Kotak Bank (New)

Name: Kotak Bank (New)
Rating: 4.7 (25928 reviews)
Author: Kotak Mahindra Bank Ltd.

Bank, Pay, Invest, and Borrow

Only for iPhone

Free

26k Ratings
Age Rating

18+
In-App Controls
Chart

No. 13
Finance
Developer

Kotak Mahindra Bank Ltd.
Language

EN
English
Size

141.7
MB

iPhone

Elevated banking experience awaits! Welcome to the new Kotak Bank App—designed for simplicity, speed, and smarter finance management. Enjoy a cleaner, sleeker design with instant access to all your essential features. Everything, Right Where You Need It: • Your mobile banking, now intuitive and effortless Manage accounts, deposits, loans, credit cards, and investments—all in one place with in-built navigation and quick actions for transfers, bill payments, and UPI. • Smarter Investments Explore top-performing Mutual Funds, Stocks, IPOs, NPS, APY, and switch on ActivMoney for better returns. Track your portfolio health insights instantly. • Advanced Card Controls Manage Kotak credit cards, debit cards effortlessly: set limits, generate PINs, lock/unlock, track rewards, and get in-app reminders for timely bill payments. • Fast Fund Transfers Pay your way—via UPI, QR, or mobile number. Need it done fast? Use Fast Mode for instant money transfers. For larger amounts, transfer safely via NEFT, IMPS, RTGS, or UPI. • Loan flexibility Enjoy complete loan control. Discover personalised pre-approved loans tailored for you, track every detail—check balance, amount, interest, prepay or pause EMIs in just a few taps. • Unlock Personalised Offers Avail exclusive offers on credit cards, loans, and investments—designed for you and woven seamlessly into your online banking experience. • Enhanced Security Stay protected with multi-layer encryption, biometric login, and in-app OTPs for secure access to Kotak Net Banking and transactions. • 24x7 Support Need assistance? Raise disputes and get help instantly—right from the app. Who Can Use This App? Kotak Mahindra Bank customers with Savings, Current, NRE/NRO accounts, credit cards, loans, or investments. Not a Kotak customer yet? Open a bank account in minutes with video KYC. Getting Started Download the Kotak Bank App, sign up securely with your registered mobile number, and unlock smarter digital banking. Join 8M+ users who trust Kotak Mahindra Bank for secure, seamless, and personalised banking. Experience the future of finance—bank, invest, and pay securely with Kotak mobile banking app. For support, call: 1800 4100 Disclosure: By downloading the Kotak Bank App, you consent to the Terms & Conditions and Privacy Policy of Kotak Mahindra Bank. For details, visit: https://www.kotak.bank.in/en/terms-conditions.html

Ratings & Reviews

4.7

out of 5

26k Ratings

What was wrong with the old app?
29/05/2025
सुव्रत
The new app has no relevant features on site. What does one first use their banking app for? To check their account history and everything. It is rather difficult to do that now.This looks less of a banking app and more of a UPI app.Old app was fantastic. It was easy to use, highly functional, and extremely quick. This is a UPI app extended to act like a banking app. Have UPI function, but don’t make it the primary function of the app.I was with Kotak because of how easy their banking services are. Now… I am doubtful.If the team behind the app is reading this - First rule of engineering, DONT FIX WHAT ISNT BROKEN.

Developer Response
Hi! We are sorry to know that you are facing some issues. We want to make things right here. Please drop us an email at social.experts@kotak.com elaborating on the concern and your CRN or contact details. We assure you that we shall do whatever it takes to fix this. ^Team Kotak
What was wrong with the old app?
29/05/2025
सुव्रत

The new app has no relevant features on site. What does one first use their banking app for? To check their account history and everything. It is rather difficult to do that now.This looks less of a banking app and more of a UPI app.Old app was fantastic. It was easy to use, highly functional, and extremely quick. This is a UPI app extended to act like a banking app. Have UPI function, but don’t make it the primary function of the app.I was with Kotak because of how easy their banking services are. Now… I am doubtful.If the team behind the app is reading this - First rule of engineering, DONT FIX WHAT ISNT BROKEN.
Developer Response 31/05/2025
Hi! We are sorry to know that you are facing some issues. We want to make things right here. Please drop us an email at social.experts@kotak.com elaborating on the concern and your CRN or contact details. We assure you that we shall do whatever it takes to fix this. ^Team Kotak
Why mess around with a good thing
14/05/2025
Akshay011288
An update for the sake of an update always ends in disaster. There was nothing wrong with the old one. The only thing maybe that needed changing was a resolution or look or UX refresh. Changing the complete UI and adding features to it ( mostly pushing upi, investment products, fancy names like wallet for card controls) has made it the exact opposite of the old / current app, which is..it’s pathetic. Doesn’t feel like a banking app. Cluttered with random information, icons without precise text, icons which have no specific functions. Hiding all the important functions which were previously easy to get too. Additional steps for simple tasks. The fundamentals of what a banking app should be have been ruined here. Half baked features. Such as can’t delete oldBeneficiaries. Etc etc, the list is long. And to top it off, extremelyBuggy and erroneous. Example: it gives me access to an account which I previously a joint holder in, I’m no more associated with that account, only a nominee. I can still see its bank balance and have access to transfer features of that account, this is a serious security lapse. Genuine request: use the previous / old app as a backbone and improve on that, add features to that. Update (read: polish) the features of that. And stop working on the garbage you have just put out. There was a time I used to hold the kotak app in #1 position wrt to net banking apps. Probably the worst now. This is coming from a 15 year customer of the bank. Ps: the same applies to your kotak neo app. Probably the worst execution of an investment app that I have seen. I hope you don’t end support for the old banking app. As this new one is a new low, even for your bank.

Developer Response
Hi! I’m sorry to hear that. Our goal is to provide the best mobile banking experience for our customers. Please send the details about the bugs by emailing social.experts@kotak.com. Additionally, kindly include the CRN, device model, and OS version. We would like our developers to look into it. ^Team Kotak
Why mess around with a good thing
14/05/2025
Akshay011288

An update for the sake of an update always ends in disaster. There was nothing wrong with the old one. The only thing maybe that needed changing was a resolution or look or UX refresh. Changing the complete UI and adding features to it ( mostly pushing upi, investment products, fancy names like wallet for card controls) has made it the exact opposite of the old / current app, which is..it’s pathetic. Doesn’t feel like a banking app. Cluttered with random information, icons without precise text, icons which have no specific functions. Hiding all the important functions which were previously easy to get too. Additional steps for simple tasks. The fundamentals of what a banking app should be have been ruined here. Half baked features. Such as can’t delete oldBeneficiaries. Etc etc, the list is long. And to top it off, extremelyBuggy and erroneous. Example: it gives me access to an account which I previously a joint holder in, I’m no more associated with that account, only a nominee. I can still see its bank balance and have access to transfer features of that account, this is a serious security lapse. Genuine request: use the previous / old app as a backbone and improve on that, add features to that. Update (read: polish) the features of that. And stop working on the garbage you have just put out. There was a time I used to hold the kotak app in #1 position wrt to net banking apps. Probably the worst now. This is coming from a 15 year customer of the bank. Ps: the same applies to your kotak neo app. Probably the worst execution of an investment app that I have seen. I hope you don’t end support for the old banking app. As this new one is a new low, even for your bank.
Developer Response 17/05/2025
Hi! I’m sorry to hear that. Our goal is to provide the best mobile banking experience for our customers. Please send the details about the bugs by emailing social.experts@kotak.com. Additionally, kindly include the CRN, device model, and OS version. We would like our developers to look into it. ^Team Kotak
App looks good but seems to be confusing
18/09/2025
AnamikaSH
The overall look and feel is no doubt far better than the previous one. Although I feel some of the features have been hidden and are not quite intuitive when it comes to navigating the app. It would be good to keep it more simple just like the previous one as it was easier. Eg. the account activity section shows transactions which are all in same color with small +/- icon in front of them but that really doesn’t help when I am looking for a Quick Look at my credit/debit transactions. The earlier app had colors associated with the values which made it more intuitive and easy to understand. This is just one of the things I am mentioning. It would be good to keep the app simpler in terms of navigating and styling.

Developer Response
Hi! Thank you for the review. We strive to improve our app based on user feedback. Please keep an eye out for future app updates to enhance your mobile banking experience. ^Team Kotak
App looks good but seems to be confusing
18/09/2025
AnamikaSH

The overall look and feel is no doubt far better than the previous one. Although I feel some of the features have been hidden and are not quite intuitive when it comes to navigating the app. It would be good to keep it more simple just like the previous one as it was easier. Eg. the account activity section shows transactions which are all in same color with small +/- icon in front of them but that really doesn’t help when I am looking for a Quick Look at my credit/debit transactions. The earlier app had colors associated with the values which made it more intuitive and easy to understand. This is just one of the things I am mentioning. It would be good to keep the app simpler in terms of navigating and styling.
Developer Response 22/09/2025
Hi! Thank you for the review. We strive to improve our app based on user feedback. Please keep an eye out for future app updates to enhance your mobile banking experience. ^Team Kotak
Need improvements
06/05/2025
OneNorth
I still like the old app for its concise buttons, all things easy and at a glance available. I accept the new app is more consistent and fast, but still lacks basic things. If i Lock Screen and re open kotak, to my surprise it did not ask me face id or login. It’s bank app. Why would you still let user to continue without face id ?Just by bigger icons and a lot of stuff added on regular basis would make it worse. Also what’s the fate of old app? I’m planning to switch back to it. I liked Kotak app interface the best in old. Even better than ICICI at times. (HDFC was never in the race and always last)Back gesture is not available on inside pages (inconsistent) Would it be possible to make it consistent irrespective of current browsing position?

Developer Response
Feedback is tonic, suggestions are vitamins! Keep 'em coming, we'll be bugging our Tech folks to keep improving, to meet your expectations. ^Team Kotak
Need improvements
06/05/2025
OneNorth

I still like the old app for its concise buttons, all things easy and at a glance available. I accept the new app is more consistent and fast, but still lacks basic things. If i Lock Screen and re open kotak, to my surprise it did not ask me face id or login. It’s bank app. Why would you still let user to continue without face id ?Just by bigger icons and a lot of stuff added on regular basis would make it worse. Also what’s the fate of old app? I’m planning to switch back to it. I liked Kotak app interface the best in old. Even better than ICICI at times. (HDFC was never in the race and always last)Back gesture is not available on inside pages (inconsistent) Would it be possible to make it consistent irrespective of current browsing position?
Developer Response 08/05/2025
Feedback is tonic, suggestions are vitamins! Keep 'em coming, we'll be bugging our Tech folks to keep improving, to meet your expectations. ^Team Kotak

• Card controls upgraded: manage limits & toggle transactions in one screen • View, copy & share details from a unified account center • New-to-bank? Review details & consent to open savings account easily • Enjoy smarter menu with a quick action panel • Open your demat account quicker—no app hopping • Reload Forex in USD with pre-booked FX deal via Bharat Connect • Get pre-approved 2- & 4-wheeler loans in a few clicks • Our iOS security got stronger

Version 1.54 3 days ago

Data Linked to You

The following data may be collected and linked to your identity:
- Location
- Identifiers
- Usage Data
Data Not Linked to You

The following data may be collected but it is not linked to your identity:
- Contacts
- User Content
- Diagnostics

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Accessibility

Information

Provider: Kotak Mahindra Bank Ltd.
Size: 141.7 MB
Category: Finance
Compatibility: Requires iOS 15.6 or later.

iPhone
Requires iOS 15.6 or later.

iPod touch
Requires iOS 15.6 or later.
Languages: English
Age Rating: 18+

18+

This app has an age rating of 18+ with content restrictions. Some content may be rated higher, but access is managed by the developer through in-app controls.
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In-App Controls
Age Assurance

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