# YONO SBI: Banking, UPI & Pay — user reviews > 845 indexed App Store user reviews of YONO SBI by State Bank of India, rated 3.30/5 from 2,922 ratings. - Source: https://appshunter.io/ios/app/yono-sbi-banking-upi-and-pay/id1231393474/reviews - App overview in markdown: https://appshunter.io/ios/app/yono-sbi-banking-upi-and-pay/id1231393474.md - Rating breakdown: 5★ 1,173 · 4★ 495 · 3★ 234 · 2★ 153 · 1★ 867 ## 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 ## Newest reviews (19 of 845) ### 1/5 — Trapped in a forced update loop – Pathetic validation *2026-07-19* 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. **Developer response:** 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 By restricting outdated OS versions, YONO ensures a platform that meets current security standards.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 ### 1/5 — Sloppy App *2026-07-13* 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 **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. SBIAPS150726002 in the subject line. Thankyou! ### 1/5 — Active sim useless for NRI *2026-07-11, version 2.29.15* How on earth you can decide active sim should be present for NRI holders? Why you guys so horrible to give bad experience….. ### 1/5 — Worst Banking App in the world *2026-07-10, version 2.29.15* 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. ### 3/5 — Kindly resolve all accessibility issues in this app *2026-07-04* **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 **Developer response:** 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! ### 1/5 — Substandard app *2026-07-03, version 2.29.15* Public sector banking apps are worse. So many issues with logging in, fund transfers, frequent updates. They should learn something from private banking apps. ### 1/5 — As expected always SBI APP sucks *2026-06-27, version 2.29.14* 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. ### 1/5 — Restrictions *2026-06-25, version 2.29.13* 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 ### 1/5 — Reregister does not work *2026-06-24, version 2.29.13* Once mobile no is updated, option to re register does not work ### 2/5 — Issue with Activate UPI. *2026-06-23* While activating UPI, the app is making the selection of SIM 1, and i am not able to change to SIM 2. It’s just disabled. **Developer response:** 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 SBIAPS250626005 in the subject line. Thank you! ### 1/5 — app sucks *2026-06-21, version 2.27.04* i am in USA and not able to refresh this app when ever i tried to open its saying an upgraded version is available and asking to upgrade which never happens . i am not able to use this app any more . ### 3/5 — Security issue while logging out *2026-06-19* There is an issue with the latest version of the app as on date 19th June 2026. Once you log out of the app there is a log out pop up that gives you the option to either provide a feedback or skip. When you skip you directly log out, but if you proceed with feedback, then you reach a ratings page, where on top of the page you have a back button to go to suggestions and feedback form, now here is the problem, earlier in this app when you clicked this back button you will land on the login page again, where you have to put your credentials or face id to login, but since the last update when you click this back button you enter into the bank dashboard page no login page appears. The earlier version was correct once you logged out whether you proceed to feed back or skip you are logged out. But now there is a back button, and if you land on the feedback page but do not provide feedback you are still logged in. I believe in earlier version the page was working right. **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. SBIAPS240626005 in the subject line. Thankyou! ### 1/5 — Worst App and work by SBI *2026-06-18, version 2.29.13* Why you guys do not have zero star rating. I never seen any worst app then this. This is worst app made. We can see govt and its employee why don't work? if they work then result like Yuno. ### 1/5 — Worst app *2026-06-14* Not able to login keeps on asking to update **Developer response:** We understand you're experiencing a login issue and are ready to help. To resolve this swiftly, kindly email your registered contact number and a brief explanation of what you're encountering to appfeedback.yono@sbi.co.in. Our team will then get in touch. Please mention ticket No. SBIAPS170626002 in the subject line. Team YONO SBI ### 1/5 — App keeps crashing *2026-06-06, version 2.29.10* Whenever I try to login to the app it keeps saying technical error and doesn’t allow me to login. ### 1/5 — Not able to Register *2026-06-06, version 2.29.10* Keyboard doesn’t show up re-enter the MPIN during new registration process. ### 1/5 — App developers have no sense of user experience *2026-06-05* The user experience throughout the app is just terrible. Every single workflow is designed for more hinderance rather than smooth transition. Who thought that giving a slider for PPF investment amount without any finer controls to increase or decrease the amount or enter a specific amount was a good idea. Even choosing very simple round figures is impossible on that slider Choosing any other intermediate amount is just out of question. Very basic usability experience is missing. Goes to show how lacking is the detail to attention there. Too much friction and makes you hate coming to the app ever. Instead of modern security features, they just choose 100 sms OTP approach eventually making the app even more useless. Utterly useless app. :( **Developer response:** Dear Customer, we sincerely apologize for any inconvenience. please send an email to us at appfeedback.yono@sbi.co.in mentioning your registered mobile phone number, error description and request you to mention the reference number SBIAPS070626002 in the subject line. Thank you! ### 1/5 — Asking MPIN set up every time you. Login *2026-06-03* It is so frustrating that every time you launch application, it is asking to reset the pin. Now I am out of stock of my pins. It’s very difficult to think off new numbers every day or even every next time application is launching, is it a new sort of security measure??? Not quite sure wheather development team is aware of it or not but now it’s been more then a month we are suffering from this bloody issue. Please share this feedback to relevant persons who can take the action. Since it is Indian bank and Indian application lot of people ignore and stop using simply by saying that it’s Indian quality. Please be mindful of what you are serving to customers It’s been more the 2weeks now, the application team is not fixing the MPIN reset issue. Whenever you do fresh login, you are asked to reset MPIN again and again. It’s been 8-9 MPINS I have reset now I am out of PIN numbers. Why the application is asking resetting pin again and again. I am not sure if they really monitor performance data of the appluca but it’s annoying to use YONO I am not getting option to write another review but the application is forever has bugs defects and run time errors. I have been trying to check my account, login is not happening **Developer response:** Dear Customer, sorry to hear about the issue you faced. For faster resolution, please send an email to appfeedback.yono@sbi.co.in with your account number, registered mobile number, and a description of the error. Please mention reference number SBIAPS050626011 in the subject line. Thank you! ### 2/5 — No UPI for SB joint holder *2026-06-02, version 2.29.10* 1) I’m a Savings Bank account joint holder (not primary holder) in Either or Survivor mode. Yono created a UPI id for me with @sbi suffix but does not allow UPI payments from my SBI joint account. This is ridiculous and needs to be corrected. 2) Account statement downloads a protected file without “SBI” in file name. This makes it impossible to understand what password to use for it at later time. Other banks are putting their name in file name. Please adopt this. ## Most critical reviews (10 lowest-rated) ### 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 ## Most praised reviews (10 highest-rated) ### 5/5 — Excellent Banking Experience with YONO SBI *2026-06-30* 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. **Developer response:** 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. ### 5/5 — Not open update app *2026-04-14, version 2.29.02* Not working ### 5/5 — Edit: App Load Works Now *2026-02-27* With the latest version, the app fails to load beyond the purple screen, regardless of network conditions or time of access. This issue is preventing use of the app and highlights a significant setback in functionality. The app is taking us back to the 1980’s paper era. Edit: I’ve received an email from SBI Dev team requesting my account number to investigate the issue. However, I’ve noticed the App Load problem is local to my iPhone as I’ve disallowed Location services from the Screen-Time which the Yono App couldn’t get through and thus stayed in the purple login screen always. I’ve emailed the dev team with the same information about how to replicate the issue, but received another reply asking me to call the SBI Service Desk to log a ticket. The Yono SBI App works as usual now after enabling location services from the screen-time. **Developer response:** Dear Customer, we sincerely apologize for any inconvenience. please send an email to us at appfeedback.yono@sbi.co.in mentioning your registered mobile phone number, error description and request you to mention the reference number SBIAPS020326001 in the subject line. Thank you! ### 5/5 — update *2026-01-18, version 2.27.04* Nice Update ### 5/5 — Very good interface *2026-01-05, version 2.27.04* Latest interface is very good and user friendly. ### 5/5 — Impressive redesign *2026-01-03, version 2.27.04* I have always felt that large indian banks lagged behind international standards in app designs, despite our incredible local talent. However the new Yono app changed that. New interface is sleek and faster. Great job development team. ### 5/5 — Excellent. *2025-12-31, version 2.27.04* It’s one of the excellent SBI Mobile App. It gives all the detailed information of Accounts, a customer holding & very easy to login & do transactions.. Keep it up. ### 5/5 — Bank Services *2025-12-30, version 2.27.04* Out Standing ### 5/5 — SBI - The Global Banking Leader *2025-12-12, version 1.24.39* SBI has truly been an exceptional banking partner for me. The services they offer are not only efficient but also extremely affordable, making everyday banking smooth and hassle-free. What I appreciate the most is the trust and reliability that SBI has built over the years—there’s a sense of security in knowing your finances are handled by the most trustworthy bank in India. Whether it’s customer support, digital banking, or overall transparency, SBI consistently delivers a remarkable experience. I genuinely feel confident and satisfied being associated with such a dependable institution. ### 5/5 — Revised Review *2025-11-25, version 1.24.38* It feels like the app has been completely revamped with advanced features—everything is now literally at fingertips. Great options have been added for NRIs. As an NRI, I struggled with this for years, but the latest updates have made every transaction smooth, fast, and hassle free. Thank you and keep up the amazing work! --- *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.*