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Kotak 811 launches India's first zero-contact, video KYC savings account.
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Simpler, smarter & more intuitive than ever before
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For Kotak Bank Customers
For Kotak811 Customers
Experience the all-new Kotak Netbanking Lite
Simpler, smarter & more intuitive than ever before. Now accessible on your mobile phone!
| Particulars | Kotak 811 Limited KYC Account | |
|---|---|---|
| Average Monthly Balance | Minimum Balance | Zero |
| Funds Transfer | NEFT, IMPS through Net/Mobile Banking | No charges |
| NEFT, RTGS through branches | Not available | |
| Payments | Merchant/Bill Payments, Online shopping | No charges |
| Cash | Branch/Cash Deposit Machine | No charges for 1 txn or 10,000/month, whichever is earlier. Post these limits, charged at Rs 4.5/1000 (Minimum Rs. 50) |
| Withdrawal | Not available | |
| Virtual Debit Card | Issuance / Annual Fee | No charges |
| Physical Debit Card | Classic debit card - Annual/Replacement Fees | Rs.199 Per Annum |
| My Team/Other Image Debit Card (available on request only) | One time image cost basis selected Image + Rs. 199 Annual charges | |
| ATM Transactions - Kotak Bank | Cash Transactions - Upto 5 | No charges |
| Cash Transactions - Above 5 | Rs.20 | |
| Non Financial transaction | No charges | |
| ATM Transactions - Other than Bank | Cash Transactions + Non Financial Transactions - Upto 5 | No charges With atmost 3 being carried out in metro city |
| Cash Transactions | Rs.20/Transaction after the first 5 free transactions | |
| Non Financial transaction | Rs.8.5/Transaction after the first 5 free transactions | |
| International ATM | Cash Transaction | Rs.150/txn |
| Non Financial transaction | Rs.25/txn | |
| Declined Transactions | Transaction declined due to insuffient balance | Rs.25/Instance |
| Cardless Cash Withdrawal | No charge for 1 txn /Month & subsequent txn will be charged Rs.10/txn | |
| DD/Pay Order | Not available | |
| SI Failure | Not available | |
| ECS Mandate verification | Not available | |
| At-par cheque book | Not available | |
| FCY - DD/Cheque | Not available | |
| Branch Request | Not available | |
| Statement | No charges | |
| Physical Statement | Rs.100/charges | |
| Balance & transaction & VAS | Rs.0.5 per SMS (Daily/Weekly) | |
| PIN Generation | Through courier | Rs.100/Request |
Your zero balance digital savings account does not require you to carry a passbook. You can check all your transactions online on the Kotak811 Mobile Banking App.
If you wish to have a statement of your transactions for documentation purposes, you can place a request on the Kotak Mobile Banking App and receive your statement on your registered email ID.
If you still prefer a Passbook, you can apply for it online and get it be delivered to your preferred communication address as per Bank records in 7-10 working days. Please note, only Full KYC account holders can request for a passbook. This process is applicable only for customers applying for a passbook for the first time. For second passbook onwards, please visit your nearest bank branch.
To apply for a passbook, Click Here
You can start a recurring deposit or a term deposit through the Mobile Banking App or through Net Banking. Please visit the ‘Banking’ section inside the Mobile Banking App or Net Banking and click on ‘Open Recurring Deposit’ or ‘Open Term Deposit’.. These features are available to customers who have met us to verify their identity details. If you haven’t done that yet, please schedule an appointment via the Mobile Banking app or call customer care on 1860 266 0811*
*Local call rates apply.
You can see the ‘Scan & Pay’ option inside the Mobile Banking App. You will see this under the ‘Banking’ section of the Mobile Banking App. Once you click on it, it will open the QR code reader. You need to project it on the QR code and it will read it automatically. Once the QR is successfully captured, you can punch the amount you wish to pay and the amount will be transferred instantly.
Kotak 811 brings you a Virtual Debit Card inside your Mobile Banking App. You can use it to shop online, pay bills, recharge or use ‘Scan & Pay’ at merchant outlets. 811 Debit Card is given to customers who have verified their details using Aadhaar OTP.
Yes, you can! You can request a physical Debit Card from the 811 widget in your Kotak Mobile Banking app. Just login into the Kotak Mobile Banking App and navigate to 811 section -> virtual debit card -> Get one now.
