SBI YONO App – Complete Step-by-Step Guide for State Bank of India

An Authoritative, Detailed & Beginner-to-Advanced User Manual

The way Indians interact with banking has changed forever. From visiting branches and filling forms to opening accounts, transferring money, investing, shopping, and applying for loans—everything now happens on a smartphone. At the center of this transformation stands the SBI YONO App, the flagship digital banking and lifestyle platform of .

YONO, which stands for “You Only Need One”, is not just a mobile banking app—it is a complete digital ecosystem that combines banking, investments, loans, insurance, bill payments, UPI, cards, fixed deposits, shopping, and exclusive lifestyle offers in one secure platform.

This ultimate 5,000+ word guide is designed to help new users, existing SBI customers, senior citizens, students, professionals, and business owners understand and use the SBI YONO App seamlessly—step by step, feature by feature.

What Is SBI YONO?

SBI YONO is an integrated digital banking and lifestyle application launched by State Bank of India to provide customers with 24×7 access to banking and financial services.

With YONO, SBI customers can:

Open accounts digitally
Transfer money instantly
Use UPI and scan QR codes
Apply for loans and credit cards
Invest in mutual funds, FDs, and insurance
Pay bills and recharge
Shop online with exclusive SBI offers

In simple words, YONO replaces multiple banking apps, wallets, and finance platforms with one powerful app.

Who Can Use the SBI YONO App?

SBI YONO is suitable for:

SBI savings account holders
SBI current account holders
Students and salaried professionals
Senior citizens
Home loan, personal loan, and education loan customers
Debit card and credit card users
First-time digital banking users

Even non-SBI customers can explore limited features and open SBI accounts online through YONO.

Key Features of SBI YONO App (Overview)

Banking Features

Account summary & balance check
Mini statement & detailed account statement
Fund transfer (SBI & other banks)
Beneficiary management

Payments & UPI

SBI YONO UPI
Scan & Pay
Send/receive money
Bill payments & recharges

Deposits & Investments

Fixed Deposit (FD)
Recurring Deposit (RD)
Mutual Funds
Demat & trading (YONO Invest)

Loans & Credit

Personal Loan
Home Loan
Education Loan
Car Loan
Pre-approved loans

Cards & Services

Debit card management
Credit card services
ATM/branch locator
Cheque book request
Stop cheque

Lifestyle & Shopping

YONO Store
Online shopping with SBI offers
Travel bookings
Insurance policies

SBI YONO App Download – Step by Step

For Android Users

Open Google Play Store
Search “SBI YONO”
Verify the developer as State Bank of India
Tap Install

For iPhone Users

Open Apple App Store
Search “SBI YONO”
Tap Get and install

⚠️ Security Tip: Never download YONO from third-party websites or links.

Prerequisites Before Registration

Before registering on SBI YONO, ensure:

Active SBI bank account
Registered mobile number linked with SBI account
SBI debit card
Good internet connection
Android or iOS smartphone

SBI YONO Registration Process (Step-by-Step)

Step 1: Open the App

Launch SBI YONO
Tap Register

Step 2: Enter Mobile Number

Enter your registered mobile number
Accept terms and conditions
Tap Next

Step 3: OTP Verification

Enter the OTP received on your mobile

Step 4: Debit Card Verification

Enter:
- Debit card number
- Expiry date
- CVV
Verify details

Step 5: Create Username & Password

Set a strong YONO username
Create login password

Step 6: Set MPIN

Set 6-digit MPIN
MPIN is required for transactions

Registration complete 🎉

SBI YONO Login Process

Open YONO App
Enter Username
Enter Password
Authenticate using MPIN / Biometric

You are now inside your digital SBI branch.

Understanding SBI YONO Dashboard

The YONO dashboard shows:

Account balance
Quick actions (Send Money, Pay Bills)
Loan offers
Investment shortcuts
Shopping offers

Navigation is designed for one-handed use and clarity.

Account Services on SBI YONO

Check Account Balance

Login → Accounts
View available balance instantly

Download Account Statement

Accounts → Statements
Select date range
Download PDF or view online

Mini Statement

Last 10 transactions displayed instantly

Fund Transfer Using SBI YONO (Complete Guide)

Types of Transfers Supported

SBI to SBI
Other Bank Transfers
NEFT
RTGS
IMPS

Add Beneficiary (Step-by-Step)

Payments → Add Beneficiary
Enter account number & IFSC
Verify via OTP
Beneficiary activated (as per bank rules)

Transfer Money

Payments → Fund Transfer
Select beneficiary
Enter amount
Confirm using MPIN

SBI YONO UPI – Step-by-Step Guide

Activate UPI

YONO → UPI
Create UPI ID
Set UPI PIN

Scan & Pay

Tap Scan QR
Enter amount
Confirm with UPI PIN

Send Money

Send using UPI ID or mobile number

Fixed Deposit & Recurring Deposit on YONO

Open FD

Deposits → Fixed Deposit
Enter amount & tenure
Confirm

Open RD

Deposits → Recurring Deposit
Monthly amount
Auto-debit enabled

No branch visit required.

Loans on SBI YONO – End-to-End Guide

Types of Loans Available

Personal Loan
Home Loan
Education Loan
Car Loan
Gold Loan

Apply for Personal Loan

Loans → Personal Loan
Check eligibility
Upload documents
Instant approval (for eligible users)

Debit Card Services in SBI YONO

Block/unblock debit card
Set transaction limits
Enable/disable international usage
Generate PIN

All from your phone.

Bill Payments & Recharges

Mobile recharge
DTH
Electricity bill
Gas bill
Water bill
Credit card bill

Use AutoPay to avoid late payments.

YONO Store – Shopping with SBI Offers

Buy:

Electronics
Fashion
Travel tickets
Insurance

Get exclusive SBI cashback & discounts.

Security Features of SBI YONO App

End-to-end encryption
Two-factor authentication
MPIN + biometric login
Auto logout
Device binding

Safety Tips

Never share OTP or MPIN
Avoid public Wi-Fi
Keep app updated

Common Problems & Solutions

OTP Not Received

Check network
Restart phone
Contact SBI support

App Not Opening

Update app
Clear cache
Reinstall

Transaction Failed

Amount reversed automatically
Check status under transaction history

SBI YONO vs Traditional Banking

Feature	Branch	YONO App
Time	Limited hours	24×7
Convenience	Low	High
Paperwork	High	Zero
Speed	Slow	Instant

Frequently Asked Questions (FAQs) on SBI YONO App

Below are detailed, informative, and user-friendly FAQs to help customers understand and use the SBI YONO App effectively. These FAQs are written to address real user doubts and are suitable for blogs, help pages, and SEO content.

1. What is SBI YONO?

SBI YONO (You Only Need One) is an all-in-one digital banking and lifestyle application launched by . It allows customers to access banking services, make payments, apply for loans, invest, shop online, and manage finances securely through a single mobile app.

2. Who can use the SBI YONO App?

SBI YONO can be used by:

SBI savings and current account holders
Students, salaried professionals, and senior citizens
Loan and credit card customers of SBI
New users who want to open an SBI account online

Non-SBI customers can also explore limited features and start the digital account opening process.

3. Is SBI YONO free to use?

Yes, downloading and using the SBI YONO app is completely free. However, standard bank charges may apply for certain transactions such as NEFT/RTGS or SMS alerts, as per SBI’s banking rules.

4. How do I register on SBI YONO?

To register on SBI YONO, you need:

An active SBI account
A mobile number registered with your SBI account
An SBI debit card

Registration involves OTP verification, debit card validation, and setting a username, password, and MPIN.

5. Can I use SBI YONO without a debit card?

Most full-feature registrations require an SBI debit card. However, some users may access limited services or initiate account opening without a debit card, depending on SBI’s current policies.

6. What should I do if my registered mobile number is inactive?

If your registered mobile number is inactive or changed, you must update your mobile number at an SBI branch before registering or using SBI YONO services fully.

7. How do I login to the SBI YONO App?

You can log in using:

Username and password
MPIN
Biometric authentication (fingerprint/face unlock, if supported by your device)

8. What is MPIN in SBI YONO?

MPIN is a 6-digit personal identification number used to authorize transactions and log in securely. It should never be shared with anyone, including bank officials.

9. Can I reset my SBI YONO password or MPIN?

Yes. If you forget your password or MPIN:

Use the “Forgot Password” or “Forgot MPIN” option in the app
Verify via OTP and debit card details
Set a new password or MPIN

10. What banking services are available on SBI YONO?

SBI YONO offers:

Balance enquiry and account statements
Fund transfers (SBI & other banks)
Beneficiary management
Cheque book request
Stop cheque instructions
Debit card services

11. Does SBI YONO support UPI?

Yes. SBI YONO has an in-built UPI service that allows users to:

Send and receive money instantly
Scan and pay QR codes
Pay using UPI ID or mobile number

12. How secure is the SBI YONO App?

SBI YONO uses:

End-to-end encryption
Two-factor authentication
Device binding
MPIN and biometric security

The app is considered one of the most secure banking apps in India when used responsibly.

13. What should I do if my SBI YONO app is not working?

Try the following:

Check internet connection
Update the app
Clear cache (Android)
Restart your phone
Reinstall the app

If the issue persists, contact SBI customer care or visit your nearest branch.

14. Can I open a Fixed Deposit (FD) using SBI YONO?

Yes. You can open:

Fixed Deposits (FD)
Recurring Deposits (RD)

directly through SBI YONO without visiting a branch.

15. Can I apply for loans through SBI YONO?

Yes. SBI YONO allows eligible users to apply for:

Personal loans
Home loans
Education loans
Car loans
Gold loans

Some loans are pre-approved and offer instant disbursal.

16. How can I check my loan details in SBI YONO?

Outstanding balance
EMI details
Repayment schedule

17. Can I manage my debit card through SBI YONO?

Yes. You can:

Block/unblock debit card
Set transaction limits
Enable/disable international usage
Generate or reset ATM PIN

18. What is YONO Store?

YONO Store is the shopping and lifestyle section within the app where users can:

Shop online
Book travel
Buy insurance
Avail exclusive SBI discounts and cashback offers

19. Is SBI YONO safe for senior citizens?

Yes. SBI YONO is designed with:

Simple navigation
Clear instructions
High security

Senior citizens are advised to keep MPIN confidential and avoid assistance from unknown persons.

20. What should I do if a transaction fails on SBI YONO?

If a transaction fails:

Check transaction history in the app
Amount is usually reversed automatically within 2–3 working days
If not reversed, raise a complaint via YONO or SBI customer care

21. Can I use SBI YONO on multiple devices?

SBI YONO is device-bound for security reasons. Logging in on a new device may require re-verification and authentication.

22. Is SBI YONO available 24×7?

Yes. SBI YONO services are available 24×7, except during scheduled maintenance or temporary technical downtime.

23. How can I contact SBI support for YONO issues?

You can:

Raise a complaint through the YONO app
Contact SBI customer care
Visit your nearest SBI branch

Always use official SBI channels only.

24. Is SBI YONO better than visiting an SBI branch?

For most daily banking needs—yes. SBI YONO saves time, reduces paperwork, and allows instant access to services that otherwise require branch visits.

25. Is it mandatory to use SBI YONO?

No, it is not mandatory. However, SBI YONO provides convenience, speed, and control, making banking significantly easier for SBI customers.

Final Verdict: Is SBI YONO Worth Using?

Absolutely YES.

The SBI YONO App is one of the most powerful, secure, and feature-rich banking apps in India. Whether you want simple balance checks or advanced financial planning, YONO truly lives up to its name—You Only Need One.

SBI YONO Mobile Banking

For SBI customers, not using YONO means missing out on speed, control, and convenience.

Need any help? Contact SBI Internet Banking for more detailed information.