Locate Karnataka Bank Customer ID: Easy Steps

Here is another story of my client, meet Sonam Yadav, a school teacher from Alwar, Rajasthan, recently. She opened an account in the Karnataka Bank and tried logging into her Karnataka Bank net banking account for the first time.

She needed to urgently transfer money to a supplier. But to her surprise, she couldn’t log in because she didn’t remember her Customer ID. She searched through her debit card, called customer care, and even tried SMS options — but still struggled.

If you have ever faced a similar issue, don’t worry — you’re not alone.

This guide is for people just like you. Hi, I’m Nanne Parmar, a finance author and editor. I can relate to your confusion. That’s why I have created this super simple guide to show you how to find your Karnataka Bank Customer ID — even if you don’t want to log in anywhere or visit a bank.

Just scroll down and explore every option step-by-step. So, without wasting time, let’s begin the guide.

Let’s begin the guide –

What is the Customer ID in Karnataka Bank?

Karnataka Bank is an ‘A’ Class Scheduled Commercial Bank in India with a strong presence across the country, up to 957 branches. According to the Wikipedia page of Karnataka Bank, it has a net worth of ₹120.44 billion and serves over 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.

• 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)

How is a CIF Number different from an account number?

Here are four key differences:

1. Customer ID is permanent, even if you open or close multiple accounts. Account numbers can change.
2. One CIF Number can be linked to multiple accounts, but each account will have a unique account number.
3. The login ID is used for net banking, app login, and even checking statements, not for transactions.
4. An account number is required to receive or send money, but not for logging in.

Where is the Customer ID required?

• 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

Now you understand how important it can be. So let’s find out about all the ways to retrieve it quickly. starts with one of the easiest ones –

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.

3. Check Your KBL Bank Documents

If you struggle with these online options, here are a few foolproof options we found for you. You can find your Karnataka Bank CIF ID printed on many official documents. Here’s where to look:

1. Welcome Kit – It was received just after full KYC of your bank account. It came with multiple papers and books. Keep checking it out.
2. 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.
3. Passbook – Check the first page; the Customer ID is printed along with account details.
4. Cheque Book – Sometimes printed on the inner or cover pages.
5. Debit Card (Back Side) – Rare, but worth checking.
6. Credit Card Paperwork – Only for credit card holders, check documents mentioning credit limits. Also, provide a CIF linked with a credit card.
7. Physical Statements – Older printed statements often have the CIF or Customer ID on top. You can request a duplicate copy of the statement via the KBL mobile banking app; charges may apply up to Rs. 100 + Taxes.

Tip for You: If you don’t have the original documents, request a duplicate or download a digital statement from net banking.

4. Call Karnataka Bank Customer Care

If you’re still unable to get your ID through the above methods, calling customer care 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

1. Be prepared with details like:
2. Your full name
3. Account number
4. Date of birth
5. Last transaction (for verification)

• Email Support: If the Customer care system does not work for you, you can drop an email with your account number and mobile number here – info@ktkbank.com
• KBL Bank WhatsApp Support: Send “Hi” to +91 9632188999
• Visit Your Karnataka Bank Branch: If none of the above methods work or you prefer speaking to someone in person:

1. Visit your Home branch or 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.

Pro Tip: You can use Karnataka Bank online tool, The branch locator to find nearest branch from your house. it fast and simple, try it out.

FAQs

I hope you liked this article and now clearly understand how to retrieve your Customer ID. Please bookmark our site and share this guide with your friends or family — you never know who might need it.

Also, comment down below your question and explore our guide –

• Find All Banks Customer IDs in 2025

Disclaimer: Information shared here is based on publicly available sources and personal experiences. It is for knowledgeable purposes only. Please verify with the Karnataka Bank official website for the latest updates.