Comparison

YONO SBI vs Smart Plus.

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

YONO SBI

Manage your finances with this comprehensive banking and lifestyle application. It offers seamless UPI payments, instant fund transfers, and easy account opening. Enjoy personalized offers, loyalty rewards, and robust security features for all your banking needs.

Highlights
  • 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
Features
Read full description

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."

About

Smart Plus.

Buy and sell stocks with real-time quotes and updates. This finance app allows trading in equity, commodity, currency, and futures & options, with convenient online fund transfers. Access expert research and analysis on the go.

Highlights
  • Real-time stock quotes
  • Equity, Commodity, Currency, F&O trading
  • Online fund transfers
  • Expert research and analysis
  • Mobile trading on the go
Features
Read full description

Smart Plus is an app from STEEL CITY for buying and selling of stocks. STEEL CITY brings the stock market to your mobile phone through this easy-to-use app, with lots of interesting add-ons and convenient features that you will absolutely love. You will get addicted before you know it! * Get Real-Time Stock Quotes and Updates * Trade and track in Equity, Commodity, Currency, and F&O Transfer funds online STEEL CITY Smart Plus app is a unique online trading application, which offers stockbroking services with the added benefits of expert research and analysis. This app brings all the benefits of STEEL CITY to your mobile phone so you can trade conveniently on the go, anytime. Steel City Securities Ltd. SEBI Registration No. : INZ000223538 Member Codes: NSE: 08061 | BSE: 456 | MCX: 56645 | NCDEX: 01293 | MSEI: 14500

Screenshots

YONO SBI4 screens
Smart Plus.4 screens

Verdict

The call

The clearest difference is rating: Smart Plus. at 5.0 against YONO SBI's 3.3. Smart Plus. also leads on iOS requirement (15.6 vs 17.0). YONO SBI's advantage is update cadence (fortnightly vs every 3 months) and ratings volume (2.9K vs 2). On price, ads, in-app purchases and monetization model there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

Smart Plus. holds the better App Store score, 5.0 against 3.3. That said, the two scores are not equally well evidenced: YONO SBI has 2.9K ratings behind it against 2, so its average is the more settled of the two.

UpkeepUpdate frequency

YONO SBI ships an update fortnightly, Smart Plus. every 3 months. The most recent releases landed on September 24, 2026 and September 15, 2026 respectively.

Scorecard4 real differences · 6 level
YONO SBI versus Smart Plus.: the parameters behind the verdict, then further details
ParameterYONO SBISmart Plus.
PriceFreeFree
Rating3.3 (2.9K ratings)5.0 (2 ratings) — better
Positive reviews13.3% of reviews—
Number of ratings2.9K — better2
Update frequencyFortnightly — betterEvery 3 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhoneiPhone, iPod — better
Requires iOS17.015.6 — better
Further details — not scored
Size237 MB87 MB
Age rating4+4+
DeveloperState Bank of IndiaSteel City Securities Limited

Customer experience

YONO SBI

All ratings2,925 ratings
Positive57.1%
Neutral8.0%
Negative34.9%
Written reviews849 reviews
Positive13.3%
Neutral7.9%
Negative78.8%

Smart Plus.

All ratings2 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

Bugs and requests

YONO SBI

Reported bugs

6 issues
  • 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
Show 1 more
  • Inconsistent behavior across devices

Requested features

6 requests
  • 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
Show 1 more
  • Make the app more user-friendly for NRI customers

Smart Plus.

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

YONO SBI

No in-app purchases

None

Smart Plus.

No in-app purchases

Questions

Is YONO SBI free?
YONO SBI is free to download, with no in-app purchases.
Is Smart Plus. free?
Smart Plus. is free to download, with no in-app purchases.
Which has better reviews, YONO SBI or Smart Plus.?
Smart Plus. is rated higher. YONO SBI averages 3.3 out of 5 from 2.9K ratings, while Smart Plus. averages 5.0 from 2 ratings.
Do YONO SBI or Smart Plus. have ads?
Neither YONO SBI nor Smart Plus. shows ads.
Which is updated more often, YONO SBI or Smart Plus.?
YONO SBI ships an update fortnightly, and Smart Plus. every 3 months. Most recently, YONO SBI was updated on September 24, 2026 and Smart Plus. on September 15, 2026.

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