Say hi to infinite possibilities
Enjoy Free Online transfers (NEFT, RTGS and IMPS)
with your 811 Edge account and go cashless
with your 811 Edge account and go cashless
Now you can open your zero balance Kotak 811 account instantly. Get 811 Now!
Be it an article you were reading, a product you were exploring or a journey you left unfinished, starting from where you left off is simpler than you can imagine. Just register for ‘Everything Me’ using any of your social media accounts and you are all set.
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Kotak Bank’s 811 Edge is a full service digital banking ecosystem on mobile that has been designed around the idea of simplicity and ease of use. Customers can earn up to 6%* p.a. on their savings account balances. 811 Edge offers a completely digital and paperless account opening experience by maintaining an average monthly balance of Rs. 10,000!
Check your eligibility for the 811 Edge Savings Account.
Customers who have opened JifiNeo will now enjoy Kotak 811
.* Earn up to 6% p.a. interest on savings account balance over Rs. 1 lakh and up to Rs. 1 cr. Earn 5% p.a. interest on savings account balance up to Rs. 1 lakh and 5.5% p.a. interest on savings account balance above Rs. 1 cr. Applicable for Resident Accounts only. Interest rates are subject to change from time to time.
Check the fees and charges for the 811 Edge Savings Account.
|Average Monthly Balance (AMB)||10000|
|Non-maintenance Charges||If AMB <=25% of required Product AMB||500|
|If AMB >25% <=50% of required Product AMB||400|
|If AMB >50% <= 75% of required Product AMB||300|
|If AMB >75% of required Product AMB but less than product AMB||150|
|Fund Transfers||NEFT / RTGS / IMPS (Through Net-banking / Mobile Banking)#||Free|
|NEFT / RTGS done through branch||For NEFT: Upto 10000: 2.50; 10001 to 100000: 5;
100001 to 200000: 15; > 200000: 25
For RTGS: 200001 to 500000: 25;> 500000: 50
|Cash Transactions||Cash Transaction at Branch / CDM (Deposit or withdrawal)||Free upto 4 transactions or 2 lac / month, whichever is earlier. Post free limits, charged at Rs. 3.5 / 1000 with minimum Rs. 150|
|Debit Card / ATM Charges||Platinum Debit Card Annual Fees Or Replacement of Lost Debit Card||150 p.a. (charges for other cards detailed below)|
|Kotak Bank's ATM Financial Transaction / Non-Financial Transaction*||Unlimited Free|
|Other Domestic ATMS Financial Transaction / Non-Financial Transaction## /
Declined Transactions due to insufficient balance
|Maximum of 5 transactions free (incl financial &
non-financial) in a month, thereafter Financial Transaction
20.00 / Txn. Non-Financial Transaction 8.50 / txn. Txn declined charges Rs. 25 / instance
|Financial Transaction / Non-Financial Transaction at International ATM +||Rs. 150 / Txn.|
|DD / Pay order / Cheque Book||DD / Pay Order||2.5 / 1000 (Min 50 Max 10000)|
|FCY DD / TT / Cheque Collection / Revalidation / Cancellation / FCY Cheque Deposited and Return||500|
|At-par Cheque Book Charges||25 Chq leaves free / Qtr; Thereafter Rs.3 / cheque leaf (Min 25 leaves in one cheque book)|
|ECS / Cheque Issued & Returned (due to non-availability of funds)||500 / instance|
|ECS Mandate Verification||50 / instance|
|Cheque deposited and returned (INR)||100|
|Requests||Duplicate Ad-hoc statement, Balance & Interest Statement, Foreign Inward Remittance Certificate, Duplicate Passbook, TDS Cerificate Through Branch or any other Record Retrieval, Stop Payment Single / Range of cheque thru branch; DD / PO / BC Revalidation / Cancellation ( INR);
Tax Collection thru branch; Regeneration of Pin sent through courier; Annual Combined Statement Physical; Monthly Physical Statement
|100 / Request|
|Home Banking Service||Cash Pick Up / Delivery||Rs. 150 per visit|
|Statements & Alerts||Statements||Email Statement Free: Physical Quarterly Free|
|Balances and Transaction & Value added alerts (Daily / Weekly)||Daily SMS 30 / Qtr.|
|Weekly SMS 15 / Qtr.|
|Other Charges||TOD||TOD: Rs. 500|
|Cheque purchase||Cheque Purchase Charges: 0.5 / 1000
(Min 50; Max 10000)
|##Cash withdrawal limit from other Domestic ATM is Rs. 10000 per transaction.|
|#+ Top 6 Cities - Transactions done in Mumbai, New Delhi, Chennai, Kolkata, Bengaluru and Hyderabad ATMs.|
|*Financial transaction at ATM will include Cash withdrawal, Non-Financial transaction will include balance enquiry, PIN change, Mini statement request.|
|Transaction and Value Added SMS alerts would be sent free to the customers who have subscribed for Daily / Weekly. Balance Alerts facility. Alerts that have been mandated by RBI as well as alerts which are deemed appropriate by the Bank, will be sent free of charge, even if Daily / Weekly Balance SMS alerts facility has not been subscribed.|
|#Indo - Nepal Remittance Scheme (NEFT Charges):|
|If Beneficiary maintains an Account with Nepal SBI Bank Ltd. (NSBL): Rs. 25 per txn. (incl all taxes).|
|If Beneficiary does not maintain an Account with Nepal SBI Bank Ltd. (NSBL): Upto Rs. 5000 Rs. 75 per txn. & beyond Rs. 5000 Rs. 100 per txn. (incl all taxes).|
|The Bank will charge cross-currency mark-up of 3.5% on foreign currency transactions carried out on Debit Cards. The exchange rate used will be the VISA / Master Card wholesale exchange rate prevailing at the time of transaction.|
|Charges are exclusive of the Goods and Services Tax (GST).|
|With effect from July 1, 2017 the effected Goods and Service Tax rate will be 18% on taxable value. The GST rate is subject to change from time to time.|
|Any rejections in applications made through ASBA mode due to insufficient funds will attract charges of Rs. 350/- per rejection<>|
|As per RBI guidelines, Business / Commercial transactions are not permitted in the Savings Accounts.|
|+Additional charges levied by another bank on international ATM transactions will also have to be borne by the card holder.|
|The above charges are subject to revision with a prior intimation of 30 days to all account holders. Closure of account due to revision of charges will not be subject to account closure charges.|
|Debit Card Annual Charges||Classic Debit Card Primary||150|
|Classic Debit Card Add On||150|
|Silk Classic Debit Card Primary||150|
|Gold Debit Card Primary||500|
|Gold Debit Card Add on||500|
|Platinum Debit Card Primary||150|
|Platinum Debit Card Add On||750|
|World Debit Card (available for ING Vysya Variants Only)||750|
|Replacement of Debit Card||200|
|~Any purchase / sale of foreign exchange will attract Service Tax on the gross amount of currency exchanged as per Service Tax on Foreign Currency Conversion Charges (FCY) table below.|
|Value to purchase or sale of Foreign Currency||Service Tax Amount w.e.f. June 01, 2016|
|Up to Rs. 1,00,000||1% of the gross amount of currency exchange or minimum of Rs. 250/-|
|Above Rs. 1,00,000 to Rs.10,00,000||1000 + 0.50% of the gross amount of currency exchanged less 1,00,000.|
|Above Rs. 10,00,000||Rs. 5500/- + 0.10% of the gross amount of currency exchanges less 10,00,000 subject to maximum of Rs. 60,000/-|
Kotak 811 is a new age bank savings account offered by Kotak Mahindra Bank. You can open a Kotak 811 savings account by downloading the Kotak Mobile Banking app and registering using your Aadhaar number, PAN and other basic details. You can set up a mobile banking PIN and start using your account immediately.
Kotak 811 pays interest of up to 6%* p.a. with zero minimum balance requirement. It allows you to make online money transfers for free (IMPS, NEFT and RTGS) and comes with a Virtual Visa Debit Card which you can use to shop online as well as pay via Scan and pay at merchant outlets.
Just visit the playstore from your Android phone and download the Kotak Mobile banking App. Once installed, click on 'Get started Now' to start the New Account opening journey.
You need to be more than 18 years of age, and a resident of India with an Indian address to be eligible to apply for a Kotak 811 savings account.<br>
Once your bank account is opened, you can just login to our Mobile Banking App and start using it. It is packed with features like shopping, paying bills, booking movie tickets, booking air or train or bus tickets, or doing funds transfers in a snap, Kotak 811 savings account brings you convenience at your fingertips.