How to register for SBI net banking (YONO Net Banking)

Steps

Online with a debit card

1. Go to yonoretail.sbi.bank.in (or reach it through onlinesbi.sbi.bank.in as above).
2. Choose "Register Now". The page is headed "New User Registration" and asks you to choose a mode of registration.
3. Choose "Debit Card", described on screen as "Register account by using one of your debit cards".
4. On "Account Identification", enter the Account Number, Mobile Number and captcha. Choose "Proceed".
5. The next step is named "Debit Card Authentication". Follow the prompts with your own card.
6. Set your username and password when asked. The portal does not accept a username that matches your account name.
7. Log in on the same page with the new username and password.

Online with the YONO mobile app

1. On the New User Registration page, choose "YONO Mobile App", described as "Register account using your Yono Mobile App".
2. Enter the Account Number, Mobile Number and captcha on "Account Identification" and choose "Proceed". The next step is named "Scan QR Code".
3. Open the YONO mobile app and log in with your biometric, Face ID or MPIN.
4. Tap your profile picture at the top left and select "YONO Web".
5. Select the "Scan to register on YONO Web" option to open the scanner.
6. Scan the QR code shown on the computer screen to authenticate the account.

Through the branch (no debit card)

1. On the New User Registration page, choose "Branch Activation", described as "Register account by visiting the Branch".
2. Enter the Account Number, Mobile Number and captcha and choose "Proceed". The next step is named "Set Username & Password".
3. You get a reference number. The portal says it expires in 7 days, and that your account is activated once you give the reference number at the branch.
4. Visit the branch within that time. The portal's text also refers to a "Branch Activation Code" that you enter to authenticate the account.

If the branch gave you a kit or a username

SBI's older process still exists. You apply at the branch with the internet banking registration form, and the branch gives a Pre-Printed Kit (PPK) with a username and password, or sends a username by SMS and the password by post.

• If you have a PPK, the OnlineSBI home page tells you not to use the new user registration link. Enter the user id and password from the kit on the normal login screen.
• If you received a username by SMS, the login page has "Activate Username". It asks for your account number and the username "sent through SMS on the registered mobile number".
• A username and password given by the bank must be replaced with your own at the first login. SBI's older FAQ says the username cannot be changed after that.

Choosing a password

SBI's Password Management page sets these rules:

• At least five different characters.
• Characters from at least three types: upper case, lower case, digits, punctuation.
• No run of letters in sequence longer than three, and no run of digits longer than two.
• Not a dictionary word, a name, a phone number or a vehicle number.
• Change it at least once every 90 days.

Forgot username, forgot password, locked user

The portal's lock notice says: "You will not be able to login. You can unlock access through Debit Card or through your branch." Its text also says that unlocking by debit card verification takes 12 hours for security reasons, and that ATM or branch verification is the route for immediate unlocking.