual Accounts*
Authorised Signatories - Single operating mode**View and Transact
Authorised Signatories - Conditional operating ModeView

* Company, Society, Trust, Association, Partnership, Sole Proprietorship, HUF
** Karta of an HUF and sole proprietor will get 'View' and 'Transact' access.

Will I be charged for accessing the service?

Mobile Banking is offered to our customers absolutely free. There are no charges levied by us for accessing this service. However standard data connection charges (GPRS or Wi-Fi) are applicable as levied by your service providers.

How do I access Kotak Mobile Banking?

Please download the Kotak Mobile Banking Application from app.kotak.com or go to respective application stores (Apple App Store or Google Play or Blackberry World).

Which technology / platform is being used to provide this service?

Kotak Mahindra Bank is providing its Mobile Banking App on GSM / CDMA platform.

Kotak Mahindra Bank is providing its Mobile Banking App for iOS (version 4.3 onwards), Android (version 2.2.3 onwards) and Blackberry (version 5.0 onwards) operating system. You can connect using any wireless data connection services (Wi Fi, 2G / 3G / 4G mobile data service).

To use the older version of Kotak Mobile Banking which works on Java enabled handsets, please click here

Is my handset compatible?

Kotak Mahindra Bank is providing its Mobile Banking application for:

  • iOS (version 4.3 onwards)
  • Android (version 2.2.3 onwards) mobile operating systems.
  • Blackberry (version 5.0 onwards)

You can connect using any wireless data connection services (Wi Fi, 2G / 3G / 4G mobile data service)

Can I access Kotak Mobile Banking service on my CDMA phone?

Kotak Mobile Banking Service will be available on both GSM and CDMA phones.

I have downloaded the application on my handset, now what do I do?

Please start the application and on the login page, click on "Generate MPIN". Enter your CRN (Customer Relationship Number) and choose either "Net banking" or "Debit Card". For the Net Banking option, you will need to enter your Net Banking Password and for the Debit Card option, you will need to enter the 16 digit Card number, Expiry Month & Year, Debit Card PIN and CVV (3 digit code on the back side of Debit Card present at signature box). After successful authentication you will receive your Activation Key on your registered mobile number (you can also click on the SMS icon put on the Activation Key page). To activate Mobile Banking on your handset, simply forward the whole SMS from your registered mobile number to 9971056767 / 5676788 or contact our 24 Hr Customer Contact Centre or visit your nearest Kotak Mahindra Bank branch.

Can more than one CRN be used on a single device?

No. Two CRNs cannot be registered on same device. In order to login to same device from different CRN, you need to de-register earlier CRN. Either uninstall the application and re-install it or call our 24-hour toll free Customer Contact Centre on 1800 102 6022 or contact the nearest branch for device deactivation for specific CRN.

My CRN got locked, what should I do?

Locking of CRN happens when customer enters incorrect MPIN consecutively 3 times. To unlock, please call our 24-hour toll free Customer Contact Centre on 1800 102 6022 or visit your nearest Kotak Mahindra Bank branch.

On my device, "Create MPIN" or "Forgot MPIN" feature got locked, what should I do?

Locking of "Create MPIN" or "Forgot MPIN" happens when, while authenticating, customer enters incorrect Net Banking or Debit Card credentials consecutively 3 times. To unlock, please call our 24-hour toll free Customer Contact Centre on 1800 102 6022 or visit your nearest Kotak Mahindra Bank branch.

I have forgotten my MPIN, what do I do?

You can use the Forgot MPIN feature on the application to generate a new MPIN

If I change my handset will I be able to access Kotak Mobile Banking again?

Yes, in case you change your handset, you would be required to install the application on your new handset and follow the procedure of registration as explained above. Once registered, you can access your accounts from your handset again. You can access your accounts from multiple handsets and / or tablets using the same CRN and MPIN. However, only one CRN can be registered from one handset.

How secure is Kotak Mobile Banking?

Our mobile banking platform uses secured HTTPS protocol for communication between the mobile client and the mobile server. Secure Hyper Text Transfer Protocol (HTTPS) uses HTTP, but, additionally activates Web server security, in the form of Secure Sockets Layer (SSL). This means that the communications between the client and the (host) Web server are encrypted. Thus, it is our endeavor to provide customers, a highly secured environment to conduct their business with us. Additionally, all application related information stored in device is encrypted.

Can I access Kotak Mobile Banking if I have not registered for Net Banking?

Yes, Mobile Banking is a separate channel from Net Banking channel.

What precautions do I need to take for accessing Mobile Banking?

Please note the following:

  • Please memorize your MPIN and do not write it anywhere. Please don't disclose your MPIN to anyone, including Kotak Mahindra Bank staff
  • Please change your MPIN at regular intervals
  • Please don't use obvious MPINs (like mobile or landline number, date of birth, etc.)

What is the difference among SMS Banking, USSD Banking (NUUP) and Mobile Banking?

SMS Banking is offered as a convenience banking service where you can receive information based on SMS requests you place in a specified format. This service can be accessed by any customer having a registered mobile number with Kotak Mahindra Bank.

Mobile Banking is an advanced service that Kotak Mahindra Bank is offering to customers who have access to a Smartphone or a Tablet for downloading the application. Using Mobile Banking you can perform many more transactions in a secure and convenient way as compared to SMS Banking. These include facilities like fund transfers and investments in Mutual Funds.

USSD Banking is an interactive menu based service where information required can be gained through a real time session. Information flows to and fro in a real time session thereby providing the user with the information output required. Banking services can be availed on any kind of mobile phones on GSM network only. Balance enquiry & IMPS fund transfer features are presently available on USSD Banking.

What is Wi Fi?

Wi Fi is wireless networking technology that uses radio waves to provide wireless high-speed Internet and network connections.

I have been using Kotak Mahindra Bank's earlier JAVA based Mobile Banking application. Can I now use the new version?

No, you cannot use Java based mobile to install the new Mobile Banking App. The new App is compatible only with iOS (version 4.30 onwards), Android (version 2.2.3 onwards) and Blackberry (version 5.0 onwards) operating systems. You can access the application from multiple handsets and / or tablets using the same CRN and MPIN.


  • Kotak Mobile banking platform uses secured Https protocol for communication between the mobile client and the mobile server. Protected by the most stringent security systems, Kotak Mobile Banking allows you to transact over a completely secure medium.

Please Note

If you want to access the older java based version of Kotak Mahindra Mobile Banking, click here.

  • Once the application is downloaded and installed, you will have to first generate the MPIN by clicking on “Create MPIN”
  • You will have to enter your CRN (Customer Relationship Number) and choose either “Net Banking” or “Debit Card” for authentication. For the Net Banking option, you will need to enter your Net Banking Password and for the Debit Card option, you will need to enter the 16 digit card number, Expiry Month & Year, Debit Card PIN and CVV (3 digit code on the back side of debit card present at signature box)
  • Post successful validation, you can generate your 6 digit MPIN. After this, you will be able to view the Activation Key on your handset. You need to register the Activation Key generated for the handset by sending a SMS from your registered mobile number to 9971056767 or to 5676788 in the given format
  • K ACTMB ABCD XXXXXX (where ABCD are the last 4 digits of your CRN and XXXXXX is the Activation Key)
  • You would receive an SMS and an email post successful activation, post which you can login to the app using the MPIN generated by you
  • Same can also be done by calling our 24-hour toll free Customer Contact Centre on 1800 102 6022 or contact the nearest branch with Activation Key
  • Please note that you can register your CRN on multiple devices for accessing Kotak Mahindra Mobile Banking Application, using the same MPIN. However on one device, at a time, only one CRN can be registered

You can download the application in two different ways:

  1. Download from app.kotak.com. Type the url on your mobile browser and the page will provide link to download suitable version as per your device
  2. You can directly go to respective application store (Apple App Store, Google Play or Blackberry World) and download the application
  3. Please Note: If you want to access the older java based version of Kotak Mahindra Mobile Banking, click here
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