Kotak Bank (Old)

Name: Kotak Bank (Old)
Rating: 4.8 (9011 reviews)
Author: Kotak Mahindra Bank Ltd.

Savings, UPI, Payments & Loans

Only for iPhone

Free

9K Ratings
Ages

4+
Years
Category

Finance
Developer

Kotak Mahindra Bank Ltd.
Language

EN
English
Size

201
MB

iPhone

For a better experience, download our new app. (https://kotakapp.onelink.me/Xoqo/vnw5l9ex) The app allows customers to manage their bank accounts—make payments, money transfers, check balance, change card PINs, and perform various other tasks. New customers are required to visit their nearest branch to open their bank accounts. Once enrolled, you can use the application to access the services. Key Features: * Manage financial transactions, send and receive money with UPI. * Pay bills, recharge mobile and DTH services & set up AutoPay for repeat payments. * Update profile details, request statements and manage cards on-the-go. * Invest & redeem mutual funds while you keep track of your investments. * Apply for a credit card, keep track of your spending, and pay bills. * Manage card settings including PIN regeneration and temporary blocking. * Payday loans are available for eligible users directly through the app. Getting Started: To start using the app, you need your Customer Relationship Number (CRN) and either a card PIN or your net banking password. The app will guide you through a one-time setup process. Permissions Required: * Contacts: For mobile number access * Location: To find branches or ATMs * Media & Camera: For profile photo * Phone: To contact support * SMS: For device activation and optional data access (with consent) Please note that your data is safe with Kotak Mahindra Bank. We do not share any information with third parties without your permission.

Ratings & Reviews

4.8

out of 5

9K Ratings

Issues with faceId
09/18/2020

Geetupadhyay
Everything works well on App till I used faceId to login, If I try to open a fixed deposit, expectation is that it should go through since I have opened it through mobile banking earlier , but It asks for PAN number somehow, which is up to date for me. For the same flow if I provide my MPIN it works as expected and opens a Fixed deposit.In case of faceId expectation is that it should show some relevant error or ask for MPIN which looks like mandatory for every monitory transaction. Please look into this and let me know if I am doing any wrong.Thanks 👍🏼
Issues with faceId
09/18/2020

Geetupadhyay

Everything works well on App till I used faceId to login, If I try to open a fixed deposit, expectation is that it should go through since I have opened it through mobile banking earlier , but It asks for PAN number somehow, which is up to date for me. For the same flow if I provide my MPIN it works as expected and opens a Fixed deposit.In case of faceId expectation is that it should show some relevant error or ask for MPIN which looks like mandatory for every monitory transaction. Please look into this and let me know if I am doing any wrong.Thanks 👍🏼
Too much information but too poor app
01/16/2024

Master Ankur
This app has plethora of things to do but the app design is extremly poor. UX Designer did a good job but development team couldn’t build the UI. This app doesn’t save the state so any switch from this app to any other app or homescreen will male you lose the state were you were in the app and everything has to be restarted from scratch. Who develops such interfaces where you can’t preserve the state of the customer and everytime this app is switched, the state is gone. Biggest issue is when talking to the bot. First of all the bot has no machine learning and can’t reply to most of the questions. Then finally you get connected to customer service but even accidently switching the app will make you lose the iframe of customer care chat and all your wait and struggle is gone for a toss, restart again to connect to th agent. Every company on the globe are trying to minimize human interaction but kotak is the only company which is still living in stone age and believes that a customer can only be served after he calls the customer care and there is no thing called self serve.

Developer Response
Hi! Sorry to hear that. What is it about our app that you have not liked? Do share your feedback by dropping an email from your registered email ID to us at Social.Experts@kotak.com. Please mention the exact error message, CRN, Device model and OS version. We will definitely look into this.
Too much information but too poor app
01/16/2024

Master Ankur

This app has plethora of things to do but the app design is extremly poor. UX Designer did a good job but development team couldn’t build the UI. This app doesn’t save the state so any switch from this app to any other app or homescreen will male you lose the state were you were in the app and everything has to be restarted from scratch. Who develops such interfaces where you can’t preserve the state of the customer and everytime this app is switched, the state is gone. Biggest issue is when talking to the bot. First of all the bot has no machine learning and can’t reply to most of the questions. Then finally you get connected to customer service but even accidently switching the app will make you lose the iframe of customer care chat and all your wait and struggle is gone for a toss, restart again to connect to th agent. Every company on the globe are trying to minimize human interaction but kotak is the only company which is still living in stone age and believes that a customer can only be served after he calls the customer care and there is no thing called self serve.
Developer Response 01/30/2024
Hi! Sorry to hear that. What is it about our app that you have not liked? Do share your feedback by dropping an email from your registered email ID to us at Social.Experts@kotak.com. Please mention the exact error message, CRN, Device model and OS version. We will definitely look into this.
Too complex UI + Unresponsive + Rethink the flow
08/14/2022

Tejas Arora
UI is too complex for any given user. There’s no need to house everything in the mobile app. Use SSO and take the user to web for non-app centric features. The UI is clunky, slow and unresponsive at times. It seems the app tries to group various features under specific buckets within the app which makes it even more confusing. Very hard to trace back the steps once you’re deep in the app. Accessing transactions is key app feature which shouldn’t take 4-5 screen taps. Why can’t the user scan a check with camera and e-deposits the check (this will save time and effort)? If it were upto me, I would sit down with the UI designer to really re-think how the new digital india would interact with mobile app. Someone should seriously think about it at Kotak (banks need to think and do more on user experience front). Having just the core banking capabilities will not help Kotak to fight FinTech in near future.
Too complex UI + Unresponsive + Rethink the flow
08/14/2022

Tejas Arora

UI is too complex for any given user. There’s no need to house everything in the mobile app. Use SSO and take the user to web for non-app centric features. The UI is clunky, slow and unresponsive at times. It seems the app tries to group various features under specific buckets within the app which makes it even more confusing. Very hard to trace back the steps once you’re deep in the app. Accessing transactions is key app feature which shouldn’t take 4-5 screen taps. Why can’t the user scan a check with camera and e-deposits the check (this will save time and effort)? If it were upto me, I would sit down with the UI designer to really re-think how the new digital india would interact with mobile app. Someone should seriously think about it at Kotak (banks need to think and do more on user experience front). Having just the core banking capabilities will not help Kotak to fight FinTech in near future.
Excellent app but few loophole
01/29/2020

JainRS
I love using this app for its easiness except for few things. First if one logs out of app, the face ID immediately signed you back so I have to hold the phone away from facing while signing out. Secondly more interesting is that I have this app installed in my previous iPhone and later when I got new iPhone I used iOS quickstart method to setup my new phone. To my surprise this app was installed and active in my new phone instantly without asking for verification. While I understand that its good but it has dark side too as long as you’re in safe hands. I also had other banking app and those asked me to verify before giving the access. It deserves 5 star only if these two things got fixed.
Excellent app but few loophole
01/29/2020

JainRS

I love using this app for its easiness except for few things. First if one logs out of app, the face ID immediately signed you back so I have to hold the phone away from facing while signing out. Secondly more interesting is that I have this app installed in my previous iPhone and later when I got new iPhone I used iOS quickstart method to setup my new phone. To my surprise this app was installed and active in my new phone instantly without asking for verification. While I understand that its good but it has dark side too as long as you’re in safe hands. I also had other banking app and those asked me to verify before giving the access. It deserves 5 star only if these two things got fixed.

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

Version 5.5.9

Jan 30

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