Unstructured Supplementary Service Data (USSD)

1860 266 2666

(24 X 7)

Now access your bank account from your mobile phone even without an internet (GPRS) connection. Experience the benefits of banking on the move with USSD on any* mobile phone. Smart phones are not required.

*Service is available on select Telecom Service Providers and is not available on CDMA phones.

  1. Simply dial *99*68# code from your mobile number registered with the bank and access your bank account
  2. Know your account balance, last 5 transactions and MMID (Mobile Money Identifier)
  3. No need of GPRS (internet) facility on your phone
  4. Smart phones not required

Please Note

USSD works only on GSM mobile phones and is currently available with Aircel, Airtel, BSNL, Idea, MTNL, Quadrant, Reliance, Tata, Uninor, Vodafone & Videocon operators only. USSD banking service has been using the National Unified USSD platform (NUUP) developed by National Payments Corporation of India (NPCI). Kotak Bank does not charge any fees for this service. However, charges, as applicable, may be levied by telecom operators.


 

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What is USSD service?

USSD or Unstructured Supplementary Service Data means a real-time or instant session-based messaging service. National Unified USSD Platform (NUUP) is offered on a short code: *99#. The service allows every banking customer to access banking services with a single number across all banks - irrespective of the telecom service provider, mobile handset make or the region.

Why should I use USSD (*99*68#) service?

You can access details of your Kotak Mahindra Bank account with this number. GPRS (internet) facility and smart phones are not required for this.

How secure is the USSD (*99*68#) service?

USSD enables a more convenient and speedy way to transact using mobile phone while on the move. Security features implemented is explained below:

  • This service can only be used from the preferred mobile number registered with the bank
  • We are using NPCI's common USSD platform and connectivity between our bank & NPCI is over https which provides a secure network for communication
  • Connectivity from operator server to NPCI is over SSL which provides secure network for communication
  • Connectivity from handset to operator server is over GSM network, which is under GSM encryption

What are different requests I can avail by using USSD (*99*68#)?

You can avail following features:

Do I need to register with the bank in order to avail this service?

No, you do not have to register separately with the bank to avail USSD service. You can directly start using the service.

Will I be charged by the bank?

No, there is no bank charges (fees) involved for using this service. But you will be charged up to Rs 1.50 per session by the telecom service providers.

On what kind of mobile phone the service is available? Is my handset compatible?

The service works on all GSM based phones.

Who do I contact in case of any problems faced while using this service?

You can call our 24-hour Customer Contact Centre at 1860 266 2666.

Do I need to download any application to use this service?

You do not have to download any application to use this service. Just dial *99*68# from your GSM mobile device.

Is this service available on all the networks provided by Telecom Service Providers?

This service is currently available on Aircel, Airtel, BSNL, Idea, MTNL, Quadrant, Reliance, Tata, Uninor, Vodafone & Videocon


Check your account balance on the move

  • Dial *99*68*1#
  • Enter last 4 digits of your account number
  • You will get account balance of the desired account

Check your mini statement (last 5 Transactions)

  • Dial *99*68*2#
  • Enter last 4 digits of your account number
  • You will get last 5 transactions of your account

Check your MMID

  • Dial *99*68*6#
  • Enter last 4 digits of account number
  • Your MMID will be displayed on the screen
  • Just dial *99*68#
  • Select desired option from the menu
  • Enter last 4 digits of your account number
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