Open main menu

YONO (You Only Need One) is an integrated digital banking platform offered by State Bank of India (SBI) to enable users to access a variety of financial and other services such as taxi bookings, online shopping, or medical bill payments.[1] YONO is offered as a smartphone app for both Android and iOS.

Developer(s)State Bank of India
Initial release24 November 2017
PlatformGoogle Play
App Store
Available inEnglish



YONO was launched on Friday 24 November 2017 by Arun Jaitley, the Finance Minister of India.


YONO offers services from over 60 e-commerce companies including online shopping, travel planning, taxi booking, online education and offline retail.[2] YONO also offers conventional mobile banking services such as bank account opening, fund transfers, cashless bill payments, and loans.

Cash withdrawalEdit

SBI customers can initiate withdrawal process from their smartphone by using the Yono app without debit or credit cards. After installing the Yono app, Account holders will have to set a 6 Digit Yono pin for withdrawing cash from ATMs. They will also get the Reference number for the transaction on their registered mobile number via SMS.[3]


  1. ^ "SBI launches YONO, an integrated app for financial services". The Hindu. 23 November 2017. Retrieved 24 November 2017.
  2. ^ "SBI's YONO allows instant savings accounts, online loans". The Times of India. 24 November 2017. Retrieved 24 November 2017.
  3. ^ Dubey, Navneet (2019-04-05). "How to withdraw cash from SBI ATM without using debit card or SBI YONO app". The Economic Times. Retrieved 2019-05-23.