Open Digital Savings Account Online | Kotak 811
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Features of the 811 Digital Savings Account

Saving money in the 811 digital savings account can help you maximize your benefits. Kotak Mahindra Bank is India’s first new-age financial company to introduce a no-minimum balance digital savings account. Kotak 811 digital savings account is available in 2 variants, each catering to specific spending habits of customers. With zero-contact and video-KYC benefits, open a Kotak 811 digital savings account anytime, and from anywhere. Avail the best online banking solutions in just a few clicks. Open an online savings account with us and explore our wide range of offerings now! Take a look.

Types of 811 Digital Savings Account

Important information

Banking solutions with Kotak 811 Digital Savings Account

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* Applicable for Resident Indian Individuals only

W.e.f. Jun 13, 2022, daily balances in Savings Account above Rs. 50 lakhs will earn 4% interest p.a. Daily balances in Savings Account up to Rs. 50 lakhs will continue to earn 3.50% interest p.a. These interest rates are applicable for Resident Accounts only.

*Kindly call on our new number: 1860 266 0811, for any queries or issues between 9:30 AM to 6.30 PM, Monday to Saturday (except holidays). Local charges apply.


Click here to read the terms & conditions

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



Business Correspondents 811 (For Full KYC Conversion)

  • Airan Ltd
  • Fino Payments Bank Ltd
  • Smart Chips Pvt Ltd (Idemia)
  • Writer Business Services Pvt Ltd
  • Atyati Technologies Pvt. Ltd.
  • VK Venture Pvt. Ltd.
  • VSS Tech Solution Pvt. Ltd.
  • Apna payment services Pvt. Ltd.

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Frequently Asked Questions

How can I start a Recurring Deposit/Term Deposit?

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.

*Local call rates apply.

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How can I use Scan & Pay feature inside the Mobile Banking App?

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.

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What is a Virtual Debit Card? How do I use it?

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.

If you need to check your card details - card number, expiry date or CVV - it’s easy; just log in to your Mobile Banking App after opening your Kotak 811 account and click on the 811 widget.

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Can I have a physical Debit Card? How do I apply for one?

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.

The physical Debit Card will be charged at Rs. 299 p.a. (inclusive of taxes) You’ll need to have sufficient balance in your account to order one.
Once you’ve requested a physical Debit Card, we’ll charge the card fees to your account and your card will be delivered to you within 7 working days at the communication address you’ve registered with us.
811 physical debit card is not given to 811 Lite customers. 811 Lite customers are issued a virtual debit card once the full KYC for the account is completed. After the virtual debit card is issued, customers can follow the process mentioned above to get the physical card.

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How do I view my Virtual Debit Card in the Mobile Banking App?

You can log in to the Mobile Banking App using your CRN and MPIN. Once you’ve logged in, click on the 811 widget and navigate to “Virtual Debit card” tab to see the details. 

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