Locate Karnataka Bank Customer ID: Easy Steps

What Exactly Is Karnataka Bank Customer ID?

Customer ID (also known as CIF or User ID) is a special, random number assigned to each Karnataka Bank customer.

• It’s a permanent code, doesn’t change even if you open/close multiple accounts.
• This is typically a 9-digit number, as confirmed by the Karnataka Bank AI Chatbot.
• In some internal systems, it might be 11 or 12 digits.
• It is also referred to as: CIF Number, Login ID, and User ID (netbanking)

Why does Karnataka Bank allocate a Customer ID to you?

Karnataka Bank is an ‘A’ Class Scheduled Commercial Bank in India with a strong presence across the country, up to  11 million customers as of March 2025.

To manage this vast network efficiently and serve crores of customers smartly, the bank assigns a unique identifier to each customer, known as the Customer ID.

When Will You Need Your Customer ID the Most?

You’ll be asked for your Karnataka Bank Customer ID when:

• Accessing Karnataka Bank Internet Banking
• Logging into the KBL Mobile Plus App
• Registering on the KBL mPassbook App
• Downloading e-statements
• Recovering or resetting User IDs and Passwords
• Activating digital banking services

What Are the Key Differences Between Customer ID and Account Number?

Feature	Customer ID (CIF)	Account Number
Uniqueness	One per customer	One per account
Changes over time	Never changes	Can change if you switch
Usage	For login, identification	For deposits and transfers
Visibility	Found in profile/login tools	Printed on passbook, chequebook, and Physical Statements

Where Can You Find Your Customer ID Without Logging In?

Some methods don’t need an app login or password and require only your mobile number and account number to find –

1. Get Customer ID by SMS

Recently, the Bank launched the KBL Moneyclick Internet banking option for a better digital experience. This is one of the easiest options provided by Karnataka Bank to retrieve it.

As I already told you, Customer ID, also known as User ID, is confirmed by the KBL Moneyclick Netbanking user manual. All you need is your account number and mobile number. Here are the steps to follow –

1. Go to Google and search “MoneyClick Karnataka Bank Netbanking”.
2. Click on the official link and hit the Login button.
3. Tap on Forgot User ID?
4. Here you have to enter your full Account Number.
5. Enter your bank-registered phone number, and tap on submit button.
6. Now, you will get a 6-digit OTP on your phone number via SMS.
7. Enter the OTP and verify.
8. You’ll receive your Login ID (which is your Customer ID) via:
   • SMS on your mobile number
   • Email on your registered Email ID

Tip: Make sure your mobile number and email are updated in your bank records. If not, visit your branch and update them.

2. Use the Karnataka Mobile App

If you have the KBL Mobile Plus app, you can easily retrieve your ID by just logging in. Here’s how:

1. Download the KBL Mobile Plus App: Available on both iOS and Android platforms.
2. Open the App and tap on “Register” if you haven’t registered before.
3. Send an SMS: Register through the app by sending an SMS from your registered mobile number.
4. Enter OTP: An OTP will be sent to your registered mobile number.
5. Enter Debit Card Details: Complete the registration by entering the required details.
6. Set a 4-digit MPIN: This is used for logging into the app.
7. Log in and go to “My Profile”: After logging in, go to the “My Account” section, then select “Update”.
8. View Your Customer ID: Your Customer ID or CIF will be displayed in this section.

Note: For this method, you must have a Karnataka Bank RuPay debit card or a branch token to log into the mobile app.

3. Call Karnataka Bank Customer Care

Calling the Karnataka bank helpline is an efficient option. They will guide you and provide your Customer ID after successful identity verification. Here’s what you can do:

• Toll-Free Numbers (India):
  • 1800 425 1444
  • 1800 572 8031
• For NRIs: 080-220 21555

The agent may ask you a few details –

• Your full name
• Your Account number’s last digit
• Date of birth
• Your father’s or mother’s name.

Once verified, they will repeat your customer ID number or send you via email or SMS to your registered mobile number.

When You Might Face Issues Retrieving Your ID

1. If You’re a New Account Holder (No Docs Yet)

• You may not have a passbook or letter
• Use the “Forgot User ID” online method
• Or call 1800 425 1444 with Aadhaar & account number
• You can wait for your debit card to be delivered to activate mobile banking to find your customer ID, or you can visit a branch to get a branch token to activate Netbanking instantly.

Wait for –

• Welcome Letter – Provided when you first opened the account. Usually on the KYC is received by India Post or directly to your registered email Address.

2. If Your Account Is Inactive

1. Visit your Home branch or the nearest branch.
2. Carry a valid government-approved document, such as your Aadhaar, PAN Card, or Passport.
3. Ask the bank officer to help you retrieve your Customer ID and New Passbook mentioned with CIF.
4. After verification, they’ll provide it to you on the spot or via SMS/email.

3. If You’ve Lost All Documents or Access

You can drop an email to their official email address – info@ktkbank.com

• Mention your:
  • Full Name
  • DOB
  • Account Number
  • Registered email account only

The bank will verify and reply with your ID (within 1–2 working days)

Additional Questions