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Open Online Zero Balance Saving Account


Zero Balance account in a few minutes, right from your home.

Open Zero balance digital savings account and book a Fixed Deposit and apply for a lifetime free #DreamDifferent Credit Card today.


Open Now
811 Digital

Savings Account is for everyone


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

Kotak 811 is a digital zero balance savings account that can be opened online by everyone (Resident Indian individuals only). Kotak 811 Digital Savings Account lets you apply for 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 Kotak 811 Zero Balance Savings account and grow your money by booking Fixed Deposit of minimum ₹10,000. The digital savings account also lets you transfer funds, pay bills and do more easily.

Zero Balance Savings account up to 3.5%* interest p.a. along with other benefits

Need help? Give us a call at +(91) 90455 99481 or check out our FAQs .

Virtual Debit Card

Get your card number instantly with a Virtual Debit Card & start transacting & paying online.

No Maintenance Fees

Don’t worry about maintaining a minimum account balance.Your 811 account has zero charges for non-maintenance of balance.

Get Interest On Your Balance

Avail up to 3.5%* interest per annum on your account balance.

Scan And Pay^

Why use cash or cards when you can scan and pay for your bills & purchases?

Award Winning Services

Experience Kotak 811 and know why it has received awards and accolades in the world of banking.

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.

Kotak 811 Features

Minimum Balance: As it is a zero balance saving account, there are no charges or fine on non-maintenance of 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 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 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 811 #DreamDifferent Credit Card without paperwork or joining & annual Fee. Get 2X reward points on online spends!

Join the 811 club today

No hidden charges, takes only 5 minutes


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