Kotak Bank
November 10, 2025
More About Kotak Bank
✓ 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 a predefined threshold from your savings account into an FD, earning higher interest. The best part? You can access the money anytime without breaking the FD.
-> How to check balance or get statements?
Check your account balance in real-time with an overview on your homepage. Tap on the balance to access all your account details, transactions, share bank account details, and download custom statements.
-> Can I transfer funds without adding a beneficiary?
Absolutely! Use ‘Pay Your Contact’ to send money instantly using just a mobile number, UPI IDs, or QR codes—no beneficiary setup required.
-> Can I apply for credit cards or loans?
Yes, you can apply for Kotak Credit Cards and pre-approved loans instantly through the app with minimal documentation and quick approval.
✓ Getting Started
Existing Kotak Net Banking and Mobile Banking users can download the app and log in with Customer Relationship Number (CRN) and MPIN. New users can sign up using their active mobile number registered with the Kotak Bank.
Download the Kotak Bank App – the Best Banking App in India`
Join 8 million+ users across India who trust Kotak Mahindra Bank for secure, smart, and seamless mobile banking. Experience the future of online banking, UPI payments, and personal finance—all in one 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.com/en/terms-conditions.html
Latest Version
1.41
November 10, 2025
Kotak Mahindra Bank Ltd.
Finance
Android
4,856,687
Free
com.kotak.bank.mobile
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User Reviews
kiran salimath
1 month ago
after I updated the app I have been asked to do the sign in progress all over again. i am sailing I don't get sim Singal for a very long time for OTP. updating the app should have been simple without authorisation again and again. i would prefer old app over this one. glad I didn't old one. this app needs lot of work. not as good as old one.
Anu Mehra
3 months ago
I am not even able to login since the first day, as sim binding login is taking automatically to the messages app and when I come back to app, it says please do not minimize the app in this step.. omg, I didn't do anything in this regard... how can I possible fix this app switching, this is a really frustrating and wrong experience for a Banking App that the customer is not even able to login in the app
Anil Kharwa
1 month ago
It is a very bad app.very slow app opening time.It feels very bad. You can't multitask with this app...it closes automatically and you have to restart it and login again and again. This is a very bad app.Old app was good It was fast and smooth, there was no lag. I would not even give this app a rateing or 1 star.
Mukesh Patel
3 weeks ago
Unusable! having installed it, it wanted to verify it's me. App tries to send SMS verification code and fails. Service desk operative clueless and blamed it on my network provider. Nonsense! I am an NRI with UK phone. when I log in on net banking the SMS OTP arrives fine. I think the App is prefixing India code +91 rather than UK code +44 when sending verification code. sadly I couldn't make service desk operative to understand this nor would he check the number being generated for the SMS
Prem kumar Selvan (skumarboom)
2 months ago
I could not get in after recent change. its keep mandatory getting started page to give permission, but no calls or sms are received am outside of the country, and getting other text messages and contac us feature also not working saying invalid number, its stupid logic of making mandatory while getting in itself. what are the other options. pls call off the mandatory get started page.
Saharsh Narayan Singh
2 months ago
I don't think Kotak Bank is spending any money on their IT Budget. What a pathetic app they developed. Just a waste of time whenever I log in. This reminds me of IRCTC old days. Extreme latency and dying slow. God helps the users. (Please note... that I've got good internet speed and not to complain about that) It's an app problem.
huzaifa raja
1 month ago
it's the worst bank app.Nobody should use it especially for transferring money. your hard earned money would get lost. Nobody in the bank would help at all despite so many mails. It's a FRAUDULENT app. after so many emails, no resolution was provided at all!!!!
Rajat Chauhan
1 month ago
Dear Kotak Mahindra Bank Team, I am facing an issue while trying to add a new payee. Every time I enter the IFSC code, it shows as invalid, even though the code is correct. This problem is occurring for all new accounts that I try to add. Kindly look into this issue and resolve it as soon as possible.
Niket Nikumbh
3 weeks ago
Old app was really good... Don't make such nuisance in the process if you are not capable of doing good things to the customers. I'm using wi-fi with 150 mbps speed still I'm getting error that you on slow network... Why you are making an app which requires 200 mbps speed. Lol
Kalyan Kothapalli
3 months ago
after using the old app for more than 7 years, I can say without an iota of doubt that the New app is nothing less than worst. It doesn't open swiftly, keeps closing while trying payments, gets frozen etal. Simply the new app is a nightmare. I hope you will fix the issues without delay or bring the old one back with needed support.
Nikhil Jerath
3 months ago
A bug in this app is crashing the application while doing a money transfer. Please fix it ASAP. My response after your developer's reply: When we enter remarks/notes about the payment, the app crashes again and again, and sometimes when we mention the amount. My Katak app, phone software, and Google Play services were all updated when I shared my initial feedback. Please get this diagnosed and provide a fix for this.
Mahesh B
3 months ago
This app is a major downgrade compared to the previous version, which I used seamlessly for six years. The older app was far more user-friendly and reliable. In contrast, the new version constantly freezes during navigation, frequently crashes when switching between apps or even when minimized, and makes basic tasks like initiating a bank transfer nearly impossible—selecting a payee causes the app to shut down entirely. Overall, the experience is extremely frustrating and disappointing.
Arunjunai Prakash
3 weeks ago
seems like some bug in this app. because it's not open for 2 days for me. whenever I open the app it's saying "Request time out". it would be helpful if they resolve this issue. can anyone tell me if that is happening only for me alone else others also having the same issue?
Isha N
1 month ago
This app is always crashing. It takes very long to open and it keeps crashing. the homepage takes a long time to load and when you click on something else it just shuts and suddenly goes to another app like whatsapp or the phone goes dark. it's really bad. please fix it.
Rishabh Shah
1 month ago
Issues 1. On the screen of sharing payment screenshot, the mobile back button does not work. User has to stretch the thumb to go on top-left of screen to go back. Pls add a back button beside share button on this screen. 2. The payment for 3rd party billers like light bill, gas bill, etc is not working in this new app. On old app it used to work nicely.
Jayaprakash Jayavel
1 month ago
Most features in the old version are either removed or not working. For example, recent QR based activities used to get listed and enabled us to make payments without scanning. Mutual funds initiated in the old version cannot be seen here. I have to use the netbanking to view them.
Ram Gopal
3 weeks ago
Get back the old UI and that app works just fine and fulfills all needs.. this migration to a new app is simply utter useless decision is what I feel. Getting stuck at all levels of access or enquiry. left with much minimum options to check... No way an app should work this way and that too in these advanced days of tech... shame
Tejas Korde
3 months ago
The old app was much better than the current version. It lags, freezes, and sometimes gets stuck, and it doesn't always unlock immediately when I try to open it. I don’t understand why there's a feature that allows scanning a QR code before opening the app itself. Additionally, when I enter the amount, the keyboard disappears and takes a long time to reappear on the screen. There are so many bugs; it is not the best app. Maybe worst.
Shalv Chakravarty
3 weeks ago
Unable to open the app time and again. Stating slow network or check internet connection whereas my Carrier is absolutely stable and has excellent signal strength. I have tried all possible troubleshooting steps but to no avail. This is really very frustrating. Please fix this problem urgently. Awaiting a prompt response from you guys!!
Nikhil Garg
6 months ago
Old version was better, didn't want to switch but kept getting notifications to migrate today installed the new version, turned out to be pretty bad. Always starts with delay and is very slow require full signal from wifi or mobile whatever. old app would work with bare minimum network coverage and the UI was pretty smooth. This new version only has bright colors, rest every technical aspect is dull. Developers did a poor job in making it, bank did the worst by allowing it to be released.
