Digital journey is applicable only to residents of India.
The digital journey only applies to opening a Current Account for business purposes.
Digital Current Account is currently available for only Sole Proprietorship & Individual Current Accounts.
The Digital Current Account opening process is not available for existing Kotak Mahindra Bank customers in the following scenarios:
Sole Proprietorship accounts where the customer wishes to open the account with the existing entity name
Individual Current Account for customers with existing Savings Account/811 wallet/ Partial KYC Accounts
You may choose to make the initial payment as per the applicable minimum balance of the selected Current Account variant, for account opening.
Customers applying for a Current Account through the digital journey can get assistance by clicking the "CHAT WITH US" option. This helpline will be available from 10:00 am to 7:00 pm on all working days of the bank.
Video KYC will be available from 10:00 am to 7:00 pm on all working days of the bank.
For any queries, please write to us at [email protected], and we will get back to you within one working day. You can also call us at +91 8655348340 from 10 AM to 6 PM on all bank working days (Monday to Friday, First and Third Saturday, except banking holidays). Local call charges apply.
Terms & Conditions
By starting the journey, you have given your consent to all the terms and conditions
By starting the journey, you have given your consent to receive help for account opening through emails, sms & phone calls.
Frequently Asked Questions
How to open an Individual Current Account Online?
For opening an Individual Current Account online, you should have your Aadhaar card and original PAN card handy. Also, the Aadhaar-linked mobile number must be with you. After submitting the Personal details, the Customer Relationship Number and the Account Number of the individual will be generated. If you need any assistance during the journey, you can tap the 'chat with us' icon and a representative will be assigned to guide you.
How to open a Sole Prop. Current Account Online?
To open a Sole Prop. Current Account online, you should have the documents mentioned in the "documents required" section. After submitting the personal and business details, the Customer Relationship Number and the Account Number will be generated. If you need assistance during the journey, you can tap the 'chat with us' icon and a representative will be assigned to guide you.
What will be the charges to open a Current Account?
There are no charges to open a Current Account. However, you would be charged for the services you enjoy in the Current Account variant selected by you. You can view the wide array of Current Account variants and their charges by clicking here
What happens if I drop out during the account opening journey? Can I save and continue the journey later?
The details of your Current Account application will be saved if the basic details are submitted, and if you have given the one-time password (OTP) during mobile verification. If you drop out and resume your journey later, you can continue from where you left off after providing the basic details and the OTP.
The Video KYC must be completed within five days of account creation. If you do not complete your Video KYC within 5 days of account creation a bank executive will get in touch with you for assisting your Current Account opening process.
If I am not comfortable opening a Current Account online, how can I apply for a Current Account?
You can select the 'Request a call back' option, and a bank representative will contact you to process your Current Account application.
Can I operate the Account immediately after getting the Account Number?
You'll receive your Account Number after submitting all the mandatory details, but the account can only be used for transactions after successful Video based KYC and in-person verification.
Company Stamp would be required while capturing signature during Video KYC
Frequently Asked Questions
How to open an Individual Current Account Online?
For opening an Individual Current Account online, you should have your Aadhaar card and original PAN card handy. Also, the Aadhaar-linked mobile number must be with you. After submitting the Personal details, the Customer Relationship Number and the Account Number of the individual will be generated. If you need any assistance during the journey, you can tap the 'chat with us' icon and a representative will be assigned to guide you.
How to open a Sole Prop. Current Account Online?
To open a Sole Prop. Current Account online, you should have the documents mentioned in the "documents required" section. After submitting the personal and business details, the Customer Relationship Number and the Account Number will be generated. If you need assistance during the journey, you can tap the 'chat with us' icon and a representative will be assigned to guide you.
What will be the charges to open a Current Account?
There are no charges to open a Current Account. However, you would be charged for the services you enjoy in the Current Account variant selected by you. You can view the wide array of Current Account variants and their charges by clicking here
What happens if I drop out during the account opening journey? Can I save and continue the journey later?
The details of your Current Account application will be saved if the basic details are submitted, and if you have given the one-time password (OTP) during mobile verification. If you drop out and resume your journey later, you can continue from where you left off after providing the basic details and the OTP.
The Video KYC must be completed within five days of account creation. If you do not complete your Video KYC within 5 days of account creation a bank executive will get in touch with you for assisting your Current Account opening process.
If I am not comfortable opening a Current Account online, how can I apply for a Current Account?
You can select the 'Request a call back' option, and a bank representative will contact you to process your Current Account application.
Can I operate the Account immediately after getting the Account Number?
You'll receive your Account Number after submitting all the mandatory details, but the account can only be used for transactions after successful Video based KYC and in-person verification.
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