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 flight, train, bus and 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 release10 December 2017; 2 years ago (2017-12-10)
PlatformGoogle Play
App Store
Available inEnglish


YONO was launched on 24 November 2017.


YONO offers services from over 100 e-commerce companies including online shopping, travel planning, taxi booking, train booking,movie ticket booking, online education and offline retail with special discounts.[2] YONO also offers conventional mobile banking services such as bank account opening, fund transfers, cashless bill payments, and loans. The smartphone app can be used to make ATM withdrawals.[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 digital 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.