Open Online Zero Balance Savings Account in 5

minutes
Top features of Zero Balance Digital Savings Account:

No Maintenance Fees
Up to 4% interest per annum
Lifetime Free Credit Card
Get a Virtual Debit Card instantly

Your full name

Mobile number

Email

I am not a Politically Exposed Person

I am an Indian citizen and a tax resident of India and of no other country

OPEN NOW

By choosing to continue, you agree to accept all

applicable
Terms & Conditions
, 811 Fees and Charges and Privacy Policy

811 Digital Savings Account is for everyone

Are you looking to open a zero balance account online? Now, open a
digital savings account using Aadhaar and PAN Card along with other
details.

Kotak811 is a digital zero balance savings account that can be opened

online by everyone (Resident Indian individuals only). Kotak811 Digital
Savings Account lets you apply for a Zero Balance Savings Account
online or an 811 Edge Digital Savings Account based on your needs.

Explore 811 Variants

Apply for Zero Balance Savings account and grow your money with up
to 4% interest p.a. The digital savings account helps with regular
banking activities like transferring funds, paying bills and more.

Open Zero Balance Account Online

Zero Balance Savings account up to 4%*

interest p.a. along with other benefits.

No Maintenance Fees
Dont worry about maintaining minimum

balance in your account. Kotak 811 is a zero

balance account i.e. you pay zero charges

for non-maintenance of balance.

Need help? Give us a call at
1860 2660 811(local call
charges apply) or check out our FAQs & Kotak 811
Zero Balance Account Terms and Condition

*Disclaimer

Benefits of Zero Balance Account

Get the full-fledged Kotak811 digital banking experience - with unlimited

account validity and unrestricted deposits and spends. Complete the
Video KYC verification of your Zero Balance Account right from your
home.

Zero Balance Account

Features of Zero Balance Account

Minimum Balance: As it is a zero balance account, there are no charges on non -

maintenance of minimum balance. Spend your balance to the last rupee without any
worry.
Virtual Debit Card: Get a Virtual Debit Card instantly for online shopping and digital
payments.
Transfer Money: Transfer money online for free and with ease from your Kotak811 zero
balance account.
New Age Banking: 180+ features that let you carry out your banking transactions, pay
bills, invest, shop and do much more with just a few taps. The app is secure with two-
factor authentication and has an easy interface.
Open a digital bank account online without any restrictions: Complete your verification
through Video KYC and open a zero balance account without any restrictions.
Kotak811 #DreamDifferent Credit Card: Apply for Zero Balance Account and you can
instantly get a #DreamDifferent Credit Card without paying any joining & annual fees.

Advantages of Full KYC Verification

How to apply Credit card during 811 account opening?
Getting a credit card is now easier and quicker. Apply for your card online without any
documentation while we setup your 811 savings account.
During 811 account opening journey, give consent to check your CIBIL score and
continue your account opening journey and we will check your eligibility for the card.
Basis eligibility, on the Thank you page, you can complete the credit card application by
submitting your employment details.

Don’t have a CIBIL history or Low CIBIL score?

Don’t worry, you can still get a Kotak 811#DreamDifferent credit card which is a card
against Fixed deposit. You can open this account online without income proof or salary
slip.
You can complete your credit card application online without any documentation. This
card is against fixed deposit and you get 90% credit limit.
Why go for Credit card against fixed deposit? Get this card and use it at regular
frequency and pay your dues on time. It helps you to build your CIBIL score and improve
your CIBIL score. Good CIBIL score helps you get Unsecured credit card and Loans.

Enjoy the benefits of interest free cash withdrawals, rewards on all purchases, a credit
limit of up to 80% of your fixed deposit amount and a free Credit Card for life – all with
the Kotak 811 #DreamDifferent Credit Card.

Disclaimers:

Issuance of credit cards is at the sole discretion of Kotak Mahindra Bank Limited. All
features and benefits are subject to Credit Card Terms and Conditions. Please read the
Credit Card terms and conditions carefully provided on the bank website
https://www.kotak.com/en.html

Kotak Bank Registered Address: 27BKC, C 27, G Block, Bandra Kurla Complex,
Bandra(East), Mumbai, Maharashtra, 400051

Join the 811 club today

OPEN NOW
 No hidden charges, takes only 5 minutes.

Explore Zero Balance Account Opening Online with

Kotak811

Whether you are at work, home or vacation your Kotak811 Digital

Savings Account is always with you.

We hope you are aware of Kotak811 zero balance online account opening process.
Apply for one of the best digital bank account online. You can open an 811 Digital
Savings Account in an instant, without ever stepping out of your home.

Kotak811 is a zero balance savings account. This means that you don’t have to pay any
penalties for not maintaining a minimum balance. So, what are you waiting for? Open
zero balance savings account online with Kotak811 and start banking with one of the
best digital bank account.

Kotak811 is a digital zero balance account that you can open online. The account
opening process is seamless, and barely takes a few minutes. Just keep your PAN &
Aadhaar number handy to open the online savings account from the comfort of your
home or office.

Online Bank Account Opening with Zero Balance

*Disclaimer

Providing Aadhaar is voluntary.

Scan and Pay through your Kotak Mobile Banking App at select in-store outlets.

Top 5 features of Kotak811 digital savings account:

No need to maintain minimum balance in your account
Get up to 4%* interest per annum on your account balance
Free Virtual Debit Card and Lifetime free Credit Card(subject to eligibility
Free digital transactions like NEFT, IMPS, UPI, Pay Your Contact, Scan & Pay
Round the clock account access through Internet and Mobile Banking

Open Digital Savings Account or Download Kotak811 Instant Savings Account Opening
App
 5 Things You Should Know About Zero Balance Savings
Accounts:
1. There are no minimum-balance commitments in a zero balance savings account. So,
you can spend even the last rupee in your account without worrying about penalties.
2. You can open a digital zero balance account online from the comfort of your home. All
you need is your PAN and Aadhaar number.
3. Earn the prevailing interest on your zero balance savings account deposits.
4. With your zero balance account, enjoy facilities such as debit cards, cheque books,
internet banking and mobile banking.
5. Open a zero balance savings account instantly through Aadhaar OTP verification.
Then, complete the full KYC process of your account through in-person verification
within 180 days from account opening by visiting your nearest bank branch or booking
an appointment.

Zero Balance Savings Account

IMPORTANT: Please ensure that you complete your Full KYC within 180 days from
account opening to enjoy uninterrupted services at all times. If Full KYC is not completed
within 180 days from account opening, your account will be blocked from transactions.
However, you would still be able to complete your Full KYC and resume banking easily. If
Full KYC is not completed within 365 days from account opening, your account will
expire permanently with no possibility of reactivation.

Zero balance account opening online can’t be any easier. Key in your PAN and Aadhaar
details and complete the VKYC to enjoy the unlimited benefits of the Kotak811 digital
savings account. Get a simplified banking experience for all your financial needs. Start
saving with the trust of Kotak Mahindra Bank and the multitude of features of a
Kotak811 savings account. One account is all you need to take care of savings,
investments, credit cards, shopping, loans, and much more.

A savings account that behaves the way you would want it to:
Zero maintenance charges
No hidden charges
Complimentary virtual debit card
Up to 4% interest p.a. on savings
Credit card without credit score
Free digital transactions
Shop, dine, and book tickets all at one place
Option to invest
Apply for a loan
Health and personal insurance

Now is the time to get more done with Kotak811 zero balance account. Just don’t Bank,
let your money grow.

Zero Balance Account Opening Online

Choose from the various types of Kotak 811 Savings

Accounts:
Explore 811 Variants

Kotak811 FAQs

How to open Kotak 811 zero balance account online?

Why you should choose to open a zero balance bank account online?

What is a zero balance savings account?

Who can open zero balance account?

How to open bank account online?

What is a secured credit card?

Why is an FD needed to get a credit card?

What are the benefits of a secured credit card?

What are the features of a secured credit card?

View all Kotak811 FAQs

Customer

Customer speaks

"For a young financial professional like me,

Kotak 811 app gives me an opportunity to
park my funds at up to 4% without any risk."

Prem, Investment Banker, Mumbai