Kotak Mobile Banking App 4+

Savings, UPI, Payments & Loans

Kotak Mahindra Bank Ltd.

    • Free

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 an 811 digital bank account on the app or a Kotak Savings account by visiting your nearest branch.

If you are an existing Kotak customer, you can use the 250+ 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, Amazon, Bigbasket, book flights and hotel rooms via Goibibo and book train tickets (IRCTC Authorized Partner) 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 (IRCTC Authorized Partner), Flight tickets, Bus tickets, Hotels. Shop on Amazon, Flipkart, BigBasket, 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 5.4.1

1. General speed and design improvements.
2. Bug fixes and enhanced security to improve your Mobile Banking experience.

Ratings and Reviews

4.8 out of 5
424.2K Ratings

424.2K Ratings

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.

aar.asad ,

Worst service, worst rules , scam bank. They will try to sell their fixed deposit credit card.

Thank you , at least I got an option to write here. To say I what I feel. I was crying over the call to 3 agents I spoke to. All disconnected the call on me. I was begging telling I don’t have money. My money is help , I have baby who is one year old and I don’t have money to meet his basic food requirements, I don’t have money to buy his milk. Even if it was a stranger on road they would have helped me. But Kotak bank chose to make me suffer more. I told your phone bankers I have borrowed 200rs to recharge to call. And just in getting through the chat bot atleast 30 times I called I typed and followed IVR options but ur so called keya did not understand anything. And all my recharge money exhausted , n I told the agents if I get disconnected please call back I don’t money. But all of them r so rude so adement. I could not get to speak to a supervisor. How can someone be so insensitive and heartless to not understand a toddler requirement . I dint have money to afford his milk. God will never forgive people involved in this. Specially the agent who mis-sold the credit card. If you guys have 1% mercy left on me n my child investigate this , heat all the calls. Hear my cry , hear my frustration. Keep the money for yourself. Just hear everything I said to wake ur humanity up. I give up with u guys now they do I have money to call.

193091 ,


There is no zero option available if not would have given that. Worst bank. Service is worst and they don’t know to whom they share there customers details that agency people from Delhi he is from recovery department who is harassing customer and my father day and night by calling from numerous numbers we receive calls even at night 11 pm which is against government rules Me and my father receive more than 100 calls a day and these guys have even hacked my father’s phone and has collected numbers from his call logs and threatening that he will call on all those numbers if amount is not paid. I have had the most worst experience with kotak and it’s customer service. I have taken the loan which is also cleared now only penal charges needs to be paid I don’t know from where they have got my father’s number and there team is calling him and harassing as well. I will be raising a cyber complaint against Kotak as well as the recovery agent with all the contact numbers he has been calling from and will make sure to get this escalated to RBI as well. Hacking someone’s phone is illegal for which I have already logged a cyber complaint. I have experienced this hence would suggest people to never register with Kotak Mahindra bank because they will make your life hell that is the reason I have written this review.

App Privacy

The developer, Kotak Mahindra Bank Ltd., 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

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