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Submitted URL: https://ssinfotech10412745.o18.link/c?o=20339366&m=10071&a=495400&sub_aff_id=0471044
Effective URL: https://www.kotak811.com/open-zero-balance-savings-account?source=811MOBAV&banner=MOBAV&pubild=1020bbfc16857d7cf9311446ef...
Submission: On August 04 via manual from IN — Scanned from DE
Effective URL: https://www.kotak811.com/open-zero-balance-savings-account?source=811MOBAV&banner=MOBAV&pubild=1020bbfc16857d7cf9311446ef...
Submission: On August 04 via manual from IN — Scanned from DE
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</form>Text Content
* language English
* English
OPEN ZERO BALANCE SAVINGS ACCOUNT ONLINE & GET UP TO 7%* P.A. WITH ACTIVMONEY
Verify your Aadhaar & PAN and enjoy easy digital banking.
Or enter details
Mobile Number
+91
Email ID
Pincode
Enter your current residential pincode
By proceeding you agree to accept all applicable Terms & Conditions, and Privacy
Policy
Open Now
EARN FD-LIKE INTEREST IN SAVINGS A/C
No lock-in period or premature withdrawal charges
ONE APP BANK
Make all your money moves on the Kotak811 app, without ever moving out
ZERO BALANCE ACCOUNT
Save as you wish, with no minimum balance restrictions
REWARDS
Shop online with Kotak811 credit card for 2 reward points
811 BENEFITS
180+ features that let you carry out banking and do much more with just a few
taps
TOP 5 FEATURES OF ZERO BALANCE SAVINGS ACCOUNT:
1. No need to maintain a minimum balance in your account.
2. Get up to 7%** interest per annum on your account balance with ActivMoney.
3. Virtual Debit Card and Lifetime free Credit Card (subject to eligibility).
4. Free digital transactions like NEFT, IMPS, UPI, Pay your contact, Scan &
Pay.
5. Round the clock account access through the Internet and Mobile Banking.
BENEFITS OF ZERO BALANCE SAVINGS ACCOUNT:
* Get the full-fledged award-winning 811 experience: With unlimited account
validity and unrestricted deposits and spends. Complete your KYC verification
of your zero balance savings account right from your home
* Minimum Balance: As it is a zero balance saving account, there are no charges
or fine for non-maintenance of the minimum balance. Now, spend your balance
to the last rupee without any worry.
* Virtual Debit Card: Get a Virtual Debit Card instantly for online shopping
* Transfer Money: Transfer money online for free and with ease from your zero
balance account.
* New Age Banking: Find all your banking solutions for your new zero balance
account in one single touch. Get 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 your zero balance account online without any restrictions: Complete your
verification through Video KYC and open zero account without any
restrictions.
* 811 #DreamDifferent Credit Card: With zero balance account you can apply for
an 811 #DreamDifferent Credit Card without paperwork or joining and Annual
Fee. Get 2 reward points on online spends!
HOW TO APPLY FOR A CREDIT CARD DURING THE 811 ACCOUNT OPENING?
Getting a credit card is now easier and quicker. Apply for your card online
without any documentation while we set up your 811 savings account. During the
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 A LOW CIBIL SCORE?
Don’t worry, you can still get a Dream Different Credit Card which is a card
against the fixed deposit. You can open this account online without income proof
or a salary slip. You can complete your credit card application online without
any documentation. This card is against fixed deposit and you get a 90% credit
limit. Why go for a Credit card against a fixed deposit? Get this card and use
it at a regular frequency and pay your dues on time. It helps you to build your
CIBIL score and improve your CIBIL score. A good CIBIL score helps you get
unsecured credit cards 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 Kotak811 Dream
Different Credit Card. Open zero balance savings account online from anywhere in
India using your phone in a couple of minutes.
Disclaimers:
Applicable for Resident Indian Individuals only w.e.f. Jun 13, 2022, daily
balances in Savings Account above ₹50 lakhs will earn 4% interest p.a. Daily
balances in Savings Account up to ₹50 lakhs will continue to earn 3.50% interest
p.a. These interest rates are applicable for Resident Accounts only. 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/home.html
Kotak Bank Registered Address:
27BKC, C 27, G Block, Bandra Kurla Complex, Bandra (East), Mumbai, Maharashtra,
400051
KOTAK811 ZERO BALANCE ACCOUNT IS FOR EVERYONE
* Are you looking to open a new zero balance account online? Now, open zero
balance account using your Aadhaar and PAN Card along with other details.
* Kotak811 is a zero balance savings account that can be opened online by
everyone (Resident Indian individuals only). Kotak811 Savings Account lets
you apply for a zero balance savings account or an 811 Edge savings account
based on your needs, which acts as a one-stop solution for all your financial
needs and day to day transactions.
* Apply for a Kotak811 Zero Balance Savings account and grow your money by
booking a Fixed Deposit of a minimum of ₹5,000. The savings account also lets
you transfer funds, pay bills and do more easily.
* Whether at work, at home or on vacation your 811 account is always with you.
We hope you are aware of Kotak811 zero balance online account opening
process. Apply for Kotak811, one of the best savings account that you can
open online. You can open an 811 account instantly, without ever stepping out
of your home.
* Kotak811 is a zero balance saving 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 a zero balance saving account online with Kotak811 and
start banking with one of the best digital bank account.
* Kotak811 is a zero balance account that you can open online. The online
savings account opening process is seamless, has zero contact, and barely
takes a few minutes.
Disclaimers
Providing Aadhaar is voluntary. Scan and Pay through your Kotak Mobile Banking
App at select in-store outlets.
WHY YOU SHOULD CHOOSE ZERO BALANCE ACCOUNT?
* No minimum average balance: Make the most of the no monthly average balance
maintenance requirement.
* Paperless account opening process: Choose the convenience of opening a zero
balance account online within a few minutes - anytime, anywhere.
* Additional benefits: A free virtual debit card, plus cash and cheque deposits
at the bank’s branch.
* Digital payments: Make digital payments easily using NEFT, UPI and Scan &
Pay.
WHAT IS A ZERO BALANCE SAVINGS ACCOUNT?
A zero balance savings account is a type of savings account where the Average
Monthly Balance (AMB) is waived off. There is no hidden charges associated with
a zero balance savings account. In a normal savings account, customers have to
maintain a monthly average balance in the account at all times and if by any
chance the required criteria are not met, an additional fee or penalty is
charged. When customers open a zero balance account, they are entitled to earn
interest on the entire amount deposited in the account.
5 THINGS YOU SHOULD KNOW ABOUT ZERO BALANCE SAVINGS ACCOUNT
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 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,
Chequebook, internet banking, and mobile banking.
5. Open zero balance savings account instantly through Aadhaar OTP
verification. Then, complete the full KYC process of your account through
in-person verification within 12 months by visiting your nearest bank branch
or booking an appointment.
Need help? Give us a call at 1860 2660 811 (Monday to Saturday 9.30 AM to 6.30
PM excluding Bank holidays) or check out our FAQs & Terms and Conditions. (Local
call charges apply).
HOW TO OPEN ZERO BALANCE ACCOUNT ONLINE?
1. Opening a Kotak811 zero balance online is extremely easy and takes just a
few minutes. You can opt for a video KYC process and open a full-fledged
savings account!
2. Enter your name, mobile number, and email ID. Tick the checkboxes if you
are not a politically exposed person and you are an Indian resident.
3. You will receive an OTP on your mobile number. Enter the OTP.
4. As per RBI’s regulation, banks can open zero balance savings account online
through Aadhaar OTP verification.
5. Enter your PAN and Aadhaar number. You need to authorize the bank to access
your Aadhaar details and biometric information for verification.
6. Add the OTP that you have received on your Aadhaar registered mobile
number.
7. You can now see your address as per your Aadhaar records. Use this address
or add another address as your communication address.
8. Add details such as the father’s and mother’s name, occupation, gender and
annual income. The bank will fetch your date of birth from the Aadhaar
database. You can also add nominee details.
9. Review the details that you have added before proceeding with the Video KYC
verification process.
10. Accept the terms and conditions.
11. In this step, you can add a different communication address.
12. Provide location access and you will be connected to a bank agent who will
carry out the video KYC process. After the video-based KYC is completed,
your account will be opened within a few hours upon successful
verification. The account will be a full-fledged savings account without
any limitations or restrictions.
WHY YOU SHOULD CHOOSE TO OPEN A ZERO BALANCE BANK ACCOUNT ONLINE?
1. No minimum average balance: Make the most of the no monthly average balance
maintenance requirement.
2. Paperless account opening process: Choose the convenience of opening a zero
balance account online within a few minutes - anytime, anywhere.
3. Additional benefits: A free virtual debit card, plus cash and cheque
deposits at the bank’s branch.
4. Digital payments: Make digital payments easily using NEFT, UPI and Scan &
Pay.
WHO CAN OPEN A ZERO BALANCE ACCOUNT?
Every individual who is a resident of India is eligible to open a zero balance
account. To open a zero balance account online, one needs to have a valid
Aadhaar and PAN card. As per RBI’s regulation, banks can open a savings account
online through Aadhaar OTP verification.
HOW TO OPEN A ZERO BALANCE SAVINGS ACCOUNT ONLINE?
It is easy to open an online bank account in a few minutes. You need to visit
Kotak 811 or download the Instant Savings Account Opening App. Share some basic
information. The entered details will be validated at our end. The next step is
to complete your KYC online or offline. Either you can book an appointment with
a bank official to complete the video KYC process from the comfort of your home
or visit the nearest branch to submit the KYC documents.
With the new Video KYC zero contact process you can Open Zero Balance Savings
Account
STEPS TO OPEN A BANK ACCOUNT ONLINE:
1. Download the Kotak811 App or visit the website
2. Share your name, contact number and email ID
3. You will receive an OTP to validate your mobile number
4. After verification, the bank will ask for your PAN and Aadhaar
5. Enter the OTP you have received on your Aadhaar registered mobile number
6. Accept the terms and conditions
7. Your account is ready
WHAT IS A SECURED CREDIT CARD?
A credit card issued against a fixed deposit is a secured credit card. It is
ideal for people who are new to credit or have a low CIBIL score.
WHY IS AN FD NEEDED TO GET A CREDIT CARD?
In case, your credit score doesn't match the eligibility criteria to issue an
unsecured credit card, you can still get a credit card by opening a refundable
fixed deposit account with us.
WHAT ARE THE BENEFITS OF A CREDIT CARD AGAINST FIXED DEPOSIT?
* You earn interest on the FD account
* Use the credit card to avail exciting reward points
* You can build your credit score
WHAT ARE THE FEATURES OF CREDIT CARD AGAINST FIXED DEPOSIT?
* Interest on the FD account
* Availed credit limit is 90% of the FD amount
* 2 rewards on every ₹100 spent online
**How ActivMoney works? & ActivMoney Terms and Condition
Kotak811
Zero Balance Savings Account
Instant Savings Account Opening App
UPI payment App
811 Digital Savings Account
811 Edge Savings Account
© Kotak Mahindra Bank Limited