A digital savings bank
account you can get right from the comfort of your home

Open Kotak 811 zero balance savings account without any paperwork.

Explore 811

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

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

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

  1. Minimum Balance: No charges or fine on non-maintenance of minimum balance. Now, spend your balance to the last rupee without any worry.
  2. Virtual Debit Card: Get a Virtual Debit Card instantly for online shopping
  3. Transfer Money: Transfer money online for free and with easy
  4. 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.
Advantages of Full KYC Verification

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).

Join the 811 club today


No hidden charges, takes only 5 minutes.

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.


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

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