# YONO SBI vs Smart Plus.

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.

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

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.

YONO SBI ships an update fortnightly, Smart Plus. every 3 months. The most recent releases landed on September 25, 2026 and September 15, 2026 respectively.

## The numbers

| Metric | YONO SBI | Smart Plus. |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.3 (2.9K ratings)](https://appshunter.io/ios/app/yono-sbi-banking-upi-and-pay/id1231393474/reviews) | **[5.0 (2 ratings)](https://appshunter.io/ios/app/smart-plus/id1665033708/reviews)** |
| Number of ratings | **2.9K** | 2 |
| Positive reviews | 13.3% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Fortnightly** | Every 3 months |
| Monetization | Free | Free |
| Size | 237 MB | 87 MB |
| Requires iOS | 17.0 | **15.6** |
| Devices | iPhone | **iPhone, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [State Bank of India](https://appshunter.io/developer/503784436) | [Steel City Securities Limited](https://appshunter.io/developer/1435142703) |

## What reviewers say

### YONO SBI

[App page](https://appshunter.io/ios/app/yono-sbi-banking-upi-and-pay/id1231393474)

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:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Great app
- 🔒 Safe and secure
- 👍 Easy to operate
- 👍 Excellent service
- 👍 User friendly

**What reviewers complain about**

- 🐛 Bill payment not working
- 🐛 Bugs and crashes
- 🐛 Slow and unreliable
- 👎 Poor app design
- 👎 Terrible UX

**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

**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


### Smart Plus.

[App page](https://appshunter.io/ios/app/smart-plus/id1665033708)

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:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked 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 25, 2026 and Smart Plus. on September 15, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*