YONO SBI: Banking, UPI & Pay

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.

New Features and Key Enhancements:

• Demand Loan against FD
• Overdraft against FD for joint customers
• Re-KYC post-login
• Manage PPF Nominee
• Conversion of BSBD Account to Savings Account and vice versa
• Rishtey – CSP account holders can link their account with family members and pass on their account benefits
• NPS account management for corporate-sector customers
• RBI Retail redirection journey at pre-login
• Overall application performance and user experience improvements