FinanceKotak 811 Review - A FREE Zero Balance Account

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 zero balance 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

[Open 811 Account Online]

How To Add Money to Kotak 811 Account?

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 the 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 Mahindra Bank Zero Balance Account Opening Online Charges

Here is the list of Kotak bank online account opening charges. Check this list before opening a Kotak Mahindra bank zero balance account.

ItemLimited Full KYCLiteFull KYC account
Physical Debit Card199 p.a.Nill199 p.a.
Insufficient balance Charge Rs.25 / TransactionRs.25 / TransactionRs.25 / Transaction
Request for PIN generation/regeneration100/request100/request100/request
Physical statement100 / Request100 / Request100 / Request
Average Monthly BalanceZeroZeroZero

Kotak 811 Debit Card Charges

The 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 Number

You can contact Kotak customer care 811 For any query or complaint. Call Kotak zero balance account helpline number for more details.

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

Kotak 811 customar Care

[Download Kotak 811 App]

Kotak 811 account FAQs

Am I eligible for Kotak 811 Account?

If you are 18 years of age or older, and are a resident of India with an Indian address, you are eligible to apply for a Kotak 811 account. To apply online, you’ll need to have your PAN and Aadhaar Number (Optional) handy. Kotak 811 account opening is available for individuals who do not have any existing relationship with Kotak Mahindra Bank.

Can I open 811 Joint Account?

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

Is my information secure?

The security of your personal information and your online banking transactions is the top priority to Kotak Bank.

Can I open Kotak Mahindra zero balance account without PAN Card?

Unfortunately, they need your PAN to open 811 account. If you don’t have PAN, you can apply for one using the following link

Can I open Kotak Zero Balance Account without AADHAAR Number?

Yes, you can open Kotak Zero Balance Account (811 Account) Lite by providing your PAN and a few other details.

Can I Withdraw Cash?

Yes, You can withdraw cash from your Kotak Mahindra Bank online account (811 Account) using a physical debit card.

Note: The Kotak 811 physical Debit Card will be charged at Rs. 199 + taxes per year.

How can I deposit money into my zero balance 811 account?

You can deposit money via a payment gateway using your Debit Card or Net Banking of another bank. You can also transfer money from another account through NEFT/IMPS/UPI (Not applicable for 811 lite account)

Download 811 APP for more details.

How to Close Kotak account (811 Account)

You need to visit the nearest branch with valid ID proof then give a request for closure.

if you are closing your Kotak Mahindra zero balance account between 1 and 6 months from the date of account opening then you’ll be charged around ₹600, otherwise no charges.

Also, if you haven’t upgraded your account to full KYC then your account will be blocked automatically after a year.


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 that you can use on an international website like Paypal, AliExpress, etc.

Hope you enjoyed reading this informative and useful post. If you have any queries regarding this article then comment below, we will love to solve them.



Debit Card


Kotak 811 is the best zero balance savings account in India. They offer a free international debit card which you can use for international transactions. Not required to maintain any monthly minimum balance.



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