Open Online Zero Balance Savings Account
in 5 minutes

Top Features of Kotak811 Zero Balance Account
No Maintenance Fees
Up to 4% interest per annum
Lifetime Free Credit Card
Get a Virtual Debit Card instantly

Explore 811

811 Digital Savings Account is for everyone

Are you looking to open a zero balance account online? Now, open a digital savings account using Aadhaar and PAN Card along with other details.

Kotak811 is a digital zero balance savings account that can be opened online by everyone (Resident Indian individuals only). Kotak811 Digital Savings Account lets you apply for a Zero Balance Savings Account online or an 811 Edge Digital Savings Account based on your needs.

Explore 811 Variants

Apply for Zero Balance Savings account and grow your money with up to 4% interest p.a. The digital savings account helps with regular banking activities like transferring funds, paying bills and more.

Open Zero Balance Account Online

Zero Balance Savings account up to 4%* interest p.a. along with other benefits.

Need help? Give us a call at 1860 2660 811 (local call charges apply) or check out our FAQs & Kotak 811 Zero Balance Account Terms and Condition

Virtual Debit Card

Get your card number instantly with a Virtual Debit Card & start transacting & paying online.

No Maintenance Fees

Don’t worry about maintaining a minimum account balance.Your 811 account has zero charges for non-maintenance of balance.

Get Interest On Your Balance

Avail up to 4%* interest per annum on your account balance.

Scan And Pay^

Why use cash or cards when you can scan and pay for your bills & purchases?

Award Winning Services

Experience Kotak 811 and know why it has received awards and accolades in the world of banking.

Enjoy unlimited banking with zero paperwork

Benefits of Zero Balance Account

Get the full-fledged Kotak811 digital banking experience - with unlimited account validity and unrestricted deposits and spends. Complete the Video KYC verification of your Zero Balance Account right from your home.

Zero Balance Account

Features of Zero Balance Account

  1. Minimum Balance: As it is a zero balance account, there are no charges on non - maintenance of minimum balance. Spend your balance to the last rupee without any worry.
  2. Virtual Debit Card: Get a Virtual Debit Card instantly for online shopping and digital payments.
  3. Transfer Money: Transfer money online for free and with ease from your Kotak811 zero balance account.
  4. New Age Banking: 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.
  5. Open a digital bank account online without any restrictions: Complete your verification through Video KYC and open a zero balance account without any restrictions.
  6. Kotak811 #DreamDifferent Credit Card: Apply for Zero Balance Account and you can instantly get a #DreamDifferent Credit Card without paying any joining & annual fees.

Advantages of Full KYC Verification

How to apply Credit card during 811 account opening?

Getting a credit card is now easier and quicker. Apply for your card online without any documentation while we setup your 811 savings account.

During 811 account opening journey, give consent to check your CIBIL score and continue your account opening journey and we will check your eligibility for the card.

Basis eligibility, on the Thank you page, you can complete the credit card application by submitting your employment details.

Don’t have a CIBIL history or Low CIBIL score?

Don’t worry, you can still get a Kotak 811#DreamDifferent credit card which is a card against Fixed deposit. You can open this account online without income proof or salary slip.

You can complete your credit card application online without any documentation. This card is against fixed deposit and you get 90% credit limit.

Why go for Credit card against fixed deposit? Get this card and use it at regular frequency and pay your dues on time. It helps you to build your CIBIL score and improve your CIBIL score. Good CIBIL score helps you get Unsecured credit card and Loans.

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.


Issuance of credit cards is at the sole discretion of Kotak Mahindra Bank Limited. All features and benefits are subject to Credit Card Terms and Conditions. Please read the Credit Card terms and conditions carefully provided on the bank website

Kotak Bank Registered Address: 27BKC, C 27, G Block, Bandra Kurla Complex, Bandra(East), Mumbai, Maharashtra, 400051

Join the 811 club today


No hidden charges, takes only 5 minutes.


Explore Zero Balance Account Opening Online with Kotak811

Whether you are at work, home or vacation your Kotak811 Digital Savings Account is always with you.

We hope you are aware of Kotak811 zero balance online account opening process. Apply for one of the best digital bank account online. You can open an 811 Digital Savings Account in an instant, without ever stepping out of your home.

Kotak811 is a zero balance savings account. This means that you don’t have to pay any penalties for not maintaining a minimum balance. So, what are you waiting for? Open zero balance savings account online with Kotak811 and start banking with one of the best digital bank account.

Kotak811 is a digital zero balance account that you can open online. The account opening process is seamless, and barely takes a few minutes. Just keep your PAN & Aadhaar number handy to open the online savings account from the comfort of your home or office.

Online Bank Account Opening with Zero Balance


Providing Aadhaar is voluntary.

Scan and Pay through your Kotak Mobile Banking App at select in-store outlets.

Top 5 features of Kotak811 digital savings account:

  1. No need to maintain minimum balance in your account

  2. Get up to 4%* interest per annum on your account balance

  3. Free Virtual Debit Card and Lifetime free Credit Card (subject to eligibility)

  4. Free digital transactions like NEFT, IMPS, UPI, Pay Your Contact, Scan & Pay

  5. Round the clock account access through Internet and Mobile Banking

Open Digital Savings Account or Download Kotak811 Instant Savings Account Opening App

5 Things You Should Know About Zero Balance Savings Accounts:

  1. There are no minimum-balance commitments in a zero balance savings account. So, you can spend even the last rupee in your account without worrying about penalties.

  2. You can open a digital zero balance account online from the comfort of your home. All you need is your PAN and Aadhaar number.

  3. Earn the prevailing interest on your zero balance savings account deposits.

  4. With your zero balance account, enjoy facilities such as debit cards, cheque books, internet banking and mobile banking.

  5. Open a zero balance savings account instantly through Aadhaar OTP verification. Then, complete the full KYC process of your account through in-person verification within 180 days from account opening by visiting your nearest bank branch or booking an appointment.

Zero Balance Savings Account

IMPORTANT: Please ensure that you complete your Full KYC within 180 days from account opening to enjoy uninterrupted services at all times. If Full KYC is not completed within 180 days from account opening, your account will be blocked from transactions. However, you would still be able to complete your Full KYC and resume banking easily. If Full KYC is not completed within 365 days from account opening, your account will expire permanently with no possibility of reactivation.

Zero balance account opening online can’t be any easier. Key in your PAN and Aadhaar details and complete the VKYC to enjoy the unlimited benefits of the Kotak811 digital savings account. Get a simplified banking experience for all your financial needs. Start saving with the trust of Kotak Mahindra Bank and the multitude of features of a Kotak811 savings account. One account is all you need to take care of savings, investments, credit cards, shopping, loans, and much more.

A savings account that behaves the way you would want it to:

  1. Zero maintenance charges

  2. No hidden charges

  3. Complimentary virtual debit card

  4. Up to 4% interest p.a. on savings

  5. Credit card without credit score

  6. Free digital transactions

  7. Shop, dine, and book tickets all at one place

  8. Option to invest

  9. Apply for a loan

  10. Health and personal insurance

Now is the time to get more done with Kotak811 zero balance account. Just don’t Bank, let your money grow.

Zero Balance Account Opening Online

Choose from the various types of Kotak 811 Savings Accounts:

Explore 811 Variants

Kotak811 FAQs

How to open Kotak 811 zero balance account online?

  1. Opening a Kotak 811 zero balance online is extremely easy and takes just a few minutes. You can opt for video KYC process and open a full-fledged savings account within a few hours!

  2. Enter your name, mobile number and email ID. Tick the check boxes if you are not a politically exposed person and you are an Indian resident.

  3. You will receive an OTP on your mobile number. Enter the OTP.

  4. As per RBI’s regulation, banks can open zero balance savings account online through Aadhaar OTP verification.

  5. Enter your PAN, Aadhaar number. You need to authorize the bank to access your Aadhaar details and biometric information for verification.

  6. Add the OTP that you have received on your Aadhaar registered mobile number.

  7. You can now see your address as per your Aadhaar records. Use this address or add another address as your communication address.

  8. Add details such as father’s and mother’s name, occupation, gender, annual income. The bank will fetch your date of birth from the Aadhaar database. You can also add nominee details.

  9. Review the details that you have added before proceeding with the Video KYC verification process.

  10. Accept the terms and conditions.

  11. In this step, you can add a different communication address.

  12. Provide location access and you will be connected to a bank agent who will carry out the video KYC process. After the video-based KYC is completed, your account will be opened within a few hours upon successful verification. The account will be a full-fledged savings account without any limitations or restrictions.

Why you should choose to open a zero balance bank account online?

  1. No minimum average balance: Make the most of the no monthly average balance maintenance requirement.

  2. Paperless account opening process: Choose the convenience of opening a zero balance account online within a few minutes - anytime, anywhere.

  3. Additional benefits: A free virtual debit card, plus cash and cheque deposits at the bank’s branch.

  4. Digital payments: Make digital payments easily using NEFT, UPI and Scan & Pay.

What is a zero balance savings account?

A zero balance savings account is a type of savings account where the Monthly Average Balance (MAB) is waived off. There is no hidden charges associated with a zero balance savings account. In a normal savings account, customers have to maintain a monthly average balance in the account at all times and if by any chance the required criteria is not met, additional fee or penalty is charged. When customers open a zero balance account, they are entitled to earn interest on the entire amount deposited in the account.Open Digital Savings Account or Download Kotak811 Instant Savings Account Opening App

Who can open zero balance account?

Every individual who is a resident of India is eligible to open a zero balance account. To open a zero balance account online, one needs to have a valid Aadhaar and PAN card. As per RBI’s regulation, banks can open savings account online through Aadhaar OTP verification.

How to open bank account online?

It is easy to open an online bank account in few minutes. You need to visit our website or download the App. Share some basic information. The entered details will be validated at our end.

The next step is to complete your KYC online or offline. Either you can book an appointment with a bank official to complete the video KYC process from the comfort of your home or visit the nearest branch to submit the KYC documents.

Online bank account opening with zero balance is quick and easy with Kotak811 Instant Savings Account Opening App.

Steps to open bank account online:

  1. Download the App or visit the website

  2. Share your name, contact number and email ID

  3. You will receive an OTP to validate your mobile number

  4. After verification, the bank will ask for your PAN and Aadhaar

  5. Enter the OTP you have received on your Aadhaar registered mobile number

  6. Accept the terms and conditions

  7. Your account is ready

What is a secured credit card?

A credit card issued against a fixed deposit is a secured credit card. It is ideal for people who are new to credit, or have a low CIBIL score.

Why is an FD needed to get a credit card?

In case, your credit score doesn't match the eligibility criteria to issue an unsecured credit card, you can still get a credit card by opening a refundable fixed deposit account with us.

What are the benefits of a secured credit card?

  1. You earn interest on the FD account

  2. Use the credit card to avail exciting reward points

  3. You can build your credit score

What are the features of a secured credit card?

  1. Interest on the FD account

  2. Availed credit limit is 90% of FD amount

  3. 2x rewards on every Rs.100 spent online

View all Kotak811 FAQs

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 up to 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).

You are using an outdated browser. Please upgrade your browser to improve your experience.