L use this feture from kotak bank after 6 month I write this review so this app is good and the benifit from bank is also good. You have able to make account online and at your home also you transfer money no cost of any service or orher taxes. Also this feture in app and app free avilable on google play. I make my acc in a minute at home. But it have some bonderies but it doesn’t matter you make a zero account and maximum 20000/- and every common man able to use like this. Also you able to make it sallery account. Also trading account atatched with this bank also upi also scan to pay and recharge option avilable here. Alsoyou have virsual atm in app so you not have problem in online transition. I enjoy this bank I think you also enjoy it try once( it is not paid review so make your own sense thank you)