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Text Content

 * 811 Variants
 * Why 811?
 * Fees & Charges
 * FAQs
 * #Dream Different Credit Card

OPEN NOW


OPEN ONLINE ZERO BALANCE SAVINGS ACCOUNT


IN JUST FEW MINUTES YOU CAN GET A KOTAK811 ZERO BALANCE ACCOUNT

TOP FEATURES OF ZERO BALANCE DIGITAL SAVINGS ACCOUNT:
ZERO BALANCE | FREE VIRTUAL DEBIT CARD | 3.50% INTEREST P.A. | FREE DIGITAL
PAYMENT | CREDIT CARD FOR ALL BASIS FIXED DEPOSIT

Explore 811

#DreamsInvited
Let’s get started
Your full name Mobile number Email
I am not a Politically Exposed Person
I am an Indian citizen and a tax resident of India and of no other country

OPEN NOW
By choosing to continue, you agree to accept all applicable Terms & Conditions,
811 Fees and Charges and Privacy Policy
An SMS with the OTP has been sent to your mobile number.
Enter OTP
Didnt receive it?Resend OTP Get OTP on WhatsApp Receive a call

Back
Next



811 DIGITAL SAVINGS ACCOUNT IS FOR EVERYONE

Are you looking to open a new zero balance account online? Now, open a digital
savings account using Aadhaar Card, PAN Card along with other details.


Kotak 811 is a digital zero balance savings account that can be opened online by
everyone (Resident Indian individuals only). Kotak 811 Digital Savings Account
lets you apply for zero balance savings account or an 811 Edge Digital savings
account based on your needs, which acts as a one-stop solution for all your
financial needs and day to-day transactions.


Apply for Kotak 811 Zero Balance Savings account and grow your money by booking
Fixed Deposit of minimum ₹10,000. The digital savings account also lets you
transfer funds, pay bills and do more easily.

Explore 811 Variants


ZERO BALANCE SAVINGS ACCOUNT UP TO 3.5%* INTEREST P.A. ALONG WITH OTHER
BENEFITS.

Need help? Give us a call at 1860 2660 811 (local call charges apply) or check
out our FAQs & Kotak 811 Zero Balance Account Terms and Condition

*Disclaimer
W.e.f . Sep 20, 2021, earn 3.50% interest p.a. on balances in Savings Account.
The interest rate is subject to change. Visit www.kotak.com for latest
information on interest rates.


VIRTUAL DEBIT CARD

Get your card number instantly with a Virtual Debit Card & start transacting
& paying online.


NO MAINTENANCE FEES

Don’t worry about maintaining a minimum account balance.Your 811 account has
zero charges for non-maintenance of balance.


GET INTEREST ON YOUR BALANCE

Avail up to 3.5%* interest per annum on your account balance.


SCAN AND PAY^

Why use cash or cards when you can scan and pay for your bills & purchases?


AWARD WINNING SERVICES

Experience Kotak 811 and know why it has received awards and accolades in the
world of banking.




VIRTUAL DEBIT CARD

Get your card number instantly with a Virtual Debit Card & start transacting
& paying online.


NO MAINTENANCE FEES

Don’t worry about maintaining a minimum account balance.Your 811 account has
zero charges for non-maintenance of balance.


GET INTEREST ON YOUR BALANCE

Avail up to 3.5%* interest per annum on your account balance.


SCAN AND PAY^

Why use cash or cards when you can scan and pay for your bills & purchases?


AWARD WINNING SERVICES

Experience Kotak 811 and know why it has received awards and accolades in the
world of banking.


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BENEFITS OF 811 ZERO BALANCE SAVINGS ACCOUNT WITH UNLIMITED FEATURES


GET THE FULL-FLEDGED AWARD-WINNING 811 EXPERIENCE - WITH UNLIMITED ACCOUNT
VALIDITY AND UNRESTRICTED DEPOSITS AND SPENDS. COMPLETE YOUR KYC VERIFICATION OF
YOUR ZERO BALANCE SAVINGS ACCOUNT RIGHT FROM YOUR HOME.


Kotak 811 Features

 1. Minimum Balance: As it is a zero balance saving account, there are no
    charges or fine on non-maintenance of minimum balance. Now, spend your
    balance to the last rupee without any worry.
 2. Virtual Debit Card: Get a Virtual Debit Card instantly for online shopping
 3. Transfer Money: Transfer money online for free and with ease from your 811
    digital savings account.
 4. New Age Banking: Find all your banking solutions in one single touch. Get
    180 + features that let you carry out your banking transactions, pay bills,
    invest, shop and do much more with just a few taps. The app is secure with
    two-factor authentication and has an easy interface.
 5. Open digital account online without any restrictions: Complete your
    verification through Video KYC and open a digital savings account without
    any restrictions.
 6. 811 #DreamDifferent Credit Card: Apply for Zero Balance Account and you can
    apply for 811 #DreamDifferent Credit Card without paperwork or joining &
    annual Fee. Get 2X reward points on online spends!

Advantages of Full KYC Verification


HOW TO APPLY CREDIT CARD DURING 811 ACCOUNT OPENING?

Getting a credit card is now easier and quicker. Apply for your card online
without any documentation while we setup your 811 savings account.

During 811 account opening journey, give consent to check your CIBIL score and
continue your account opening journey and we will check your eligibility for the
card.

Basis eligibility, on the Thank you page, you can complete the credit card
application by submitting your employment details.



DON’T HAVE A CIBIL HISTORY OR LOW CIBIL SCORE?

Don’t worry, you can still get a Kotak 811#DreamDifferent credit card which is a
card against Fixed deposit. You can open this account online without income
proof or salary slip.

You can complete your credit card application online without any documentation.
This card is against fixed deposit and you get 90% credit limit.

Why go for Credit card against fixed deposit? Get this card and use it at
regular frequency and pay your dues on time. It helps you to build your CIBIL
score and improve your CIBIL score. Good CIBIL score helps you get Unsecured
credit card and Loans.


Enjoy the benefits of interest free cash withdrawals, rewards on all purchases,
a credit limit of up to 80% of your fixed deposit amount and a free Credit Card
for life – all with the Kotak 811 #DreamDifferent Credit Card.


Disclaimers:

Issuance of credit cards is at the sole discretion of Kotak Mahindra Bank
Limited. All features and benefits are subject to Credit Card Terms and
Conditions. Please read the Credit Card terms and conditions carefully provided
on the bank website https://www.kotak.com/en.html


Kotak Bank Registered Address: 27BKC, C 27, G Block, Bandra Kurla Complex,
Bandra(East), Mumbai, Maharashtra, 400051


JOIN THE 811 CLUB TODAY

OPEN NOW

No hidden charges, takes only 5 minutes.


KOTAK 811 EVERYWHERE


WHETHER YOU ARE AT WORK, HOME OR VACATION YOU 811 DIGITAL ACCOUNT IS ALWAYS WITH
YOU

We hope you are aware of Kotak 811 zero balance online account opening process.
Apply for Kotak 811, one of the best digital bank account that you can open
online. You can open an 811 Digital savings Bank account in an instant, without
ever stepping out of your home.


Kotak 811 is a zero balance saving account. This means that you don’t have to
pay any penalties for not maintaining a minimum balance.


So, what are you waiting for? Open zero balance saving account online with Kotak
811 and start banking with one of the best digital bank account.


Kotak 811 is a digital zero balance account that you can open online. The online
savings account opening process is seamless, zero-contact and barely takes a few
minutes.


Just keep your PAN card & Aadhaar number handy and complete a few steps to open
the instant savings account from the comfort of your home or office.


*Disclaimer

Providing Aadhaar is voluntary.

Scan and Pay through your Kotak Mobile Banking App at select in-store outlets.


TOP 5 FEATURES OF KOTAK811 DIGITAL SAVINGS ACCOUNT:

 1. No need to maintain minimum balance in your account

 2. Get 3.50%* interest per annum on your account balance

 3. Free Virtual Debit Card and Lifetime free Credit Card (subject to
    eligibility)

 4. Free digital transactions like NEFT, IMPS, UPI, Pay Your Contact, Scan & Pay

 5. Round the clock account access through Internet and Mobile Banking

Open Digital Savings Account or Download Kotak811 Instant Savings Account
Opening App



5 THINGS YOU SHOULD KNOW ABOUT ZERO BALANCE SAVINGS ACCOUNTS:

 1. There are no minimum-balance commitments in a zero balance savings account.
    So, you can spend even the last rupee in your account without worrying about
    penalties.

 2. You can open a digital zero balance account online from the comfort of your
    home. All you need is your PAN and Aadhaar number.

 3. Earn the prevailing interest on your zero balance savings account deposits.

 4. With your zero balance account, enjoy facilities such as debit cards, cheque
    books, internet banking and mobile banking.

 5. Open a zero balance savings account instantly through Aadhaar OTP
    verification. Then, complete the full KYC process of your account through
    in-person verification within 180 days from account opening by visiting your
    nearest bank branch or booking an appointment.

IMPORTANT: Please ensure that you complete your Full KYC within 180 days from
account opening to enjoy uninterrupted services at all times.
If Full KYC is not completed within 180 days from account opening, your account
will be blocked from transactions. However, you would still be able to complete
your Full KYC and resume banking easily.
If Full KYC is not completed within 365 days from account opening, your account
will expire permanently with no possibility of reactivation.



CHOOSE FROM THE VARIOUS TYPES OF KOTAK 811 SAVINGS ACCOUNTS:

Explore 811 Variants


KOTAK811 FAQS


HOW TO OPEN KOTAK 811 ZERO BALANCE ACCOUNT ONLINE?

 1.  Opening a Kotak 811 zero balance online is extremely easy and takes just a
     few minutes. You can opt for video KYC process and open a full-fledged
     savings account within a few hours!

 2.  Enter your name, mobile number and email ID. Tick the check boxes if you
     are not a politically exposed person and you are an Indian resident.

 3.  You will receive an OTP on your mobile number. Enter the OTP.

 4.  As per RBI’s regulation, banks can open zero balance savings account online
     through Aadhaar OTP verification.

 5.  Enter your PAN, Aadhaar number. You need to authorize the bank to access
     your Aadhaar details and biometric information for verification.

 6.  Add the OTP that you have received on your Aadhaar registered mobile
     number.

 7.  You can now see your address as per your Aadhaar records. Use this address
     or add another address as your communication address.

 8.  Add details such as father’s and mother’s name, occupation, gender, annual
     income. The bank will fetch your date of birth from the Aadhaar database.
     You can also add nominee details.

 9.  Review the details that you have added before proceeding with the Video KYC
     verification process.

 10. Accept the terms and conditions.

 11. In this step, you can add a different communication address.

 12. Provide location access and you will be connected to a bank agent who will
     carry out the video KYC process. After the video-based KYC is completed,
     your account will be opened within a few hours upon successful
     verification. The account will be a full-fledged savings account without
     any limitations or restrictions.


WHY YOU SHOULD CHOOSE TO OPEN A ZERO BALANCE BANK ACCOUNT ONLINE?

 1. No minimum average balance: Make the most of the no monthly average balance
    maintenance requirement.

 2. Paperless account opening process: Choose the convenience of opening a zero
    balance account online within a few minutes - anytime, anywhere.

 3. Additional benefits: A free virtual debit card, plus cash and cheque
    deposits at the bank’s branch.

 4. Digital payments: Make digital payments easily using NEFT, UPI and Scan &
    Pay.


WHAT IS A ZERO BALANCE SAVINGS ACCOUNT?

A zero balance savings account is a type of savings account where the Monthly
Average Balance (MAB) is waived off. There is no hidden charges associated with
a zero balance savings account. In a normal savings account, customers have to
maintain a monthly average balance in the account at all times and if by any
chance the required criteria is not met, additional fee or penalty is charged.
When customers open a zero balance account, they are entitled to earn interest
on the entire amount deposited in the account.Open Digital Savings Account or
Download Kotak811 Instant Savings Account Opening App


WHO CAN OPEN ZERO BALANCE ACCOUNT?

Every individual who is a resident of India is eligible to open a zero balance
account. To open a zero balance account online, one needs to have a valid
Aadhaar and PAN card. As per RBI’s regulation, banks can open savings account
online through Aadhaar OTP verification.


VIEW ALL KOTAK811 FAQS




CUSTOMER SPEAKS

"Kotak 811 app is fast and easy to access. I requested my cheque book through
this app, and I received it in less than 7 days. I was highly impressed, and it
made everything approachable and accessible". - Mohak (Advertising professional,
Mumbai).


CUSTOMER SPEAKS

"Thanks to the Kotak 811 app, I was able to transfer money to my sister,
instantly. This made my Raksha Bandhan a little special" -Nirav (Finance
Assistant, Mumbai).


CUSTOMER SPEAKS

"For a young financial professional like me, Kotak 811 app gives me an
opportunity to park my funds at 3.5% without any risk". - Prem (Investment
Banker, Mumbai)


CUSTOMER SPEAKS

"Kotak 811 app is fast and easy to access. I requested my cheque book through
this app, and I received it in less than 7 days. I was highly impressed, and it
made everything approachable and accessible". - Mohak (Advertising professional,
Mumbai).


CUSTOMER SPEAKS

"Thanks to the Kotak 811 app, I was able to transfer money to my sister,
instantly. This made my Raksha Bandhan a little special" -Nirav (Finance
Assistant, Mumbai).


CUSTOMER SPEAKS

"For a young financial professional like me, Kotak 811 app gives me an
opportunity to park my funds at 3.5% without any risk". - Prem (Investment
Banker, Mumbai)


CUSTOMER SPEAKS

"Kotak 811 app is fast and easy to access. I requested my cheque book through
this app, and I received it in less than 7 days. I was highly impressed, and it
made everything approachable and accessible". - Mohak (Advertising professional,
Mumbai).

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ADVANTAGE OF FULL KYC VERIFICATION

 * GET THE FULL-FLEDGED AWARD-WINNING 811 EXPERIENCE

 * ENJOY UNLIMITED BANKING WITH ZERO PAPERWORK

 * UNLIMITED ACCOUNT VALIDITY

 * UNRESTRICTED DEPOSITS & SPENDS

ALL YOUR NEEDS COVERED - JUST TAKE YOUR PICK.


811

₹0/MONTH

AVERAGE MONTHLY BALANCE

Your zero balance account with basic features.



811 EDGE*

₹10,000/MONTH

AVERAGE MONTHLY BALANCE

Enjoy the premium 811 experience with additional benefits.
Debit card type and fees Classic (₹199 p.a.) Platinum (₹150 p.a.) Chequebook**
Chargeable Free 25 leaves quarterly Branch Transactions 1 free transaction of
upto Rs 10,000 per month (for both cash deposit & withdrawal** separately) 4
free transactions upto ₹2lakhs per month Home Banking Not Available Available @
₹150/visit ATM withdrawals 5 Free monthly (Kotak Bank ATM & Other Domestic Bank
ATMs^ each) Free & Unlimited (Kotak Bank ATM)
5 Free monthly(Other Domestic Bank ATMs^)

* You can choose to upgrade to 811 Edge at the time of in-person Full KYC
verification |** On completing Full KYC
|^Maximum of 5 transactions @ nil charges (incl. financial & non-financial) in a
month with a cap of Maximum 3 transactions @ nil charges in Top 6# Cities

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 * Zero Balance Savings Account
 * Fees & Charges
 * FAQs
 * 811 Variants
 * Instant Savings Account Opening App

© Kotak Mahindra Bank Limited
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