How to Register and Use the YONO SBI App: A Comprehensive Guide

The YONO SBI app is a revolutionary tool designed to make banking easier and more accessible for SBI (State Bank of India) customers. This article provides a comprehensive guide on how to register and use the YONO app, along with its extensive features and services. Whether you are an existing SBI customer or a new user looking to open an account, this guide will help you navigate through the entire process smoothly.

Step-by-Step Guide to Registering for the YONO SBI App

1. **Step 1: Logging into the YONO SBI App**
Begin by downloading the YONO app from the Google Play Store and installing it on your smartphone. Once installed, open the app and proceed to log in using your SBI net banking credentials.

2. **Step 2: Registration Process**
You have two options to register your account: through internet banking or by entering your account details. Follow the on-screen instructions to complete the registration quickly and efficiently.

3. **Step 3: Inputting Account Details**
Enter your account details including your ATM card number and ATM PIN. After entering these details, click on the 'Submit' button to finalize the registration process.

Additional Features and Services Available Through YONO SBI App

Through the YONO SBI app, you can perform a wide array of banking activities and utilize various other features:

Recharging: Top up various services or pay bills directly from your phone. Cinema, Bus, and Food Booking: Order tickets for movies or buses, and book restaurant tables without any hassle. Online Marketing: Market your products or services online through multiple platforms. Credit Cards: Apply for and manage credit cards through the app. Lifetime Insurance and Mutual Funds: Invest in the safety of your financial future through various insurance and fund options.

The YONO app is truly a fantastic solution for all your daily banking and non-banking needs. It offers convenience and efficiency in an easy-to-navigate interface.

Eligibility Criteria and Process for Opening a Digital Savings Account

To open a digital savings account through the YONO app, you must meet certain eligibility criteria:

Resident Indians above 18 years of age, who are literate and able to sign uniformly. Proof of Identity (PoI) such as Aadhaar card, driver's license, or passport and Proof of Address (PoA) such as Aadhaar card, voter ID card, passport, or driving license must be in your name. Current or mobile phone is mandatory, with an email address being optional. If provided, your email will be verified using OTP.

Only new customers to the bank can apply for an account through the YONO app. The process is as follows:

Process Flow

Step 1: Applying for a Digital Savings Account

Click on 'Apply Now': After logging in with your SBI net banking credentials, look for the option to apply for a digital savings account. Key in Mobile Number and Email ID (Optional): Enter your mobile number and email ID if available. Two different OTPs will be sent to these numbers for verification. Key in OTPs: Once the OTPs are sent, key in the verification codes to proceed with the application.

Step 2: Providing KYC Details and Application Password

Select Proof of Identity and Address: In the fields for Proof of Identity (PoI) and Proof of Address (PoA), select the appropriate OfficiallyValid Documents (OVDs). Enter Document Details: Key in the document number, expiry date, and other relevant details. Create Application Password: Set up a secure application password to protect your account. Enter Address as Per PoA: Input your address as per the selected PoA.

Step 3: Capturing Photograph

Capture Your Photograph: Use the webcam or photo upload option to capture your photograph. Ensure the image is clear and focused.

Step 4: Additional Details

Enter Additional Details: Key in your father's and mother's names, marital status, and occupation. If applicable, provide your spouse's name and other personal details. Remember, the spouse's name and marital status are required for female applicants as per CKYC guidelines.

Step 5: Nomination

Fill Nomination Details: Enter the nominee's name, relationship, age, and address. If the nominee is a minor, also provide guardian’s details such as their name, age, and address.

Step 6: Specifying Services and Terms

Select Services Required: Specify the services you need, such as internet banking, chequebook, SMS alerts, and debit cards. Provide the type and variant of the debit card you want to receive. Agree to Terms and Conditions: Read the terms and conditions and check the box to agree. Similarly, agree to receive information on products and offerings from the bank. Validate and Submit: Receive an OTP on your registered mobile number as an acknowledgment. Provide this OTP to finalize the application. You will receive a 6-digit reference number, which you should carry with you to the branch for further verification.

Conclusion

The YONO SBI app is a convenient and innovative tool that makes banking and daily transactions more accessible and efficient. By following the steps outlined above, you can easily register and use the YONO app to manage your finances in real-time without visiting the bank physically. It’s a fantastic solution for both new and existing SBI customers, opening up endless possibilities for digital banking.