The YONO SBI App is State Bank of India’s official all-in-one mobile application for banking, payments, savings, investments, loans and selected lifestyle services.
Existing SBI customers can use YONO to access eligible accounts, transfer funds, make UPI payments, pay bills, review transactions, manage cards and use YONO Cash for cardless withdrawals.
New-to-SBI customers may also use the official YONO application to apply for an eligible savings account through the available digital or Video KYC process.
 |
| YONO SBI provides banking, payments, investments, loans, card services and YONO Cash in one secure application. |
Table of Contents
- YONO SBI App: Quick Information
- What Is the YONO SBI App?
- Who Can Use YONO SBI?
- Official YONO SBI Download Links
- What to Check Before Installing
- YONO Registration Requirements
- YONO Registration for Existing SBI Customers
- Open a New SBI Account through YONO
- YONO SBI Login with MPIN
- How to Register and Use UPI
- Current SBI UPI Limits
- Check Balance and Account Statement
- Fund Transfer and Bill Payments
- Debit-Card and Account Controls
- Link an SBI Credit Card
- Deposits, Investments and Loans
- What Is YONO Cash?
- YONO Cash Transaction Limits
- How to Withdraw Cash without a Card
- MPIN and Password Management
- YONO SBI vs YONO Lite vs YONO Business
- Common YONO SBI Problems and Solutions
- Official Customer Support
- YONO SBI Security Tips
- Frequently Asked Questions
- Official Sources
- Final Summary
YONO SBI App: Quick Information
| Application | YONO SBI: Banking & Lifestyle |
|---|---|
| Official provider | State Bank of India |
| Main users | Eligible existing SBI customers and new-to-SBI applicants |
| Android | YONO SBI on Google Play |
| iPhone | YONO SBI on the Apple App Store |
| Official information | sbi.bank.in/web/yono |
| Login PIN | Six-digit MPIN |
| YONO Cash ATM limit | ₹20,000 per transaction and per CIF per 24 hours |
| UPI general limit | Up to ₹1,00,000 per transaction/day after the applicable cooling period |
What Is the YONO SBI App?
YONO stands for You Only Need One. It combines selected State Bank of India banking, payment, investment, loan, card and lifestyle services in one application.
The current official application highlights services such as:
- Account access and account-management tools
- UPI and quick payments
- Domestic and international fund transfers
- Bill payments and payment reminders
- New savings-account applications
- Fixed deposits and investment services
- Credit-card, mutual-fund and insurance applications
- Eligible loan offers
- Spend analysis and financial insights
- Reward and loyalty benefits
- Account and card lock or unlock controls
- YONO Cash cardless withdrawals
The exact services displayed depend on the customer’s account type, eligibility, registration, app version and current SBI configuration.
YONO is not an employee-HR application. SBI employees looking for HR services should use the authorised HRMS or MyHRMS service instead.
Who Can Use YONO SBI?
YONO may be used by:
- Eligible SBI savings-account customers
- Eligible current-account customers using supported retail access
- Existing SBI Internet Banking users
- Customers with eligible account and debit-card details
- New-to-SBI applicants opening an eligible savings account
- Customers applying for selected SBI products through YONO
A customer generally needs a mobile number registered with SBI for account verification and OTP delivery.
Corporate Internet Banking users should use the separate YONO Business application or portal rather than registering a corporate profile in the retail YONO SBI app.
Official YONO SBI App Download Links
YONO SBI for Android
Download YONO SBI from Google Play
YONO SBI for iPhone
Download YONO SBI from the Apple App Store
Before installing, confirm that the provider or developer is displayed as State Bank of India.
What to Check Before Installing YONO SBI
- Open Google Play or the Apple App Store directly
- Search for “YONO SBI: Banking & Lifestyle”
- Verify that the provider is State Bank of India
- Use a supported and updated mobile operating system
- Keep the SBI-registered SIM active in the phone
- Allow outgoing SMS when device verification is required
- Keep sufficient storage available
- Remove any fake or unofficial YONO application
- Do not use a rooted or modified phone for banking
Application size and operating-system requirements may change. Follow the current information displayed on the official app-store listing.
YONO SBI Registration Requirements
Existing customers may need:
- An active SBI account eligible for YONO access
- The mobile number registered with SBI
- The registered SIM installed in the device
- Internet Banking username and password, where used
- Eligible account and ATM or debit-card details, where the app offers that method
- Access to OTPs sent by SBI
- A supported smartphone and internet connection
The registration choices displayed can change between app versions and customer profiles. Follow only the verification options shown in the current official application.
Never enter:
- An ATM PIN into an unknown web page
- A UPI PIN during app registration unless the authorised UPI screen specifically requires it for a transaction
- An OTP shared with or requested by a caller
- A debit-card CVV on an unofficial page
YONO Registration for Existing SBI Customers
 |
| Download the official YONO SBI app and register using an authorised Internet Banking or account and debit-card verification method. |
The current registration interface can vary. Existing SBI customers may be offered registration through authorised Internet Banking credentials or eligible account and debit-card verification.
Registration Using Internet Banking Credentials
- Download and open the official YONO SBI app.
- Select the option indicating that you are an existing SBI customer.
- Allow the app to verify the registered mobile number where requested.
- Select the Internet Banking registration or login option when displayed.
- Enter the authorised Online SBI username and password.
- Complete OTP or device verification.
- Review the mobile number and customer relationship shown.
- Create a six-digit MPIN for future YONO login.
- Complete any additional consent or security steps displayed.
- Login and review the accounts mapped to the profile.
Registration Using Account and Debit-Card Details
Where the current application offers an account-and-card registration method:
- Open the official YONO SBI application.
- Select Existing SBI Customer.
- Complete registered-mobile-number verification.
- Select the account or ATM/debit-card registration option displayed.
- Enter only the account and card information requested by the official application.
- Complete OTP verification.
- Create the required login credentials or MPIN.
- Review the successful-registration message.
How to Open a New SBI Account through YONO
Eligible new-to-SBI customers can apply for an Insta Plus Savings Account through Video KYC.
The official SBI eligibility information generally requires the applicant to be:
- A resident Indian
- Above 18 years of age
- New to SBI without an existing SBI CIF
- Opening the account in single mode
- In possession of Aadhaar and original PAN details
- In possession of the mobile number registered with Aadhaar
- Physically present in India during the process
Video KYC Account-Opening Steps
- Download the official YONO SBI app.
- Select New to SBI.
- Select Open Savings Account.
- Select the option to open the account without visiting a branch.
- Choose Savings Account through Video KYC or Insta Plus where displayed.
- Enter PAN and Aadhaar details.
- Complete the Aadhaar OTP verification.
- Enter the requested personal and account information.
- Select a home branch where required.
- Schedule a Video KYC call.
- Open YONO at the scheduled time and use the Resume option.
- Complete the live Video KYC with the authorised bank official.
- Wait for SBI verification and account activation.
The account may be opened after Video KYC, but debit transactions become available after the required verification by SBI officials.
Use the official information page: SBI Insta Plus Savings Account through Video KYC .
How to Login to YONO SBI with MPIN
YONO allows registered customers to create a six-digit MPIN for convenient app access.
- Open the official YONO SBI application.
- Select the MPIN login option.
- Enter the six-digit MPIN.
- Complete biometric or another verification when enabled and requested.
- Access the YONO dashboard.
The YONO MPIN is different from:
- ATM PIN
- UPI PIN
- Internet Banking profile password
- Internet Banking login password
- Debit-card CVV
Never use the same simple PIN for multiple banking services.
How to Register and Use UPI in YONO SBI
YONO SBI supports UPI payments for eligible customers and accounts.
The general setup process is:
- Login to YONO SBI.
- Open YONO Pay, UPI or the corresponding payment section.
- Select the option to register or manage UPI.
- Verify the registered mobile number through the SIM installed in the device.
- Select the eligible SBI account.
- Create or select a UPI ID where the app provides the option.
- Set the UPI PIN through the authorised verification process.
- Complete OTP and debit-card verification when requested.
- Review the successful UPI-registration message.
After registration, available UPI options may include:
- Scan and Pay
- Pay to UPI ID
- Pay to Contact
- Pay to Bank Account
- Request Money
- Merchant payments
- UPI AutoPay or mandate services
- Transaction-history review
Menu names can change with application updates.
Current SBI UPI Limits and Cooling Period
SBI currently publishes the following general limits for UPI through YONO SBI, BHIM SBI Pay and related supported channels.
| Situation | Current published limit |
|---|---|
| First transaction after setting or resetting UPI PIN – Android | Maximum and cumulative ₹5,000 during the first 24 hours |
| After setting or resetting UPI PIN – iPhone | Up to ₹5,000 per day for the first five days |
| After the applicable cooling period | Up to ₹1,00,000 per transaction and per day |
| Person-to-person transactions | Maximum 20 transactions per account in 24 hours within the daily amount limit |
| Person-to-merchant transactions | No published transaction-count limit within the applicable daily amount limit |
How to Check Balance and Account Statement
General steps:
- Login to YONO SBI.
- Open Accounts, My Accounts or the corresponding dashboard option.
- Select the required account.
- Review the available balance.
- Open Transactions, Statement or Account Activity.
- Select the date range where available.
- View or download the statement where the option is provided.
Do not publicly share screenshots containing the account number, balance, transaction references or customer details.
Fund Transfer and Bill Payments
 |
| Use YONO SBI for UPI payments, balance checks, fund transfers, bill payments and eligible card-management services. |
YONO supports eligible domestic and international transfer services, UPI, quick payments and bill-payment facilities.
General Fund-Transfer Process
- Login to YONO SBI.
- Open YONO Pay, Payments or Fund Transfer.
- Select the transfer method.
- Select an existing beneficiary or add one through the authorised process.
- Enter the amount.
- Enter remarks where required.
- Review the beneficiary name, account and amount.
- Complete OTP, MPIN or transaction verification.
- Save the transaction reference.
Transfer limits can vary by channel, beneficiary status, cooling period, account type and transaction method.
Bill Payments
Depending on availability, customers may pay:
- Electricity bills
- Mobile and DTH recharges
- Credit-card bills
- Insurance premiums
- FASTag and other supported services
- Registered BBPS billers
Check the biller name, customer number and amount before confirming payment.
Debit-Card and Account Controls in YONO
The current YONO application highlights account and card lock or unlock controls.
Available card services may include:
- View eligible debit cards
- Block a lost or compromised card
- Enable or disable ATM transactions
- Enable or disable merchant transactions
- Enable or disable online transactions
- Manage domestic or international usage
- Manage contactless usage
- Change available transaction limits
- Request an eligible card service
The exact path may appear under Cards, Service Requests or ATM/Debit Card.
When a card is lost or an unauthorised transaction is suspected, do not rely only on an app setting. Report the issue immediately through SBI’s official blocking and unauthorised-transaction channels.
How to Link an SBI Credit Card in YONO
Eligible SBI Card customers can link their credit-card relationship in YONO.
- Login to YONO SBI.
- Open the Cards section.
- Select My Credit Cards.
- Select Link Now where displayed.
- Enter the SBI Card online username and password or the card number, according to the current screen.
- Complete the OTP sent to the mobile number registered with SBI Card.
- Review the successfully linked card.
SBI Card is a separate service. Use SBI Card credentials only inside the clearly identified SBI Card linking process.
Deposits, Investments and Loans through YONO
YONO provides access to selected products such as:
- Fixed and recurring deposits
- Mutual funds
- Insurance products
- National Pension System services
- PPF-related services
- Demat and trading services
- Credit-card applications
- Eligible personal, home, vehicle, gold or other loan journeys
A loan banner or pre-approved offer is not displayed to every customer. Availability, amount, interest rate and tenure depend on eligibility and SBI’s current terms.
Do not publish or rely on a fixed YONO loan amount because offers can differ by customer and change over time.
Before accepting any product:
- Check the current interest rate
- Review processing fees and other charges
- Check repayment tenure
- Read the key facts and terms
- Confirm whether the product is issued by SBI or another SBI-branded entity
What Is YONO Cash?
YONO Cash allows an eligible customer to withdraw cash without using a physical debit card.
The customer generates a transaction reference number and creates a YONO Cash PIN in the official YONO platform. The reference number, withdrawal amount and YONO Cash PIN are then used at the supported SBI ATM, Point of Sale terminal or Customer Service Point.
YONO Cash is different from:
- ATM PIN
- YONO MPIN
- UPI PIN
- Internet Banking password
Current YONO Cash Transaction Limits
| Transaction type | Per-transaction limit | Transactions per CIF per 24 hours |
|---|---|---|
| YONO Cash at ATM | ₹20,000 | 2 |
| YONO Cash at POS | ₹2,000 | 2 |
| YONO Cash at CSP | ₹10,000 | 2 |
| YONO Shopping | ₹10,000 | 2 |
The current cumulative limit is ₹20,000 per CIF per 24 hours across the applicable YONO Cash variants. Limits may change, so review the amount displayed in YONO before confirming.
How to Withdraw Cash without a Card using YONO Cash
 |
| Generate a YONO Cash reference number and PIN in the app, then complete the cardless withdrawal at a supported SBI ATM. |
Generate a YONO Cash Request in the App
- Login to YONO using the six-digit MPIN.
- Open YONO Pay.
- Select YONO Cash.
- Select ATM.
- Select the debit account.
- Enter the withdrawal amount.
- Create a YONO Cash PIN for the transaction.
- Review the details.
- Accept the displayed terms and confirm.
- Note the YONO Cash reference number sent to the registered mobile number and email.
The current official SBI instructions state that the reference number is valid for four hours.
Complete the Withdrawal at an SBI ATM
- Visit an SBI ATM supporting YONO Cash.
- Select YONO CASH.
- Select YONO Cash Withdrawal where displayed.
- Enter the transaction reference number.
- Enter the exact amount used while generating the request.
- Enter the YONO Cash PIN created in the application.
- Wait for validation.
- Collect the cash and transaction receipt where available.
Do not share the reference number or YONO Cash PIN. Anyone possessing both details may attempt to complete the withdrawal before the request expires.
YONO MPIN and Password Management
YONO may provide options to:
- Set, change or remove the six-digit MPIN
- Reset the Internet Banking profile password
- Reset the Internet Banking login password
- Recover or re-register app access
Forgot YONO MPIN
When the MPIN is forgotten:
- Open the official YONO SBI app.
- Select the forgot-MPIN or registration/login-help option displayed.
- Complete the authorised customer verification.
- Use Internet Banking or account-verification details when requested.
- Complete OTP or device verification.
- Create a new six-digit MPIN.
The exact recovery route can change. Do not repeatedly enter random MPINs.
Internet Banking Password Problem
Use only the official SBI Internet Banking password-recovery process:
Do not reset a banking password through a link received from an unknown caller, SMS or email.
YONO SBI vs YONO Lite vs YONO Business
 |
| Choose the appropriate YONO application for retail banking, mobile banking or corporate banking services. |
| Application | Main users | Main purpose |
|---|---|---|
| YONO SBI | Eligible retail customers and new account applicants | Banking, UPI, payments, products, investments, loans and YONO Cash |
| YONO Lite SBI | Retail mobile-banking users | Core mobile-banking transactions and service requests |
| YONO Business | Corporate Internet Banking customers | Corporate accounts, payments, authorisations and business banking |
YONO Business is available through:
https://yonobusiness.sbi.bank.in/
Do not use retail YONO credentials on a YONO Business screen unless the official business-banking process specifically requests the authorised corporate credentials.
Common YONO SBI Problems and Solutions
| Problem | What to check |
|---|---|
| Mobile-number verification fails | Confirm that the SBI-registered SIM is installed, active and selected for outgoing SMS. |
| SMS verification does not complete | Check SMS balance, mobile network, permissions and the default SIM setting. |
| Internet Banking credentials rejected | Confirm the username and password on the official Online SBI portal before retrying. |
| OTP not received | Check mobile coverage, registered number and whether SMS services are blocked. |
| App closes or freezes | Update YONO, restart the device, free storage and install operating-system updates. |
| Account not visible | The account may not be mapped to the customer profile or eligible for the displayed service. |
| UPI registration fails | Confirm SIM verification, eligible account, debit-card information and current cooling restrictions. |
| UPI transaction declined | Check balance, daily limit, cooling period, UPI PIN and beneficiary information. |
| YONO Cash reference expired | Generate a new request. The current reference number is valid for four hours. |
| ATM rejects YONO Cash request | Enter the exact reference number, amount and YONO Cash PIN before expiry. |
| Registration method not available | Use another authorised option displayed by YONO or contact an SBI branch. |
Clear YONO Cache on Android
- Open phone Settings.
- Select Apps or Application Management.
- Select YONO SBI.
- Open Storage.
- Select Clear Cache.
- Restart the application.
Use Clear Data only when necessary because it can remove local registration information and require fresh device verification.
Official SBI Customer Support
Current SBI contact numbers include:
- 1800 1234
- 1800 2100
- 1800 11 2211
- 1800 425 3800
- 080-26599990
Official contact page:
SBI Customer Care – Contact Us
Report an Unauthorised Electronic Transaction
- 1800 11 1109
- 94491 12211
- 080-26599990
Report an unauthorised transaction immediately. Do not wait for another transaction or for a caller to contact you.
For the verified SBI portals list, read: SBI Official Websites List .
YONO SBI Security Tips
- Download YONO only from Google Play or the Apple App Store.
- Verify that the provider is State Bank of India.
- Never install an unofficial YONO APK.
- Never share an OTP, MPIN, UPI PIN, ATM PIN or CVV.
- Do not allow screen-sharing or remote-access apps during banking.
- Do not follow urgent KYC or account-blocking links received by SMS.
- Use a strong phone screen lock.
- Keep the operating system and YONO app updated.
- Review the beneficiary and amount before every transfer.
- Do not save banking credentials on a shared device.
- Logout after banking on a temporary device.
- Immediately report a lost phone or unauthorised transaction.
Frequently Asked Questions
Is YONO SBI an official application?
Yes. The official Android and Apple listings identify State Bank of India as the provider.
Where can I download YONO SBI?
Download it only from Google Play or the Apple App Store.
Can an existing SBI customer register using Internet Banking?
Existing customers may use authorised Online SBI credentials when that registration option is displayed by the current YONO application.
Can I register without Internet Banking?
The app may provide eligible account and debit-card verification. Availability depends on the customer profile and current registration screen.
What should I do when I have neither Internet Banking nor an eligible debit card?
Contact an SBI branch for assistance instead of using an unofficial registration service.
What is the YONO MPIN?
It is a six-digit code used for convenient login to the registered YONO application.
Is the YONO MPIN the same as the ATM PIN?
No. MPIN, ATM PIN and UPI PIN are separate security credentials.
Can I make UPI payments through YONO?
Yes. YONO supports eligible UPI registration, scan-and-pay and other payment services.
What is the current general SBI UPI limit?
After the applicable cooling period, SBI currently publishes a limit of up to ₹1,00,000 per transaction and per day. Account and transaction-category restrictions may differ.
Why is my first UPI transaction limited to ₹5,000?
SBI applies a cooling period after setting or resetting a UPI PIN. The exact period differs between Android and iPhone users.
What is YONO Cash?
YONO Cash is SBI’s cardless withdrawal service using a transaction reference number and a separately created YONO Cash PIN.
What is the YONO Cash ATM limit?
The current published ATM limit is ₹20,000 per transaction and per CIF per 24 hours.
How long is a YONO Cash reference number valid?
The current SBI instructions state that it is valid for four hours.
Can I use my ATM PIN for YONO Cash?
No. Create the separate YONO Cash PIN requested for that withdrawal.
Can I open an SBI savings account through YONO?
Eligible new-to-SBI resident Indian applicants may apply for an Insta Plus Savings Account through Video KYC.
Is a Video KYC account activated immediately?
The account is activated for debit transactions after the required verification by SBI officials.
Can I link my SBI Credit Card to YONO?
Yes. Open the Cards section and follow the official Link Now process using SBI Card verification.
Can YONO lock or unlock a debit card?
The current application includes account and card security controls. Available controls depend on the mapped card and profile.
Is YONO Lite the same as YONO SBI?
No. YONO Lite is a separate retail mobile-banking application focused mainly on banking transactions and service requests.
Is YONO Business for normal savings-account customers?
YONO Business is primarily intended for eligible corporate Internet Banking customers.
What should I do when YONO is not opening?
Update the app, restart the phone, clear the Android cache, check internet access and use an official SBI support channel if the problem continues.
Can SBI customer care ask for my OTP or UPI PIN?
Never disclose an OTP, MPIN, UPI PIN, ATM PIN, password or CVV to a caller.
Official Sources Checked
- Official SBI YONO Information
- YONO SBI on Google Play
- YONO SBI on the Apple App Store
- SBI YONO Cash Limits
- YONO Cash ATM Withdrawal
- SBI UPI Limits and Cooling Period
- SBI Savings Account through Video KYC
- SBI Customer Care
Final Summary
YONO SBI is State Bank of India’s official application for eligible retail banking, UPI payments, fund transfers, bill payments, deposits, investments, card services, loans and YONO Cash.
Download it only from Google Play or the Apple App Store and verify that the provider is State Bank of India.
Existing customers should register through an authorised method displayed by the application. New-to-SBI applicants may use the eligible Video KYC savings-account process.
YONO Cash allows cardless withdrawal using a reference number and separate YONO Cash PIN. The current ATM limit is ₹20,000 per transaction/per CIF per 24 hours, and the reference number is valid for four hours.
Never share an OTP, YONO MPIN, UPI PIN, ATM PIN, Internet Banking password or debit-card CVV.