SBI Authenticator vs Needs & 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 wants, and a spending score out of 100 that tells you how you did. NEW IN THIS UPDATE • Voice add - tap the mic and say "Coffee 120 and Uber 250". Each expense is added with Need or Want and the category filled in • Lock Screen widgets - this month's totals at a glance, plus one-tap Add Expense and Add by Voice buttons • Share your Verdict - turn your monthly score into a card for Stories or WhatsApp. Amounts stay hidden unless you choose to show them KEY FEATURES • Needs vs. Wants - tag every expense in seconds, and the category is picked for you • Monthly Verdict - spending score (S to D), Needs/Wants split, category breakdown and budgets • Bill scanner - photograph a receipt and every item and amount is filled in • Home Screen and Lock Screen widgets - see your monthly totals without opening the app • Friends leaderboard - add friends by code and compare scores (scores only, never your expenses) • Categories - 50+ built in with search, plus your own • 28 currencies - log foreign spending with live conversion • Face ID or passcode lock, and blur for private amounts • Daily reminders so you never forget to log • Device transfer - encrypted QR-code transfer moves your history to a new phone • Referral bonus - share your code and 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. Our servers hold only your account details (email, name, date of birth), plan status, friends list and custom category names. Bill scanning and voice add use Groq, a third-party AI service, only with your permission: the photo or recording you choose is sent to read the expense details and is not stored by us. When you use device transfer, 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 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, full access forever Subscriptions are managed through your Apple ID. Cancel any time in Settings → Subscriptions. Privacy Policy: https://needsandwants.in/privacy Terms of Use: https://needsandwants.in/terms