# YONO SBI:Banking and Lifestyle — Bank,Invest,Shop,Travel

> 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-sbibanking-and-lifestyle/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 2,909 App Store ratings · 838 written reviews indexed
- Age rating: 4+
- Requires: iOS 17.0 · 168 MB
- Languages: American English, Hindi
- Released: 2017-10-21
- Data updated: 2026-08-26
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/yono-sbibanking-and-lifestyle/id1231393474/reviews.md

## What is YONO SBI?

Introducing the all-new YONO SBI—your smarter, faster, and smoother way to the Bank. Explore products with ease, use seamless UPI and quick-pay options, fund your account instantly, and enjoy effortless domestic and international transfers. Benefit from upgraded loyalty rewards, personalized offers, and stronger security with easy lock/unlock controls. Experience an intuitive, effortless approach to managing your finances anytime, anywhere.

Top Features
•	All-in-one digital banking app for payments, savings, investments, and loans.
•	Simple account opening with instant activation.
•	Effortless bill payments, auto reminders, and budget tracking.
•	Apply for credit cards, mutual funds, and insurance directly from the app.
•	24x7 access to manage funds, monitor spending, and plan your finances.

## 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 838)

All indexed reviews: https://appshunter.io/ios/app/yono-sbibanking-and-lifestyle/id1231393474/reviews.md

### 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

### 1/5 — Trapped in a forced update loop – Pathetic validation

*2026-07-19, version 2.29.16*

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.

### 1/5 — Sloppy App

*2026-07-13, version 2.29.15*

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

### 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.

## 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)

### 2.29.17 — 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.

### 2.29.13 — 2026-06-16

Key Enhancements and New Features in this Release:

. Financial Fitness and Spend Analysis under Personal Finance Manager.
. Optimized application performance and stability.
. Digital NRE/NRO Account opening.

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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 2026-08-26.*