www.sbiyono.sbi How to Open SBI Yono App Insta Savings Account Apply Online 

www.sbiyono.sbi: The State Bank of India is striving for giving best services to its clients. It is introducing a large number of new services using technology. This technology idea is lessening the time waste at the SBI branches to the clients. The SBI has launched a SBI YONO app for its clients.

This app works on both the Android and IOS mobiles. This app can be used for a large number of purposes. Only money withdrawing cannot be done from this mobile app. The app is made using the artificial technology and machine learning at the backend making use of the front end to identify with predictive analysis.

State Bank of India is providing opportunities to its clients such as SBI Mutual Fund, SBI Cards, SBI general and Life Insurance and SBI Capital Markets. This app is also helping the clients to apply for a car or home loans without any paperwork. The clients can also make Insta Saving Account and free digital savings with the SBI YONO application. A large number of services are being provided from this SBI YONO app. The services related to the Insurance, Home loans, Credit Card and debit cards etc are also available in the app.


All the clients using the smart phones can make use of this SBI YONO Insta Saving account. The clients must go to google play store, Apple iTunes store or Microsoft store and Download the application from it. The application is developed for the Windows, Blackberry, KaiOs based telephone users by the engineers of the SBI.

The Clients must give a permit to the app settings such as Network Access, SMS, Maps and GPS Services, etc. Otherwise, all the services cannot be worked effectively.


  • An OTP will be sent to your email or mobile number for verification.
  • UIDAI of Aadhar card must be provided such that the name on aadhar card is same as the account name of the SBI.
  • Enter your PAN card number. In case, there is no PAN card, you can skip the process. But some services cannot be utilized.
  • The client must go to the branch and complete KYC to use the benefits that are provided.


The SBI YONO Insta Saving Account is a good feature that was released by the State Bank of India. All the clients having an account in the SBI can make use of this application. The below are some features provided by the SBI from the application.

  • The application can be used by Indians who are above 18 years.
  • Everyone can open an account without any paperwork.
  • Rupay cards are given to the clients for using for the transactions.
  • The saving can be up to one lakh in this account.
  • The client can also transfer this Insta Saving account to Regular Saving accounts by reaching the nearest branch of State bank of India.

[Also See: How to apply SBI Credit Card Online]


  • Indians above 18 years can take this YONO Saving Account. This is the important condition for taking an account from this app.
  • You must give a name of a Nominee as such you give it to a Debit card.
  • The client having an account in SBI cannot open an account in YONO.
  • The Account cannot be transferred to a joint account by the request of the client.
  • You must go to the nearest branch of the bank and complete the KYC. You must complete this process within a year after you create an account.
  • You cannot make any transactions using the bank.
  • There is no check book given to the client.
  • Your selected branch will be seen as a Home branch for your account.
  • Rupay Card is given only after the complete process is completed.
  • The account credit is allowed for only 2 lakhs only per a year.
  • Balance in the account cannot be more than a lakh in the Insta Saving account.
  • Minimum charges are applied on the YONO Insta Saving Account.

Steps for Opening a new YONO Insta Saving Account:

1. Go to the website of the State Bank of India https://www.sbiyono.sbi/

Open Insta Savings Account tab

2. Click on the “Digital Account” button on the screen.

3. Next, click on Insta Saving Account and Click on the Apply option in it.

Insta Saving Acct

4. Give your e-mail and mobile number there.

Fatca CRS Declaration

5. An OTP is sent to a registered mobile number for verification.

6. Click on “No” for not having any jurisdiction outside India.

7. Click on the Submit button.

The client must go to the nearest branch and continue with the next process at the branch. After the completion of all the process of KYC, the clients are given many services for the YONO Insta Saving Account.

[Also Read: SBI Balance Enquiry Online]

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