State Bank of India customers can use SBI mobile banking apps to enjoy banking services anytime and anywhere through their smartphones. These applications simplify your banking tasks and eliminate the need to visit the nearest SBI branch.
The SBI phone banking applications are:
SBI YONO
BHIM SBI Pay
Any account holder can avail of these services without any additional irrespective of the telecom service provider being used.
Here are some of the features you can avail of by SBI mobile banking using WAP/App:
1. Banking Activities: With SBI phone banking, you can perform various banking tasks from the comfort of your home. These include:
Balance inquiry
Funds transfer
Mini statement request
Demat inquiry
Opening and closing of FDs and RDs, etc.
2. Bill Payments: SBI mobile banking application also allows you to make payments using your smartphone. For instance, you can avail of:
Immediate Payment Service (IMPS)
Merchant payments through M-commerce.
DTH and mobile recharge
Payment for SBI Life Insurance premium
Railway ticket booking
3. SMS: You can also avail of SBI mobile banking services via SMS. However, you have to be a current and savings account holder of State bank of India. All you have to do is send an SMS with a corresponding keyword for a particular service.
The service is free of charge. However, SMS fees may apply when you use this service.
4. USSD (Unstructured Supplementary Service Data): You can also use mobile banking services over USSD by dialling *595#. However, this service is not available for CDMA users.
ON THIS PAGE: How to Register? | Apps | Login Process | Services Available | Benefits | FAQs
If you still need to register for the SBI mobile banking facility, follow the below-mentioned steps to complete the SBI mobile banking registration process online.
Type ‘MBSREG’ and send it as an SMS to either of the numbers: 9223440000 or 567676.
Then, you will receive a User ID and default mPIN as a reply.
SBI will send another SMS with a link to download the application.
Download the app from Google Play Store or Apple App Store.
Log in with your user ID.
After logging in, you can change the default mPIN to a new mPIN of your choice. This is the best way for SBI mobile banking registration online.
Locate the nearest SBI ATM.
Visit there and swipe your debit card.
Select the ‘Mobile Registration’ option.
Enter the mobile number you have registered with SBI.
After the number is verified, you will receive a message confirming SBI mobile banking activation.
Once the link is activated, you can enjoy the SBI mobile banking services offered.
Visit your SBI Home branch.
Fill up the registration form.
After providing all the necessary details, the bank will activate your mobile banking services. You can use this service if you want SBI mobile banking without an ATM card.
Here is a list of SBI phone banking apps along with their respective features you can download on your phone for convenient banking:
App Name |
Features |
SBI Anywhere |
Bill payments, voice-assisted transactions, UPI, recharge, fund transfers, manage debit cards |
YONO SBI |
View account balance, YONO pay, eDeposits, manage credit or debit cards, check loan availability, link or buy insurance, create an investment portfolio, check new funds offer, invest in mutual funds |
SBI Rewardz |
View or redeem rewards, browse exclusive offers |
BHIM SBI Pay |
Easy or instant payments, exclusive deals |
SBI Secure OTP |
Verify online transactions |
SBI Card |
Register for online SBI card account, view transaction history, account summary, card statement, etc., avail balance transfer on EMI, Flexipay instalments, redeem rewards |
Here is the process of registration for YONO SBI mobile banking and BHIM SBI Pay.
Visit Google Play Store or Apple App Store and download the SBI YONO app
Install it, and if you have internet banking activated, click ‘Yes’
Enter your internet banking User ID and Password to access the YONO app
If you want YONO SBI registration without internet banking, click ‘No’
Select ‘Register for YONO with my ATM Card’
Type in your CIG and account numbers in the fields provided
Enter the OTP sent to your registered SBI mobile banking number
Click on Submit and enter your ATM card number and ATM PIN to generate a username and password for SBI YONO login mobile banking
Download and install BHIM SBI Pay from Google Play Store or Apple App Store
After launching, the bank will authenticate it with an SMS-based mobile verification
Choose a preferred Virtual Payment Address or VPA
Enter your name and email ID
Answer the chosen security question
Confirm the details shown
Click on the ‘Next’ button. The details will be submitted to the UPI engine for registration
Proceed to select the bank account and click on the ‘Register’ button. Now, this app will be activated for SBI mobile internet banking
Follow the below mentioned steps for logging in to any SBI mobile banking apps.
Download the SBI Mobile App of your choice on your phone.
Enter your username and password.
Click ‘Submit’ to login to your SBI mobile banking account.
If you are a new user, click on ‘New User Registration’ to complete the process.
Here are the services you can avail using SBI YONO mobile banking and other mobile banking apps.
View account summary
Open eDeposits
Access mPassbook
Update online nomination
Get/cancel MMID
Recharge DTH, mobile, etc.
Merchant Payments
View SBI mobile banking statement
Request new cheque book
Submit Form 15G/15H
SBI Life Insurance premium
Manage/schedule monthly bills
Railway ticket booking
Other banking services
Except for the second and fourth Saturdays, Sundays, and holidays, NEFT functions in half-hourly batches from 8 AM to 7 PM every day.
Transaction |
Charges |
Up to ₹10,000 |
₹2.50 |
Up to ₹1 Lakh |
₹5 |
Above ₹1 Lakh to ₹2 Lakh |
₹15 |
Above ₹2 Lakh |
₹25 |
RTGS functions at all times except between 11:50 PM to 12:30 PM. The SBI RTGS charges are given below.
Settlement Timings |
Transaction |
Charges |
9:00AM to 12:00PM |
₹2 lakh to ₹5 lakh |
₹25 |
Above ₹5 lakh |
₹51 |
|
12:00PM to 3:30PM |
₹2 lakh to ₹5 lakh |
₹26 |
Above ₹5 lakh |
₹52 |
|
3:30 PM to 4:30PM (Weekdays) |
₹2 lakh to ₹5 lakh |
₹31 |
Above ₹5 lakh |
₹56 |
Note that SBI IMPS services are available throughout the day. However, you can add only one beneficiary in a day. It will be activated after 4 hours if you have added the beneficiary between 6 AM and 8 PM. The beneficiary will only be activated the next day if added after 8 PM.
The IMPS charges in SBI online banking is given below.
Amount |
IMPS Charges |
₹1,00,000 to ₹2,00,000 |
NIL |
Check the SBI IMPS transfer limit below.
Activity |
SBI IMPS Transfer Limit |
Within 4 days of activation of a beneficiary |
Up to ₹1 lakh |
After 4 days of activation of a beneficiary |
Up to ₹2 lakh |
SBI mobile banking facilities offer many benefits that you can enjoy, such as:
You can perform banking functions without having to visit the bank. It brings the bank closer to you, just a few taps on your phone away.
The entire process is secure and safe.
You can access this service if you have an active current or savings bank account.
There are no additional charges. However, standard SMS charges will apply.
It is very important for users to note that they must change their MPIN once they have logged in using their username and MPIN. Follow these quick steps below to do so:
Step 1: To change MPIN via WAP, head to the SBI online portal on your smartphone
Step 2: On your mobile browser, enter the SBI mobile banking credentials like ‘username and password’ to log in
Step 3: Once you are logged in, from the menu on the screen select the tab ‘settings’
Step 4: Here you have to enter the old MPIN and the new MPIN
Step 5: You will receive a confirmation SMS stating that your MPIN has been changed
There are some security measures you must be aware of if you are using SBI Freedom. They are as follows:
If your smartphone is stolen, lost, or misplaced, you need not worry, as your account is safe. This is because no information is saved on either the mobile phone or the SIM card.
You can still reach out to the customer service team and report your lost or stolen phone and deactivate your IPIN
If the IPIN is entered incorrectly a number of times, SBI automatically blocks the IPIN
Here are the dos and don’ts you should take care of, while you are on the internet for SBI phone banking.
Always make sure you have a strong password by including special characters in it.
Change your password from time to time to keep it secure.
Log out each time you are done with your SBI mobile banking session.
Report to the bank in case the mobile handset is stolen.
Do not share your SBI mobile banking password with anyone.
Do not divulge any information that you have shared or saved on the SBI mobile app or on any other app/website.
Now you must have an idea of what SBI mobile banking is and how you can start availing the services using it. SBI offers different SBI credit cards, SBI SMS Banking and various other banking facilities. You could start browsing through the SBI credit card section and apply for an SBI credit card on the Bajaj Markets. Enjoy exciting offers and discounts each time you make a transaction!
A customer can register for SBI mobile banking in four ways. These are registration using a mobile handset, at SBI ATM, by visiting SBI branch or SBI mobile banking registration process online at OnlineSBI.
SBI Yono is a popular SBI phone banking app. It covers a range of services such as fund transfer, bill payments, credit/debit card managements, buying new insurance, investing in mutual funds etc.
A customer can activate SBI YONO mobile banking facility by downloading the SBI Yono App on your mobile phone. Now, enter your internet banking username and password to activate YONO mobile banking.
In case you do not have an active internet banking account with SBI, activate YONO SBI by choosing ‘Register for YONO with my ATM card’. Next, you must enter the CIG Number and SBI account number to initiate the process. Enter OTP sent to the registered mobile number.
And lastly, enter SBI ATM card number and PIN to generate a unique username and password and complete the registration.
SBI mobile banking facilities have many prime benefits which a customer can enjoy. It gives you the freedom to do banking anytime and anywhere through your phone.
Moreover, any SBI customer with an operating savings bank or current account can avail this facility. The process is easy, safe, secure and free of charge.
mPIN is the abbreviation of Mobile Banking Personal Identification Number. It is a unique passcode with 6 digits that you have to enter every time you carry out a transaction. Using mPIN, the customers can avoid entering IFS codes or other details each time they want to send or receive money.
SBI mPIN is a unique passcode that you have to enter every time you carry out a transaction.
To reset it, log in to your SBI mobile banking account using user ID and mPIN. Select the ‘Settings’ option and click on ‘Change mPIN’. Then, enter the old mPIN and type in the new mPIN. Confirm the new mPIN and click on ‘Change’.
The SBI Mobile Banking app can be activated through your smartphone, SBI ATM, SBI Bank Branch, and Online net Banking portal.
In the personal banking section on the SBI net banking portal, click the New User Registration link. Here you are asked to create a permanent username and password. Then, re-enter the password to confirm. Finally, click on ‘Submit’ to complete the transaction.