Kotak 811 Review – A FREE Zero Balance Account


Do you know what is Kotak 811? Kotak 811 account is a new age bank account offered by Kotak Mahindra Bank. You can open a Kotak savings account by downloading the Kotak Mobile Banking App or by visiting the official website and registering using your Aadhaar number, PAN and other basic details. You may call it a digital account. You’ll get a FREE virtual debit card by opening a Kotak zero balance account. You can use it to shop online. Now follow below mentioned steps to open it online.

How To Open Kotak 811 Account?

kotak 811 account

Kotak 811 account opening is not a difficult task. You can easily open the Kotak Mahindra Bank savings account in 2 minutes. You can also close your 811 account if you are not interested. To close your account read this article how to close Kotak 811 account.

  • First Goto Account Opening Page
  • Enter Your Name And Mobile Number
  • Verify Your Mobile Number Using OTP
  • Enter Your Aadhaar & PAN Number
  • Verify Aadhaar Using Aadhaar OTP
  • That’s All

Kotak Mahindra Bank 811 Account Variants

VariantLimited KYCLiteFull KYC AccountEDGE
How to Open?Install 811 App/WebsiteInstall 811 App/WebsiteInstall 811 App/WebsiteInstall 811 App /Website/ Visit your nearest branch
Minimum BalanceZeroZeroZeroZero
Physical Card ChargesRs. 199 p.a.NA Rs. 199 p.a. Platinum Debit card- Rs. 150 p.a
Virtual Debit CardFreeNAFREENA
TypeMobile/WebsiteMobile/WebsiteAvailable on Mobile/Website/ BranchesAvailable on Mobile & Branches
Cumulative credits allowedRs. 2,00,000 in a F.YRs. 10,000 in a calendar month & Rs. 1,00,000 in a F.YNo RestrictionsNo Restrictions
Online transactionsIMPS & NEFT FreeOutward Funds transfer not availableIMPS, NEFT & RTGS FreeIMPS, NEFT & RTGS Free
ChequesNANAOn requestBy default
Validity12 months12 monthsNANA
Kotak 811 Interest rateUp to 6%*NAUp to 6%*Up to 6%*

Key Features & Benefits of Kotak Digital Savings Account

  • Up to 6%* interest p.a.
  • Zero Balance account
zero balance account 811
  • Instant account opening
  • Virtual Debit Card
811 virtual card
  • Scan & Pay
scan and pay 811
  • Shop. Travel. Entertainment

How To Add Money in Kotak 811

It is easy to add money to your 811 account. You can deposit at any branch or online. Just follow below mentioned steps carefully.

You can load only upto 1 lac on Limited KYC account and after completing full KYC you can deposit upto 2 lac. Visit bank within 1 year to complete full KYC.

  1. Open 811 Bank App
  2. Navigate Banking
  3. Click On Fund My Account
  4. Enter amount
  5. Make payments using a suitable payment method

Kotak 811 Charges

ItemLimited Full KYCLiteFull KYC account
Physical Debit Card199 p.a.Nill199 p.a.
Insufficient balanc Charge Rs.25 / TransactionRs.25 / TransactionRs.25 / Transaction
Request for PIN generation/re-generation100/request100/request100/request
Physical statement100 / Request100 / Request100 / Request
Average monthly BalanceZeroZeroZero

Kotak 811 Debit Card Charges

Virtual debit card is free but if order physical Kotak 811 Debit Card then 199 p.a. will be charged.

Watch this video

Kotak 811 Customer Care

Queries: 1860 266 2666
Support: 1860 266 0811
Toll-Free: 1800 209 0000

Kotak 811 customar Care

[Open 811 Account Online]


Open Kotak Mahindra Bank Savings Account and enjoy unlimited benefits. It is a totally free savings account. You’ll get an international virtual debit card which you can use on an international website like Paypal, AliExpress etc.



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