I used this app since last 4 months and I got to know that this app is so easy to use and the service of kotak is best as compare to other and I always need to trnasfer money to other account and kotak bank app always make my work easy and transfer my money with in a sec to other account. And the most useful feature is we have option like ’view and repeat transfer’ for which we dont have to put acount no and ifsc code again and again. Much useful app. Try for it