This app was soo useless and the kotak bank calling service is most madning because,when i call customer service they say to me " your mobile is not recharge plz recharge it " but i recharged my mobile. Even what will be they number gives to connect them they are not exist my experience is so bad . When i sent a money i received msg of transaction successful but the money was not debited to another person and in kotak 811 app there was transaction fail and from my account i lose my money.