Kotak 811 - Zero Balance Account, Open Zero Balance Savings Account Online

Features of the 811 Digital Bank Account

811 is a full service digital Bank account given to you within the convenience of the app. With zero charges on non-maintenance of balance. This account gives you the flexibility to spend,  earn up to 4%* interest p.a., and save with the multiple offers we have in store


Important information


Banking solutions with 811

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Super 811 is a fun-filled game by Kotak 811 that lets you claim exciting offers every month!

This month, Super 811 gives you a chance to win a Rs.100 Voucher for a brand of your choice. Collect as many points as possible within 30 seconds (Minimum 30 points required to qualify), and pay a bill/recharge for minimum Rs.300 on your Kotak – 811 & Mobile Banking App to redeem the voucher.






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* Applicable for Resident Indian Individuals only

Daily balances in Savings Account up to Rs. 1 lakh continue to earn 3.50% interest p.a. and daily balances over Rs. 1 lakh and up to Rs. 5 crores continue to earn 4% interest p.a. Interest rate on daily balances in Savings Account above Rs. 5 crores stands revised at 3.75% p.a. wef Nov 1, 2020. These interest rates are applicable for Resident Accounts only.

Example: If End of Day Savings Account balance is Rs. 1,50,000, then Rs. 1,00,000 will earn interest of 3.50% p.a. and Rs. 50,000 (being the balance in excess of Rs. 1,00,000), will earn interest of 4.00% p.a.

*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

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Frequently Asked Questions

Can I hold my account jointly with another applicant?

Unfortunately, the Kotak 811 account is intended for a single user only, and cannot be held jointly.

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I got disconnected from the Kotak Mobile Banking App. How can I continue my application?

Don’t worry; we regularly back up all the information that you’ve entered. Please reopen the app, and you will be able to continue from where you left off.

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Can I save my application and continue it later

Yes, of course! All the information you’ve entered is regularly backed up to our servers. You may leave the app or close it at any point. When you return, you can resume from where you left off.

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Is my information secure?

The security of your personal information and your online banking transactions is of utmost importance to us. We maintain strict security standards to prevent unauthorized access to your information.

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How do I start using the Mobile Banking App once my account is activated?

Once your account is active, you can log in to the Mobile Banking App by entering your CRN and the MPIN that you chose during the account opening process.

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