SBI Mobile Banking

Last Updated : May 6, 2025, 3:43 p.m.

SBI Mobile Banking is a digital banking service provided by the State Bank of India (SBI), India’s largest public sector bank, enabling customers to perform a wide range of financial and non-financial transactions conveniently through their smartphones. Available primarily through the YONO SBI and YONO Lite apps, SBI Mobile Banking offers a secure, user-friendly platform to manage accounts, transfer funds, pay bills, invest, and access lifestyle services anytime, anywhere.

SBI Mobile Banking empowers customers with a robust, all-in-one platform to manage their finances efficiently while offering lifestyle conveniences.

Read on to know more about how you can use SBI mobile banking and get the maximum benefits.

Types of SBI Mobile Banking

Below is a table that shows the application names for SBI mobile banking, their key features and the methods to access them -

SBI Mobile Banking Registration

​​To register for State Bank of India (SBI) mobile banking using the YONO SBI or YONO Lite app, follow these steps:

Online Registration via YONO SBI/YONO Lite App

1. Download the App:
   • Install the YONO SBI or YONO Lite app from the Google Play Store (Android 6.0+) or Apple App Store (iOS 11.0+). Ensure you download it from official sources.
2. Open the App:
   • Launch the app and select “New User Registration” or “Register”.
3. Choose Registration Method:
   • With Internet Banking Credentials (if already registered for SBI Net Banking):
     1. Click “Yes” for “Do you have Internet Banking activated?”
     2. Enter your Internet Banking User ID and Password.
     3. Receive an OTP on your registered mobile number, enter it, and set a 6-digit MPIN for quick login.
     4. Complete registration and log in with your MPIN or biometric authentication (if enabled).
   • With Debit Card (ATM Card) (for users without Internet Banking):
     1. Click “No” for “Do you have Internet Banking activated?”
     2. Select “Register for YONO with my ATM Card”.
     3. Enter your Account Number and CIF Number (found in your passbook or bank statement).
     4. Provide your Debit Card number and PIN.
     5. Receive an OTP on your registered mobile number, enter it, and submit.
     6. Set a 6-digit MPIN and confirm it.
4. Activate Mobile Banking:
   • Send an SMS with “MBSREG” to 9223440000 or 567676 from your registered mobile number to receive a User ID and default MPIN.
   • Log in to the app using the received User ID and default MPIN.
   • Accept the terms and conditions, then change the default MPIN to a new 6-digit MPIN of your choice.
5. Complete Registration:
   • After setting the new MPIN, you’ll receive a confirmation SMS indicating successful activation.
   • Log in to access services like balance inquiries, fund transfers, bill payments, and more.

Process to Login SBI Mobile Banking App

To log in to the State Bank of India (SBI) mobile banking app, YONO SBI or YONO Lite, follow these steps:

Steps to Log In

1. Open the App:
   • Launch the YONO SBI or YONO Lite app on your smartphone. Ensure it’s downloaded from the Google Play Store (Android 6.0+) or Apple App Store (iOS 11.0+).
2. Select Login Option:
   • On the app’s home screen, choose “Login” or “Existing User”.
3. Enter Credentials:
   • Using User ID and MPIN:
     • Input your User ID (provided during registration, typically your CIF Number or as received via SMS).
     • Enter your 6-digit MPIN (Mobile Personal Identification Number) set during registration.
   • Using Biometrics (if enabled):
     • If you activated biometric authentication (fingerprint/face ID) during registration, use your fingerprint or face scan to log in.
4. Authenticate (if prompted):
   • For first-time login, high-value transactions, or added security, you may need to verify with an OTP sent to your registered mobile number.
   • Enter the OTP to proceed.
5. Access Dashboard:
   • After successful authentication, you’ll be directed to the app’s dashboard, where you can access services like balance inquiries, fund transfers (UPI, IMPS, NEFT, RTGS), bill payments, m-Passbook, and more.

SBI Whatsapp Mobile Banking

State Bank of India (SBI) offers WhatsApp Banking services, allowing customers to perform basic banking activities through WhatsApp. This service is user-friendly and requires no app installation beyond WhatsApp itself.

Save SBI’s WhatsApp Number:
Save this number: +91 90226 90226 in your contacts.

Send a Message:
Open WhatsApp and send “Hi” to that number.

Register (if not already):
If you're not registered, you'll receive a message to send an SMS:

• Type WAREGAccount Number
• Send it to 7208933148 from your registered mobile number.

Once registered, return to WhatsApp and send “Hi” again to start using the service.

Benefits of SBI Mobile Banking

Some benefits of SBI mobile banking are as follows -

• Manage your finances anytime, anywhere, without needing to visit a branch or ATM.
• Perform a wide range of transactions, including fund transfers (UPI, IMPS, NEFT, RTGS), bill payments, mobile recharges, fixed deposit opening, and ticket booking (IRCTC, flights).
• Instantly check balances, view transaction history via m-Passbook, or transfer funds in real-time, saving time compared to traditional banking.
• Uses secure features like 6-digit MPIN, biometric authentication (fingerprint/face ID), and OTP-based verification to protect your transactions.
• Intuitive app design with biometric login and multilingual support, making it accessible for all users, including beginners.
• Access value-added services like online shopping, mutual fund investments, insurance payments, and pre-approved loans directly through the app.

Uses of SBI Mobile Banking App

Key Uses of SBI Mobile Banking App are given below -

1. Account Management:
   • Check account balance for Savings, Current, or other linked accounts.
   • View transaction history via the m-Passbook feature.
   • Download detailed account statements.
2. Fund Transfers:
   • Transfer money within SBI accounts or to other banks via UPI, IMPS, NEFT, or RTGS.
   • Set up beneficiaries for recurring transfers.
   • Pay credit card bills or loan EMIs.
3. Bill Payments and Recharges:
   • Pay utility bills (electricity, water, gas, broadband, etc.).
   • Recharge mobile phones, DTH services, or data cards.
   • Pay insurance premiums or subscription fees.
4. Investment and Deposits:
   • Open and manage Fixed Deposits (FD) or Recurring Deposits (RD).
   • Invest in mutual funds or government schemes like PPF and Sukanya Samriddhi.
   • Purchase or manage e-SBIs (SBI’s electronic savings bonds).
5. Loan and Credit Card Services:
   • Apply for pre-approved personal loans, home loans, or car loans.
   • Check loan eligibility and track application status.
   • Manage SBI credit card payments, view statements, or request limit increases.
6. Ticket Booking and Shopping:
   • Book train tickets via IRCTC integration.
   • Purchase flight tickets, bus tickets, or movie tickets.
   • Shop online through the YONO Marketplace for electronics, fashion, and more.
7. Request Banking Services:
   • Request a new chequebook or stop cheque payments.
   • Update KYC details or link Aadhaar/PAN.
   • Block or unblock debit cards in case of loss.
8. Value-Added Services:
   • Access NRI services for non-resident Indians.
   • Manage Demat accounts or trade in stocks via SBI Securities.
   • Apply for government schemes or subsidies.
9. Security and Profile Management:
   • Set or reset MPIN or Transaction Password.
   • Enable/disable biometric login (fingerprint/face ID).
   • Update personal details like email or address (subject to verification).
10. Customer Support:
    • Access FAQs or raise complaints directly in the app.
    • Locate nearby SBI branches or ATMs.
    • Connect with customer care for real-time assistance.

How to Reset the Password of SBI Mobile Banking

To reset the password (MPIN) for State Bank of India (SBI) mobile banking using the YONO SBI or YONO Lite app, follow these steps:

Steps to Reset MPIN

1. Open the App:
   • Launch the YONO SBI or YONO Lite app on your smartphone (downloaded from Google Play Store for Android 6.0+ or Apple App Store for iOS 11.0+).
2. Select 'Forgot MPIN':
   • On the login screen, tap the “Forgot MPIN” or “Forgot Login MPIN” option.
3. Enter User ID:
   • Input your User ID (typically your CIF Number, provided during registration or found in your passbook).
4. Choose Reset Method:
   • Using Debit Card:
     • Select the Debit Card option.
     • Enter your Debit Card number and PIN.
   • Using Internet Banking Credentials (if active):
     • Select the Internet Banking option.
     • Enter your Internet Banking User ID and Password.
5. Verify OTP:
   • An One-Time Password (OTP) will be sent to your registered mobile number linked to your SBI account.
   • Enter the OTP to authenticate your identity.
6. Set New MPIN:
   • Create a new 6-digit Mobile Personal Identification Number (MPIN) and confirm it.
   • You may also be prompted to reset your Transaction Password for authorizing transactions.
7. Confirmation:
   • After successful submission, you’ll receive a confirmation message or SMS indicating the MPIN has been reset.
   • Log in with the new MPIN or biometric authentication (if enabled).

Reset via Internet Banking

If you have active SBI internet banking:

1. Log in to www.onlinesbi.sbi using your internet banking credentials.
2. Go to e-Services > State Bank Freedom > Reset MPIN.
3. Verify with OTP or other credentials and set a new 6-digit MPIN.

SBI Mobile Banking Transaction Limit

The transaction limits for SBI mobile banking are given in the table below -