iPhone Screenshots


The Kotak Mobile Banking App, a best in class App, provides banking on the go, which is a must in today’s digital era.

If you are not an existing Kotak customer, you can open a Kotak Savings account or an 811 digital bank account by visiting your nearest branch.

If you are an existing Kotak customer, you can use the 100+ features of the app to Bank, Pay bills, Invest, Shop and access services.
• Bank on the go:
Manage all your financial transactions, send and receive money through NEFT, IMPS and RTGS & UPI, request for a cheque book and much more
• Shop at your fingertips:
Dive into KayMall and shop via Flipkart, book flights and hotel rooms via Goibibo and book train tickets via IRCTC and much more
• Pay your bills:
Pay your Mobile Recharge, DTH payments and other bills with the online BillPay feature. Also, use the AutoPay feature to remember your monthly bills and pay them automatically from your account. Never miss a deadline again
• Services:
Instant completion on requesting for services such as updation of profile details, switching on/off of your Debit/Credit Card online

There's a lot more you can do with our Mobile Banking App:
• Transfer money instantly using BHIM UPI without the need for any bank information
• Transfer funds easily on the go without registering a beneficiary
• Book train tickets using IRCTC, shop on Flipkart, goibibo and more in KayMall
• Recharge your mobile & DTH subscriptions with ease
• Purchase and redeem Mutual Funds and keep track of your investments
• Apply for a Kotak Credit Card
• Regenerate your Debit and Credit card PINs
• In case of loss, temporarily switch off your Kotak Debit Card for security purpose
• Pay Credit Card bill online
• Check your Bank Account statement
• Check your account balance
• Pay your bills, open a Term Deposit
• Post opening Account, go to Manage Profile and Click a selfie or upload your photo to set as profile picture

Get started:
To get started, you just need your Customer Relationship Number (CRN), your Debit / Credit Card PIN or your Net Banking password to get started. The app will take you through a one-time activation process when you login for the first time.
Kotak Bank App requires following permissions:
- Contacts: This is required to allow you fetching mobile number while mobile / DTH recharge or sharing IFSC/MMID
- Location: This is required for Branch / ATM locator
- Photos / Media / Files / Camera: This is required to let you access gallery / click an image to set profile picture.
- Phone: This is required to let you dial customer contact center
- SMS: This is required to auto activate the device during activation process.

Please note that your data is safe with Kotak Mahindra bank. We do not share any information with third party without your initiation.

What’s New

Version 5.1.3

Bug fixes and minor enhancements

Ratings and Reviews

4.8 out of 5
189.3K Ratings

189.3K Ratings

Puni961 ,


Since started my experience with Kotak I have found a good services by everyone however since last 3 months I have got a excellent service i.e replying to emails on time and active my account with one of your staff Ms. Gunjan who helps me a lot and advise to active my NRE/NRO account when I really needed. So thanks to her obvious.
Got new features in app.
Transactions are faster now.
Would it be possible for you to add any overseas mobile numbers to get notifications of transactions which is obvious faster than the emails as I am working in remote sites sometimes and thus not allowed to carry new versions mobiles due to restrictions, let m know.

Singhprabhu ,

Holding back customers’ refund amount

I had booked my flight tickets from kotak debit card but couldn’t travel due to COVID restrictions. The flight carrier, Indigo immediately issued the credit shell amount which was cleared by EaseMyTrip successfully on 31st August 2020. The bank has been holding back my refund amount for three months now. When I spoke to the customer care, they assured me that the request will be processed within 3 days. When I followed up again after 5 days, I am told that the request will be processed within 52 days. Is this a bloody joke? This bank is worse than government banks. In another instance, which I ignored earlier, they cancelled my credit card after I cleared my dues amounting to rupees 60,000 at once. They didn’t even have the courtesy to inform me about it or explain the reason. When I called the customer care and asked why the credit card was discontinued after the bill was cleared, they just told because of internal reasons that can’t be disclosed. I hope the internal reasons are not incompetency and ignorance. Worst experience ever!!

s.yoel ,

Worst app for transaction

Most of the time the server is low any requests for applying credit card, personal loan or anything will not be going to open until you die or else find the alternate option. Apart the transaction keep blocking the money in between the server you will never get what u need at the utmost time.
There Artificial intelligence of helpline is more sucking while your money is stuck she didn’t even get the proper words like money deduction UPI, or UPI transaction issue. She keep telling you the same thing press this like that or blah blah. They are not at all concerned about the service they are providing they are only bothering for the money they are getting for RD, FD they have proper specific excellent response and service but at the time of apply for PL and CC they are pathetic there own server not supporting the request. Please improve the services for the app.
Even SBI app is better than this.
Mobile banking is not at all tolerable.

App Privacy

The developer, Kotak Mahindra Bank Ltd., has indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Linked to You

The following data may be collected and linked to your identity:

  • Location
  • User Content
  • Search History
  • 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

Privacy practices may vary based on, for example, the features you use or your age. Learn More


Kotak Mahindra Bank Ltd.
153.4 MB

Requires iOS 8.0 or later. Compatible with iPhone, iPad and iPod touch.



Age Rating


  • Family Sharing

    Up to six family members will be able to use this app with Family Sharing enabled.

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