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If you have lost your debit or credit card, or if it has been stolen, you should immediately report the incident to Karnataka Bank to ensure your account's security. You can send an email to info@ktkbank.com detailing the situation. Alternatively, you can call our toll-free customer numbers at 1800 425 1444 or 1800 572 8031. Prompt reporting is crucial to prevent any unauthorized transactions and to secure your account.

A savings account is designed for individuals who want to save money and earn interest on their deposits. In contrast, a current account is geared towards businesses and individuals who require frequent and high-volume transactions without interest earnings. Current accounts often come with facilities like overdrafts to accommodate the fluid nature of business transactions.

Enjoy a 4.5% per annum with the SB Instant Savings Account.

We prioritize expedient loan processing, understanding the importance of timely financial support for your business aspirations.

When you issue a cheque for ₹50,000 or more, you provide details like the cheque date, payee name, amount, and cheque number into the system. The bank verifies these details when the cheque is presented for payment, ensuring the authenticity of the cheque.

KBL Samriddhi is a specialized financial product suite from Karnataka Bank for High Net Worth Individuals, offering a range of elite investment solutions.

Yes, Karnataka Bank offers Sovereign Gold Bonds, which are a safe alternative to physical gold. Investors can buy gold in multiples of one gram, up to certain limits per fiscal year​​.

You will require Proof of Identity (aadhar card, PAN card, driver’s license) and relevant KYC documents to open a savings account. If you are an existing customer, you would need to provide the relevant credentials registered with us.

The account portability facility allows you to transfer your account from one branch to another while retaining the same account number, ensuring convenience and continuity in your banking relationship.

Enjoy an interest rate of 4.5% per annum with all of our savings accounts.

You will require Proof of Identity (aadhar card, PAN card, driver’s license) and relevant KYC documents to open a savings account. If you are an existing customer, you would need to provide the relevant credentials registered with us.

The minimum balance required for our savings accounts varies depending on the type of account you choose. Premium accounts like SB Money Sapphire, SB Money Ruby, and SB Money Platinum Savings Accounts require a specific minimum balance. However, accounts like the SB Sugama Zero Balance Account and KBL Tarun Student Savings Account offer zero balance convenience. For more flexibility, our SB General Savings Account has variable minimum balance options. We ensure that your choice fits your financial needs by providing a range of options.

Yes, you can change your type of savings account. Please visit the branch to change your savings account variant.

If you have lost your debit or credit card, or if it has been stolen, you should immediately report the incident to Karnataka Bank to ensure your account's security. You can send an email to info@ktkbank.com detailing the situation. Alternatively, you can call our toll-free customer numbers at 1800 425 1444 or 1800 572 8031. Prompt reporting is crucial to prevent any unauthorized transactions and to secure your account.

Typically, our savings accounts come with several value-added services like KBL Suraksha, a unique personal accident insurance scheme and social security schemes like the Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)and Pradhan Mantri Suraksha Bima Yojana (PMSBY). Additionally, services like KBL Demat Account, Gift Cards, Travel, e-tax payment services, co-branded credit facilities, and optional safe deposit lockers are subject to availability depending on the specific account.

To download the KBL Mobile Plus app, visit the Google Play Store or Apple App Store on your mobile device. Search for 'KBL Plus' in the store, select the app published by Karnataka Bank, and click 'Install' to download it onto your device.

A savings account is designed for individuals who want to save money and earn interest on their deposits. In contrast, a current account is geared towards businesses and individuals who require frequent and high-volume transactions without interest earnings. Current accounts often come with facilities like overdrafts to accommodate the fluid nature of business transactions.

Your savings account earns interest by applying the annual interest rate to the daily collected balance in your account. The interest is usually compounded quarterly and credited to your account, contributing to the growth of your savings over time.

The MAB for your savings account is calculated by adding the closing balance of each day in a month, then dividing that total by the number of days in the month. This figure represents the average balance you've maintained throughout the month.

A current account is designed for regular, high-volume business transactions. Ideal for firms, entrepreneurs, and professionals, it allows unlimited deposits and withdrawals, crucial for day-to-day operations. Unlike savings accounts, they're tailored for active use rather than earning interest, catering to the dynamic needs of businesses.

While savings accounts are meant for accruing interest and saving money over time, current accounts are designed for frequent business transactions. They offer features like a higher number of transactions, no cap on deposits or withdrawals, and tools for managing cash flow, like overdraft facilities.

Typically, current accounts do not earn interest as they are structured for regular transactions and not for saving money. Their primary focus is to provide seamless and efficient transaction capabilities for businesses and professionals with high transaction needs.

An overdraft facility allows you to withdraw money beyond your account balance up to a specified limit. This feature acts as a financial safety net, providing temporary funds and easing cash flow challenges in your business. It's particularly useful for covering short-term expenses without the need for a formal loan.

Absolutely. Our current accounts come with comprehensive online banking facilities. This allows you to manage your finances, make transactions, and access banking services from anywhere, ensuring convenience and efficiency in managing your business finances.

One of the key advantages of current accounts is the absence of transaction limits. They are designed to accommodate the high frequency and volume of transactions typical in business operations, offering you the flexibility to manage your finances without constraints.

While current accounts are primarily designed for businesses and professionals, they can be used for personal purposes, especially if you have high transaction needs. They offer greater flexibility and transaction capabilities compared to a standard savings account.

Charges for current accounts can vary based on the account type and services used. Common charges include account maintenance fees, transaction fees, and charges for additional services like overdrafts. It's important to review the fee structure to understand the costs associated with the account.

Yes, our current accounts support international transactions. This feature is particularly beneficial for businesses engaged in international trade, allowing for seamless global financial exchanges and currency management.

To open a current account, you'll need to provide your business-related documents along with personal identification. This can be done either through our online portal or by visiting a branch. Our team will guide you through the process, ensuring a smooth and hassle-free experience.

A debit card works as a convenient payment tool linked directly to your bank account. When you make a purchase or withdrawal, it deducts the amount from your available balance. You can use it for in-store or online purchases, at ATMs to withdraw cash, or for contactless payments. It's a secure and efficient way to access your funds without carrying cash.

Different debit cards will have varying spending limits, depending on type and usage. Additionally, you can set your own limits for e-commerce and POS transactions on the mobile app.

If you have lost your debit or credit card, or if it has been stolen, you should immediately report the incident to Karnataka Bank to ensure your account's security. You can send an email to info@ktkbank.com detailing the situation. Alternatively, you can call our toll-free customer numbers at 1800 425 1444 or 1800 572 8031. Prompt reporting is crucial to prevent any unauthorized transactions and to secure your account.

Your card will be automatically activated for payment transactions at merchant outlets within 24 hours of your first cash withdrawal transaction at any ATM.

Yes, you can generally use your debit card at any ATM. However, using an ATM outside of your bank's network may incur additional fees. Some banks have agreements with other networks for fee-free withdrawals, so it's best to check with your bank for specifics.

A debit card allows you to spend money by drawing on funds you have already deposited in your bank account. In contrast, a credit card lets you borrow money up to a certain limit for purchases, which you'll need to repay with interest if not paid in full by the billing cycle's end.

SMS banking with debit cards typically involves receiving automatic text alerts for transactions made with your card. It can include alerts for withdrawals, purchases, or any other card activity. This service helps in monitoring transactions and quickly detecting any unauthorized use.

An RFID (Radio Frequency Identification) chip in a debit card allows for contactless payments. It uses radio waves to communicate with a card reader when the card is held close to it. This technology enables faster and more convenient transactions without the need to insert the card into a reader.

The CVV (Card Verification Value) is a 3 or 4-digit code on your debit or credit card, used as an additional security measure for online or phone transactions. It helps verify that the card is in the physical possession of the person making the transaction.

To download the KBL Mobile Plus app, visit the Google Play Store or Apple App Store on your mobile device. Search for 'KBL Mobile Plus' in the store, select the app published by Karnataka Bank, and click 'Install' to download it onto your device.

Every credit card has a unique point system. For example, you could earn 1 point for every ₹150 spent, with accelerated points in select categories. You can redeem these for cash or items from our catalogue.

The annual charge for a credit card depends on the type of card. In some cases, this fees can be waived off if you can spent a certain amount in a calendar year.

If you have lost your debit or credit card, or if it has been stolen, you should immediately report the incident to Karnataka Bank to ensure your account's security. You can send an email to info@ktkbank.com detailing the situation. Alternatively, you can call our toll-free customer numbers at 1800 425 1444 or 1800 572 8031. Prompt reporting is crucial to prevent any unauthorized transactions and to secure your account.

Each credit card is unique. Sometimes, purchases in fuel, insurance, utilities, and cash transactions do not earn reward points. It is best to check with the terms and conditions of the specific credit card.

Yes, you can use a credit card at most ATMs for cash advances. However, be aware that cash advances typically come with high fees and interest rates, which accrue immediately without a grace period.

A credit card lets you borrow funds up to a set limit for purchases, with the expectation that you will pay back the borrowed amount. Interest is charged if the balance is not paid in full by the end of the billing cycle. In contrast, a debit card draws directly from your bank account, using your available funds.

SMS banking for credit cards works by sending you text alerts for your transactions. These alerts can include notifications for purchases, payments, and nearing credit limits, helping you keep track of your spending and card security.

An RFID chip in a credit card is used for contactless payments. This chip uses radio waves to communicate with card readers, allowing for quicker transactions without physically swiping or inserting the card.

The CVV (Card Verification Value) is a 3 or 4-digit code on your debit or credit card, used as an additional security measure for online or phone transactions. It helps verify that the card is in the physical possession of the person making the transaction.

To download the KBL Mobile Plus app, visit the Google Play Store or Apple App Store on your mobile device. Search for 'KBL Mobile Plus' in the store, select the app published by Karnataka Bank, and click 'Install' to download it onto your device.