Kotak 811 is one of the great work done in digital banking. Now you can open account in just 5 minutes .i have opened this account because all most all bank are charging NMC now a day and this provide free that is zero account .you do not need to keep any amount and you get virtual card also .you just need to have aadhar card and pan card and you can open this account .the app work fine and all most all banking things are stuffed in this app.very nice app.