Kotak-811,UPI,Payments & Loans

4.3
1.17M reviews
50M+
Downloads
Content rating
Everyone
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About this app

The Kotak Mobile Banking App, a best in class App, provides banking on the go, which is a must in today’s digital era.
If you are not an existing Kotak customer, you can open a Kotak Savings account or an 811 digital bank account by visiting your nearest branch.

If you are an existing Kotak customer, you can use the 250+ features of the app to Bank, Pay bills, Invest, Shop and access services.
One of our recent additions to the 250+ features is our new Pay Your Contact feature, where you can now send money to anyone using just their mobile Number

• Bank on the go:
Manage all your financial transactions, send and receive money through NEFT, IMPS and RTGS & UPI, request for a cheque book and much more
• Shop at your fingertips:
Dive into KayMall and shop via Flipkart, Amazon, Bigbasket, book flights and hotel rooms via Goibibo and book train tickets (IRCTC Authorized Partner) and much more
• Pay your bills:
Pay your Mobile Recharge, DTH payments and other bills with the online BillPay feature. Also, use the AutoPay feature to remember your monthly bills and pay them automatically from your account. Never miss a deadline again
• Services:
Instant completion on requesting for services such as updation of profile details, switching on/off of your Debit/Credit Card online

There's a lot more you can do with our Mobile Banking App:
• Transfer money instantly using BHIM UPI without the need for any bank information
• Transfer funds easily on the go without registering a beneficiary
• Send money with Pay Your Contact, by just knowing your beneficiary’s mobile number
• Book train tickets (IRCTC Authorized Partner), Flight tickets, Bus tickets, Hotels. Shop on Amazon, Flipkart, BigBasket, and more in KayMall
• Recharge your mobile & DTH subscriptions with ease
• Purchase and redeem Mutual Funds and keep track of your investments
• Apply for a Kotak Credit Card
• Regenerate your Debit and Credit card PINs
• In case of loss, temporarily switch off your Kotak Debit Card for security purpose
• Pay Credit Card bill online
• Check your Bank Account statement
• Check your account balance
• Pay your bills, open a Term Deposit
• Post opening Account, go to Manage Profile and Click a selfie or upload your photo to set as profile picture

And that’s not all!
Mid-month cash crunch or an emergency? Get your salary in advance!
Kotak Payday Loan is available with just a few taps. Repay the loan when your salary gets credited next month.
Features of Payday Loan:
• Get a loan within seconds starting at Rs.3,000
• Pay interest as low as Re.1 per day
• Avail loan with no documentation
Eligible users can apply from the ‘Apply Now’ section.


Get started:
To get started, you just need your Customer Relationship Number (CRN), your Debit / Credit Card PIN or your Net Banking password to get started. The app will take you through a one-time activation process when you login for the first time.


Kotak Bank App requires following permissions:
- Contacts: This is required to allow you fetching mobile number while mobile / DTH recharge or sharing IFSC/MMID
- Location: This is required for Branch / ATM locator
- Photos / Media / Files / Camera: This is required to let you access gallery / click an image to set profile picture.
- Phone: This is required to let you dial customer contact center
- SMS: This is required to auto activate the device during activation process.
- Read SMS : This will be applicable for select customers and basis customers' specific consent, KMB App will access device level alternate data for credit risk assessment and decisioning towards better product offering.

Please note that your data is safe with Kotak Mahindra bank. We do not share any information with third party without your initiation.
Updated on
Jan 29, 2023

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
No data shared with third parties
Learn more about how developers declare sharing
This app may collect these data types
Location, Personal info and 5 others
Data is encrypted in transit
Data can’t be deleted
4.3
1.17M reviews
Aditya Kurhade
January 28, 2023
It's great to have everything you need in single application. But sometimes spendz scanner doesn't work as fast as it needs to be. Like other UPI apps it takes time to recognise QR code. In shaky situations like traveling in bus or train it works very slow and it's not desirable in that situation.
32 people found this review helpful
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Kotak Mahindra Bank Ltd.
January 28, 2023
Hi! Thank you for the review. We strive to improve our app based on user feedback. Please keep an eye out for future app updates to enhance your mobile banking experience. ^Team Kotak
Rudradeep Deb
January 5, 2023
Update: Increasing the rating as this has improved. ...can someone start looking into this awfully slow app experience? I've noticed this since last one month now but the app has become pathetically slow. Inspite of me being connected to a fast internet, the app simply keeps on loading - sometime returning an error saying you are not connected to internet, while sometimes loads but after a long time. It used to be great until few months back but started really deteriorating over the past month.
758 people found this review helpful
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Kotak Mahindra Bank Ltd.
January 5, 2023
Hi! At which point do you experience the slow response?The slowness could also be due to connectivity issues. Please do write to us from your registered email ID at Social.Experts@kotak.com along with your contact number and we'll connect with you to discuss. ^Team Kotak
neha pipada
November 30, 2022
The application doesn't even opens most of the time. Despite having a good network speed ysing wifi, I have seen this issue in multiple devices. Need to make this app easier to open. Also, to switch in between accounts, we need to close the app and then switch accounts. There's some another issue coming now a days where there's a pop up saying operation not completed which is very irritating! App surely needs a rethink!
2,529 people found this review helpful
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Kotak Mahindra Bank Ltd.
November 30, 2022
Hi! We request you to elaborate your concern to social.experts@kotak.com. Please mention the exact error message, CRN, Device model and OS version. We will definitely look into this. ^Team Kotak

What's new


1. Mandatory Update: To enjoy a seamless banking experience, upgrade to the latest version of the Kotak mobile banking app by 8 Feb’23
2. Credit cards: Now you can check your in-process credit card transactions in the transaction history section.
3. RM Connect: Now see your Relationship Manager details from Help & Support
4. Security: Minor App fixes/security enhancements to improve your banking experience
5. One View: Experience a revamped journey for One View to view your Net Worth