SBI Mobile Banking

SBI puts forth two mobile applications 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.

1.SBI YONO App 

This 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:

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 customers, a new feature, i.e. mPIN is introduced. This is a 4-6 digit number that is set by the customer. 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:

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 of BHIM SBI Pay are:       

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

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 SMS Banking Codes for Various Services

Know More: SBI SMS Banking

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 through 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

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

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

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?

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.Is it required to keep your MPIN as alphanumeric?

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?

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?

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