Galgal – Digital Banking Made Simple
COSMO Galgal is the official digital savings account app offered by Cosmos Co-operative Bank. It brings together 120 years of trusted banking with intuitive technology to deliver a fully digital zero-balance savings experience. Users can open their account within minutes, access a virtual RuPay debit card, and make secure UPI transactions. COSMO Galgal is more than a bank account—it’s a smart financial assistant that helps you budget better, save faster, and spend more mindfully through features like auto-split budgeting, visual expense insights (TrendZ), and custom savings goals. All of this is backed by the secure infrastructure of Cosmos Co-operative Bank.
- Available to Indian Residents aged 18 years and above.
- Aadhaar card and PAN card required for onboarding.
- Video KYC verification via the mobile app
- Access available in the following states: Maharashtra, Karnataka, Gujarat, Telangana, Tamil Nadu, Andhra Pradesh, Madhya Pradesh.
- Zero balance account – no average quarterly balance requirement.
- Instant virtual RuPay debit card; physical card available on request via app.
- Deposit Money from any other bank account instantly via UPI
- Budgeting and savings features including auto-split rules and custom goals.
- TrendZ – real-time expense tracking and analytics.
- Secure login with Mobile PIN, Transaction PIN, and fingerprint authentication.
- 24x7 access to your account with full control via the COSMO Galgal mobile app..
- Aadhaar card
- PAN card
- College ID Card for students
- Valid proof of Current Mailing Address
Get In Touch
Our Expert will call you back on the number provided by you within 24-48 hours to assist you further. Thank you for your interest in Cosmos Bank
- Young professionals and salaried employees – looking for a zero-balance salary account with UPI and debit card access
- Students and first-time account holders – who want a simple, fully digital account without branch visits
- Freelancers and gig workers – to receive payments, track expenses, and build savings
- Small business owners and entrepreneurs – who need UPI-linked accounts and expense management tools
- Digital-first users – anyone seeking a modern, secure, and app-based banking experience backed by Cosmos Bank’s trust
- All accounts are provisioned and maintained by Cosmos Co-operative Bank.
- UPI functionality and debit card services are governed by the bank’s operational framework.
- For customer support, contact: cosmos.support@galgal.money
*Terms and Conditions Apply