Features of the 811 Digital Bank Account

811 is a full service digital Bank account given to you within the convenience of the app. With zero charges on non-maintenance of balance. This account gives you the flexibility to spend,  earn up to 5%* interest p.a., and save with the multiple offers we have in store


Important information


Banking solutions with 811

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What's New

Revamped & ready!

Experience the all-new 811 section in your Kotak Mobile Banking App 

As the world is moving ahead, so are we. Here to make your new-age digital banking easier & simpler, we have re-structured the look of the Kotak 811 section on the Kotak Mobile banking App.

Now simply find easy - seamless banking solutions at a tap. Now you can check your account details in one tab and your Card details on the other!




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* Applicable for Resident Indian Individuals only

w.e.f. April 1, 2020, interest rate on daily balances in Savings Account above Rs. 1 Lakh stands revised at 5% p.a. Daily balances up to Rs. 1 Lakh will continue to earn 4% interest p.a. The interest rates mentioned are applicable for Resident Accounts only.

*Kindly call on our new number: 1860 266 0811, for any queries or issues between 9.30am to 6.30pm, Monday to Saturday (except holidays). Local charges apply.


Click here to read the terms & conditions

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Frequently Asked Questions

Can I hold my account jointly with another applicant?

Unfortunately, the Kotak 811 account is intended for a single user only, and cannot be held jointly.

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I got disconnected from the Kotak Mobile Banking App. How can I continue my application?

Don’t worry; we regularly back up all the information that you’ve entered. Please reopen the app, and you will be able to continue from where you left off.

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Can I save my application and continue it later

Yes, of course! All the information you’ve entered is regularly backed up to our servers. You may leave the app or close it at any point. When you return, you can resume from where you left off.

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Is my information secure?

The security of your personal information and your online banking transactions is of utmost importance to us. We maintain strict security standards to prevent unauthorized access to your information.

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How do I start using the Mobile Banking App once my account is activated?

Once your account is active, you can log in to the Mobile Banking App by entering your CRN and the MPIN that you chose during the account opening process.

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