Kotak Bank

Open Account, Use UPI, Pay Bills, Invest in FDs, Apply for Loans & Credit cards

Kotak Mahindra Bank’s official mobile app is our gateway to secure, fast, and seamless digital banking. Open a Kotak Bank Savings Account, make UPI payments, manage credit cards, or invest in Mutual Funds, all in one mobile banking app.

Why Choose the Kotak Mobile Banking App?

✓ All-in-One Dashboard
Access all your Kotak Bank accounts, cards, deposits, investments, debts, & transactions in one place. Get real-time updates, automate bill payments, track EMIs, avail insurance plans, and download bank statements easily.

✓ Smart Card Wallet
Manage Kotak credit/debit cards in one place—set transaction limits, generate PINs, lock/unlock cards, track reward points, and convert big spends into EMIs. Get in-app reminders for bill payments.

✓ Fast & Secure UPI Payments
Use Fast Mode for instant UPI transactions and fund transfers via QR codes or mobile numbers. The feature supports NEFT, IMPS, and RTGS for high-value transfers.

✓ Invest with Confidence
Open a 3-in-1 demat account to save, spend and invest with ease. Manage your SIPs, invest in top-performing mutual funds, and enable ActivMoney to auto-sweep surplus funds into FDs directly from your Savings Account. Track your wealth on the unified investment dashboard.

✓ Borrow Effortlessly
Discover pre-approved loans tailored just for you, keep track of your loan details: amount, balance, interest, EMIs, and access documents like repayment schedules & interest certificates directly from the app.

✓ Advanced Security
Stay protected with multi-layer encryption and biometric login. Use in-app OTPs to securely log in to Kotak Net Banking or complete transactions. Need help? Raise disputes and get 24x7 support, right from the app.


The Kotak Bank App goes beyond basic banking. It’s your all-in-one digital finance companion.


Frequency Asked Questions (FAQs)
-> How to open a Kotak Savings Account on the app?
Download the app, enter your mobile number, and tap on “Open Saving Account.” You’ll need your PAN, Aadhaar, and a quick video KYC to start your onboarding journey.

-> How to make UPI payments?
Link your Kotak account to UPI, set your PIN, and start transacting. For quick payments, enable Fast Mode and enjoy one-tap transfers for amounts below ₹2000.

-> What is ActivMoney?
ActivMoney is a smart feature that automatically transfers funds exceeding