I have a very good experience with mobile banking that too with Kotak- 811. I don’t have bank account in Kotak -811 bank but I use my brother account which is easily in his mobile to use internet banking services very easily. It is India’s first downloadable account service. You can even open your account with even zero bank account which is not available in most of the banking services and it is portable with internet banking services. You can very easily open your account in just five minutes, and is available with virtual debit in which you can easily scan and pay at any time.