Want to Close Kotak 811 Account Online After Recent Freeze — Any Way to Do This Without Visiting a Branch?

[Deepak_9155]

I want to permanently close my Kotak 811 account after a frustrating experience, and I’m hoping someone here can help me with the online closure process (if it exists).

Here’s the full story:

• I opened a Kotak 811 account on June 28th, mainly to get the ₹500/month cashback offer.
• On July 1st, I upgraded it to the 811 Super variant by depositing ₹5,000. ₹399 was deducted as the upgrade fee.
• On July 2nd, I simply withdrew ₹5,000.

Then, out of nowhere, on July 3rd, my account was frozen. No prior notice, no alerts - just a message saying "transaction patterns differ from your regular activities."


Which was odd, because the account wasn’t even a week old at that point.
After completing Aadhaar KYC, occupation, real-time selfie, and address verification via Kotak customer care, my account finally got unfrozen today, July 6th.



To give you an idea, here's the total activity:

• Total Deposits: ₹12,017.00
• Total Withdrawals: ₹11,005.00
• Closing Balance: ₹1,012.00
• Only 8 deposits and 4 withdrawals - nothing suspicious at all.

This whole experience has been disappointing. Just for this limited activity, they froze my account and gave no real explanation. In the meantime, I contacted them several times to know the exact reason for the freeze, but no one from the Kotak customer care team gave me a proper answer.

So I contacted Kotak customer care today and told them I want to close the account.
They said they can refund the ₹399 Super account charges and convert the account back to regular 811.

But for permanent closure, they clearly said I’ll need to visit the nearest Kotak branch, which is 33 km away from my home.
That’s just not practical for a digital-first account. If everything can be done online, why not closure?

So now I’m looking for help from anyone here who has:

• Successfully closed a Kotak 811 (or Super) account online, or
• Found a workaround without physically visiting a branch.

Any help or recent experience would be really appreciated!

 

[hender]

I want to permanently close my Kotak 811 account after a frustrating experience, and I’m hoping someone here can help me with the online closure process (if it exists).

Here’s the full story:

• I opened a Kotak 811 account on June 28th, mainly to get the ₹500/month cashback offer.
• On July 1st, I upgraded it to the 811 Super variant by depositing ₹5,000. ₹399 was deducted as the upgrade fee.
• On July 2nd, I simply withdrew ₹5,000.

Then, out of nowhere, on July 3rd, my account was frozen. No prior notice, no alerts - just a message saying "transaction patterns differ from your regular activities."
View attachment 102752

Which was odd, because the account wasn’t even a week old at that point.
After completing Aadhaar KYC, occupation, real-time selfie, and address verification via Kotak customer care, my account finally got unfrozen today, July 6th.

View attachment 102753

To give you an idea, here's the total activity:

• Total Deposits: ₹12,017.00
• Total Withdrawals: ₹11,005.00
• Closing Balance: ₹1,012.00
• Only 8 deposits and 4 withdrawals - nothing suspicious at all.

This whole experience has been disappointing. Just for this limited activity, they froze my account and gave no real explanation. In the meantime, I contacted them several times to know the exact reason for the freeze, but no one from the Kotak customer care team gave me a proper answer.

So I contacted Kotak customer care today and told them I want to close the account.
They said they can refund the ₹399 Super account charges and convert the account back to regular 811.

But for permanent closure, they clearly said I’ll need to visit the nearest Kotak branch, which is 33 km away from my home.
That’s just not practical for a digital-first account. If everything can be done online, why not closure?

So now I’m looking for help from anyone here who has:

• Successfully closed a Kotak 811 (or Super) account online, or
• Found a workaround without physically visiting a branch.

Any help or recent experience would be really appreciated!

First take 399 refund back into account and withdraw/ trf all the funds..

 

[Deepak_9155]

First take 399 refund back into account and withdraw/ trf all the funds..

already requested

they told it will take 3-5 working days for refund !

 

[Deepak_9155]

how to close online ???

 

[sudheerreddy]

Closing of the Kotak 811 account through Online is not possible.
You need to visit the nearest branch