Kotak Mobile Banking App

4.1
13.4L reviews
5Cr+
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
5 Apr 2024

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

Ratings and reviews

4.1
13.3L reviews
Shubham Bairagi
12 April 2024
my experience with this app is very frustrating. From constant crashes to sluggish performance, this app fails to meet even the most basic expectations from bank. Overall, my experience with the kotak Bank app has been overwhelmingly negative. It fails to deliver on its promises of convenience, security, and usability, leaving users frustrated and disillusioned. Unless significant improvements are made, I would advise anyone considering using this app to explore alternative banking options.
138 people found this review helpful
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Kotak Mahindra Bank Ltd.
12 April 2024
Hi! We have noticed your ratings over play store and would really like to help. We would request you to share your concerns by dropping an email from your registered email ID to us at social.experts@kotak.com and we will be happy to look into this for you. ^Team Kotak
Dhiraj Roy (dhiraj_roy870)
1 April 2024
😡🤬 Dear Kotak I am writing to express my frustration and disappointment with kotak app. I have been experiencing persistent issues with thr app, which have made it difficult for me to access my account. Every time i open the app, it gets stuck on the loading screen, displaying the "processing" message. Despite waiting for several minutes, the app does not proceed further, and i am forced to close it. I request you to look into this matter urgently and address the tech glitch.😡🤬
111 people found this review helpful
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Kotak Mahindra Bank Ltd.
1 April 2024
Hi! We’re sorry to hear about your experience. Kindly share your concerns at social.experts@kotak.com. Please mention the exact error message, CRN, Device model and OS version. We’ll work to expedite a resolution for you. ^Team Kotak
Rocky Norbert
16 April 2024
The app has been crashing as soon as it is opened. It's now nearly been a week or more. Yet no change. Did try clearing cashe, clearing dada, uninstalling and reinstalling. No change at all.
Did you find this helpful?
Kotak Mahindra Bank Ltd.
16 April 2024
Hi! We are sorry to know that you are facing some issues. We want to make things right here. Please drop us an email at Social.Experts@kotak.com elaborating on the concern and your CRN or contact details. We assure you that we shall do whatever it takes to fix this. ^Team Kotak

What's new


• General speed and design improvements.
• Bug fixes and enhanced security to improve your Mobile Banking experience.