yono sbi

YONO SBI is an integrated digital banking app that combines everyday banking, investments, insurance, shopping, bookings, and lifestyle services into a single platform. Launched in its updated version in December 2025, it provides a seamless, personalized experience across devices with features like spending analytics for better financial management.[1][4]

Key capabilities of the YONO SBI app include secure account management, such as balance checks, fund transfers, debit card controls, and UPI payments directly from the interface. Users can apply for loans without visiting a branch, request home branch changes, and scan QR codes for quick payments, including options to link credit cards for transactions and cashback benefits.[2]

The app integrates CIBIL score access through a collaboration with TransUnion CIBIL, allowing customers to view their credit score, reports, analysis, FAQs, and gamified learning tools. A CIBIL Score Simulator helps simulate scenarios like opening loans, credit card usage, late payments, or new inquiries to understand their impact on credit health, promoting informed financial decisions.[1]

Additional YONO SBI features support QR code payments with fixed amounts and other services like personalized insights, making it a comprehensive tool for digital banking and credit monitoring in India.[2][3]

Website: retail.sbi.bank.in

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