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SBI Mobile Banking

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Updated: 15-05-2024 09:43:16 AM

Customers of State Bank of India are offered with mobile banking facilities via apps like SBI YONO and BHIM SBI Pay. SBI YONO (You Only Need One) and BHIM SBI apps enable its customers to avail banking services anytime and anywhere through their smartphones. Apart from these phone apps, customers can also make use of SBI SMS Banking with the help of their mobiles.

 

With the help of mobile banking, a variety of financial tasks have been simplified. Be it getting a simple account statement to keep their budget in check or to complete complex tasks like investing in mutual funds, everything can be done in a few clicks. SBI YONO does the exact same job – bringing banking at your fingertips.

SBI Mobile Banking - Services Available
SBI Mobile Banking Registration
Dos and Don’ts of SBI Mobile Banking
SBI SMS Banking
Cardless Cash Withdrawal in SBI
SBI Mobile Banking FAQs

SBI Mobile Banking - Services Available

Account Summary Mini Statement mPassbook
eStatement Download e-Statement Subscription View Bank Account Details
Fund Transfer (NEFT/RTGS/IMPS/UPI) Quick Transfer & Donations Send mCash via mobile or email ID
Schedule Transactions Add/Manage Beneficiary Open eDeposits
Mobile Recharge DTH Recharge TDS Enquiry
Bill Payment Manage/Schedule Bills Submit Form 15G/15H
Get/Cancel MMID Cheque Book Request/Stop Cheque Online Nomination
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SBI Mobile Banking Registration

SBI puts forth two mobile applications for mobile banking registration for its customers, viz. SBI YONO and BHIM SBI PAY. Where YONO is a holistic app bringing all types of banking services at the user’s fingertips, BHIM SBI PAY offers easy UPI-based transaction option. Let’s know about these apps in details.

Mobile Banking Registration Apps – SBI YONO & BHIM SBI Pay

1. SBI YONO App 

SBI’s You Only Need One (YONO) app can be accessed using your debit card details or internet banking login details. After creating an account on it, you can create an mPIN for quick login. Follow the steps stated further to register yourself on SBI YONO app:

Registration Process for SBI YONO

Step 1: Install SBI YONO from Google Play Store or App Store

Step 2: Open the app and click “Yes”, if you have internet banking activated

Step 3: On clicking “Yes”, you will be redirected to the login page. Enter your Internet Banking User ID and Password to access the YONO App

Step 4: If you don’t have Internet Banking login details, Click “No”

Step 5: Click on “Register for YONO with my ATM Card”

Step 6: Enter your CIG Number & Account Number in the fields provided. (These are mentioned in your passbook.)

Step 7: Enter the OTP sent to your registered mobile number and submit

Step 8: Now, to generate a username& password, enter your ATM card number and ATM PIN

Step 9: Create your password

What is mPIN?

To make it easier for the customers, a new feature, i.e. mPIN is introduced, which is a 4-6 digit number that is set by the consumer. Instead of logging in by username and password, this mPIN can be entered to access internet banking services.

Services Available in SBI YONO

SBI YONO or You Only Need One app is an all-in-one mobile application that eliminates the need to have any other app to carry most of the banking activities. Check the table below regarding the services you can avail using this application:

Particulars

Details

Account

View account balance anytime

YONO Pay
  • 24×7 fund transfers
  • Quick bank to bank transfer up to Rs. 10,000
  • YONO Cash (Withdraw cash up to Rs. 20,000/day at any SBI ATM without ATM Card)
  • BHIM UPI (up to Rs. 1 lakh/day using UPI ID or QR Code)
  • Bill Payments (SBI Credit Card Bill/ Prepaid Bill/ DTH Recharge/Other Bill Payments)

eDeposits

Create new FD/RD (FD of minimum Rs. 1,000)

Cards
  • View and manage credit/debit cards
  • Pay credit card bill
  • Request a new credit card
  • Block or Activate Debit Card
  • Manage PIN
Loans Check loans available (car loan, personal loan, home loan, etc.)

Insurance
  • Link existing policy
  • Buy new policy
  • Retrieve Quote/Application

Investments
  • Create a folio
  • Invest in Mutual Funds
  • Check New Fund Offers
  • Invest through SBICAP Securities

2. BHIM SBI Pay App

State Bank of India has collaborated with the BHIM UPI by NPCI to offers its customers with the UPI-based payment services.

Click Here: How to Register for BHIM SBI UPI

Features:       

Particulars

Details
Availability Android and iOS devices
Transfers or Payments via VPA, QR Code, Account No./IFSC, Aadhaar Number
Timings 24×7
Transaction Limit Rs. 1 lakh/day
or
10 transactions/day
Payment Types Mobile recharge, post-paid bills, DTH recharge, Utility bills, etc.

Other Services
  • Offers on Food Ordering (with apps like Swiggy, Fresh Menu, etc.)
  • Bus Bookings
  • Flight Bookings
  • Hotel Bookings
  • Option to Donate
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Dos and Don’ts of SBI Mobile Banking

Below mentioned are the Dos and Don’ts related to SBI Mobile Banking which should be followed by all existing customers.

Dos:
  • Always make sure that your mobile phone is protected with a unique password or pattern
  • It is crucial to select a strong password containing a mixture of alphanumeric as well as special characters
  • It is important to change your password quite frequently
  • If by chance your phone gets stolen or misplaced, immediately report the case to the bank. Block your mobile banking service and file an FIR with the nearest police station
Don’ts:
  • Make sure that you do not share your password information on any website apart from the bank’s registered app
  • Do not use a public Wi-Fi connection to use SBI YONO or BHIM SBI PAY
  • Never keep any confidential banking information stored in messages or files in your mobile phone
  • If you change your mobile number, make sure to inform SBI about it

SBI SMS Banking

State Bank of India allows the customers to access SBI mobile banking via SMS facility on their mobile devices. This comes handy when your internet connection is not working or your smartphone is compromised.

How to Register for SBI SMS Banking?

SBI SMS Banking is only for existing customers of the State Bank of India. Services available:

  • Prepaid Mobile top-up
  • Enquiry Services such as Balance Enquiry/Mini Statement
  • DTH Recharge
  • IMPS Merchant Payments
  • NETFT Fund Transfers
  • MobiCash Wallet Top-up
  • IMPS Fund transfer –IFSC,  Account Number, Contact Number & MMID

SBI Mobile Banking Activation

An activation code shall be shared via SMS after the approval of your mobile banking registration. You need to enter this activation code in the SBI mobile banking app to activate the mobile banking process. Further, you need to set your personal login password and start using the mobile banking services.

How to change/reset SBI Mobile Banking Password

If you forget your SBI mobile banking password, it can still be changed even from the SBI YONO app. All you need to do is reset your password from the app by just tapping on ‘Forgot Password’ and follow the mentioned steps. You need to have your account and ATM card details handy, along with other required documents. Once you clear all the security questions on the app it shall direct you to set a new password and confirm it later with the MPIN to secure it further.

SBI SMS Banking Codes for numerous Services

Send to 922344000 or 567676
Purpose SMS Format
To get User ID and default mPIN MBSREG or MBREG
Change mPIN SMPIN UserID OldMPIN New MPIN
Forgot mPIN SFPIN UserID
Balance Enquiry SBAL UserID MPIN
Mini Statement SMIN UserID MPIN
Generate MMID MMID UserID
Cancel MMID MMIDCANCEL UserID
DTH Recharge SDTH UserID MPIN ServiceProvider DTHSerialNo Amount
De-register from Mobile Banking Service SDEREG or SDREG

Know More: SBI SMS Banking

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Cardless Cash Withdrawal in SBI

SBI accountholders can withdraw cash from ATM without using SBI ATM cards. They can do so directly by placing a request through the cardless cash withdrawal facility through mobile banking. This process gets completed in two steps – first, by placing a request in the SBI YONO app and second, by completing the cash withdrawal by visiting the ATM.

Follow the below-mentioned steps for cardless cash withdrawal via YONO app:

Step 1: Login to the YONO app using your internet banking user ID and password or MPIN

Step 2: Now, select YONO cash option from the Home page or from YONO Pay in Home screen or from YONO Pay option on Hamburger Menu

Step 3: On the landing page of YONO Cash, under “New Request” tab, tap on the ATM option under YONO Cash

Step 4: Select the account from which the amount needs to be debited and enter the amount to be withdrawn and click on Next

Step 5: Now, you need to create your YONO Cash PIN for the specific transaction and tap on Next. The PIN will only be displayed on the screen at the time of creation and will not be allowed to share

Step 6: Review the transaction details, accept the Terms and Condition and click on Confirm

Step 7: A message will be displayed after successful completion of the transaction

Step 8: Your request is now registered on YONO and Transaction Reference Number will be sent to your registered mobile number via SMS

Steps to withdraw cash from the ATM using YONO cash

Follow the below-mentioned steps at the time of withdrawing cash from the ATM:

Step 1: Click on YONO Cash at the YONO Cash enabled ATM

Step 2: Now, enter the Transaction Reference Number received through SMS

Step 3: Enter the amount that needs to be withdrawn. The amount should be the same as initiated in YONO Cash request

Step 4:  Enter the YONO Cash PIN that was created while initiating YONO Cash request

Step 5: Once the transaction is validated and authenticated, the cash will be dispensed from the ATM

SBI Mobile Banking FAQs

Q. What are the prime benefits of SBI mobile banking?

Ans. It allows customers to carry out banking transactions on a 24×7 basis from any place with the help of a mobile phone.

Q. Who all can request for this service?

Ans. SBI Bank mobile banking service is available for all SBI savings account and current account holders. Presently, this service is also extended to SME customers.

Q. How to activate SBI Mobile banking for the first time?

Ans. To activate SBI mobile banking for the first time, you need to visit the official SBI’s website and check for ‘Personal Banking’ section and click on ‘Continue to Login’. Next, you need to click on ‘New User Registration’ and enter all the required details. Generate the OTP and enter it by clicking on ‘Submit. Register via your ATM card to receive a temporary username. Create a login password to further login to your SBI net banking account.

Q. How can I activate SBI mobile banking in Mobile?

Ans. To activate mobile banking in SBI via mobile, you need to send an SMS ‘MBSREG’ from your registered mobile to 9223440000 or 567676. Download the YONO app and change your mPIN to secure your own password.

Q. How to update mobile number with SBI bank account?

Ans. To update your mobile number you need to login to www.onlinesbi.com. Then search for the Profile-Personal Details-Change mobile No.” under “My Accounts”. Further, select your Account number, enter the mobile number and click on ‘Submit’. The last two digits of the registered mobile number shall be displayed.

Q. Do I need to submit any documents to register for SBI SMS Banking?

Ans. If you already have an account with SBI, then you are not required to submit any documents for SBI SMS banking.

Q. Is it required to keep your MPIN as alphanumeric?

Ans. Keeping your MPIN as alphanumeric ensures high-level security. Hence, it is advisable to keep it that way.

Q. What is the count of characters maintained in SBI MPIN?

Ans. The MPIN needs to be a total of 6 characters. Make sure it is a combination of special characters and alphanumeric.

Q. If mobile banking is not used for a longer period, will the service be deactivated?

Ans. Yes, if mobile banking isn’t accessed for six months, it would automatically be deactivated. One needs to register again for availing the service.

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