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Kotak Mobile Banking

Kotak Mobile Banking Details

Last Updated 08th Jun 2021

BHIM Kotakpay, Kotak Bharat Banking, Kotak AllPay, Kotak - 811 & Mobile Banking is the mobile banking application for retail as well as corporate customers to transact banking services like fund transfer, paying bills, booking tickets etc.

Application Platform Google Playstore, Apple Store
App Names BHIM Kotakpay, Kotak Bharat Banking, Kotak AllPay, Kotak - 811 & Mobile Banking
Services Offered Fund Transfer, Book online tickets, Making Payments, Opening FD/RD Account etc.
Fund Transfer Methods IMPS, NEFT, RTGS
Registration Methods Visit Bank Branch/ATM
Online through Mobile App
Benefits Available 24*7
Accessible everywhere
Convenient
Yes Bank
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5.5%* interest p.a + up to 1500** YES Rewardz Points on account opening
Earn up to 50k** YES Rewardz Points in 1st year
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Disclaimer: For balance above INR 10 lcs to INR 1Cr. For YES FIRST customers. Terms and conditions apply. For more details please visit: www.yesrewardz.com
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Kotak Mobile Banking

Kotak is one of the largest Private Bank in India that provides mobile banking services through BHIM Kotakpay, Kotak Bharat Banking, Kotak AllPay, Kotak - 811 & Mobile Banking. Account-holders of Kotak can access banking services anytime and anywhere using their smartphones. To avail the mobile banking services such as balance enquiry, transfer of funds, bill payments, instant opening or closing of FDs and RDs and much more users must register for Mobile Banking Services with their registered mobile number.

Key Highlights of Kotak Bank Mobile Banking

Kotak - 811 & Mobile Banking

  • With Kotak - 811 & Mobile Banking users can easily access their account, transfer funds, view account statements etc. with a few clicks anytime and anywhere.

Key features of Kotak app are:

  • You can download the app from Apple App Store / Google Play Store or by visiting app.kotak.com.
  • With BHIM UPI, you can transfer funds instantly without any account information.
  • You can use Kotak- 811 & Mobile Banking App for services like transfer funds, making payments, shopping services, access account details, apply for credit card etc.

How to Register for Kotak Mobile Banking Application?

To register for Kotak app, follow the below-mentioned procedure.
  • To use the mobile banking services of Kotak - 811 & Mobile Banking you need to follow the below-mentioned procedure.
  • Firstly, download and install the Kotak - 811 & Mobile Banking App.
  • Now, enter your Customer Relationship number mentioned on your Debit Card/cheque book and Net Banking password or Debit /Credit Card PIN.
  • Next, create a 6 digit MPIN (Mobile Banking password).
  • You will now receive an SMS with the activation key on your registered number.
  • Finally, send this SMS to 5676788 or +919971056767.

How to Login to Kotak Mobile Banking Services?

To log in to Kotak app, follow the steps mentioned below:
  • Firstly, open Kotak - 811 & Mobile Banking App.
  • Now, enter your 6 digit MPIN (Mobile Banking password).

Services Available on Kotak Mobile Banking App

With Kotak Bank mobile banking app users can make financial transactions by sitting anywhere through their smartphones if they have an internet connection.

  • Account-holders of Kotak Bank can transfer funds through different modes such as NEFT, RTGS or IMPS between their own accounts or to another account of any bank by using the mobile banking services of Kotak Bank.
  • You can also book online tickets through air, road or train by using mobile banking.
  • If you want to open an FD/RD Account or invest in mutual funds or any other investment schemes, you can do so by using Kotak Bank mobile banking app.
  • With Kotak Bank Mobile Banking App, you can also request for issues of Demand Draft and Cheque Book, the opening of new accounts and closure of Loan Accounts.
  • Users can further make various payments of utility bills, LIC and other insurance premium payments, credit card dues payments and tax payments using mobile banking app.
  • You can also access your account statement and account summary online using Kotak mobile banking app.

Kotak Fund Transfer Options

Kotak Bank provides the facility to transfer funds to the accounts of third parties using different modes such as NEFT, RTGS and IMPS.

NEFT

NEFT or National Electronic Funds Transfer is the inter-banking facility to transfer funds from one institution to another institution within the country. NEFT is based on Deferred Net settlement which means the amount is credited in hourly batches along with the other payments. So, all the requests received in 30 minutes will be completed together.

  • To transfer money through Kotak NEFT, one needs to have required bank details, including the IFSC code of the recipient's Bank.
  • There is no minimum cap for transferring money through Kotak NEFT. However, you can transfer upto ₹10 Lakhs through NEFT facility.
  • While the beneficiary does not have to pay any transfer charges to receive money through NEFT, however, the person doing the NEFT transaction through Kotak NEFT, has to bear Nil NEFT charges for fund transfer.
  • Also, Kotak NEFT money transfer facility is available for NRE/ NRO accounts in the country.

RTGS

RTGS or Real Time Gross Settlement is the transfer of money from one bank to another bank on a real-time or gross basis. The term 'Real-time' means that the payment is made instantly without any delay. The gross settlement means the money is transferred on one to one basis. Presently, there are 140,000 RTGS-enabled bank branches in India.

  • If you want to transfer money through Kotak RTGS, you would require the following details of the recipients.
    • The amount of transfer
    • The account number
    • Recipient and bank name
    • The recipient IFSC code
  • You can transfer up to ₹ 10 Lakhs through Kotak RTGS facility of fund transfer.
  • While the beneficiary does not have to pay any transfer charges to receive money through RTGS, however, the person doing the RTGS transaction through Kotak RTGS, has to bear RTGS charges for fund transfer.

IMPS

Immediate payment service or IMPS is a real-time fund transfer system from Kotak to another bank. To transfer money through IMPS, you need the recipient's mobile number and the generated MMID code or account number and IFSC or Aadhaar number. In India, about 498 banks are part of the IMPS system.

  • You can transfer money 24*7 through Kotak IMPS facility at any time of the day, unlike other modes of money transfers.
  • While the beneficiary does not have to pay any transfer charges to receive money through IMPS, however, the person doing the IMPS transaction through Kotak IMPS, has to bear Nil IMPS charges for fund transfer.

How to Transfer Funds on Kotak App?

If you want to transfer funds through the Kotak app, follow these steps.

  • Firstly, log in your Kotak Bank Net Banking Portal.
  • To add a beneficiary, click on Transfers and Payments and then on Add / Manage Beneficiaries to add beneficiary details. Now, add transfer type and enter the required information. After entering the details, verify the details and click on Confirm. Finally, enter the activation code sent to your mobile.
  • Now, click on Transfer type and choose the required Transfer type.
  • Next, enter the account details and click on submit button.
  • Finally, verify the details and click on Confirm and Transfer.

Kotak Bank Mobile Apps

Kotak Bank provides Mobile Banking Services through the following apps:

Application Name Features
Kotak - 811 & Mobile Banking
  • You can download the app from Apple App Store / Google Play Store or by visiting app.kotak.com.
  • With BHIM UPI, you can transfer funds instantly without any account information.
  • You can use Kotak- 811 & Mobile Banking App for services like transfer funds, making payments, shopping services, access account details, apply for credit card etc.

Kotak Bank NEFT, RTGS, IMPS – Timings, Charges and Limits

Transaction Type Charges Per Day Limit Timings
IMPS Nil ₹2 Lakhs 24*7, 365 Days
NEFT Nil ₹10 Lakhs
RTGS ₹10 Lakhs

Kotak Mobile Banking: Do's and Don'ts

Following are the do's and don'ts that you must remember while using Kotak mobile banking services.

Do's

  • A unique and strong password consisting of a mix of alphanumeric and special characters must secure your mobile phone.
  • It would be best if you changed your password on a regular basis.
  • If your mobile phone is lost or stolen, you must immediately report to the bank as well as the nearest police station.

Don'ts

  • Never share confidential information on any other website.
  • Do not share any banking information on your phone.
  • It would be best if you informed the bank immediately in case of a change in your mobile number.

FAQs

How can I register for Kotak mobile banking?

You can register for Kotak mobile banking services by filling the mobile registration form along with required documents for Identity Proof to the Kotak branch. You can also register for Kotak mobile banking services by downloading the Kotak App from your play store and then complete the registration process by setting your mPIN.

What is Kotak mobile banking?

Kotak Bank provides mobile banking facility to its users through the Kotak App. Customers can make financial transactions like Fund Transfer, Making Utility Bill Payment, getting a new credit/ debit card etc. to enjoy banking services anytime and anywhere using their smartphone device.

Which is the mobile app for Kotak?

Kotak offers mobile banking services to Kotak customers through Kotak apps such as BHIM Kotakpay, Kotak Bharat Banking, Kotak AllPay, Kotak - 811 & Mobile Banking.

How can I get my Kotak Bank online banking username and password?

Kotak provides username and password with pre-printed kit if you register for Kotak internet banking application by visiting the bank. You can use the same username and password while you register for mobile banking services online to get a new mPIN.

How do I activate mobile banking?

You can activate for Kotak mobile banking services by registering for mobile banking services by visiting the Kotak Bank or online by downloading the Kotak app from your play store. After completing the registration process, set up your mPIN and then log in using your mPIN or user name and ID to complete the activation process for mobile banking.


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