Extremely Frustrating YONO App Access Issue – Forced to Visit Branch Despite Successful SMS Verifica
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.
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.
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Response from developer
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
Really bad app
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.
Irritating updates
Ask to update every single time the app is opened !!
Response from developer
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!
Hopeless update
This update completely prevented me from the YONO App more than one day it is still going in circles
Worst update (access issue)
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.
Unusable
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.
Poor app
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.
International SMS Requirement Makes NRI Signup Difficult
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.
Nobody cares to respond to the emails sent to YONO email support
Can’t register as there’s only one way to register is to send SMS from phone
Can’t pay loan through the new app
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
Trapped in a forced update loop – Pathetic validation
The latest update makes the YONO app completely incompatible with iOS versions below 17.0. As an iPhone X user, I am locked out entirely. Even if you manage to install a previously compatible version, the app immediately forces a hard stop and demands an update to the latest version—which my phone physically cannot download.
If you are going to drop support for older iOS versions, at least allow legacy versions to continue functioning for essential banking needs, rather than creating a broken, looping user experience. Pathetic validation and terrible customer experience for long-time users.
If you are going to drop support for older iOS versions, at least allow legacy versions to continue functioning for essential banking needs, rather than creating a broken, looping user experience. Pathetic validation and terrible customer experience for long-time users.
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Response from developer
Dear User, this change is to enhance security and performance. Older OS versions lack the latest updates, leaving users vulnerable, especially with financial data. By restricting outdated OS versions, YONO ensures a platform that meets current security standards. Please access banking at www.onlinesbi.sbi with your userID n password
Sloppy App
Very sloppy by SBI. The earlier version of the website was much more robust and so much more functionality in terms of the services one could complete online. In a rush to move to the new version, SBI has chosen to completely ignore all of the functionality and put together a new version that looks pretty but lacks many of the earlier online features. With India as a growing economy with so much of tech capability available, it’s lousy when compared to apps of leading financial institutions in the West. Is this all SBI is capable of? Example - App doesn’t work if you are on WiFi in Aeroplane mode - seriously? As long as Face ID and two factor authentication works, does SBI think that blocking usage access with no cellular signal actually improves security? SBI’s leadership team should be ashamed of itself
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Response from developer
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. SBIAPS150726002 in the subject line. Thankyou!
Active sim useless for NRI
How on earth you can decide active sim should be present for NRI holders? Why you guys so horrible to give bad experience…..
Worst Banking App in the world
Entire IT Team responsible gor this should lose their job.
It’s 2026, if your Moblile Banking App has bugs every step of the way and it doesn’t gets addressed for years after being reported, entire team should be let off.
They costing business to SBI. People are not able to register for UPI, every screen gets frozen, unable to manage debit cards what else? Issue list is so long and nothing has been fixed for years. Most funny this the App Support link in App Store gives 503 error, school kids would provide better software solutions.
It’s 2026, if your Moblile Banking App has bugs every step of the way and it doesn’t gets addressed for years after being reported, entire team should be let off.
They costing business to SBI. People are not able to register for UPI, every screen gets frozen, unable to manage debit cards what else? Issue list is so long and nothing has been fixed for years. Most funny this the App Support link in App Store gives 503 error, school kids would provide better software solutions.
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Kindly resolve all accessibility issues in this app
**Subject:** URGENT: Critical Accessibility Blocker for Visually Impaired Users on YONO iOS App
**Dear SBI YONO Developer Team,**
I am writing to provide strong feedback regarding the severe lack of accessibility in the SBI YONO application. I am a visually impaired person currently working as a bank officer. I rely entirely on the VoiceOver screen reader on my iPhone to navigate your application.
Presently, the poor accessibility of the YONO app causes significant difficulties and delays in my usage. However, the most critical issue occurs after every app update, when a "Terms and Conditions" screen is displayed. At the end of this screen, there is an "I agree" checkbox placed right before a "Proceed" button.
These specific elements cannot be operated using the VoiceOver screen reader. Because accepting these terms is mandatory to continue, I am completely blocked from entering the app. Consequently, after every single app update, I am forced to seek the assistance of a sighted person just to access my bank account.
Why do you not ensure that every change and enhancement you make reaches all of your users? Why do you continuously subject visually impaired customers to such unnecessary hardship?
I strongly urge you to take the accessibility of the YONO app seriously and implement immediate improvements. This is an earnest request made on behalf of all visually impaired users who rely on your services.
Sincerely,
Venkatesan
**Dear SBI YONO Developer Team,**
I am writing to provide strong feedback regarding the severe lack of accessibility in the SBI YONO application. I am a visually impaired person currently working as a bank officer. I rely entirely on the VoiceOver screen reader on my iPhone to navigate your application.
Presently, the poor accessibility of the YONO app causes significant difficulties and delays in my usage. However, the most critical issue occurs after every app update, when a "Terms and Conditions" screen is displayed. At the end of this screen, there is an "I agree" checkbox placed right before a "Proceed" button.
These specific elements cannot be operated using the VoiceOver screen reader. Because accepting these terms is mandatory to continue, I am completely blocked from entering the app. Consequently, after every single app update, I am forced to seek the assistance of a sighted person just to access my bank account.
Why do you not ensure that every change and enhancement you make reaches all of your users? Why do you continuously subject visually impaired customers to such unnecessary hardship?
I strongly urge you to take the accessibility of the YONO app seriously and implement immediate improvements. This is an earnest request made on behalf of all visually impaired users who rely on your services.
Sincerely,
Venkatesan
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Response from developer
Dear Customer, we understand your concern. To help us look into this, please send an email to appfeedback.yono@sbi.co.in with your registered mobile number and a detailed description of the issue. Please mention reference number SBIAPS020726012 in the subject line. Thank you!
Substandard app
Public sector banking apps are worse. So many issues with logging in, fund transfers, frequent updates. They should learn something from private banking apps.
Excellent Banking Experience with YONO SBI
I am highly satisfied with YONO SBI. The app provides a seamless and convenient banking experience, allowing me to perform almost all banking activities from anywhere and at any time. The user interface is clean, intuitive, and easy to navigate, making transactions quick and hassle-free.
Features such as balance enquiry, fund transfers, UPI payments, bill payments, account statements, and service requests are easily accessible and work efficiently. The app also offers a high level of security with multiple authentication layers, which gives me confidence while carrying out financial transactions.
I particularly appreciate the convenience of managing my accounts without having to visit a branch. The app is regularly updated with new features and improvements, enhancing the overall user experience. Customer support services and account-related functionalities are also well integrated.
Overall, YONO SBI is a reliable, secure, and feature-rich banking application that has made everyday banking simple and convenient. I would highly recommend it to anyone looking for a comprehensive digital banking solution.
Features such as balance enquiry, fund transfers, UPI payments, bill payments, account statements, and service requests are easily accessible and work efficiently. The app also offers a high level of security with multiple authentication layers, which gives me confidence while carrying out financial transactions.
I particularly appreciate the convenience of managing my accounts without having to visit a branch. The app is regularly updated with new features and improvements, enhancing the overall user experience. Customer support services and account-related functionalities are also well integrated.
Overall, YONO SBI is a reliable, secure, and feature-rich banking application that has made everyday banking simple and convenient. I would highly recommend it to anyone looking for a comprehensive digital banking solution.
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Response from developer
Dear Customer, we want to express our heartfelt gratitude for your review. Customer service is the bedrock of SBI, and receiving positive feedback from you fills us with encouragement. Thank you for choosing YONO SBI, and we can't wait to serve you again. Team YONO SBI.
As expected always SBI APP sucks
Just by changing UI doesn’t mean the app is enhanced. Literally NRI’s are facing nightmares with SBI App. When I’m successfully authenticated by turning off WiFi and identified with my US phone number by receiving text and my name perfectly shows up then what on earth is wrong with your algorithm in identifying when logging with my login credentials. You just can’t authenticate and lost an attempt. Why is that not identifying and logging me when I can successfully login visiting SBI portal. Lost an attempt and I’m not stupid enough to try again knowing I’m encountering with a junk app. Seriously I’m sick and tired of SBI App and support. Nothing has changed. Horrible service for NRI’s.
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Restrictions
The requirement that I need to have an SMS enabled to login into the mobile app defeats the purpose of using Internet banking. I understand this might be a security feature to not allow other people to login, but for phones, especially used by NRIs my not have the same number
Reregister does not work
Once mobile no is updated, option to re register does not work
