Kotak Mahindra Bank and the 811 digital account attract people who want fast onboarding and heavy UPI use — which also means a high volume of Kotak debit alerts. Add a Kotak credit card and the inbox fills with charge mails that never get sorted into rent, food, or subscriptions.
Paisewise reads Kotak alert emails from Gmail with read-only access, extracts transactions from known Kotak senders, and builds a categorized spending dashboard. You keep banking in the Kotak / 811 apps; expense tracking stops depending on memory and screenshots.
Why Kotak 811 spends need automatic tracking
811 accounts are popular as secondary or “UPI-first” wallets sitting beside a salary bank. That split makes manual tracking worse: half your life is in Kotak alerts, half in another bank’s mail, and neither app shows a combined category view.
Kotak’s email alerts are timely but repetitive. Humans ignore them; automation thrives on them. Paisewise is designed for exactly that pattern — known bank alert senders, structured extraction, one dashboard across Kotak and your other Indian banks when those alerts share an inbox.
Which Kotak alerts Paisewise tracks
Paisewise connects to your Gmail with read-only access and pulls transaction alerts from known Kotak Mahindra Bank and card-issuer sender addresses — not your personal mail. Typical sources include:
- Kotak savings and current account transaction alert emails
- Kotak 811 and mobile-banking payment confirmations delivered as alerts
- Kotak UPI debit notifications for the linked account
- Kotak credit card charge and bill-due notifications
Once extracted, Kotak spends sit beside your other bank alerts in categorized monthly totals — useful when 811 is only one piece of the household puzzle.
Tips for Kotak and 811 email alerts
Digital-first accounts sometimes default to app and SMS notifications. Explicitly enable email transaction alerts if you want a durable, searchable history for Paisewise.
- In the Kotak or 811 app, confirm debit alerts are emailed to the Gmail address you will connect — including UPI payments.
- If Kotak is your “spending” account and another bank holds salary, route both banks’ alerts to one Gmail so month-end is not a two-app scavenger hunt.
- Kotak credit card and savings alerts may use different sender identities; enable email on both products.
- See the guide on organizing bank alert emails if Kotak mail is landing in Gmail’s Updates tab.
How Paisewise stays safe with your Kotak Mahindra Bank mail
Paisewise uses Google's read-only Gmail scope. It cannot send, delete, or modify your mail, and it focuses on known Indian bank and card-issuer alert senders — not your personal conversations. It cannot move money, and you can revoke access from your Google account at any time. Full detail is on our privacy policy.
Most households use more than one bank. When alerts from Kotak Mahindra Bank and your other institutions share the same inbox, they are extracted into one ledger with UPI spends and categorised monthly trends, so the full picture lives in one place.
Kotak Mahindra Bank expense tracking — FAQ
Does Paisewise work with Kotak 811 accounts?
Yes, insofar as 811 (and other Kotak accounts) send transaction-alert emails to your Gmail. Paisewise extracts those alerts; it does not require a separate 811 API login.
Will Paisewise ask for my Kotak MPIN?
No. There is no Kotak password or MPIN collection. Access is read-only Gmail for known bank alert senders only.
Can I see Kotak UPI separately from card spends?
Extracted transactions retain enough detail from the alert to categorize and review. UPI debits and credit-card charges appear as distinct items when both alert types reach the connected inbox.
Built for Indian households, live today
The Paisewise web app is live for everyone and free while in beta: automatic Kotak Mahindra Bank expense tracking from alert emails, categories you can edit, monthly and per-bank trends, statement PDF reconciliation, and an AI chat over your own transactions. Android and iOS are in a seat-limited private beta.
Not built yet, and we would rather say so: live Account Aggregator bank connections, investment or net-worth tracking, and a family or household view. The roadmap on the homepage keeps the full list in the open.