Hello guyz I would like to share my experience with this Kotak-811 Mobile Banking service. This app is having very bad interface and they don’t have service in all the places, very limited cities are covered in this mobile banking service. I tiered to open account and when I saw the interface it was very poor. And the terms and conditions are almost like normal banking sectors. Instead of this Digibank by DBS is awesome they will provide free visa physical debit card with paywave feature with absolutely free of cost. I don’t recommend this go for digibank by DBS you will have good Banking experience.