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  • Kotak Mahindra Mobile Banking

    To eliminate the gap that exists between account holders and banks and to stay connected all the time, Kotak Mahindra Bank has introduced mobile banking facility for their customers. Customers with an iPhone or an Android phone can access Kotak Mahindra mobile banking app and can bank on the go. From viewing past transactions and transferring funds to opening a recurring deposit account and paying bills, Kotak Mahindra Bank’s mobile banking app offers it all. Customers can now bank from the luxury of their home instead of waiting for hours in a bank.

    m Store: Customers can now book flight tickets using Kotak Mahindra mobile banking facility. Whether you want to book an international flight ticket or make hotel reservations, it is all possible using m store option available on Kotak Mahindra mobile app. Customers can also book bus tickets, buy adventure sports gears, book tours, shop on Flipkart, and subscribe to magazines using m store.

    My Kotak: If you are someone who likes to save all important information in one place, you will love Kotak Mahindra mobile banking app. My Kotak feature allows customers to select widgets to personalise their home page with the information they love to see. Customers can also switch off their MPIN and view certain information without logging into the app.

    Money Watch: Kotak Money Watch services offered by Kotak Mahindra is an expense management tool that allows the customers to view month on month expenses trends, set budget, view all transactions made, and keep a track of their expenses. This feature also has an option called Personal Finance Manager which allows customers to manage their finances on multiple Kotak or non-Kotak bank accounts.

    Hashtag Banking: Customers can check their account balance, transaction history, request a cheque book, or recharge their DTH account using Hashtag Banking. To use this feature, customers have to register to Hashtag Banking, follow Kotak Mahindra Bank on Twitter, and tweet to the bank’s twitter account using a hashtag. After the customer tweets, Kotak Mahindra Bank will send the information instantly to the customer’s personal twitter account.

    SMS Banking: For those who do not have a smartphone, Kotak Mahindra offers SMS Banking. Instead of browsing through the bank’s website for information, customers can now send a message to get the information they are looking for.

    Instant Balance Services: Obtaining information from Kotak Mahindra Bank is just a phone call away. Kotak Mahindra has a 24*7 customer care service offering account related information to customers via phone. Customers can call the bank’s toll-free number at 1800 274 0110 for Instant Balance Services.

    Benefits of Kotak Mahindra Mobile Banking

    • Mobile banking services offered by Kotak Mahindra Bank is convenient and saves time. Customers don’t have to walk into a bank for all queries.
    • Mobile banking keeps the customers updated about their account all the time which avoids fraud.
    • Customers don’t have to visit the bank for the information you can obtain easily online.
    • Kotak Mahindra mobile banking facility is free of cost. It is economical to keep an eye on your bank accounts without being charged for it.
    • Mobile banking alerts the customers of any bills that needs to be paid and thus ensures that they pay all their bills promptly.
    • Kotak Mahindra mobile banking app allows the customer to transfer funds instantly. Customers can now transfer funds without standing in the bank queue for hours.
    • Mobile banking is secure as it uses encrypted technology to transact. No information will be saved on the customer’s phone or SIM card.
    • Through mobile banking app, Kotak Mahindra alerts their customers about new products and services available. Customers are always aware of products they can avail through this feature.

    Kotak Mahindra Mobile Banking Fund Transfer Options

    • NEFT - National Electronic Fund Transfer (NEFT) is a national electronic payment system which allows Kotak Mahindra customers to transfer funds within the bank. To make a NEFT transfer, customers have to download Kotak Mahindra mobile banking app from Playstore on their iPhone or Android phone and register using their net banking login credentials. Customers will then have to add beneficiaries to the account. To add a beneficiary, customers will have to provide the beneficiary’s name, phone number, account number, IFSC code, and bank branch details. Post adding a beneficiary, the bank will take about 30 minutes to approve it. After receiving the approval, customers will be allowed to transfer up to Rs. 10 lakh to any Kotak Mahindra bank account holders.
    • Real Time Gross Settlement (RTGS): RTGS is another mode of transferring funds using Kotak Mahindra mobile banking app. The minimum amount that can be transferred using this option is Rs.2 lakh. Customers will have to add beneficiary before transferring the amount and the process to add a beneficiary will remain the same as for NEFT transfer.
    • IMPS- Kotak Mahindra Bank is aware that there will be emergency situations where customers will have to transfer funds immediately. That's why they have Immediate Payment Service (IMPS) option. Using the feature, customers can transfer their funds to any beneficiary immediately. The fund will be transferred instantly and the beneficiary will be able to withdraw the transferred amount in few minutes. This option is available 24*7 which makes it convenient.

    Kotak Mahindra Mobile Banking Security Measures

    • Kotak Mahindra Bank uses sophisticated encryption technology that secures the date transferred using their mobile app.
    • Data transferred from the bank’s mobile banking server is not saved on your phone or SIM card for safety purposes.

    NEFT, RTGS, and IMPS Timings

    Transaction Timings RTGS NEFT IMPS
    Monday – Saturday 8:00 AM – 4:00 PM (weekdays) 8 AM – 12 PM (Saturdays) 8:00 AM – 6:00 PM (weekdays) 8 AM – 12 PM (Saturdays) 24x7

    NEFT and IMPS Charges

    Transaction Charges NEFT
    Up to Rs. 1 lakh Rs. 5+ Service Tax
    Above Rs. 1 lakh and below Rs. 2 lakh Rs. 15 + Service Tax
    Above Rs. 2 lakh Rs. 20 + Service Tax
    Above Rs. 2 lakh Rs. 25 + Service Tax

    RTGS Charges

    Transaction Charges NEFT
    From Rs. 2 lakh to Rs. 5 lakh Rs. 25+ Service Tax
    Above Rs. 5 lakh Rs. 25 + Service Tax

    Kotak Mahindra Customer Care No.

    Kotak Mahindra Bank Branch Customer care number
    Ahmedabad 66006022
    Allahabad 011-66006022
    Bangalore 66006022
    Chennai 66006022
    Goa 9522-66006022
    Kolkata 65506022
    Indore 011-66006022
    Varanasi 011-66006022
    New Delhi 66006022

    GST of 18% is applicable on all banking products and services from July 1, 2017 onwards.

    Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.

    Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.

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    Kotak Mahindra Mobile Banking Reviews

  • Page 1 of 2 1 2
    • Kotak Debit Card
      "Good Bank"
      KOTAK MAHINDRA BANK
      0.5 4.0/5 "Great!"
      I have a Kotak Bank i opened through Online portal. It is Very Easy to Open .Zero Rupees Charges.I ordered for a Debit card of kotak bank i got it delivered.Kotak App is Very User Friendly to Everyone.Zero balance maintain No Extra Charges..Quite Good App
      Was this review helpful? 43
      , bangalore
      Reviewed on Feb 16, 2018
    • Kotak Debit Card
      "Decent Credit Card"
      KOTAK MAHINDRA BANK
      0.5 4.0/5 "Great!"
      I have a Salary account with them and the bank has offered a complimentary Credit card on the basis of this account. They have given me a Credit Limit of Rs.2.5 Lakhs, which I felt is quite a good one to have. One thing which let me down over here is their high interest rate. Also an added advantage is, they have good reward points system available with them.
      Was this review helpful? 16
      , chennai
      Reviewed on Jan 23, 2018
    • Kotak Debit Card
      "Good"
      KOTAK MAHINDRA BANK
      0.5 4.0/5 "Great!"
      I am using domestic debit card of Kotak Mahindra Bank. The daily withdrawal limit was 25,000 rupees which was satisfactory. I am using this debit card for the last six months. There is no charge for other ATM swipe. ATM facilities are good and enough.
      Was this review helpful? 19
      , navi mumbai
      Reviewed on Jan 04, 2018
    • Kotak Debit Card
      "Good service"
      KOTAK MAHINDRA BANK
      0.5 4.0/5 "Great!"
      Within 4days of time I got the car loan from Kotak Mahindra bank. The customer support is good with Kotak mahindra bank. The rate of interest which they have offered was low, when compared with other banks. The required loan amount has been disbursed and I am happy with it.
      Was this review helpful? 13
      , hyderabad
      Reviewed on Oct 16, 2017
    • Kotak Debit Card
      "Kotak Mahindra Bank Fraud Services"
      KOTAK MAHINDRA BANK
      0.5 0.5/5 "Unacceptable"
      Kotak Mahindra Bank has **fraud banking services**. Rs. 800+ charge for other ATM Withdraws. 10000+ Charge for not maintaining minimum balance. 1000+ for delayed credit card payments. One Purchase = Service Tax+Conversion Charge+Interest Charge+Actual MRPâ?¦. **Close all your accounts** of Kotak Mahindra Bankâ?¦
      Was this review helpful? 42
      , bangalore
      Reviewed on Apr 06, 2017
    • Kotak Debit Card
      "GOOD BANK BEST SERVICES GOOD JOB NICEBANK GOODRELATIONSHIP "
      KOTAK MAHINDRA BANK
      0.5 5.0/5 "Blown Away!"
      SUPPORTING WITH A MINIMUM WORKING TIME BANK QUICK DESISION WONDERFUL JOB GOOD PROVIDED BY OTHER BANKS LIKE ICICI, HDFC , IDBI , AXIS AND MORE NATIONALIZED BANKS FUTURE GOOD BANK MANAGMENT GOOD ALSO SUPPORT AND THANKS TO ALL THEY ARE HELPING PEOPLE THANK YOU AGAIN..
      Was this review helpful? 19
      , vadodara
      Reviewed on Mar 26, 2017
    • Kotak Debit Card
      "Share a experience with Kotak Mahindra Bank on line service"
      KOTAK MAHINDRA BANK
      0.5 4.0/5 "Great!"
      I like Kotak Mahindra Bank because this bank replied fast comparing with another bank.The process was comleted process on line with in a five minute.its pleasant experience when compared with other bank services I like Kotak than another private sector banks.
      Was this review helpful? 21
      , ahmedabad
      Reviewed on Mar 25, 2017
    • Kotak Debit Card
      "zero use for kotak rupay debit card"
      KOTAK MAHINDRA BANK
      0.5 0.5/5 "Unacceptable"
      i applied for a kotak mahindra rupay debit card after surrendering my existing visa debit card. firstly for some strange reason kotak doesnt allow rupay debit card as a addon card to my existing visa card. hence they automatically blocked my visa debit card on applying for rupay card. next i tried using the kotak rupay debit card on various POS terminals and online transactions. but it was declined everytime. later i got to know that they mention that it cant be used online. but there is no mention of non usage at POS too. after i tried it at around 20-30 machines i wrote them an email. to which they replied that there rupay card is not enabled for POS yet. and its not happening anytime soon. WHILE OTHER BANKS' RUPAY CARD WORKS EASILY ONLINE AS WELL AS AT POS, KOTAK CHOSES NOT TO ENABLE THESE. this card is only usefull for taking out cash from atm and that too only 10000. i was left bitterly dissapointed and have finally blocked it for reissue of visa debit card.
      Was this review helpful? 32
      , new delhi
      Reviewed on Mar 09, 2017
    • Kotak Debit Card
      "Very Poor service - Dont go for it - i am frustrated ."
      KOTAK MAHINDRA BANK
      0.5 0.5/5 "Unacceptable"
      Deducted money, I tried to communicate with them, but I didnt get any response. having many features of KOTAK bank is not good when it comes to customer service. Do not open your account in Kotak bank they will not give you service. I am frustrated with Kotak bank. Very bad feelings.
      Was this review helpful? 35
      , pune
      Reviewed on Dec 15, 2016
    • Kotak Debit Card
      "Make False Offer"
      KOTAK MAHINDRA BANK
      0.5 0.5/5 "Unacceptable"
      I'm a Kotak Platina Salary account holder which comes with a Kotak Platinum Debit Card. The Platinum Card holders has no withdrawal limit from Kotak and Non-Kotak ATM in india. Everything was going fine for last 1.5 year. I have been happily withdrawing cash around 10-15 times a month from Non-Kotak ATM. Suddenly they charged me with some CW Fee. Querying on that, I get to know that they downgraded my account upto five ATM transaction/Month. The reason of downgrading my account is many number of withdrawal of 300-400 INR. But still they are showing in the charges page the same unlimited Kotak and non-Kotak transaction. The link of the charges page is : http://www.kotak.com/service-charges.html
      Was this review helpful? 25
      , bangalore
      Reviewed on Dec 10, 2016
    • Kotak Debit Card
      "Good overall"
      KOTAK MAHINDRA BANK
      0.5 5.0/5 "Blown Away!"
      I am happy with the services and response I received from Kotak Mahindra Bank for the debit card application. They contacted me and informed me all the details and the procedure as well. Since I went ahead with another bank, I cancelled my application with them. I do not wish to comment on the charges.
      Was this review helpful? 12
      , mumbai
      Reviewed on Dec 05, 2016
    • Kotak Debit Card
      "KOTAK MAHINDRA CLASSIC DEBIT CARD"
      KOTAK MAHINDRA BANK
      0.5 5.0/5 "Blown Away!"
      I never new applying for KOTAK MAHINDRA CLASSIC DEBIT CARD will be so easy. Awaiting to open an account with KOTAK MAHINDRA & get the best previlages offered better than other banks. KOTAK BANK is doing well compared to other banks with Customer service. I have heard of the bank quite some time & eagerly waiting to have an account with KOTAK MAHINDRA.
      Was this review helpful? 9
      , bangalore
      Reviewed on Nov 30, 2016
    • Kotak Debit Card
      "Very use ful site, Its very easy-to-use site Bank Bazaar i l"
      KOTAK MAHINDRA BANK
      0.5 5.0/5 "Blown Away!"
      Very easy applying Very use ful site, Its very easy-to-use site Bank Bazaar i like it. Bank bazar is giving me too awesome offers and I would like to use all offers. I will tell about this to my relatives and my families and also my friends and I hope bank bazaar is giving us more offers in future. So, thanking you for this great offers..
      Was this review helpful? 16
      , indore
      Reviewed on Oct 26, 2016
    • Kotak Debit Card
      "Application for debit card"
      KOTAK MAHINDRA BANK
      0.5 4.5/5 "Excellent!"
      Excellent experience on line debit card application filling application. I am not experiencing any google service it is excellent so we can purchase all in one place with our debit card so I am very much assured to open account in any bank in our computer & use any places in india so my request to all dont miss this opportunity.
      Was this review helpful? 12
      , chennai
      Reviewed on Oct 12, 2016
    • Kotak Debit Card
      "Good service "
      KOTAK MAHINDRA BANK
      0.5 5.0/5 "Blown Away!"
      They are require a minimum balance of 10000Rs in the account.The service provided was good with Kotak Mahindra based on the saving account maintenance.They have responded on time for the application.They have taken around 5days to respond for the application
      Was this review helpful? 65
      , nagpur
      Reviewed on Jan 28, 2016
    • Kotak Debit Card
      "Wonderful service "
      KOTAK MAHINDRA BANK
      0.5 4.0/5 "Great!"
      I have opened and commercial account with Axis Bank so I was not requiring this saving account with Kotak Mahindra.The service provided by Kotak Mahindra was very good in account maintenance.They have provided wonderful service to the customer and the rates applied was around 9%.
      Was this review helpful? 23
      , pune
      Reviewed on Jan 14, 2016
    • Kotak Debit Card
      "Good bank"
      KOTAK MAHINDRA BANK
      0.5 5.0/5 "Blown Away!"
      I had my address proof which was not belonging to my personal address .The customer service provided was all good with Kotak Mahindra.They have to improve on the terms and conditions applied by Kotak.They have to works on the proofs required because all customer will not have the required proofs.
      Was this review helpful? 21
      , new delhi
      Reviewed on Jan 13, 2016
    • Kotak Debit Card
      "Need immediate response!"
      KOTAK MAHINDRA BANK
      0.5 2.0/5 "Expected more"
      Once I applied for a debit card with Kotak Mahindra bank, there was a delay in the response from the executives. But after 6 days they made a call to me and I am not able to respond to them properly. And as the online executive told me there are good offers on the debit card, I opted to take the debit card with them.
      Was this review helpful? 18
      , mumbai
      Reviewed on Jan 13, 2016
    • Kotak Debit Card
      "Good debit card feature"
      KOTAK MAHINDRA BANK
      0.5 4.0/5 "Great!"
      The response was good from kotak mahindra when i applied for the debit card and they gave all the details about the product. The debit card feature are good compare to other banks. I was not available in the station so the application was closed.
      Was this review helpful? 11
      , chandigarh
      Reviewed on Jan 13, 2016
    • Kotak Debit Card
      "Good "
      KOTAK MAHINDRA BANK
      0.5 4.0/5 "Great!"
      I have postponed the process of getting the debit card with the Kotak Mahindra Bank. Services and the follow up were good with them and I requested the executives to call back me after pongal. Response is immediate with them.
      Was this review helpful? 22
      , vijayawada
      Reviewed on Jan 13, 2016
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