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811 Savings Account for Everyone
Kotak 811 is a zero balance digital bank account available to everyone (Resident Indian individuals only). Kotak 811 lets you choose between a zero balance account or an 811 Edge savings account based on your needs, which acts as a one stop solution for all your financial needs and day to-day transactions. The Kotak 811 account helps you save as well as grow your money with its varied investment offerings. The account also lets you transfer funds, pay bills and do more easily.
Explore 811 Variants
A Savings Account with 4%* interest p.a. and other reasons to love Kotak 811
Need help? Give us a call at 1860 2660 811 (local call charges apply) or check out our FAQs. FAQs
Paperless Savings Bank Account with Unlimited Features
Get the full-fledged award-winning 811 experience - with unlimited account validity and unrestricted deposits and spends. Just complete your Full KYC verification right from your home.
Important Features
- Minimum Balance: No charges or fine on non-maintenance of minimum balance. Now, spend your balance to the last rupee without any worry.
- Virtual Debit Card: Get a Virtual Debit Card instantly for online shopping
- Transfer Money: Transfer money online for free and with easy
- New Age Banking: Find all your banking solutions in one single touch. Get 180 + features that let you carry out your banking transactions, pay bills, invest, shop and do much more with just a few taps. The app is secure with two-factor authentication and has an easy interface.
- Kotak dream different credit card : No paperwork required. No Joining & Annual Fee. Get 2X reward points on online spends!
Customer speaks
"Thanks to the Kotak 811 app, I was able to transfer money to my sister, instantly. This made my Raksha Bandhan a little special" -Nirav (Finance Assistant, Mumbai).
Customer speaks
"For a young financial professional like me, Kotak 811 app gives me an opportunity to park my funds at 4% without any risk". - Prem (Investment Banker, Mumbai)
Customer speaks
"Kotak 811 app is fast and easy to access. I requested my cheque book through this app, and I received it in less than 7 days. I was highly impressed, and it made everything approachable and accessible". - Mohak (Advertising professional, Mumbai).
Kotak 811 is a digital zero balance savings account that you can open online. The online savings account opening process is seamless, zero-contact and barely takes a few minutes. Just keep your PAN card & Aadhaar number handy and complete a few steps to open the instant savings account from the comfort of your home or office.
Kotak 811 is a zero balance saving account. This means that you don’t have to pay any penalties for not maintaining a minimum balance. In fact, you don’t have to maintain an average balance. However, if you do maintain a balance, you can earn higher than average interest on your savings and explore Fixed Deposits and other investment offers with us.
Kotak 811 is one of the best online savings bank account in India. Your 811 savings bank account is protected by the latest technology and you can open a savings account without any worry.
So, what are you waiting for? Open an online savings account with Kotak 811 and start banking with the best bank for savings account in India.
*Disclaimer
Scan and Pay through your Kotak Mobile Banking App at select in-store outlets.
How to get 811 #DreamDifferent Credit Card
- Open an 811 account
- Book a Fixed Deposit of minimum ₹15,000
- Apply for Free Credit card
Enjoy the benefits of interest free cash withdrawals, rewards on all purchases, a credit limit of up to 80% of your fixed deposit amount and a free Credit Card for life – all with the Kotak 811 #DreamDifferent Credit Card.
811₹0/monthaverage monthly balanceYour zero balance account with basic features.
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811 Edge*₹10,000/monthaverage monthly balanceEnjoy the premium 811 experience with additional benefits.
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| Debit card type and fees | Classic (₹199 p.a.) | Platinum (₹150 p.a.) |
| Chequebook** | Chargeable | Free 25 leaves quarterly |
| Branch Transactions | 1 free transaction of upto Rs 10,000 per month (for both cash deposit & withdrawal** separately) | 4 free transactions upto ₹2lakhs per month |
| Home Banking | Not Available | Available @ ₹150/visit |
| ATM withdrawals | 5 Free monthly (Kotak Bank ATM & Other Domestic Bank ATMs^ each) | Free & Unlimited (Kotak Bank ATM) 5 Free monthly(Other Domestic Bank ATMs^) |
* You can choose to upgrade to 811 Edge at the time of in-person Full KYC verification |** On completing Full KYC
|^Maximum of 5 transactions @ nil charges (incl. financial & non-financial) in a month with a cap of Maximum 3 transactions @ nil charges in Top 6# Cities
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