Frequently Asked Questions

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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.

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Why should I use *99# USSD services?

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

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How secure is the USSD (*99#) services?

This service can only be used from the preferred mobile number registered with the Bank.

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

You can avail following features:

 

  • Balance enquiry
  • Fund transfer (to a Mobile Number, Virtual Payment Address, IFSC/Ac no, Aadhaar)
  • Transaction history (done via USSD)
  • Request money

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

Yes. You need to register by dialing *99# and selecting the bank of your choice. You can later change the selected bank by visiting the My Profile section.

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