Hello friends, It’s a best mobile banking app in India named as Kotak 811 & Mobile banking. I used this app and service for one year. The best thing is, you can able to open an account within a minute, only you need your aadhar card and PAN card. And then the best feature is it’s zero balance opening scheme that means there is no charge for maintaing a specofic balance. They provide us a virtual visa international debit card for free. You can use it for every payment. My best experience with this app is the nice interface and their good customer service. After opening an account online, you need to go nearest kotak bank for full kyc verification. So I go and I experienced their good customer service. They are so polite. So I used their service for everything. Thus iny point of view, everyone should use this app. Thank You.