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YONO SBI details and review

A digital banking platform that serves as a one-stop app for all your financial and lifestyle needs.

Leaving your home with a bunch of documents and waiting for hours at a bank to open a savings account is a thing of the past with YONO SBI. Now, all you need is five minutes on your phone and you have all the banking services at your fingertips. The process of opening a digital savings account with YONO SBI is paperless and absolutely seamless.

We will go through all the details of YONO SBI and review the account so you can decide if it’s right for you.

How does YONO SBI work?

YONO, short for ‘You Only Need One’, is an integrated digital banking platform offered by the State Bank of India (SBI) that enables customers to access a wide array of financial and lifestyle services on one connected hub.

This includes a wide range of SBI’s products and services, including bank accounts, cards, mutual fund, insurance and securities. On top of all the standard banking services (e.g. money transfer, bill payments and loans), YONO SBI also offer other popular features such as online travel booking for trains, flights, and buses.

YONO SBI is available as a smartphone app for both Android and iOS, as well as a web portal. To get started, you’d first need to have an SBI bank account.

How to log into YONO SBI

If you’re a new SBI customer, make sure to compare all the available bank account options before applying online. Once your account is set up, you’d be able to log into YONO SBI and start exploring the various services. The account-linked platinum debit card will also be delivered to your registered address within a few business days.

For existing SBI account holders, simply sign in to YONO SBI with your current SBI internet banking credentials. Alternatively, you can also login using your using ATM card details.

Key features

  • Simplified banking. Sail through the intuitive and simple navigation and interface for` a delightful digital banking experience.
  • Quick pay. Transfer funds in just four clicks and also make UPI-enabled payments.
  • Online shopping. YONO SBI doubles up as an online marketplace. Shop for products, buy movie and travel tickets, subscribe for services and more.
  • Exclusive discounts. Enjoy a range of discounts and offers across a host of e-commerce merchants and get the best shopping deals.
  • YONO Cash. Withdraw money from any SBI ATM without using your card or generating a withdrawal slip using the YONO SBI platform.
  • Grow your wealth. Invest in mutual funds and securities through YONO SBI and start building and managing your portfolio.
  • Spending analysis. Receive an intelligent spending analysis to know how and where you utilise your funds and better manage your finances.
  • Organise and track spending. Use smart auto-tagging and transaction categorisations to track the flow of your finances.
  • Pre-approved loans. Avail pre-approved personal loans up to ₹1 lakh within two minutes without any documentation.

What account options are there?

YONO SBI is available to all SBI customers, regardless of which SBI bank account you hold. Here are some of the most popular accounts variants offered by SBI:

SBI offers most of its banking services for free, including a platinum/Rupay debit card when you create your bank account. There are some limits, however, to take note of.

  • The maximum limit per cash withdrawal transaction is ₹10,000.
  • The maximum cash withdrawal limit is ₹20,000 per day.
  • The minimum amount for cardless transactions is ₹500.
  • A 10-leaf cheque book is available on request at ₹40 + GST.
  • A 25-leaf cheque book is available on request at ₹75 + GST.

How to sign up

You can sign up for an SBI account digitally, either through the mobile app or the bank’s website. Either way, it only takes five minutes and the process is just as seamless. Before you do, make sure to compare your options and select the one that best suits your needs and preferences.

The eligibility criteria and required documentation may vary based on your account choice, these are typically required:

Eligibility criteria

  • At least 18 years old
  • A resident of India with an Indian residential address

Required documents

Make sure you have the following details with you when applying:

  • PAN number
  • Aadhaar number
  • Aadhaar-linked mobile number

Compare a range of digital bank accounts in India

1 - 20 of 21
Name Product Mobile view digital banks Monthly Account Service Interest Average Monthly Balance (AMB) Fund Transfer
Kotak 811 Digital Bank Account
  • Monthly Account Service

    ₹0

  • Interest

    Up to 4% p.a.
  • Average Monthly Balance (AMB)

    ₹0
  • Fund Transfer

    IMPS

₹0
Up to 4% p.a.
₹0
IMPS
Access essential banking services such as NEFT / IMPS transfers and virtual debit card payments, without having to complete a full KYC verification.
AU Bank ABHI Savings Account
AU Bank ABHI Savings Account
  • Monthly Account Service

    ₹0

  • Interest

    Up to 7% p.a.
  • Average Monthly Balance (AMB)

    ₹0
  • Fund Transfer

    IMPS, NEFT, RTGS

₹0
Up to 7% p.a.
₹0
IMPS, NEFT, RTGS
The AU ABHI Savings Account offers rates of up to 7% with fee-free fund transfers, monthly interest payout options, and a virtual debit card amongst other benefits.
Equitas Bank Savings Account
Equitas Bank Savings Account
  • Monthly Account Service

    ₹0

  • Interest

    Up to 7% p.a.
  • Average Monthly Balance (AMB)

    ₹0
  • Fund Transfer

    IMPS, NEFT, RTGS

₹0
Up to 7% p.a.
₹0
IMPS, NEFT, RTGS
The Equitas Regular Savings account comes with no maintenance charge, attractive reward points, and a 7% p.a. interest for amounts above Rs 5 lakhs and up to 2 crores.
Indus Delite
  • Monthly Account Service

    ₹0

  • Interest

    Up to 6% p.a.
  • Average Monthly Balance (AMB)

    ₹0
  • Fund Transfer

    N/A

₹0
Up to 6% p.a.
₹0
N/A
Receive a rewards-packed Platinum Plus debit card with this zero balance savings account and benefit from attractive cashback, deals, complimentary insurance, and more.
Axis Bank EASY ACCESS Savings Account
  • Monthly Account Service

    ₹10

  • Interest

    Up to 3.5% p.a.
  • Average Monthly Balance (AMB)

    ₹10,000
  • Fund Transfer

    IMPS, NEFT, RTGS

₹10
Up to 3.5% p.a.
₹10,000
IMPS, NEFT, RTGS
This interest-bearing account offers coverage for personal accident and lost card liability, allowing you to save and spend with peace of mind.
Axis Bank PRIMESavings Account
  • Monthly Account Service

    ₹10

  • Interest

    Up to 3.5% p.a.
  • Average Monthly Balance (AMB)

    ₹25,000
  • Fund Transfer

    IMPS, NEFT, RTGS

₹10
Up to 3.5% p.a.
₹25,000
IMPS, NEFT, RTGS
Meet your everyday banking needs and more. Enjoy features such as enhanced transaction limit, purchase protection, and other exclusive lifestyle privileges.
ICICI Bank Insta Save Account
ICICI Bank Insta Save Account
  • Monthly Account Service

    ₹0

  • Interest

    N/A
  • Average Monthly Balance (AMB)

    ₹10,000
  • Fund Transfer

    IMPS, NEFT, RTGS, UPI

₹0
N/A
₹10,000
IMPS, NEFT, RTGS, UPI
The ICICI Bank Insta Save Account is a completely digital savings account with 24x7 online access to all its banking facilities, along with exciting rewards and benefits.
Open Startup
Open Startup
  • Monthly Account Service

    ₹500

  • Interest

    N/A
  • Average Monthly Balance (AMB)

    ₹0
  • Fund Transfer

    IMPS, NEFT, RTGS, UPI

₹500
N/A
₹0
IMPS, NEFT, RTGS, UPI
Enjoy a full suite of business banking features, including automated bookkeeping, low commissions, access to developer APIs, and more.
Digibank Savings Account
  • Monthly Account Service

    ₹0

  • Interest

    Up to 4% p.a.
  • Average Monthly Balance (AMB)

    ₹5,000
  • Fund Transfer

    IMPS, NEFT, RTGS, UPI

₹0
Up to 4% p.a.
₹5,000
IMPS, NEFT, RTGS, UPI
Benefit from competitive interest rates, spend analytics and effortless payments with this fully digital savings account.
Slice card
Slice card
  • Monthly Account Service

    ₹0

  • Interest

    N/A
  • Average Monthly Balance (AMB)

    ₹0
  • Fund Transfer

    UPI

₹0
N/A
₹0
UPI
Benefit from cashback, no-cost EMIs features and more with Slice’s free Visa debit card. Available in both physical and virtual form
YES Bank Savings Account PRO Max
YES Bank Savings Account PRO Max
  • Monthly Account Service

    ₹0

  • Interest

    Up to 5.5% p.a.
  • Average Monthly Balance (AMB)

    ₹75,000
  • Fund Transfer

    IMPS

₹0
Up to 5.5% p.a.
₹75,000
IMPS
This account provides premium banking benefits, including high transaction limits and discounted asset pricing, and puts all your finances at your fingertips.
Jupiter Account
  • Monthly Account Service

    ₹0

  • Interest

    Up to 2.5% p.a.
  • Average Monthly Balance (AMB)

    ₹0
  • Fund Transfer

    IMPS, NEFT, RTGS, UPI

₹0
Up to 2.5% p.a.
₹0
IMPS, NEFT, RTGS, UPI
Take control of your finances with advanced spend analytics, live insights and more. Earn 1% cashback on all purchases with a free debit card.
Axis Bank BURGUNDY Savings Account
  • Monthly Account Service

    ₹0

  • Interest

    Up to 3.5% p.a.
  • Average Monthly Balance (AMB)

    ₹0
  • Fund Transfer

    NEFT

₹0
Up to 3.5% p.a.
₹0
NEFT
A personal banking account that comes with premium features such as 24/7 concierge service, complimentary airport access and exclusive privileges.
Walrus Debit Card
Walrus Debit Card
  • Monthly Account Service

    ₹0

  • Interest

    N/A
  • Average Monthly Balance (AMB)

    ₹0
  • Fund Transfer

    UPI

₹0
N/A
₹0
UPI
This contactless debit card is offered by Walrus, a digital banking and payments app that comes with convenient on-the-go money management features.
Airtel Rewards123
Airtel Rewards123
  • Monthly Account Service

    ₹25

  • Interest

    Up to 2.5% p.a.
  • Average Monthly Balance (AMB)

    ₹500
  • Fund Transfer

    N/A

₹25
Up to 2.5% p.a.
₹500
N/A
The Rewards123 account is a digital savings account that offers exciting cashbacks and rewards on every spend made using the account.
Payzello
  • Monthly Account Service

    ₹0

  • Interest

    N/A
  • Average Monthly Balance (AMB)

    ₹5,000
  • Fund Transfer

    IMPS

₹0
N/A
₹5,000
IMPS
Benefit from a host of banking and payments features, plus a three-in-one smart card with integrated debit, credit and forex functionalities.
IPPB Digital Savings account
  • Monthly Account Service

    ₹0

  • Interest

    Up to 2.5% p.a.
  • Average Monthly Balance (AMB)

    ₹0
  • Fund Transfer

    IMPS, NEFT, RTGS

₹0
Up to 2.5% p.a.
₹0
IMPS, NEFT, RTGS
Take control of your finances and access essential banking services digitally with this zero balance account.
Niyo IDFC First Savings Account
Niyo IDFC First Savings Account
  • Monthly Account Service

    ₹0

  • Interest

    Up to 6% p.a.
  • Average Monthly Balance (AMB)

    ₹0
  • Fund Transfer

    IMPS, NEFT, UPI

₹0
Up to 6% p.a.
₹0
IMPS, NEFT, UPI
Get everything you need to manage finances and more, including a free platinum debit card, 0% forex markup and effortless investment tools.
HDFC Bank Instant Savings
  • Monthly Account Service

    ₹0

  • Interest

    Up to 2% p.a.
  • Average Monthly Balance (AMB)

    ₹0
  • Fund Transfer

    N/A

₹0
Up to 2% p.a.
₹0
N/A
Choose and open a new HDFC savings account instantly at the comfort of your home. All you need is a valid mobile number, Aadhaar, and PAN details to get started.
Axis Bank PRIORITY Savings Account
  • Monthly Account Service

    ₹0

  • Interest

    Up to 3.5% p.a.
  • Average Monthly Balance (AMB)

    ₹200,000
  • Fund Transfer

    NEFT

₹0
Up to 3.5% p.a.
₹200,000
NEFT
Enjoy personalised banking services with this priority savings account. Benefit from locker discounts, reward points and more.
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