Types of Kotak811 Zero Balance Savings Account
Zero Balance Account
Savings A/c
Monthly deposit - In a single transaction
₹0
Zero balance account
✓
Annual cashback
₹0
Annual Program Fees
₹0
Digital Fund Transfer - NEFT/RTGS/IMPS
Free
Funding during a/c opening process
₹1,000
Virtual Debit Card
Free
Physical Debit Card
VISA Classic ₹299
Daily ATM cash withdrawal
₹25,000
Cash transaction limit
₹10,000 or 1 transaction per month
Dedicated customer support
✗
Cheque book
₹75 (on request)
Up to 7% interest p.a. with ActivMoney
✓
Only Aadhaar & Pan card needed
✓
Personal accident cover
Up to ₹2 Lakhs
Purchase protection
Up to ₹50,000
Air accident cover
NA
Lost card liability
Up to ₹2.5 Lakhs
Recommended
Super Account
Savings A/c
Monthly deposit - In a single transaction
₹5000
Zero balance account
✓
Annual cashback
Up to ₹6,000
Annual Program Fees
₹300
Digital Fund Transfer - NEFT/RTGS/IMPS
Free
Funding during a/c opening process
₹5,000
Virtual Debit Card
Free
Physical Debit Card
VISA Platinum - Free
Daily ATM cash withdrawal
₹1 Lakh
Cash transaction limit
₹2 Lakhs or 4 transactions per month
Dedicated customer support
✓
Cheque book
One Free / year
Up to 7% interest p.a. with ActivMoney
✓
Only Aadhaar & Pan card needed
✓
Personal accident cover
Up to ₹15 Lakhs
Purchase protection
Up to ₹1 Lakh
Air accident cover
Up to ₹50 Lakhs
Lost card liability
Up to ₹3.5 Lakhs
Why Choose Kotak 811?
Fully Digital Experience
Experience seamless banking from anywhere, anytime with our state-of-the-art digital platform
Zero Balance
Start your banking journey with no minimum balance requirement and enjoy complete financial freedom
Instant Transfers
Send and receive money instantly with secure IMPS, NEFT, and RTGS support available 24/7
24/7 Support
Get expert assistance anytime with our dedicated customer support team ready to help you
No minimum balance maintenance
Enjoy the freedom of banking with Kotak811 . zero-balance account with no minimum balance requirement, giving you complete control over your money without any restrictions!
Features & Benefits
- Zero minimum balance requirement.
- Earn interest on your savings.
- Instant money transfer with IMPS, NEFT, and RTGS.
- Free debit card for online and offline purchases.
- Access to 24/7 customer support.
- Get exclusive offers and rewards with Kotak 811.
Become Our Partner in Simple Steps
Contact us: +91 9137128003
Submit your KYC Details and Qualification Details to Our Executive
Get Your ID from Kotak via Email
You are ready to Get Rewarded!!!
FAQs
What is a zero balance savings account?
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A zero balance savings account allows you to maintain a savings account without requiring a minimum balance.
What are the benefits of zero balance savings account?
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The benefit includes up to 7% interest with ActivMoney, Lightning fast UPI payments, easy bill payments, a virtual debit card for shopping, and 24x7 access to your account.
Who can open a zero balance account?
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Any eligible individual with valid KYC documents can open a zero balance account.
How to open a zero balance account without a PAN card?
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You will need a valid PAN and Aadhaar Card to open a zero balance savings account online.
How to use the zero balance savings account online?
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You can access online banking, transfer money, pay bills, and manage savings easily through the bank's mobile app or website.
Do I have to deposit ₹1,000 while A/c opening process?
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₹1,000 deposit is required to open your a/c. To enjoy 5% cashback on your Debit Card spends you can opt for 811 Super Savings A/c by adding ₹5,000 during a/c opening process. You can use this amount to save or spend as you like since there is no minimum balance requirement in Kotak811 Savings A/c.