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Text Content

ONLINE ZERO BALANCE SAVINGS ACCOUNT


GET KOTAK 811 ZERO BALANCE ACCOUNT IN A FEW MINUTES, RIGHT FROM YOUR HOME.


OPEN ZERO BALANCE DIGITAL SAVINGS ACCOUNT AND BOOK A FIXED DEPOSIT AND APPLY FOR
A LIFETIME FREE #DREAMDIFFERENT CREDIT CARD TODAY.

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


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.

Virtual Debit Card

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

No Maintenance Fees

Dont worry about maintaining minimum
balance in your account. Kotak 811 is a zero
balance account i.e. you pay zero charges
for non-maintenance of balance.

Get Interest On
Your Balance

Avail up to 3.5%* interest p.a.
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.




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


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 for your new zero balance
    account 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

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HOW TO GET 811 #DREAMDIFFERENT CREDIT CARD


 1. Open an 811 digital savings account online.
 2. Book a Fixed Deposit of minimum ₹10,000
 3. Apply for Free Credit card

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.


WHAT IS A ZERO BALANCE SAVINGS ACCOUNT?


A zero balance savings account is a type of savings account where account
holders do not have to maintain any average monthly balance (AMB).


5 THINGS YOU SHOULD KNOW ABOUT ZERO BALANCE SAVINGS ACCOUNTS:


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

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

 5. 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 12 months by visiting your nearest bank branch
    or booking an appointment.


CHOOSE FROM THE VARIOUS TYPES OF KOTAK 811 SAVINGS ACCOUNTS:

Explore 811 Variants



HOW TO OPEN KOTAK 811 ZERO BALANCE ACCOUNT ONLINE?


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

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

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

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

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

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

 10. 10. Accept the terms and conditions.

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

 12. 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.

 13. 


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


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

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

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

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

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

"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

"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



OPEN NOW

811 Variants

Why 811?

Fees & Charges

FAQs

#Dream Different Credit Card

Kotak 811

Zero Balance Digital Savings Account

Edge Savings Account

Kotak 811 Variants

Kotak 811 Video KYC

Terms and Conditions

Privacy Policy

Customer care

Provide another Email Id



ok

The premium 811 experience
comes in 2 flavours

811 Edge

811

₹10,000

average monthly balance

Enjoy additional benefits with 811 Edge.
Upgrade at the time of your in-person
Full KYC verification.

Debit card type and fees
Platinum (₹150 annually)

Chequebook*
25 FREE leaves quarterly

Branch Transactions
4 FREE (up to ₹2 lakhs monthly)

Home Banking
₹150/visit

ATM withdrawals
FREE and unlimited (Kotak Bank ATM)
5 FREE monthly (Other Domestic Bank ATMs^)

₹0

average monthly balance

Your zero balance account with
basic features.

Debit card type and fees
Classic (₹199 annually)

Chequebook*
₹75 for 25 leaves

Branch Transactions
1 FREE (up to ₹10,000 monthly)
for both cash deposit & withdrawal* separately

Home Banking
Not available

ATM withdrawals
5 FREE monthly (Kotak Bank ATM and other
Domestic Bank ATMs^ each)

* 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

Advantage of KYC Verification

Get the full-fledged award-
winning 811 experience

--------------------------------------------------------------------------------

Enjoy unlimited banking
with zero paperwork

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Unlimited account
validity

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Unrestricted deposits
and spends