YONO SBI: Banking, UPI & Pay

State Bank of India

About this app

Experience the next generation of digital banking with YONO SBI. Redesigned with all-new features, YONO offers a faster, more intuitive and highly secure way to manage your finances and lifestyle. YONO SBI brings the power of India’s largest bank directly to your fingertips.

Have a question or need assistance for YONO SBI App? For instant support and quick resolution raise the issue on our dedicated site https://crh.sbi.bank.in or call 1800-1111-01.

Banking Made Simple

Whether you are tech-savvy or beginning your digital journey, YONO SBI makes everyday banking easy:
· Use seamless UPI and Quick-pay options to send money to friends, family, or local shops in seconds.
· Use SBI UPI for payment transfers even without an SBI account.
· Fund your account instantly and start using your money right away.
· 24x7 access to manage funds, monitor spending, and plan your finances.
· Effortless domestic and international transfers with clear tracking and low fees.
· Use lock and unlock controls for your accounts and cards. If you misplace your card, simply lock it in the app.
· Upgraded loyalty rewards and personalised offers from leading brands.
· Monitor your CIBIL score in real-time, simulate financial decisions to see their impact, and get personalised tips to improve your credit health.

Instant Onboarding and Account Management

· Video KYC: Open a digital savings account instantly with zero paperwork.
· Instant Funding: Add money immediately after account activation and start transacting.
· Passbook: View and download statements for up to 150 transactions.

Seamless Payments and Transfers

· BHIM SBI Pay: Make UPI payments, scan-and-pay, and "Pay to Contacts."
· Quick Pay: Transfer up to ₹50,000/- instantly to unregistered beneficiaries.
· YONO Cash: Withdraw cash from SBI ATMs without a physical card using secure QR technology.
· Global remittances: Securely send money across borders at competitive forex rates with real-time tracking.

Investments and Insurance

· Wealth Management: Apply for Mutual Funds (SIP/Lumpsum), Securities, and NPS directly.
· Instant Insurance: Get quotes and buy Life, Health, and General Insurance within minutes.
· Fixed & Recurring Deposits: Open e-Deposits (FD starting at ₹1,000 and RD starting at ₹100)

Instant Loans and Credit Cards

· Pre-Approved Personal Loans (PAPL): Check eligibility and get funds in your account instantly without branch visits.
· Loan Tracking: Monitor your Home, Car, and Education loans 24/7.
· SBI Credit Cards: Apply for new cards, pay bills, and manage limits or hot listing instantly.

Lifestyle and Rewards

· YONO Marketplace: Exclusive deals on travel (Flight, Bus), electronics and fashion from top brands.
· Revamped Loyalty Program: Earn and redeem SBI Rewardz points across a multi-tier benefit system tailored to your usage.

Additional Banking Services

· Card Controls: Set spending limits, manage domestic/international usage, and instantly block or unblock your debit card.
· Service Requests: Raise requests for cheque books, account statements, and profile updates, right from the app.
· One App, Many Services: Access products such as savings accounts, deposits, loans, cards, investments, and more in one place.
· Instant Alerts: Stay updated with real-time notifications for transactions and important account activity.

Why choose YONO SBI?

Whether you are a retail customer, a student, or a farmer, YONO provides a 360-degree ecosystem. It’s not just a banking app, it’s a lifestyle partner that helps you save, spend, and grow your wealth securely.

To ensure high security and digital convenience, we require the following:

· SMS: For secure SIM binding and device verification.
· Camera: For the Video KYC process and scanning QR codes.
· Storage: To safely upload/download necessary documents during account opening or statement retrieval.
· Location: To help you find the nearest SBI Branch, ATM, or YONO Cash point.

Download YONO SBI App today.

Ratings and reviews

Scan doesn't work properly. Add beneficiary seems nightmare since- You have to fill the entire segment of bank details, (I know for security reasons precaution is a must but typing banking password again while logged in already !) Secondly it crashes in between which means repeating the same steps again and again . Hence, leaving user in frustration .

The app's layout makes it unusable. Buttons are off the screen to enter MPIN, the button to enter the OTP on many sections is off the screen not letting a user continue, it asks for OTP for every single thing even though you have already authenticated using an OTP in the same session earlier. It is just a little easier than using their website but lately there have been many bugs and issues with the app.

Used to be good, but day-by-day this App is becoming unusable. Tooooo many unnecessary Pop-ups and warning messages when you login. Half of the time goes in closing those only. And once you enter the Page, and switch to another app and come back (within few seconds), the app is covered by a semi-Transparent loading page, rendering the session lost. The only option left is to force kill the app and restart, and face the Pop-ups AGAIN! 👎🏻

What's new

Key Enhancements and New Features in this Release:
• Simplified password implementation for documents generated in Manage Loans, Interest Certificate, E-shield, PAPL, Insta Home Top-up loan, PPF and GPAI Manage.
• Joint Account Opening for ETB Customers.
• Fund Transfer Functionality for VAN.
• UPI widget functionality.
• E-pay funding module integration.
• Optimized application performance and stability for a seamless customer experience.