Comparison

Yono Lite SBI vs Services 1Up

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

Head to head
About

Yono Lite SBI

This mobile banking application allows State Bank of India customers to manage their finances conveniently on the go. It offers a wide range of features for account management, fund transfers, bill payments, and card management, accessible in multiple Indian languages.

Highlights
  • Account management and mini statements
  • Fund transfers (within SBI, third-party, inter-bank)
  • Fixed and recurring deposit opening
  • UPI transactions and management
  • Debit and prepaid card management
  • Bill payments and merchant payments
  • Voice-assisted banking
Features
Read full description

Yono Lite SBI is Mobile Banking Smart Phone application for SBI Customers in English, Hindi, Telugu, Tamil, Kannada, Malayalam, Marathi, Gujarati, Punjabi, Bengali, Odia, Assamese, and Kashmiri languages. Yono Lite is SBI’s retail internet banking-based application for your smartphones. A safe, convenient, and easy to use application with a host of features to help users manage your finances on the move. Please complete the one-time registration process to start using the application. New Registration process: - A message will be shown on the screen regarding initiating an SMS to +917208871299 from the mobile device for validating user's mobile number. Users has to send this app generated encrypted SMS manually. Users have an option to retry sending SMS to an alternate number 8422833333. - Click on ‘Proceed’ button and an SMS containing a unique code will be sent from the device to a predefined number. Kindly note that for sending SMS will incur standard SMS charges as per your telecom SMS plan. - On registration screen, please enter Username and Password and click REGISTER button. - Accept the Terms & Conditions for registration by selecting the check box and click ‘Ok’ button. - An activation code will be sent to the registered mobile number. User has to complete the activation by inputting the Activation code in the app. - User can now login to Yono Lite application. Features: My Accounts • Detailed account information (Transaction / Deposit /Loan / PPF / SSA accounts) • Mini Statement (Last 10 transactions) • mPassbook (upto 150 transactions) • View /Download statement • PPF Accounts Fund Transfer • Funds Transfer within Self Accounts • Third Party Transfer within SBI • Inter-Bank Transfer (RTGS / NEFT /IMPS) • Quick Transfer to Unregistered Beneficiaries using QR Code • IMPS Transfer (using IFSC & Account Number or Mobile Number & MMID) • Schedule Transactions • Add / Manage Beneficiary eDeposits • Open Fixed Deposit • Open Recurring Deposit • Open Multi option deposit UPI • Fund Transfer to Unregistered beneficiaries through beneficiary VPA • Fund Transfer to registered beneficiaries using Account No & IFSC code • Dispute Status • Set UPI transaction limit within overall daily limit • Enable/ Disable UPI Manage Cards • Physical Debit Cards • Virtual Debit Cards • Prepaid Cards Bill / Merchant Payments • Pay Bills • SBI Life Premium • Bill Payment History SBI Voice Assist • Voice assisted functionality to know Balance, mini-statement and Quick Transfer using voice instructions Top-up and Recharge • Top-up of State Bank Prepaid Cards • NCMC Debit Plus Card Manage Cards • Debit Cards Control Feature - Manage Debit Card Channel, Usage and Limits, Hotlisting and Set PIN • Manage Virtual Debit Cards • Manage Prepaid Cards Requests • IPO (Equity and Rights) • Apply IPO • FASTag Issuance • Get MMID • Cancel MMID • Cheque book • Positive Pay System • TDS Enquiry Services • Standing Instruction • Online Nomination • Submit 15 GH • Transfer of Savings account • eLocker • My Certificates Facility of QR based Cash withdrawal from ATMs. - User can withdraw cash by scanning the QR displayed on ATM screen through Yono Lite app. Quick Transfer and Donations • Send Money using Account Details • Donations Facility of Yono Cash for Card less cash withdrawal through ATMs Prelogin • WhatsApp Banking • BHIM SBI Pay • Report Fraudulent Txn • FASTag • QMS (Queue Management Solution) • SBI Collect • Donations to Religious Entities • Bharat Billpay • SBI Finder • Complaints • Lock/Unlock User ID • Apply for Loan • FAQs • Ask SIA • Branch/ATM

About

Services 1Up

Features
Read full description

From the app, mutual fund investors can check their portfolio on the go - anytime, anywhere. Entire family's portfolio can be seen in the app. The app also provides transaction facility thru which the user can transact in mutual fund schemes, start SIPs, invest more in exiting investments, etc. User can also check estimate of wealth required to achieve their financial goals using Wealth calculators. Explore Mutual Funds helps to make fund analysis and then invest.

Screenshots

Yono Lite SBI4 screens
Services 1Up3 screens

Verdict

The call

The clearest difference is ads: Services 1Up at none against Yono Lite SBI's shown. Services 1Up also leads on iOS requirement (13.0 vs 17.0). Yono Lite SBI's advantage is update cadence (every 3 weeks vs every 6 months). On price, in-app purchases and device support 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.

UpkeepUpdate frequency

Yono Lite SBI ships an update every 3 weeks, Services 1Up every 6 months. The most recent releases landed on October 31, 2026 and October 28, 2026 respectively.

Scorecard3 real differences · 7 level
Yono Lite SBI versus Services 1Up: the parameters behind the verdict, then further details
ParameterYono Lite SBIServices 1Up
PriceFreeFree
Rating3.7 (1.6K ratings) — better—
Positive reviews16.7% of reviews—
Number of ratings1.6K — better—
Update frequencyEvery 3 weeks — betterEvery 6 months
AdsYesNo — better
In-app purchasesNoNo
MonetizationFree with in-app purchases—
DevicesiPhoneiPhone, iPod — better
Requires iOS17.013.0 — better
Further details — not scored
Size116 MB31 MB
Age rating4+4+
DeveloperState Bank of IndiaOPTIMUM FINANCIAL SOLUTIONS PRIVATE LIMITED

Bugs and requests

Yono Lite SBI

Reported bugs

7 issues
  • Frequent login issues
  • OTP not received, even after multiple attempts
  • App crashes on launch after iOS updates
  • Unable to register device or account
  • Incorrect time shown in app
Show 2 more
  • Beneficiary addition not working
  • Stuck in OTP loop, unable to complete transactions

Requested features

7 requests
  • Add Face ID/Touch ID login
  • Improve registration process for international users
  • Integrate OTP app into main banking app
  • Allow password manager integration
  • Add QR code scanning for UPI payments
Show 2 more
  • Provide more detailed account information
  • Improve overall user experience and design

Services 1Up

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Yono Lite SBI

No in-app purchases

None

Services 1Up

No in-app purchases

Questions

Is Yono Lite SBI free?
Yono Lite SBI is free to download, with no in-app purchases.
Is Services 1Up free?
Services 1Up is free to download, with no in-app purchases.
Do Yono Lite SBI or Services 1Up have ads?
Yono Lite SBI shows ads; Services 1Up does not.
Which is updated more often, Yono Lite SBI or Services 1Up?
Yono Lite SBI ships an update every 3 weeks, and Services 1Up every 6 months. Most recently, Yono Lite SBI was updated on October 31, 2026 and Services 1Up on October 28, 2026.

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