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Submitted URL: https://bit.ly/3WkQEPm
Effective URL: https://www.kotak811.com/open-zero-balance-savings-account?source=811NewILSIX&banner=ILAFSix&pubild=normal811_4381_108444...
Submission: On April 28 via manual from IN — Scanned from DE
Effective URL: https://www.kotak811.com/open-zero-balance-savings-account?source=811NewILSIX&banner=ILAFSix&pubild=normal811_4381_108444...
Submission: On April 28 via manual from IN — Scanned from DE
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</form>Text Content
* language English
* English
OPEN ZERO BALANCE SAVINGS ACCOUNT ONLINE
Verify your Aadhaar & PAN and enjoy easy digital banking.
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
FULLY DIGITAL ACCOUNT OPENING
Open your Kotak811 account digitally from anywhere and anytime
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 and earn up to 4%*
interest p.a. on your savings
REWARDS
Shop online with 811 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 KOTAK811 DIGITAL SAVINGS ACCOUNT:
1. No need to maintain a minimum balance in your account
2. Get up to 4%* interest per annum on your account balance
3. Free 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
With Kotak811 you can Open Zero Balance Account Online or Download Instant
Savings Account Opening App from Google Play Store
Get a Kotak811 zero balance account in a few minutes, right from your home.
Open a zero balance digital savings account and book a Fixed Deposit and apply
for Credit Card online today.
BENEFITS OF 811 ZERO BALANCE SAVINGS ACCOUNT WITH UNLIMITED FEATURES
* 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 811
digital savings 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 a digital account online without any restrictions: Complete your
verification through Video KYC and open a digital savings account without any
restrictions.
* 811 #DreamDifferent Credit Card: Apply for Zero Balance Account and you can
apply for an 811 #DreamDifferent Credit Card without paperwork or joining &
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 Kotak 811#DreamDifferent 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
#DreamDifferent Credit Card.
Open zero balance 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 Rs. 50 lakhs will earn 4% interest p.a. Daily
balances in Savings Account up to Rs. 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 DIGITAL SAVINGS ACCOUNT IS FOR EVERYONE
* Are you looking to open a new zero balance account online? Now, open a
digital savings account using your 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 or an 811 Edge
Digital 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 digital savings account
also lets you transfer funds, pay bills and do more easily.
* Whether at work, at home or on vacation your 811 digital account is always
with you. We hope you are aware of Kotak 811 zero balance online account
opening process. Apply for Kotak811, one of the best digital bank account
that you can open online. You can open an 811 Digital savings Bank 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 digital 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 TO OPEN A ZERO BALANCE BANK ACCOUNT ONLINE?
* 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 account
holders do not have to maintain any average monthly balance (AMB).
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,
chequebooks, 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 KOTAK 811 ZERO BALANCE ACCOUNT ONLINE?
1. Opening a Kotak 811 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 within a few hours!
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.
WHAT IS A ZERO BALANCE SAVINGS ACCOUNT?
A zero balance savings account is a type of savings account where the Monthly
Average Balance (MAB) 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.
Open Digital Savings Account or Download Kotak811 Instant Savings Account
Opening App
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 BANK ACCOUNT ONLINE?
It is easy to open an online bank account in a few minutes. You need to visit
Kotak811 Website 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.
Online bank account opening with zero balance is quick and easy with Instant
Savings Account Opening App.
Steps to open a bank account online:
1. Download the 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 SECURED CREDIT CARD?
* 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 A SECURED CREDIT CARD?
* Interest on the FD account
* Availed credit limit is 90% of the FD amount
* 2x rewards on every Rs.100 spent online
Kotak811
Zero Balance Savings Account
Instant Savings Account Opening App
UPI payment App
Digital Savings Account
811 Edge Savings Account
© Kotak Mahindra Bank Limited