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Kotak Mobile Banking – How to Register and Log In?

Updated on :  

08 min read.

Kotak Mahindra Bank brings in a new way to easily manage your Kotak accounts and credit cards with the latest Kotak Mobile Banking app. The app provides a wide range of banking services readily available at your fingertips. The bank has taken enough care to make your transactions secure with MPIN, fingerprint, and FaceID authentication setups.

Make the most of the services offered by Kotak Mahindra Bank. Here is how you can get started.

How to register for Kotak Mobile Banking services?

Step 1: Open Google Play Store or Apple Store, download and install the ‘Kotak-811 & Mobile Banking’ app. Alternatively, you can download the app from the link http://app.kotak.com/.

Kotak Registration 1

Step 2: Open the app on your smartphone. On the home screen, enter your Customer Relationship Number (CRN). Click the ‘Submit’ button.

Kotak Registration 2

Step 3: Check the section below your name on your Kotak debit/credit card to find your CRN. If you do not have your card with you, send an SMS to 5676788 with the message ‘CRN’. You will receive your CRN via SMS.

Kotak Registration 3

Step 4: Enter your debit/credit card or netbanking details to confirm your identity.

Step 5: Set a 6-digit MPIN and re-type the same to confirm.

Step 6: An activation code will be sent to your registered mobile number via SMS. Enter the code in the app and submit.

How to log in to Kotak Mobile Banking app?

Step 1: Open the Kotak Mobile Banking app on your smartphone. You will see a screen where your name and the last three digits of your CRN is displayed.

Kotak Login 1

Step 2: You must enter the 6-digit MPIN you have set during the registration process to access your account.

Kotak Login 2

Step 3: Upon successful login, a dashboard will be displayed as given in the image below:

Kotak Login 3

Services available on the Kotak Mobile Banking app

  • Check the outstanding balance of your Kotak Bank savings, current, recurring, and term deposit accounts.
  • View transaction history and account overview.
  • Request for account statement.
  • Open recurring and term deposit accounts online.
  • Access term deposit calculator and latest interest rates.
  • Make premature withdrawal of recurring/term deposits.
  • View and modify MMID.
  • Check the account balance via virtual assistants.
  • Know more about Kotak offers.
  • Transfer funds to beneficiaries through NEFT/RTGS/IMPS.
  • View and schedule payments.
  • Scan and pay to retail merchants via UPI.
  • Make bill payments to various utility service providers.

How to transfer funds via Kotak Mobile Banking app?

Step 1: Log in to your account with MPIN on the Kotak Mobile Banking app to view the dashboard.

Kotak Transfer 1

Step 2: Click on the ‘Transfer Money’ option on the dashboard.

Kotak Transfer 2

Step 3: You will see the ‘Payments’ page with various payments-related options available. You can also see the most recent money transfer and an option to schedule payments. Select the ‘Send Money’ option here.

Kotak Transfer 3

Step 4: You can either ‘Add Beneficiary’ or ‘Send to My Beneficiary’.

Kotak Transfer 4

Step 5: Consider choosing to add a beneficiary before making the transfer.

Kotak Transfer 5

Step 6: You must select the beneficiary’s bank from the dropdown menu; enter the beneficiary account number, re-type the account number to confirm, set a nickname, enter the beneficiary name, select the account type, and click on ‘Continue’.

Kotak Transfer 6

Step 7: The beneficiary details you have entered will be displayed for you to review before confirming. If all the details are correct, click on ‘Submit’.

Kotak Transfer 7

Step 8: Beneficiary Activation Key will be sent to your registered mobile number. Enter this key at the space provided and click on ‘Activate’.

Kotak Transfer 8

Step 9: The details of the newly added beneficiary will be displayed as shown in the image below. If you wish to transfer money to this beneficiary account, click on ‘Transfer Now’.

Kotak Transfer 9

Step 10: Now, you will see a screen that shows your account details on the top and the beneficiary account details next to it. Enter the amount you would like to transfer and remarks if any. Click on ‘Continue’.

Kotak Transfer 10

Step 11: Choose the mode of transfer – NEFT, RTGS, IMPS, or Scheduled Payment. Click the ‘Continue’ button.

Kotak Transfer 11

Step 12: Before proceeding with the transfer, you will be prompted to review the transaction details. Upon reviewing, click the ‘Confirm & Pay’ button.

Kotak Transfer 12

Step 13: You must enter the 6-digit MPIN to authorise the money transfer.

Kotak Transfer 13

Step 14: Upon successful authorisation, the transaction is complete. The transfer details will be displayed along with a 12-digit reference number for future reference.

Kotak Transfer 14

Frequently Asked Questions

I do not have a smartphone. Can I still reap the benefits of Kotak Mobile Banking app?

The basic requirement for you to enjoy the services offered by Kotak Mobile Banking app is to have a smartphone. The app is supported by the Android operating system (version 5.0.0 onwards) and iOS (version 8.0 onwards). In addition, you must have a stable internet connection to be able to use the app.

Should I register for netbanking before registering for mobile banking?

There is no mandate regarding registering for netbanking before mobile banking. You can choose to register only for mobile banking. You can choose any platform to ease your daily banking needs based on your preference.

Can I access more than one Kotak accounts from a single device?

You can access up to three accounts from a single device.

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