SBI Authenticator vs Needs and Wants

The SBI Authenticator is a secure, efficient and user-friendly authentication solution developed by the State Bank of India to enhance the safety and convenience of your digital banking experience. This app is designed to reduce dependency on traditional SMS-based One-Time Passwords (OTPs) and enables more secure and seamless authentication methods for both financial and non-financial transactions across SBI Yono Lite, Yono Net Banking and Merchant Internet Banking (MINB) platforms. As digital banking grows, so does the need for robust, real-time authentication. The SBI Authenticator empowers users with multiple authentication options, including prompt-based approvals, QR code scanning and authentication using app-based OTP, offering a modern, secure and reliable alternative to SMS OTPs. With this Authenticator app, users can set their preferred authentication modes for various SBI channels that they use.

Needs & Wants helps you understand your spending - not just track it. Every expense you log gets tagged as a Need or a Want. At the end of the month, your Verdict shows you the full picture: how much went to essentials, how much to luxuries, and where you can do better. It's the honest look at your money that a standard budget app won't give you. KEY FEATURES • Needs vs. Wants - every expense is categorised, and your monthly expenses shows your verdict at a glance • Bill scanner - photograph any receipt and the AI extracts items and amounts automatically • Verdict tab - monthly breakdown by category, need/want ratio, and spending trends • Friends leaderboard - add friends by code and compare scores on the leaderboard (scores only, no details shared) • Home screen widget - see your running monthly totals without opening the app • Custom categories - rename, add, or reorder categories to match how you actually spend • Multi-device sync - encrypted QR-code transfer moves your history to a new phone in seconds • Referral bonus - share your code, earn extra trial days for you and your friends YOUR PRIVACY Your individual expenses never leave your device. Amounts, titles, dates, and categories are stored locally only, never uploaded. The only data on our servers is your account email, display name, and plan status. When you use the Sync feature, your expense history is AES-256 encrypted before leaving your device and deleted from our servers within 15 minutes. FREE TRIAL Every new account gets 30 days of full Pro access - no card required. Refer friends to earn extra days. PRO PLANS • Pro Monthly - full access, billed monthly via the App Store • Lifetime - one-time purchase, Pro access forever Subscriptions are managed through your Apple ID. Cancel any time in Settings → Subscriptions. Terms of Use: https://needsandwants.in/terms