kotak Bank App redirecting to kotak 811 app For NEW KOTAK 811 account

[varun__goel_]

Guys, how has been your overall experience with Kotak 811 (Full KYC; Non-Super) so far? I'm planning to open a zero-balance account, primarily for P2P and P2M UPI transactions. I'm confused between Kotak 811 and BOB Lite. While I have first-hand experience with BOB's tech (My sibling has the same account scheme with BOB), and I really don't like it much, however it's not that bad either, but I don't have any experience with Kotak Mahindra Bank. The most common feedback I've heard about Kotak is, freezing of accounts, but not sure if it is way too common.

For normal txns, 811 is ok. But if you're gonna keep high balance and have plenty amount of txns, I will recommend BoB.

 

[✪ D&C Cards Connoisseur 💳]

Workaround - I installed Kotak Lite today and saw 811 a/c showing up, virtual DC details displayed with upi same as main Kotak app i.e. @kotak. Kotak Lite is smooth and lite app with all necessary banking options including CC (if you have).
The reason I chose Kotak Lite over Kotak 811 app, is my @kotak upi handle is linked in all my 3rd party apps like Apay, Cred, Gpay, Paytm, etc. and is not willing to change. However Kotak 811 app has @kotak811 upi handle by default and can't be changed.