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Introduction
In this era of Digital Banking, customers are looking for innovative banking services to make their life easier. Mobile Banking is one such offer devised by banks to give enhanced customer experience.
Mobile Banking allows a number of transactions to be done from the comfort of your home, office or anywhere in the world. Customers can perform banking transactions like Account Statement, Funds Transfer, FD/RD opening, Cheque book request, Bill Payments, contacting Customer Support and many other services via Mobile Banking.
SBI has a few Mobile Banking apps to allow different banking services to the customers. The primary mobile banking app of SBI, for retail banking customers, is YONO – SBI. There are other apps like SBI Quick, SBI Anywhere – Corporate, SBI Finder, SBI Pay, Secure OTP & YONO SBI Lite.
SBI YONO App
The SBI YONO App is the primary banking app for Retail customers. YONO stands for You Only Need One! This app comes with a host of banking services to give customers all-round banking experience.
Advantages of SBI YONO Mobile Banking App
The foremost advantage of Mobile Banking is Accessibility. Mobile Banking allows customers to conduct various banking services from anywhere in the world at any time. You just need a smartphone & internet for Mobile Banking. Let us have a better look at the advantages of mobile banking.
- Banking; Any Time & Anywhere: With an internet-enabled smartphone in your hand, you have your bank at your fingertips. Mobile banking is as full-fledged as internet banking. It offers almost all the banking services one can access through Netbanking. Moreover, you don’t need a laptop or a desktop to access mobile banking. Your smartphone will suffice. What more? You can access your bank anytime, anywhere in the world.
- Banking, Investing & Shopping: A one-stop-shop for most of your banking needs on your palms.
- Better security for your transactions: Mobile banking apps come with better security encryptions to avoid hacking. Also, with mobile devices using fingerprint scanners and retina scanners for safety, your mobile banking app is less likely to be hacked.
- YONO application even allows the person to open a new account with SBI.
- Another salient feature of the YONO app is that it can work even without internet banking. The app allows you to log in through the ATM card. On filling the details requested by the YONO app, you will be able to use the app even without the internet banking ID.
- YONO CASH, a feature on the YONO app allows customers to withdraw money from SBI ATM without using the ATM card.
- India’s largest shopping marketplace – The YONO App helps you to buy your groceries, the latest electronics, booking your flight/train tickets, or your next vacation. Customers are also offered exclusive discounts for their shopping, vacation bookings, flight and bus ticket bookings, train ticket bookings through IRCTC, food delivery, and much more.
- One view – Allows you to link and view all your relationships with all State Bank entities (Credit Cards, Life Insurance, General Insurance, Travel Insurance, Accident Insurance, SIP, Mutual Funds, or investments) under a single app.
- Experience convenience: Customers can now request Cheque Books, ATM Cards/Debit Cards or use the emergency services to change ATM PIN, block ATM cards/Debit cards or stop cheques, through YONO SBI
- Smart spending – This feature on the app gives you an overview of your expenditure based on the Intelligent Spend Analysis, which automatically tags and categorises your transactions
How to register for YONO SBI App?
The previous SBI Mobile Banking app was called ‘SBI Anywhere’. It was gradually replaced by the SBI YONO App. You can also use your Internet Banking credentials to register on the YONO App and start using it. If you do not have internet banking credentials, you can generate temporary internet banking password using your debit card, and register using the same.
YONO SBI Registration Process:
- Existing SBI Anywhere/INB users should perform one-time activation in SBI Anywhere Personal app with their existing SBI Anywhere/INB credentials.
- Existing Freedom users can register for SBI Anywhere Personal and Internet Banking using Freedom’s user-ID and MPIN.
- Registration of new users for SBI Anywhere/INB can be done using Debit Card details through the 'New User' option.
Who are eligible to register for the SBI YONO App?
Existing customers of SBI Bank Savings account and Current account are eligible to register and user SBI YONO Mobile banking app.
Banking services available through the SBI YONO App
My Accounts | Balance Enquiry | Check available balance of Savings & Current accounts |
Mini Statement | Details of recent transactions made in Savings & Current accounts | |
Transaction Accounts | View details and mini statement of transaction accounts. Swipe to view other accounts | |
Loan Accounts | View details and mini statement of loan accounts. Swipe to view other accounts | |
Deposit Account | View details and mini statement of deposit accounts | |
PPF Accounts | View details and mini statement of PPF and Sukanya Samriddhi accounts | |
mPassbook | Mobile passbook for transaction and PPF accounts. Set PIN to access mPassbook from pre-login section even without internet connectivity | |
Fund Transfer | Self - Accounts | Fund transfers to own accounts |
Third Party Account | Fund transfers to third party accounts within SBI | |
Other Bank Accounts | Fund transfers to accounts in other Banks using NEFT/RTGS/IMPS | |
IMPS-Mobile No and MMID | IMPS Person 2 Person (P2P) using beneficiary mobile number and MMID | |
Quick Transfer | Fund transfer instantly without adding beneficiary by scanning receiver’s QR code | |
Scheduled Transaction | View/Manage scheduled transactions | |
Status Enquiry | Enquire Fund Transfer/Payments made through Anywhere or OnlineSBI | |
e-Deposits | Open Fixed Deposit | Create Fixed deposit |
Open Recurring Deposit | Create Recurring deposit | |
Premature Closure | Closure of fixed and recurring deposit before maturity | |
eDeposit Enquiry | Enquire eDeposits opened through Anywhere or OnlineSBI | |
Change Maturity Instructions for Fixed Deposit accounts |
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Top Up & Recharge | Mobile Recharge | Top up/Recharge of Mobile |
DTH Recharge | Top up/Recharge of DTH | |
Top-up of State Bank Wallets | Top up Buddy wallet | |
Top-up of State Bank Prepaid Cards | Top up of SBI Smart, Imprest, e-Z pay, Quick, Achiever cards | |
Bill Payments | View and pay bill | Make bill payments for registered billers |
Pay without bill | Make adhoc bill payments to unregistered billers | |
Postpaid Bill Payment | Pay mobile or landline bills without registration | |
Manage Scheduled Bill | View/Delete scheduled bills | |
Credit Card Visa Transfer | Pay VISA Credit Card issued in India from your SBI account | |
SBI Life Premium | Pay premium online |
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Requests | OTP for IMPS Payments | Generate OTP to make IMPS PULL payments at Merchant site |
Get MMID | Generate/Retrieve MMID (Mobile Money Identifier) for IMPS P2P transactions | |
Cancel MMID | Cancel MMID for IMPS P2P transactions | |
Cheque book Request | Request for a new cheque book | |
Aadhaar | Link LPG consumer ID/Aadhar number to Account number | |
TDS Enquiry | View TDS enquiry for Live/Closed accounts | |
Services | Debit Card Hotlisting | Block your debit card in case lost/stolen |
Manage Debit card | Manage channels (ATM / Merchant POS / eCommerce) to allow debit card transactions and set limit for respective channels | |
State Bank Virtual Card | Generate one time use Virtual Debit card for ecommerce (online) transactions | |
Online Nomination | Register/View/Cancel Nominee for transaction and deposit account | |
mCash | Simple and Quick way to receive and send funds | Remitter can send funds by simply providing Beneficiary’s Mobile no. or email ID and beneficiary can claim money by going to onlinesbi.com |
Settings | Set Account Nickname | Manage Nickname for easy identification of accounts |
Manage Billers | Deposit Account | |
Feedback | Provide your feedback for the application | |
Switch to list view | Select to change the menu style | |
Manage Favourites | Tap to add/remove menu items in the favourite menu | |
Watch De-registration | De register the synced Watch | |
Reset Watch PIN | Select to reset the pin set for watch | |
Pre - login Section | Card Blocking | Block your debit card incase lost/stolen |
Bharat QR | Scan Bharat QR to make payments | |
SB Collect | Make online payments to firms/Corporates/Institutions for various goods and services offered | |
mPassbook | Access mPassbook even when there is no internet connectivity. Please sync transactions by logging on to the application to view in offline mode | |
Online eLocker Enquiry | View availability of locker in SBI Branch | |
SB Buddy | State Bank Mobile wallet application | |
Change Language | Select to change your language | |
Forgot Password | Select to reset login password | |
Apply for Loan | View loan offers and apply | |
Locate Us | To Locate SBI branches, ATM, inTouch branches etc. | |
Contact Us | View SBI Customer Care phone numbers | |
FAQs | Frequently Asked Questions |
SBI Mobile Banking FAQs:
1. Are there any charges to use the SBI YONO App?
No, there are no charges to use the SBI YONO Mobile Banking App. It is available in two languages: Hindi and English. Customers can perform various financial & non-financial banking activities such as fund transfer, bill payments, check account balance, view account statement, mpassbook, block debit card and many more. However, fund transfers and bill payments may attract charges & GST as per Govt. norms.
2. Is there a limit on fund transfers using the SBI YONO App?
Fund transfer limits depend on the type of fund transfer you choose. For example, up to Rs.10,00,000 can be transferred using NEFT and RTGS (for interbank transfers). If you use the 'Quick Transfer Facility' then per transaction limit is Rs. 10,000 and the daily limit is Rs. 25,000. Similarly, UPI transfer daily limit is Rs.1,00,000, and transfer within self-account limit is Rs. 2 crores per day.
3. Can I pay the bill for my credit card from a different bank using the YONO SBI App?
Yes, you can pay credit card bills of any bank using the app. You need to register your credit card account as one of the billers on the app to make bill payments. You can even set standing instructions for auto-debit.
4. Can I apply for a home loan through the SBI YONO App?
Yes, you can apply for home loans using the app.
5. My latest transaction is not showing up on the app. What do I do?
Transactions are updated on the app in live time. However, it could take up to 48hrs for a transaction to reflect under the Transaction History tab.
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