The hassle of carrying ATM card is over! With these 5 features of SBI YONO app, all your banking work will be done in minutes.

Now the old hassle of carrying ATM card is over for the customers of State Bank of India (SBI). Yono app has made banking completely digital and convenient. Now you can withdraw cash, check passbook and even get an instant personal loan without a physical debit card.

These 5 amazing features of YONO app help you complete all your banking tasks easily in minutes, which saves time and also increases security.

YONO Cash – Cardless Cash Withdrawal
The most revolutionary feature of Yono app is Yono Cash, through which you can withdraw cash from SBI ATM without debit card. Simply login to the app, go to the ‘YONO Cash’ section, select the amount, select the account and generate an OTP-based YONO Cash PIN. You will receive a transaction reference number through SMS. Select ‘YONO Cash’ option at the ATM and enter this number and PIN, and you will get the cash. This feature works not only on SBI ATMs, but also on some merchant POS and CSP points. There is no tension of losing or forgetting the card, and security is also increased because every transaction is done through a one-time PIN.

mPassbook – Free and Instant Passbook Checking
Now there is no need to go to the branch or stand in line at the ATM for passbook update. With the mPassbook feature in the Yono app, you can see the complete transaction history of your account (up to 150 transactions) for free. Mini statement (last 10 transactions) is also available instantly. There is also a facility to download or view the statement. This feature is especially useful for customers who want to track daily balance and transactions, without any additional charges.

Instant Pre-Approved Personal Loan
Getting an instant loan when needed is no longer a dream. YONO app offers pre-approved personal loans based on your transaction history and account behaviour. Many times a loan up to ₹ 1 lakh gets approved in just 2-5 minutes without any documentation. Apply by going to the ‘Loans’ section of the app, check the details and the funds are instantly transferred to your account. This feature is extremely helpful for emergency or planned expenses, where the traditional loan process would take weeks.

UPI and Quick Pay – Fast and easy payments
Yono app has facilities like UPI based Quick Pay, Scan and Pay, Pay by Contacts. You can make instant transfer on any UPI ID without card. Payment or request money from mobile number is also easy. This feature eliminates the need for cards for everyday bill payment, shopping or sending money to friends.

Everything in one app – All-in-One Banking
YONO not only provides banking but also investment, insurance, credit card apply, FD creation, bill payment and even lifestyle services. There are also advanced features like card management (lock/unlock), account view, voice assist.

This app gives complete bank branch experience to SBI customers from a smartphone.