YONO SBI User Reviews

Customer Experience

Positive experience13.4% of reviews
Neutral8.0% of reviews
Negative experience78.6% of reviews

~ Based on 838 written reviews from the US App Store.

What users say

Is YONO SBI Safe?

YONO SBI:Banking and Lifestyle has mixed safety signals based on user ratings. AppsHunter Safety Score for YONO SBI is 66/100.

This assessment is based on 2,909 user ratings, with an App Store average of 3.3/5.

Safety Analysis

57.2% of ratings point to a safe experience
8.0% of ratings suggest some concerns
34.8% of ratings point to a risky experience

~ Based on 2,909 App Store ratings for YONO SBI.

Is YONO SBI Legit?

YONO SBI:Banking and Lifestyle appears to be a legitimate app. AppsHunter Legitimacy Score for YONO SBI is 90/100.

Based on 90 of 100 points across 7 verification signals from App Store and developer data.

Top reviews

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.
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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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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.
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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
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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.
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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

Issue with Activate UPI.

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.

app sucks

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 .

Security issue while logging out

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.
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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. SBIAPS240626005 in the subject line. Thankyou!

Worst App and work by SBI

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.