What is the official website of the payment service?
https://www.onlinesbi.sbi
- Direct message
- Leave a review
- Bookmark
- Share
- Report
- prev
- next
Where can I find the customer support contacts?
The customer support contact information can be found on the 'Contact Us' section of the SBI official website.
What is the hotline phone number?
1800 11 2211
Is there a toll-free support number?
Yes, the toll-free numbers are 1800 11 2211, 1800 425 3800, and 1800 1234.
What is the email address for technical support?
Are there separate emails for different types of inquiries?
SBI provides dedicated email addresses for different inquiries, such as [email protected] for general queries and [email protected] for digital banking.
Where can I find the online chat support?
Online chat support is available via the SBI website under the “Contact Us” or “Chat With Us” section.
Does the chat support work 24/7?
Most chat support is available 24/7, but some may operate during limited hours subject to availability.
Is there support through messengers (Telegram, WhatsApp)?
SBI offers support via WhatsApp; users can message “Hi” to +91 90226 90226.
What are the support working hours?
Customer support operates 24/7 for toll-free numbers, but branch hours may vary depending on location.
Does support work on weekends and holidays?
Toll-free helplines are available every day, including weekends and public holidays.
Are there regional offices for in-person visits?
SBI has regional offices and thousands of branch locations across India for in-person service.
Where are the physical offices located?
SBI’s headquarters is at State Bank Bhavan, Mumbai, with offices in all major cities and towns across India.
Can I schedule a personal meeting?
Personal meetings at branches can be scheduled by contacting the specific branch or through online appointment systems.
Are there representatives in different countries?
SBI has international branches and offices in countries such as the UK, US, Canada, Australia, Singapore, and others.
In which languages is support available?
Support is available in English, Hindi, and various regional languages depending on location.
How quickly does support respond to requests?
Response times vary by channel: phone and chat support are usually immediate, while email may take 24-48 hours.
Is there a priority system for VIP clients?
Priority banking and personalized support services are available for SBI Privilege and corporate clients.
Can I request a callback?
Callback requests can be made via phone or online forms, with responses typically within 24 hours.
When was the payment service founded?
State Bank of India was founded in 1955.
Who is the founder and owner of the service?
SBI was formed by the Government of India through the nationalization of the Imperial Bank of India.
What is the development history of the payment service?
SBI traces its history to 1806 (Bank of Calcutta), formed the Imperial Bank in 1921, and was nationalized as SBI in 1955, expanding digital banking in the 21st century.
Have there been major updates or rebranding?
Major updates include digital banking adoption, mobile app launches, SBI YONO platform, and continuous service upgrades.
Who sits on the company's board of directors?
SBI’s board includes top executives: Chairman, Managing Directors, and government-nominated directors.
Are there investors or partners in the service?
SBI is government-owned and partners with numerous fintech firms, payment networks, insurance companies, and global banking entities.
Does the company participate in stock trading?
Yes, SBI is publicly traded on the Bombay Stock Exchange (BSE) and National Stock Exchange (NSE).
What is the company's market capitalization?
As of August 2025, SBI’s market capitalization is approximately ₹8.5 trillion.
Are there subsidiary companies or branches?
Subsidiaries include SBI Capital Markets, SBI General Insurance, SBI Life Insurance, SBI Mutual Fund, among others; worldwide branches exist.
What licenses does the payment service have?
SBI is licensed and regulated by the Reserve Bank of India under banking and payment regulations.
In which jurisdictions does the service operate officially?
SBI operates in India and has authorized offices in multiple foreign countries.
Are there licenses for cryptocurrency operations?
SBI does not currently operate with authorized cryptocurrency licenses.
Does the service comply with AML/KYC requirements?
SBI adheres strictly to AML and KYC protocols as required by Indian law and global standards.
Are there security certificates (PCI DSS, etc.)?
SBI complies with ISO/IEC 27001 standards, PCI DSS for payment security, and other banking security norms.
Has the service undergone security audits?
Security audits are conducted regularly by internal and third-party teams to ensure compliance and data safety.
Is there insurance for client funds?
Deposits up to ₹5 lakh per account are insured by DICGC, as per Indian regulations.
Which international standards does it comply with?
SBI complies with ISO/IEC 27001, PCI DSS, RBI security directives, and international anti-money laundering norms.
Have there been any regulatory fines or violations?
SBI has faced regulatory penalties for compliance lapses, but implements strict remediation measures.
Where can I find real reviews about the service?
Reviews can be found on Trustpilot, MouthShut, App Store, Google Play, and financial forums.
What are the main user complaints?
Users cite issues with mobile app glitches, long branch queues, occasional transaction failures, and customer support delays.
What do users most often praise the service for?
SBI is praised for its nationwide reach, comprehensive banking products, robust security, and digital innovation.
Are there issues with fund withdrawals?
Occasional complaints about ATM or online withdrawal delays exist, but issues are typically resolved within a short time frame.
Is the interface convenient according to users?
SBI’s YONO app and online banking interfaces are generally rated convenient but sometimes criticized for complexity.
Are clients satisfied with transaction speed?
Most transactions are processed promptly, but some users experience delays during high-traffic periods.
Do users recommend this service?
Most users recommend SBI for secure and comprehensive banking, especially in India.
How do experts assess the service's reliability?
Financial analysts regard SBI as a secure, reliable, and stable payment provider, with industry-leading coverage.
Are there industry awards and recognitions?
SBI has won awards for digital innovation, customer service, and financial inclusion from various Indian and international organizations.
Does the service participate in payment system rankings?
SBI regularly features among the top Indian banks in payment system and digital banking rankings.
Are there recommendations from financial regulators?
Regulators note SBI’s adherence to compliance, recommend its use for secure transactions, and cite its penetration and reliability.
What reputation does the service have among partners?
Partners and merchants rate SBI highly for dependability, interoperability, and business support.
How do they evaluate solution innovation?
SBI is credited for pioneering digital banking solutions in India, including UPI integration and mobile banking advancements.
Are there quality service certificates?
SBI holds ISO/IEC 27001 for information security and other banking quality standards.
Does the company participate in industry conferences?
SBI executives frequently participate in major banking, fintech, and payment system conferences globally.
How does the service position itself in the market?
SBI positions itself as India’s top bank offering secure, innovative, and accessible payment and banking solutions.
Which fiat currencies does the service support?
Primarily Indian Rupees (INR), with foreign currency services in USD, EUR, GBP, JPY, and more at international branches.
Are cryptocurrencies supported? Which ones specifically?
SBI does not currently support cryptocurrencies for payment or banking services.
Is there a proprietary cryptocurrency or token?
SBI does not issue or support a native cryptocurrency or digital token.
Can currencies be converted within the service?
Currency conversion is available for major foreign currencies at specified branches.
What exchange rates are used for conversion?
SBI uses RBI-guided rates and real-time market rates for forex conversions.
How often are exchange rates updated?
Exchange rates are updated several times a day in line with market fluctuations.
Are stablecoins supported?
Stablecoins are not supported by SBI.
Can exotic currencies be handled?
SBI handles a wide range of currencies for forex services, subject to branch capabilities and regulations.
Are there currency restrictions in different countries?
Restrictions depend on local regulations and RBI guidelines governing foreign exchange.
What types of transfers does the service support?
SBI supports account-to-account transfers, NEFT, RTGS, IMPS, UPI, wire transfers, and international remittance.
Can transfers be made between service users?
Yes, users can transfer funds between their SBI accounts and to other SBI account holders.
Are transfers to bank cards supported?
SBI enables transfers to linked debit and some credit cards through supported channels.
Can money be transferred to bank accounts?
Money transfers to all Indian bank accounts (and select international banks) are supported.
Is bill payment available?
Bill payment is available for utilities, taxes, insurance, mobile recharge, and other services.
Are recurring payments supported?
SBI provides standing instruction and auto-debit functionalities for recurring payments.
Can automatic transfers be set up?
Automatic transfer options can be scheduled via net banking and branch channels.
Is payment scheduling available?
Scheduled payment options are offered for future-dated transactions through digital banking.
Are group payments supported?
While group payments are not a core function, some digital features enable splitting bills among users.
Can payment links be created?
SBI offers payment link generation for merchants via SBI Collect.
What are the minimum transaction amounts in the service?
Minimum amounts vary; for IMPS, the minimum is typically ₹1.
What are the maximum amounts that can be transferred?
Maximum limits differ by method, such as ₹2 lakh for IMPS, up to ₹10 lakh for NEFT, higher for RTGS and business accounts.
Are there daily limits on operations?
Daily limits apply to various services, changeable by verification status and account type.
What monthly and annual limits are in effect?
Monthly and annual limits are defined based on account type, service method, and compliance status.
Can limits be increased? How?
Limits can be increased via request at branches or through net banking by fulfilling additional verification steps.
Do limits differ for verified users?
Verified users receive higher transaction limits, especially for online and third-party payments.
Are there restrictions for new accounts?
New accounts may have lower transaction limits and restrictions until verification is fully completed.
Do special limits apply in different countries?
International transaction limits depend on jurisdiction, RBI, and host country regulations.
Can operations be temporarily blocked?
Temporary blocking is possible for suspected fraudulent activity, customer request, or account maintenance.
Are there limits on the number of daily operations?
SBI imposes limits on daily transaction volume to prevent misuse and comply with regulatory guidelines.
What are the minimum amounts for account funding?
Minimum funding for most accounts is ₹1 or as per deposit product requirements.
What methods of funding are supported?
Supported funding methods include cash, cheque, net banking, card payments, UPI, IMPS, NEFT, RTGS, and remittance.
Are there fees for funding?
Fees may apply to certain funding methods such as cash deposits at third-party locations or international remittances.
What are the minimum funding amounts?
The minimum is usually ₹1 for electronic transfers; higher for some account types or deposit products.
How quickly are funds credited when funding?
Electronic transfers are credited instantly or within a few hours; cheques and drafts may take 1-3 days.
How can money be withdrawn from the system?
Withdrawals are possible via ATMs, branch cash withdrawal, online transfer to other accounts, or cheque.
Are there fees for fund withdrawal?
ATM withdrawals at SBI are mostly free, but fees may apply for non-SBI ATM usage and certain withdrawal methods.
How long does withdrawal take?
Withdrawals via ATM and online banking are typically instant; cheques and remittances may take 1-3 days.
What withdrawal limits are set?
Withdrawal limits vary by ATM, card type, account type, and user verification status.
How quickly are funds credited when funding with a card?
Card-based funding is usually instant or within minutes.
How long does a bank transfer take?
IMPS is instant, NEFT within hours, RTGS same-day, international transfers 1-5 business days.
How quickly do cryptocurrency transfers arrive?
SBI does not support cryptocurrency transfers.
Are transfers between users instant?
Transfers between SBI accounts via instant payment channels are typically immediate.
Are there delays when funding on weekends?
Electronic transfers are instant, but some clearing methods may be delayed on weekends.
Do holidays affect funding speed?
Transaction processing for some bank methods is delayed during holidays; electronic methods may still be available.
Can crediting be accelerated for a fee?
Express processing is not standard, but some services offer priority for a fee.
What determines the speed of funding processing?
Processing speed is affected by payment channel, time of day, regulatory cut-offs, and system availability.
Are there notifications about funding status?
Users receive SMS and email alerts for successful account funding and transactions.
What to do if funding takes too long?
Contact customer support via hotline, branch visit, or online complaint portal to resolve delayed funding.
How quickly are withdrawal requests processed?
ATM and online withdrawal requests are instant; other methods may take up to 1-3 days.
How long does card withdrawal take?
Card withdrawals (ATM) are processed instantly; branch cash withdrawal may take minutes.
How quickly do bank transfers arrive?
IMPS is instant; NEFT and RTGS arrive within hours; international transfers may take several days.
Are cryptocurrency withdrawals instant?
SBI does not support cryptocurrency withdrawals.
Are there withdrawal delays on weekends?
Some withdrawal methods, especially requiring clearing, may experience delays on weekends.
Do holidays affect withdrawal speed?
Official holidays can delay processing except for instant electronic methods like IMPS/ATM.
Can withdrawal be accelerated for an additional fee?
There is generally no express withdrawal fee; instant channels are recommended for speed.
What determines withdrawal processing time?
Method used, verification status, regulatory cut-offs, and banking hours affect speed.
Are there notifications about withdrawal status?
Withdrawal status is notified by SMS, email, and updates in the online account dashboard.
Can a withdrawal request be canceled?
Withdrawal cancelation protocols depend on the method; electronic transfers are usually irreversible, but cheque withdrawal may be canceled before processing.
How to register with the payment service?
Register via branch visit, online portal (SBI YONO/Net Banking), or mobile app by providing identification and account details.
What data is needed to create an account?
Required information includes ID (Aadhaar/passport), PAN, proof of address, photo, and contact information.
Can registration be done without email?
Registration can be completed with only a mobile number at SBI branches.
Is phone confirmation required during registration?
Phone verification is mandatory for online and mobile account registration.
Are there age restrictions for registration?
Users must typically be at least 18 years old to open an SBI account; minors require guardian consent.
Can a corporate account be created?
Corporate, business, and institutional accounts can be opened with additional documentation.
Is it required to provide real data?
Genuine identification and real data is necessary for compliance and verification.
Are there country restrictions for registration?
Registration is open to Indian citizens and eligible foreign residents; international branches have local policies.
How long does account activation take?
Account activation is typically within 1-2 business days after successful verification.
What verification levels exist?
Verification levels include basic, full KYC, enhanced due diligence for higher transaction limits.
What documents are required for basic verification?
Basic KYC requires government ID (Aadhaar, PAN, passport) and a passport-size photo.
Are documents needed for full verification?
Full verification requires proof of address, photo ID, income/employment documents, and other regulatory paperwork.
Are digital copies of documents accepted?
Digital document uploads are accepted for online account opening and verification.
How long does the verification procedure take?
Verification is completed within 1-2 business days, depending on document review and processing.
Can the service be used without verification?
Limited services are available without full verification, mainly for small transaction accounts.
What restrictions apply to unverified users?
Lower transaction limits, fewer products, and inability to access certain services apply.
Is address confirmation required?
Address verification via documents is mandatory for full account functionality.
Is a selfie with documents required?
Photo verification may be required in some cases, especially for digital account opening.
How often do documents need to be updated?
Documents are updated only if expired, upon major changes, or if requested by SBI.
What encryption technologies does the service use?
SBI uses SSL/TLS, AES encryption, and multi-layered security protocols for data protection.
Is two-factor authentication supported?
Yes, SBI employs 2FA via OTP, mobile app prompts, and hardware-based tokens.
Are there SMS confirmations for operations?
SMS OTPs are required for key account-operating transactions.
Is biometric authentication supported?
Biometric options such as fingerprint and facial recognition are supported through select mobile devices and ATMs.
Is blockchain technology used?
SBI does not publicly implement blockchain for core payment services.
Is there a multi-level security system?
SBI utilizes layered security architecture with firewalls, authentication, and transaction monitoring.
How is user personal data protected?
Data is encrypted, stored securely, and processed in compliance with Indian and international privacy standards.
Is cold storage used for cryptocurrencies?
SBI does not support or store cryptocurrencies.
Is there DDoS attack protection?
SBI deploys DDoS mitigation and network protection measures.
Are regular security audits conducted?
Regular security audits and penetration tests are conducted by internal and recognized third-party firms.
What anti-phishing protection measures are provided?
Anti-phishing advisory, filtered emails, and transaction authentication are enforced.
Is there a suspicious activity detection system?
Automated fraud detection systems monitor for unusual account activities.
How does the service combat money laundering?
AML policies include transaction monitoring, reporting, and mandatory KYC identification.
Is there blocking of suspicious accounts?
Accounts showing suspicious activity can be promptly blocked and reviewed by SBI.
What to do when fraud is detected?
Contact customer support, block compromised cards or accounts, and file a dispute as soon as fraud is detected.
How to report suspicious activity?
Report via the SBI customer helpline, online portal, or by visiting a branch.
Is there compensation for damage from fraudsters?
Compensation may be provided after investigation, subject to terms and coverage limits.
What user rights exist for disputed transactions?
Users have the right to dispute unauthorized transactions via formal complaint and investigation procedures.
How to dispute account blocking?
Submit a written appeal or visit a branch to resolve account blocking disputes.
Is there insurance against cyber attacks?
Insurance for individual cyber incidents is not standard, but SBI implements institutional coverage.
What fees does the service charge for transfers?
Transfer fees depend on the method: IMPS, NEFT, RTGS, and international remittance rates apply.
Are there fees for account funding?
Most electronic funding methods are free; charges apply for cash deposits in some cases.
Are fees charged for fund withdrawal?
SBI ATM withdrawals are mostly free; fees may apply for cross-bank and specific methods.
Are there fees for currency conversion?
Currency conversion involves service charges and margins per RBI guidelines.
Are there fees for account inactivity?
SBI typically does not charge inactivity fees for standard savings accounts.
Are there account maintenance fees?
Account maintenance fees may apply to current/business accounts and specialized products.
Are fees charged for operation cancellation?
Cancellation fees vary by service; most digital payments are non-cancelable once processed.
Are there fees for expedited operations?
Express/priority fees apply to certain transactions as listed on the fee schedule.
Are there hidden fees?
SBI discloses all fees transparently in the account terms and website disclosures.
How are fees calculated for large amounts?
Large transaction fees are based on slab rates, regulatory rules, and service type.
Are there different tariff plans in the service?
Multiple account types and fee plans are offered based on customer segment and service needs.
What advantages does VIP status provide?
VIP clients get higher limits, priority support, dedicated managers, and preferential rates.
How to get preferential conditions?
Preferential terms require maintaining high balances, or specific corporate/business account status.
Are there free operations per month?
Basic savings account holders get several free transactions per month; limits vary by account type.
Are there discounts for active users?
Active transaction users may receive bonuses such as cashback or fee waivers on select services.
Are there corporate tariffs?
Specialized tariffs exist for corporate, SME, and institutional customers.
Can individual conditions be obtained?
Personalized terms are available for high-value clients and corporate accounts.
Do promotional codes work for fee reduction?
Occasional promotional codes and campaigns may offer fee reductions or bonuses.
Are there cashback programs?
Cashback offers and reward programs are available occasionally for card usage and digital payments.
Are there discounts for transaction volumes?
Volume-based discounts may apply for business and merchant accounts.
Is there an official mobile application?
Yes, SBI’s official mobile apps are SBI YONO and SBI Anywhere.
On which platforms is the application available?
Apps are available on Android and iOS platforms.
What functions are available in the mobile application?
Account management, fund transfers, bill payments, card control, and digital banking are offered.
Does functionality differ from the web version?
Mobile apps may have streamlined interfaces and dedicated features not present on the web, but core functions are similar.
Is Touch ID/Face ID supported?
Yes, biometric authentication is supported for mobile app login.
Can the application work offline?
Most functions require internet access; limited offline capabilities like balance enquiry via SMS exist.
Are there push notifications about operations?
Yes, users receive push notifications for transactions, account updates, and alerts.
Is dark theme supported?
Dark mode is supported in SBI YONO and other mobile apps.
How often is the mobile application updated?
Updates are typically released every few weeks to address security and add new features.
Are there beta versions of the application?
Beta programs may be available for select users via app stores or invitation.
Is the web interface of the service convenient?
SBI’s web interfaces are designed for convenience, but some users find legacy systems complex.
Is responsive design supported?
Responsive web design is supported for mobile and tablet users.
In which languages is the interface available?
The interface is available in English, Hindi, and select regional languages.
Is there a night mode for the website?
Dark mode or night mode is supported on select platforms.
Are hotkeys supported?
Limited hotkey support is available for accessibility, primarily for desktop users.
Can data be exported?
Account statements and transaction history can be exported in PDF, Excel, and CSV formats.
Is there an API for developers?
SBI provides API banking and integration options for corporate clients and fintech partners.
Is integration with other services supported?
Integration is available for UPI, major payment gateways, and enterprise software.
How often is the web interface updated?
Regular updates are rolled out to enhance security and user experience.
Are there virtual cards in the service?
SBI issues virtual debit cards and e-cards for online payments.
Can disposable cards be created?
Disposable or limited-use cards may be generated for select online transactions.
Is multi-currency account functionality supported?
Multicurrency products are available for specific SBI corporate and NRI accounts.
Are there investment products?
SBI offers mutual funds, fixed deposits, insurance, and other investment products.
Can interest be earned on balance?
Interest is earned on savings, fixed deposits, and select accounts as per RBI rules.
Are there credit products?
SBI provides personal loans, credit cards, overdrafts, home loans, and business credit services.
Is P2P trading supported?
Peer-to-peer trading is not available as a banking service.
Can cryptocurrencies be bought/sold?
SBI does not support cryptocurrency purchase or sale.
Is there acquiring for business?
Merchant acquiring and POS services are available for businesses.
Are mass payouts supported?
Mass payout capabilities are offered for corporate and business clients.
Is there a loyalty program in the service?
Select cards and products offer loyalty rewards and points programs.
How are bonus points earned?
Bonus points are earned through eligible transactions using SBI credit/debit cards and promotions.
Is there cashback for operations?
Cashback is available on certain transactions and promotional card offers.
Are there referral programs?
Referral programs exist for select products with incentives.
What privileges do VIP clients have?
VIP clients receive dedicated support, higher limits, exclusive offers, and personalized managers.
Are there seasonal promotions and offers?
Seasonal and festival offers are run for cards and digital products.
Can premium status be obtained?
Premium status is achieved through qualifying account type, balances, or business activity.
Are there partner discounts?
Partner merchants offer discounts through SBI cards and select banking deals.
Are there corporate loyalty programs?
Business and commercial users access tailored loyalty and reward schemes.
Does the service allow operations with online casinos?
SBI banking services cannot be directly used for gambling transactions as per compliance guidelines.
Are there restrictions on gambling transactions?
Transactions related to gambling, betting, or lottery are restricted or blocked per RBI policies.
Can accounts be blocked for casino play?
Accounts may be flagged or blocked for suspected gambling-related transactions.
How does the service view gambling?
SBI adheres to RBI’s stance prohibiting gambling-related banking operations.
Are there special conditions for gambling?
Special restrictions apply; gambling transactions are generally not permitted under SBI’s compliance.
Are casino transactions tracked?
Gambling-related transactions are flagged and monitored for regulatory compliance.
Can operations with gambling sites be hidden?
Such transactions are subject to monitoring and transparency requirements by law.
Are there notifications about gambling expenses?
Users may receive alerts for flagged gambling-related activity, in accordance with compliance.
Are there special fees for gambling operations?
Special fees are not applicable as gambling transactions are blocked.
Can limits be set on gambling?
SBI prohibits gambling-related transactions and does not offer gambling-specific limits.
Is there a self-exclusion function?
Gambling self-exclusion features are not available at SBI.
Can access to gambling sites be restricted?
SBI blocks identified gambling sites and transactions per compliance.
Is gambling expense control supported?
Expense control tools for gambling are not applicable at SBI.
Are there notifications about limit exceedance?
Alerts are provided when regulatory and account limits are exceeded.
Can operations with casinos be blocked?
Yes, operations involving casinos or gambling activities are blocked by default.
Is there gambling expense statistics?
Gambling spend analytics are not available due to restrictions.
Is a "cooling-off period" supported?
Not applicable for gambling-related activity.
Can help be obtained for gambling addiction?
Help is not directly provided; external organizations may be recommended.
Is there partnership with player assistance organizations?
SBI does not partner directly with gambling assistance organizations.
How to set up gambling expense notifications?
Gambling-related alert setup is not available at SBI.
Which online casinos accept this payment method?
Most online casinos do not accept SBI directly due to regulatory restrictions.
Are there exclusive partnerships with specific casinos?
No, SBI does not form partnerships with casinos.
Do conditions differ when used in different casinos?
Conditions are standard; SBI does not support casino transactions.
Are there special bonuses for using this method in casinos?
No bonuses for casino usage exist.
Can the method be used for both deposits and withdrawals in casinos?
Casino transactions are not supported for deposits or withdrawals.
Are there geographic restrictions for casino usage?
Gambling transaction blocks apply irrespective of location.
How do casino operators typically process transactions from this method?
Casino operators do not process SBI banking transactions due to regulatory restrictions.
Are there typical processing times when used with casinos?
Not applicable; transactions are restricted.
Do casinos usually charge additional fees for this method?
Not applicable; service is not permitted.
Are there any known compatibility issues with major casino platforms?
Casino platforms are generally incompatible with SBI banking services due to legal restrictions.