SBI Mobile Banking simplifies banking processes, enhancing a secure and easy access method to your accounts anytime and anywhere with your mobile device. You can use a multitude of options online and offline like SBI YONO apps, WhatsApp banking, missed call features and sms features, etc., as per your need.
The SBI mobile banking is backed up with top-of-the-line secure connections, along with a strong focus on a user-friendly approach for the customers. Read on to learn more about the SBI mobile banking methods, the YONO app, its features and how to make the best use of these.
SBI Mobile Banking enables customers to manage accounts via smartphones using the SBI YONO App or YONO Lite SBI. Services include fund transfers, mini-statements, bill payments, and more. They also provide SMS services
Registration Process for SBI Mobile Banking
To access SBI Mobile Banking, users must have their registered mobile number active.
Mobile banking services like SMS and WhatsApp features don’t require separate registration. However, for SBI YONO and YONO Lite applications, the user must be registered with the bank.
SBI YONO Mobile Application
Here is a generic guide on how to register your SBI account with the SBI YONO app or YONO Lite SBI. Both apps support instant account linking after authentication and mobile number verification.
- Download the SBI mobile app (YONO or YONO Lite) from the Play Store or App Store.
- Open the app and select ‘Let’s get started’.
- Allow permissions and choose the SIM that has your registered mobile number.
- Provide permission to read SMS, as your OTP will be fetched by the app itself.
- Add your account details and date of birth.
- You can use your existing internet banking credentials to log in to the app. Alternatively, you can also use your debit card details.
- Verify with the OTP.
- Acknowledge and accept all the terms and conditions.
- Set an MPIN for your mobile application. The mPIN is your Mobile Personal Identification Number, offering an added layer of security on app login as well as money transfers.
SBI SMS Mobile Banking Registration
SBI offers a mobile banking registration feature via SMS for its customers.
To use this feature, send the SMS ‘REG<space>account number’ to 9223488888 from your registered mobile number.
You will receive an mPIN to log in to the mobile application along with your credentials, using which you can log in to the YONO app. Make sure you change the mPIN later.
SBI WhatsApp Mobile Banking Feature
To register for the SBI WhatsApp Mobile Banking feature, you can use one of the three simple methods:
| Direct Message | Send ‘Hi’ to +91 90226 90226 |
| QR Code | Scan from SBI’s website and send ‘Hi’ as prompted |
| SMS | Send WAREG <Account Number> to +91 72089 33148 |
After you complete the registration, you will receive a message via WhatsApp. You must confirm and initiate the service through WhatsApp.
- Send “Hi” from your WhatsApp number to +919022690226.
- Follow the instructions provided by the chatbot to access various banking services
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SBI Mobile Banking Activation
You can use various methods to activate your SBI mobile banking. These include methods like
1. SBI Mobile Banking Activation Via SMS
From your mobile number registered with SBI, send an SMS with the text ‘MBSREG’ to 9223440000 or 567676.
You will receive an SMS containing your User ID and a default 6-digit MPIN.
Once you have registered using the SMS feature, your SBI SMS mobile banking will be activated.
2. SBI Mobile Banking Activation Via SBI ATM (Final Activation/Registration):
Here is how you can activate your mobile banking through an ATM:
- Visit any SBI ATM.
- Insert your SBI Debit Card.
- Enter your PIN number.
- Select the ‘Mobile Registration’ option.
- Choose ‘Mobile Banking Registration’.
- Enter and confirm your registered mobile number.
- Choose the option ‘Yes’ and collect the transaction slip.
You will receive a transaction slip confirming the registration and an SMS indicating the successful activation of your account for the Mobile Banking Service.
After this, you can typically use your User ID and MPIN to log into mobile banking applications like YONO or YONO Lite.
3. SBI Mobile Banking Activation Via SBI Branch (Comprehensive Registration/Activation):
- Visit your SBI Home Branch (the branch where you opened your account).
- Request the ‘Mobile Banking Registration Form’ from the customer service desk.
- Fill out the form completely, providing your account details and the mobile number you wish to link.
- Submit the form along with any required identification proof (as requested by the branch staff).
The branch will process your request, and your mobile banking services will be activated directly. They may also provide you with a User ID and initial mPIN or instruct you on how to obtain them.
This is the most comprehensive method, especially if you face issues with other methods. You can also log in to your account right away in the app with the assistance of the bank staff.
4. SBI Mobile Banking Activation Via Net Banking
You must have an active SBI Internet Banking account (with full transaction rights) for this method to be effective.
- Log in to the official SBI Internet Banking portal (retail.onlinesbi.sbi).
- Navigate to the ‘e-Services’ section.
- Look for and select ‘State Bank Freedom’ (this is the name of SBI’s core mobile banking service).
- Choose the ‘Registration’ option.
- A list of your linked accounts will be displayed. Select the account for which you want to enable mobile banking.
- Follow the on-screen prompts to confirm and complete the registration.
Steps to Use SBI Mobile Banking
Once activated, SBI mobile banking apps offer easy navigation and access to a wide range of features. Users can leverage this advantage to have a smooth mobile banking experience.
SBI YONO Mobile Banking
Here is a step-by-step guide to SBI mobile banking:
- Open the YONO mobile app.
- Log in with MPIN/User ID & password/biometrics.
- You will be able to go through services like
- ‘Accounts’
- ‘Deposits’
- ‘Loans’
- ‘Investments’
- ‘Insurance’
- ‘Cards’
- ‘Yono pay’
- ‘Yono cash’
- ‘Bill Payment’
- ‘Shop and Order’
- ‘Mobility’
- ‘Train Ticket’
- ‘UPI’
- ‘SBI rewards’
- ‘Service Request’
- ‘Customer Support’
- Log out securely after use
SBI Missed Call and SMS Service
Here is a list of functions available using the SBI missed call and SMS services:
| Service | Action | Number |
|---|---|---|
| Mobile Banking Registration | SMS REG <space> Account Number | 7208933148 |
| Balance Enquiry | Give a missed call or SMS BAL | 09223766666 |
| Mini Statement | Give a missed call or SMS MSTMT | 09223866666 |
| Block ATM Card | SMS Block <space> XXXX (last 4 digits of card) | 567676 |
| Car/Home Loan Info | SMS Car or Home | 567676 / 09223588888 |
| Full List of Services | SMS Help | 09223588888 |
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To use the SBI SMS Mobile banking functionality, simply send an SMS with the prompt to the respective number for your desired function.
For example, if you want to know your balance, send an SMS with the prompt ‘BAL’ to the number 9223766666 or make a call, which will disconnect automatically after a few rings.
SBI WhatsApp Banking
You can continue to use the same prompt and number used for registration and choose the option that appears to find your queries answered.
i.e.,
- Send “Hi” from your WhatsApp number to +919022690226.
- Follow the instructions provided by the chatbot.
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Features and Benefits of SBI Mobile Banking
SBI mobile banking includes methods such as
- SBI YONO mobile and YONO Lite banking applications.
- SBI Quick – Missed Call and SMS banking services
- YONO business
- Whatsapp services
- SBI Pay
- SBI secure OTP
SBI mobile banking offers a secure, convenient, and fast way to manage accounts. The apps are backed by real-time data sync, two-factor authentication, and regular security updates.
Furthermore, methods like missed call service, SMS enquiries and WhatsApp features offer simple and quicker solutions for immediate services.
Key Features include
- Account Balance, Full Statement and mini statement
- Fund Transfers (IMPS, NEFT, RTGS, UPI)
- Bill Payments & Recharges
- ATM/Debit Card Management
- Cheque Book Services
- Fixed & Recurring Deposit Management
- Loan Applications & Information
- Investment Services (Mutual Funds, PPF)
- Online Account Opening
- Emergency Services & Branch/ATM Locator
- Change the SBI-registered mobile number and email
- Change mPIN
YONO & YONO Lite App Features
Although the SBI Mobile banking services include numerous methods, the mobile banking applications like YONO and YONO Lite stand out, as they provide complete and comprehensive access to all banking needs.
Both the YONO SBI app and YONO Lite SBI are official mobile platforms by the State Bank of India, offering overlapping yet distinct features based on user needs.
Here is a basic comparison between the two:
| Feature | YONO SBI App | YONO Lite SBI |
|---|---|---|
| Account Access | Yes | Yes |
| Fund Transfers (UPI/NEFT/RTGS) | Yes | Yes |
| Investment Services | Yes | No |
| Loan Application | Yes | No |
| Lifestyle Offers | Yes | No |
| Light Data Usage | No | Yes |
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YONO Lite is lighter, works well on weaker devices and slower networks, while YONO SBI provides integrated banking, lifestyle advancements, and a cleaner interface.
Limits and Charges of Transactions in SBI Mobile Banking
Understanding limits helps users plan transactions better. SBI mobile banking supports various services with daily transaction ceilings and nominal or zero charges.
The charges are as follows:
Fund Transfers (IMPS, NEFT, RTGS, UPI): Free
YONO Cash (Cardless Withdrawal – ATM/POS/CSP): Free
Various transaction limits are as follows:
| Mode | Limit Type | Amount / Restriction |
|---|---|---|
| UPI | Per Transaction Limit | ₹1,00,000 |
| Daily Transaction Limit | ₹1,00,000 (across all UPI apps linked to SBI) | |
| New Users / UPI PIN Reset Limit | ₹5,000 per txn, ₹5,000 total (24 hrs Android / 5 days iOS) | |
| IMPS | Per Transaction Limit | Up to ₹5,00,000 |
| Daily Transaction Limit | Up to ₹25,00,000 | |
| New Beneficiary (First 4 days) | The cumulative limit of approx. ₹1,00,000 | |
| NEFT | Minimum Transaction Limit | No minimum limit |
| Maximum Transaction Limit | No declared upper limit (usually matches net banking limits) | |
| RTGS | Minimum Transaction Limit | ₹2,00,000 |
| Maximum Transaction Limit | No declared upper limit | |
| Quick Transfer (No Beneficiary) | Per Transaction Limit | ₹50,000 |
| Daily Limit | ₹50,000 | |
| YONO Cash (Cardless Withdrawal) | ATM Limit per Transaction | ₹20,000 |
| POS Limit per Transaction | ₹2,000 | |
| CSP Limit per Transaction | ₹10,000 | |
| Cumulative Daily Limit (all modes) | ₹20,000 | |
| Max Transactions per Day | 2 (ATM) and 2 (POS) |
All limits are configurable within the app settings under the transaction profile.
SBI YONO App (and YONO Lite) generally does not directly support initiating outward international fund transfers in the same way as SBI net banking.


