Kotak Bank is best I have Kotak Bank debit card at home But I prefer online banking that why I use Kotak app I do DTH recharge online bills l am booking movie from Kotak bank app I transfer money to another bank from Kotak Bank app it is easy and fast and I investing in mutual fund from Kotak Bank app very nice no charge cut for Kodak bank get bank best app I have seen before unlimited discount for online banking fabulous