# YONO SBI: Banking, UPI & Pay — Bank, Invest, Credit Card, FD

> All-in-one digital banking, investment, shopping, and travel app. (iPhone/iPad app by State Bank of India.)

- Source: https://appshunter.io/ios/app/yono-sbi-banking-upi-and-pay/id1231393474 (this page in markdown: same URL + `.md`)
- Developer: [State Bank of India](https://appshunter.io/developer/503784436)
- Category: Finance
- Price: Free
- Rating: 3.30/5 from 2,922 App Store ratings · 845 written reviews indexed
- Age rating: 4+
- Requires: iOS 17.0 · 229 MB
- Languages: American English, Hindi
- Released: 2017-10-21
- Data updated: 2026-09-03
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/yono-sbi-banking-upi-and-pay/id1231393474/reviews.md

## What is YONO SBI?

YONO SBI is the official mobile banking app from State Bank of India (SBI) for secure money transfers, UPI payments, online banking, bill payment, savings accounts, credit cards, loans, and investments. YONO SBI is the only companion you need to navigate the modern financial landscape.

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.

What’s New in YONO?

· A minimalist, high-speed UI/UX for effortless navigation and one-tap access to your most-used features.
· Complete e-KYC or update the personal details feature for instant support without visiting a branch.
· Monitor your financial health and use our new simulator to see how your actions impact your credit score.
· Receive offers, investment tips, and spend analysis tailored specifically to your lifestyle and financial goals.

Instant Banking and Onboarding

· Open a Savings Account Instantly: Use Video KYC for paperless account opening with immediate activation.
· Instant Account Funding: Fund your new account the moment it’s active and start transacting right away.
· YONO Cash: Experience cardless ATM withdrawals at over 20,000+ SBI ATMs across India.

Seamless Payments and Transfer

· Enhanced UPI Experience: Lightning-fast UPI payments. Scan any QR, pay via phone number, or manage your UPI Lite for small-value transactions without a PIN.
· UPI for Everyone: Make fast, secure money transfers with SBI UPI. No SBI account required.
· Smart Bill Payments: Effortlessly pay electricity, water, gas, and broadband bills. Set up Autopay & reminders to avoid late fees.
· Global remittances: Securely send money across borders at competitive forex rates with real-time tracking.

Investments and Loans

· Mutual Fund Hub: Manage your portfolio, start a new SIP, or explore top-rated funds directly from the app.
· Instant Loans: Apply for pre-approved Personal Loans, Car Loans, or the new Insta Home Top-Up Loan with zero paperwork.
· Smart Deposits: Open Fixed Deposits (FD) or Recurring Deposits (RD) with a single tap and view your accrued interest in real-time.
· NPS & PPF Management: Secure your retirement by managing your National Pension System (NPS) and Public Provident Fund (PPF) accounts seamlessly.

Shopping, Travel, and Lifestyle

· YONO Marketplace: Exclusive deals from India’s top brands in electronics, fashion, & home decor.
· Travel Companion: Book flights, hotels, with integrated rewards.
· Loyalty Points: Earn & redeem SBI Rewardz points across a massive catalogue of products and gift vouchers.

Security and Control

· Digital Lock/Unlock: Instantly lock or unlock your debit card, manage international usage, and set transaction limits for safety.
· Advanced Biometrics: Log in securely using FaceID or TouchID.
· 24/7 Support: Access YONO customer care directly from the app or raise complaints and track them in real-time.

More Ways to Bank

• Passbook & Statements: Access your account passbook & download transaction statements whenever you need them.
• Quick Pay: Transfer funds up to prescribed limits to beneficiaries without adding them first, making urgent payments faster and simpler.
• Service on the Go: Request cheque books, update personal details, track service requests, and access important banking services directly from the app.
• Personalised Insights: Gain a clearer understanding of your spending habits with smart analytics and recommendations designed to help you manage money better.

YONO SBI isn't just an app - it's financial freedom. From first accounts to mutual funds and deposits, one personalised journey for every Indian.

Key Technical Details

· Optimised for iOS 17.0 and above
· Available in English, Hindi & 11 more languages.
· Your financial data is protected by industry-leading end-to-end encryption.

Download the all-new YONO SBI today and discover why "You Only Need One."

## Key features

- All-in-one digital banking
- Instant account opening
- Seamless UPI and quick-pay
- Effortless bill payments
- Apply for credit cards, mutual funds, insurance
- 24x7 fund management

## What do users think of YONO SBI?

Overall sentiment: negative

**Pros**

- 🚀 Great app
- 🔒 Safe and secure
- 👍 Easy to operate
- 👍 Excellent service
- 👍 User friendly
- 👍 Excellent performance
- 👍 Well-maintained app

**Cons**

- 🐛 Bill payment not working
- 🐛 Bugs and crashes
- 🐛 Slow and unreliable
- 👎 Poor app design
- 👎 Terrible UX
- 👎 Unstable and full of errors
- 👎 Useless app
- 👎 Pathetic app
- 👎 Worst app ever
- 👎 Not user friendly
- 👎 Doesn't work for NRI customers
- 👎 Incompatible with newer devices
- 👎 Frequent app updates required
- 👎 Cluttered with unnecessary features

**Commonly reported bugs**

- App crashes after updates
- Registration process not working
- Unable to login or register
- App not compatible with eSIM or international numbers
- Blank or unresponsive screens
- Inconsistent behavior across devices

**Most requested features**

- Allow login via internet banking credentials
- Provide option to change password
- Improve UX and UI design
- Add support for biometric authentication
- Optimize app for better performance
- Make the app more user-friendly for NRI customers

## Recent user reviews (10 of 845)

All indexed reviews: https://appshunter.io/ios/app/yono-sbi-banking-upi-and-pay/id1231393474/reviews.md

### 1/5 — Extremely Frustrating YONO App Access Issue – Forced to Visit Branch Despite Successful SMS Verifica

*2026-08-26*

I have been trying to access the SBI YONO app for a long time, but I am continuously facing problems during the verification process.

The app sends the verification SMS, and the SMS is actually being sent and delivered successfully. However, the YONO app intermittently shows that the message was not sent and asks me to try again. After multiple attempts and considerable effort, it eventually shows that my access has been locked and instructs me to visit the branch.

This is extremely frustrating and unacceptable for a digital banking application.

If I have to physically visit the bank branch every time there is an issue with YONO verification or access being locked, then what is the purpose of providing a mobile banking application in the first place? The entire purpose of YONO is to provide convenient banking services without requiring customers to repeatedly visit a branch.

I request SBI to urgently investigate this issue, unlock/restore my YONO access remotely, and fix the underlying verification/SMS issue so that this does not happen again.

I have already spent significant time trying to resolve this through the app. Please do not simply ask me to visit the branch again. I expect SBI to provide a proper digital resolution for a problem occurring within its own digital banking service.

Please treat this as a serious complaint and provide a clear resolution at the earliest.

**Developer response:** Dear Customer We apologize for any inconvenience you’ve experienced. To help us assist you more effectively please email us at appfeedback.yono@sbi.co.in with a description of your concern. Be sure to include the ticket number SBIAPS280826002 in the subject line. Team YONO SBI

### 1/5 — Really bad app

*2026-08-25, version 2.29.17*

This new app upgrade has ruined everything. Multiple steps everywhere, slower, and wants location info. Information on important account details is missing! The layout is cluttered with ads for finservices.

### 1/5 — Irritating updates

*2026-08-18*

Ask to update every single time the app is opened !!

**Developer response:** We regret the inconvenience you're facing with the app after the update. To help us look into this please email us at appfeedback.yono@sbi.co.in with your registered contact number, error description and ticket no. SBIAPS200826005 in the subject line. Thankyou!

### 1/5 — Hopeless update

*2026-08-17, version 2.27.03*

This update completely prevented me from the YONO App more than one day it is still going in circles

### 1/5 — Worst update (access issue)

*2026-08-05, version 1.24.33*

I am using IPhone X and max update for this phone is 16.7.16, earlier this app was working fine in this phone and now app got an update compatibility with only 17 or later? Users who’ve older version has to change their phones to use this app? 👎don’t like this update. SBI need to fix this asap.

### 1/5 — Unusable

*2026-08-05, version 2.29.17*

It checks to see if there are any other apps it thinks are vulnerable. I have an app I use for system administration that it thought was “vulnerable”, and refused to start unless I uninstalled it. No other banking app does such ridiculous checks.  I would rate it 0 if I could.

### 1/5 — Poor app

*2026-08-03, version 2.27.04*

Very lousy. Fed up with this. No help of any sort. Feel like quitting the bank.. Of course they are not bothered. That’s SBI.

### 1/5 — International SMS Requirement Makes NRI Signup Difficult

*2026-07-25, version 2.29.16*

The app registers by sending an SMS from your phone to an Indian number. If you don’t have an international SMS plan, you won’t be able to use it. I’m not sure why they’re marketing it to NRIs when it requires sending an international SMS.

### 1/5 — Nobody cares to respond to the emails sent to YONO email support

*2026-07-22, version 2.29.16*

Can’t register as there’s only one way to register is to send SMS from phone

### 1/5 — Can’t pay loan through the new app

*2026-07-22, version 2.29.16*

I have been trying to pay my education loan through the app but I can see the loan account in the payee section but it doesn’t do anything

## Frequently asked questions about YONO SBI

### What does the YONO SBI app do?

The YONO SBI app is a comprehensive digital banking and lifestyle platform. It allows users to perform banking transactions, make payments, manage investments, apply for loans and credit cards, and access shopping and travel services.

### What are the key features of the YONO SBI app?

Key features include an all-in-one digital banking experience for payments, savings, investments, and loans. It also offers simple account opening, effortless bill payments with budget tracking, and the ability to apply for credit cards, mutual funds, and insurance directly within the app.

### Is the YONO SBI app free to use?

Yes, the YONO SBI app is available for free. There are no upfront costs to download or use the core banking and lifestyle features provided by the application.

### Who is the YONO SBI app designed for?

This app is designed for existing and new SBI customers who want a convenient and integrated way to manage their finances, make payments, invest, shop, and plan their travel all from a single platform.

### How does the app help with managing finances?

The app provides 24x7 access to manage funds, monitor spending, and plan finances effectively. It includes features like effortless bill payments, auto reminders, and budget tracking to help users stay on top of their financial goals.

## Version history (last 5 releases)

### 2.29.19 — 2026-09-03

New Features and Key Enhancements:
• Credit line on UPI
• CASA linkage for TDS
• Up to 4 nominees addition in SB account
• SSA and Minor PPF account view
• Re-KYC feature in Pre-login
• Hyper-personalization based on colour theme and favourite
• Consent Management
• Tutorial videos for customer awareness

### 2.29.17 — 2026-07-30

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.

### 2.29.16 — 2026-07-15

Key Enhancements and New Features in this Release: 
• Deeplink on IPO banner to apply IPO. 
• Optimized application performance and stability for a seamless customer experience.

### 2.29.15 — 2026-07-01

Key Enhancements and New Features in this Release:

· FASTag Redirection, Prepaid Card, Savings to Salary Account Conversion, 3-in-1 Account Opening feature (SB a/c, Demat and Trading a/c) and Integrated DigiLocker for the Manage Mutual Fund journey.

· Optimized application performance and stability for a seamless customer experience.

### 2.29.14 — 2026-06-26

Key Enhancements and New Features in this Release:

· PPF without saving account, Notification Management, Apply IPO, SB Collect, Manage PPF, Current account for NTB customer, Digi Locker.
· Financial Fitness and Spend Analysis under Personal Finance Manager.
· NRE/NRO Account Opening.
· Optimized application performance and stability.

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## More apps by State Bank of India

- [Yono Lite SBI](https://appshunter.io/ios/app/yono-lite-sbi/id872982272)
- [SBI Quick](https://appshunter.io/ios/app/sbi-quick/id1015862980)
- [SBI Secure OTP](https://appshunter.io/ios/app/sbi-secure-otp/id1055960651)
- [Yono Business SBI](https://appshunter.io/ios/app/yono-business-sbi/id1056093690)
- [SBI Wealth](https://appshunter.io/ios/app/sbi-wealth/id1072340833)
- [MyHRMS](https://appshunter.io/ios/app/myhrms/id1142185705)

All apps by State Bank of India: https://appshunter.io/developer/503784436

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-03.*