Airtel Payments Bank has rolled out commercial services across the country. The bank, a joint venture between Bharti Airtel (80.1 per cent) and Kotak Mahindra Bank (19.9 per cent), is offering an interest rate of 7.25 per cent on deposits in savings accounts, but will charge a fee of 0.65 per cent on all cash withdrawals from the account. Further, the bank will allow the transfer of money to any bank account in India at a transaction fee, but money transfers from one Airtel number to another within the Payments Bank will be free. Moreover, Airtel is offering one-minute talktime for every rupee deposited at the time of opening an account as well as free personal accident insurance of Rs 100,000 with every savings account.