Download the Kotak Mobile Banking app from app.kotak.com or go to respective application stores - Apple App Store / Google Play Store / Blackberry World / Windows Store. You can also SMS Mobile to 9971056767 / 5676788 to receive the link on your registered mobile number.

Mobile Banking App is supported on GSM / CDMA phones. The app is available in iOS (version 4.3 onwards), Android (version 2.2.3 onwards), Windows (version 8.0 onwards) and Blackberry (version 5.0 onwards) operating systems. You need to have access to internet to use the app.

Getting started on Kotak mobile banking app is very simple.
For Android and Windows phones: (1) Click on the app icon to launch the app. Enter your CRN (2) Authenticate using debit/credit card or NetBanking details (3) Set your 6 digit Mobile Banking PIN (MPIN) (4) You will receive an activation code on your registered mobile number. Enter this activation code in the app to complete the registration. You will be logged into your account.
For Blackberry 7 phones, iphones, Android tablets & ipads: (1) Click on the app icon to launch the app. Enter your CRN (2) Authenticate using debit/credit card or NetBanking details (3) Set your 6 digit Mobile Banking PIN (MPIN). (4) You will receive the activation code on your registered mobile number. Forward this SMS from your registered mobile number to 9971056767 / 5676788 to complete the registration.

Yes. Mobile Banking is a separate channel from Net Banking channel. You would require an active Debit Card or Credit Card to register for Mobile Banking.

• Memorize your MPIN and do not write it anywhere. Please don't disclose your MPIN to anyone, including Kotak Mahindra Bank staff
• Change your MPIN at regular intervals
• Don't use obvious numbers like mobile or landline number, date of birth, etc. as MPIN

Mobile Banking app is absolutely free. There are no charges levied by us. However standard internet charges are applicable as levied by your service providers.

Our mobile banking platform uses secured HTTPS protocol for communication between the mobile client and the mobile server. Secure Hyper Text Transfer Protocol (HTTPS) uses HTTP, but, additionally activates Web server security, in the form of Secure Sockets Layer (SSL). This means that the communications between the client and the (host) Web server are encrypted. This is a highly secured environment to conduct their business with us. Additionally, all application related information stored in the device is encrypted.

Yes. You can track the accounts of your family members from one device. You can add upto 3 CRNs on a single device.

The admin of the mobile banking app in a device is termed as “Primary CRN”. By default, the first CRN added on the device will become the primary CRN. You can change the admin (primary CRN) from Settings.
Please note: Push Notifications and the ability to view My Kotak without logging in is available only for Primary CRN.

Click on “Add CRN” button available on the login page. Or use the “More” menu

Go to Settings > Manage Profile. While a primary CRN can delete any of the profiles, individual CRNs also have an option to delete their own profiles.

Only the primary CRN has the right to change this. Go to Settings > Manage Profile to change the Primary CRN. The MPIN of the CRN which is being changed to Primary CRN would also be required to complete this change.

Kotak Mobile Banking is offered to the customers who either have a bank account or any other banking relationship. Customers having a Current / Savings Account, a Term Deposit or a Credit Card with access to Active Net Banking or having an Active Debit / Credit Card are eligible to be registered for Mobile Banking.

The access and transaction rights are as given below:

Your MPIN gets locked when you enter it wrong 3 times consecutively. To unlock, use “Forgot MPIN” option on the More menu. Alternately, the MPIN will get unlocked automatically after 12 hours.

You can use the Forgot MPIN feature on the app to generate a new MPIN. You can reset your MPIN using your Net Banking password or Debit / Credit Card details.

Yes, in case you change your handset, you will have to install the application on your new handset and register the app in the device. Once registered, you can access your accounts from the new handset. You can access your accounts from multiple handsets and tablets using the same CRN and same MPIN.

You can customize your Home Page to view the information of your choice from a list of widgets. You have the option to view some of the account related information without logging in by setting MPIN off. The personalization option is available for Android, Blackberry 10, iOS and Windows versions.
Note: We have rationalized the list of widgets in order to improve the app performance.

Go to Settings > Edit My Kotak and switch MPIN off for the account balance without logging in. You can set MPIN off for a host of account related information and view them when you launch the app without logging in.
Only the primary CRN of the device can access this feature. This feature is available for Android, iOS, Windows and Blackberry 10 devices.

Add the “Offers” and “Kotak JIFI” widget to your “My Kotak”. Go to Settings > Edit My Kotak for the same. Once added, you can see your JIFI Social and Transaction points within the App. This feature is currently available for Android, iOS and Windows devices.

Go to Service Requests section in the app and select Debit Card requests or Credit Card requests to regenerate PIN.

Go to Service Request > Debit Card Requests > Set International Usage option and you can set / remove this facility from your card for any chosen date. If your card is not shown in the drum, it could be due to your card being permanently allowed or permanently blocked for International usage. Please contact the Customer Contact Center for the complete details of your card. This feature is currently available for Android, iOS and Windows devices.

You can transfer funds 24x7 and instantly through IMPS using IFSC and Account Number. You can also make NEFT / RTGS fund transfer 24x7. Requests received after the cut off timing will be executed in the NEFT / RTGS cycle of the next working day.

You can transfer funds to someone who is not registered as a beneficiary from “One time transfer without adding beneficiary” section. Go to Transfer Money > One time transfer without adding beneficiary. You can also view and repeat the One Time payments done in the past using “View & Repeat Transfers” button.

You can transfer a maximum of Rs. 50,000/- per transaction and a maximum of Rs. 1 Lac per day using One Time transfer without adding beneficiary.

You can choose the IFSC of a few selected banks from the “Select Bank” link while making a NEFT / IMPS Fund Transfer.

You can send money to anyone with just their mobile number using Message Money. You don’t need to know your friend’s Bank Account number or IFSC. This feature is available on Android and iOS.

Fingerprint authentication is applicable for Login and select features / transactions.

For the following financial transactions, you will be prompted for MPIN.

• Banking - Transfer Money, UPI, Scan n Pay, Message Money, IMPS fund transfer, mVISA
• Bill Pay and Recharge - Mobile Recharge, DTH Recharge, Add / Manage Biller, Manage auto pay, Balance Transfer, mVISA
• mStore -– all mStore services
• Credit Card - Balance Transfer, Regenerate PIN
• Service Requests - Debit Card Requests - Regenerate PIN

All other features / transactions can be accessed after log using fingerprint authentication.

If your device is supported for fingerprint authentication (In Android, devices with Android 6.0 and above are allowed), you will be once prompted to register at the time of login. In case you skip and wish to register later, you can do so from the “Fingerprint Authentication” section under “Settings”. Registration for fingerprint authentication is CRN and device specific and you will need to register separately for each CRN and on each device.

Yes, Fingerprint authentication can be turned ON or OFF from “Settings”, under ‘Fingerprint Authentication’. Once turned OFF, you will be logged out of the app for security reasons, and you can continue to login using MPIN. To turn fingerprint authentication ON, login to the app using MPIN and go to Settings.

Kotak Mobile Banking App will allow you to login with all fingerprints available on device including any fingerprint that may be added in future. For your security, please make sure you are the only person whose fingerprints are stored on the device.

Each CRN will need to be individually registered for fingerprint authentication. Only those CRNs which are registered for fingerprint authentication will be able to login to the app’ using any of the fingerprints stored on the device.

Fingerprint authentication is supported on select android devices with android version 6.0 and higher; and on iPhone 5S and higher. In case fingerprint authentication is supported on your device, you will get a prompt to register after login and see the option to enable/disable fingerprint authentication from settings.

No. For security reasons, login using fingerprint will not be enabled until MPIN is unlocked / reset.