Kotak Bank (New)

Name: Kotak Bank (New)
Rating: 4.6 (236 reviews)
Author: Kotak Mahindra Bank Ltd.

Bank, Pay, Invest, and Borrow

Only for iPhone

Free

236 Ratings
Ages

4+
Years
Category

Finance
Developer

Kotak Mahindra Bank Ltd.
Language

EN
English
Size

110.3
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: 1860 266 2666 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

4.6

out of 5

236 Ratings

Exceptionally simple and Fast Banking app
03/22/2025

GG Seattle
I have been using this new app from Kotak Bank as I switched from HDFC. I find this banking app to be far more superior than anything else I have used from banks. This app allows me to transfer, invest or deposit money in a few taps. Have also seen cool personal loan offers with instant disbursement. Love it!!

Developer Response
Hi! Thank you for giving us a perfect rating. It is our delight to hear such positive words and its always a pleasure to serve our valued customers. Please explore more products at www.kotak.com and recommend us to your friends or family. ^Team Kotak
Exceptionally simple and Fast Banking app
03/22/2025

GG Seattle

I have been using this new app from Kotak Bank as I switched from HDFC. I find this banking app to be far more superior than anything else I have used from banks. This app allows me to transfer, invest or deposit money in a few taps. Have also seen cool personal loan offers with instant disbursement. Love it!!
Developer Response 04/08/2025
Hi! Thank you for giving us a perfect rating. It is our delight to hear such positive words and its always a pleasure to serve our valued customers. Please explore more products at www.kotak.com and recommend us to your friends or family. ^Team Kotak
Multi-Device Access and Limited Login Options
06/16/2025

This is me’.
I’m unable to use the app on multiple devices, as it only allows login through SMS verification to a single phone number. This restriction makes it difficult to access the app from another phone, especially in situations where remote support is needed. This is particularly challenging for older users, like my parents, who are not very familiar with using mobile apps. Since I can't log in from a different device, it's impossible to help them troubleshoot or guide them unless I'm physically with them. The lack of alternative login methods (such as email, authenticator apps, or multi-device support) makes the experience unnecessarily restrictive and frustrating.Please consider offering additional login options and allowing access across multiple devices to make the app more user-friendly and accessible.

Developer Response
Hi! We constantly strive to provide you with a seamless banking experience. Please elaborate on your suggestion at social.experts@kotak.com. We would be glad to look into this. ^Team Kotak
Multi-Device Access and Limited Login Options
06/16/2025

This is me’.

I’m unable to use the app on multiple devices, as it only allows login through SMS verification to a single phone number. This restriction makes it difficult to access the app from another phone, especially in situations where remote support is needed. This is particularly challenging for older users, like my parents, who are not very familiar with using mobile apps. Since I can't log in from a different device, it's impossible to help them troubleshoot or guide them unless I'm physically with them. The lack of alternative login methods (such as email, authenticator apps, or multi-device support) makes the experience unnecessarily restrictive and frustrating.Please consider offering additional login options and allowing access across multiple devices to make the app more user-friendly and accessible.
Developer Response 06/18/2025
Hi! We constantly strive to provide you with a seamless banking experience. Please elaborate on your suggestion at social.experts@kotak.com. We would be glad to look into this. ^Team Kotak
Needs SIM carrier connection even after authenticated -. Cannot use on multiple devices
07/23/2025

RohitNRao
This is the only banking app that needs an active Indian SIM card always to access mobile banking. Even on a phone that has registered number and has MPIN activated it insists on an active carrier connection to use mobile banking. This does not work well (why should spend on roaming?) when traveling abroad or NRE banking - why not work with WiFi? Also, app can only be installed on device that has registered mobile number. The online guide says we can install on multiple device but hasn’t worked - checked with RM

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
Needs SIM carrier connection even after authenticated -. Cannot use on multiple devices
07/23/2025

RohitNRao

This is the only banking app that needs an active Indian SIM card always to access mobile banking. Even on a phone that has registered number and has MPIN activated it insists on an active carrier connection to use mobile banking. This does not work well (why should spend on roaming?) when traveling abroad or NRE banking - why not work with WiFi? Also, app can only be installed on device that has registered mobile number. The online guide says we can install on multiple device but hasn’t worked - checked with RM
Developer Response 07/30/2025
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
I can’t use it
Jan 24

Annet_b
It is terrible. I am out of India now. So my sms not sending (income messages I receive regularly). So I can’t use app at all! Also it doesn’t open from another country! I had to use Indian vpn just try to open it! The Old app was working correctly and could use it, but you blocked it! New app is not working and there is no any alternative option if I can’t send sms! You blocked my money and I don’t have access to it and can’t transfer to other bank (which is working properly with no issue even abroad).

Developer Response
Hi! We regret to note your dissatisfaction. Please give us a chance to help. Kindly email us at social.experts@kotak.com with details of your concern, along with your CRN and contact information. We are committed to resolving the issue as quickly as possible. ^Team Kotak
I can’t use it
Jan 24

Annet_b

It is terrible. I am out of India now. So my sms not sending (income messages I receive regularly). So I can’t use app at all! Also it doesn’t open from another country! I had to use Indian vpn just try to open it! The Old app was working correctly and could use it, but you blocked it! New app is not working and there is no any alternative option if I can’t send sms! You blocked my money and I don’t have access to it and can’t transfer to other bank (which is working properly with no issue even abroad).
Developer Response Jan 26
Hi! We regret to note your dissatisfaction. Please give us a chance to help. Kindly email us at social.experts@kotak.com with details of your concern, along with your CRN and contact information. We are committed to resolving the issue as quickly as possible. ^Team Kotak

We’ve reimagined banking for you! A sleek new interface for effortless navigation across Accounts, Deposits, Loans, Wallet & Investments. Meet Action Centre: a dashboard for all your tasks, review & complete in one go. Unlock the app’s full potential with guided account setup—complete key steps with ease. Loan customers—raise quick service requests to prepay or pause EMIs. Empowering Business: withdraw funds from your sanctioned working capital limit anytime.

Version 1.45

Feb 6

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