YONO SBI (You Only Need One) is State Bank of India’s official all-in-one digital banking app. With YONO SBI, you can do banking, investments, shopping, and payments from one app—anytime, anywhere.
This guide explains what YONO SBI is, how to register and login, key features, password reset, and solutions to common problems in simple language.
Quick Summary – YONO SBI App
- App name: YONO SBI
- Full form: You Only Need One
- For: SBI savings & current account holders
- Availability: 24×7
- Cost: Free
- Platforms: Android & iOS
What You Can Do with YONO SBI
Using the YONO SBI app, you can:
- Check account balance & mini statement
- Transfer money via IMPS / NEFT / RTGS
- Pay bills, recharge mobile & DTH
- Open FD / RD instantly
- Apply for personal, home & education loans
- Manage debit card (block/unblock, limits)
- Invest in mutual funds & insurance
- Shop on YONO marketplace
- Use UPI payments
How to Register on YONO SBI (Step-by-Step)
You can register on YONO SBI if your mobile number is linked with your SBI account.
Registration Steps
- Download the YONO SBI app
- Open the app and tap Register
- Allow required permissions
- Enter:
- Account number / CIF
- Registered mobile number
- Verify OTP
- Set:
- MPIN
- Login password
- Complete registration
If you already use SBI net banking, you can login directly using the same username and password.
How to Login to YONO SBI
Option 1: Login Using MPIN
- Open YONO SBI app
- Enter your MPIN
- Access your account instantly
Option 2: Login Using Net Banking Details
- Open the app
- Enter Net Banking username & password
- Login successfully
Forgot YONO SBI Password or MPIN?
Reset MPIN
- Open YONO SBI app
- Tap Forgot MPIN
- Enter registered mobile number
- Verify OTP
- Set new MPIN
Reset Login Password
- Use the Forgot Password option in the app
- Or reset via SBI Net Banking website
YONO SBI vs SBI Net Banking
| Feature | YONO SBI | SBI Net Banking |
|---|---|---|
| Platform | Mobile app | Website |
| Login | MPIN / Password | Username & Password |
| UPI | Yes | No |
| Shopping & loans | Yes | Limited |
| Best for | Daily mobile banking | Detailed banking tasks |
Common YONO SBI Problems & Solutions
1. App Not Opening / Crashing
- Update the app
- Clear cache
- Check internet connection
2. OTP Not Received
- Ensure mobile number is linked
- Check network signal
- Retry after a few minutes
3. Login Failed
- Recheck MPIN/password
- Reset credentials
- Try login via net banking option
YONO SBI Security Tips
- Never share OTP or MPIN
- Lock your phone with PIN or biometrics
- Log out if using someone else’s device
- Download the app only from official app stores
YONO SBI FAQs
Is YONO SBI free to use?
A. Yes, the app is free for SBI customers.
Can I use YONO SBI without net banking?
A. Yes, you can register directly using your account details.
Can I use YONO SBI on two phones?
A. Usually, one registered device is allowed at a time.
Is YONO SBI safe?
A. Yes, it uses multiple security layers like OTP and MPIN.
Conclusion
YONO SBI truly lives up to its name—You Only Need One app for most of your SBI banking needs. From balance checks to UPI payments and investments, it simplifies banking into a single mobile experience.
