SBI’s Net Banking lets you manage your accounts anytime—from transfers and bills to investments and more. Here’s your complete guide.
1. Activation: How to Register
Requirements:
- SBI account with registered mobile
- CIF number, account number, branch code
- Debit card (or branch visit)
Online Activation Steps:
- Visit SBI Net Banking portal → Personal Banking → New User Registration/Activation
- Enter account, CIF, branch code, country, mobile number; select access rights
- Submit Captcha → get OTP → submit again
- Choose “I Have My ATM Card” → validate debit card details
- Set username and password (mix of upper/lowercase, number, special char)
- Set a profile password and security questions
- Registration complete—choose “Account Summary” to view accounts!
If you don’t have a debit card, opt for branch activation.
2. Login: How to Access Your Account
- Go to SBI Net Banking login page
- Enter username, login password, and captcha, then click Continue
- Enter the OTP sent to your mobile
- On first login, select a security image/message for added protection
Password Reset:
- Click Forgot Username/Login Password → verify via profile password, ATM info, or OTP
- Mandatory password change every 365 days
3. Key Services Available
Fund Transfers
- Intra-/Inter-bank via SBI, IMPS, NEFT, RTGS
- Manage beneficiaries, schedule or setup recurring transfers
Account Management
- View balance, e-statements, mini-statements
- Check CIBIL via partner services
Utility Payments
- Mobile, DTH, electricity, taxes, insurance, LIC premiums
- Credit card bill payments and loan EMIs
Deposits & Investments
- Open/manage FDs, RDs, PPF; invest in mutual funds, IPOs, eSGB
Cheque & Card Services
- Chequebook requests, stop payments
- Reset debit card PIN, hotlist cards
Other Features
- PAN/Aadhaar updates, Form 15G/H, nomination changes
- Lodging complaints, loyalty reward points
4. YONO & Mobile Integration
- Use YONO SBI app: links seamlessly to your Net Banking ID
- Also available: YONO Lite for basic transactions
- YONO Business for corporate customers
5. Security Tips
- SBI uses 256‑bit SSL, virtual keyboard, and captcha to prevent fraud
- Never share OTP, username, or passwords—SBI won’t ask for these via call or email
- Log out after use; avoid public Wi‑Fi; update passwords regularly
Summary Table
| Process | Steps |
|---|---|
| Register | Visit site → New User → OTP → validate ATM → set passwords |
| Login | Username + password + captcha → OTP → security image |
| Forgot Password | Use “Forgot” link → verify via ATM/debit → reset credentials |
| Fund Transfers | Payments/Transfers → add/manage beneficiaries → IMPS/NEFT/RTGS/UPI |
| Bills/Deposits | BillPay, FD/RD, e-Statements, LPF, cheque/card management |
| Mobile Access | Use YONO apps for mobile convenience with same credentials |
| Security | SSL, OTPs, virtual keyboard, regular logout, password change |
Final Tips
- Activation via debit card + OTP is quick and convenient.
- For full transaction rights, choose “Full Transaction” during registration.
- Regularly update security settings and passwords.
- For corporate use, opt for YONO Business.
