IDFC FIRST Bank: MobileBanking vs YONO SBI:Banking and Lifestyle Usage & Stats

Welcome to IDFC FIRST Bank’s Mobile Banking App. Enjoy a fast and seamless online banking experience, with integrated banking services and exciting features. Experience the joy of: * One-Swipe Banking: Swipe to view your account balances and manage credit card/debit card details, deposits, investments, etc * Instant Payments & Transfers: Make secure payments, UPI transfers, and bill payments * Zero Fee Banking: Enjoy commonly used Savings Account services free of cost, including money transfers, cheque re-issuance, debit card issuance, and ATM withdrawals * Tracking Expenses: View your savings and transactions across all your accounts and monitor cash flow with over 20 automatically categorized transaction types * Auto-Sweep Current Accounts: BRAVO Current Accounts with Auto-Sweep to FD for higher interest rates * Building Wealth: One screen view of your investment portfolio. Get curated investment recommendations based on your risk profile * Investing for Life Goals: Create and make investments for your investment goals – wedding, education, or retirement * Personalized Offers: Get exciting offers across dining, lifestyle, travel & more * Instant Personal Loans: Avail pre-approved loan offers at attractive interest rates and flexible tenures Smart App Features and Services 1. Secure Fund Transfers & Payments * Free fund transfers to any bank account without adding beneficiary * Easy bill payment and recharge – mobile recharge, DTH & utility bills * 3-click digital bill payments * Zero fee money transfer (मनी ट्रांसफर) to bank accounts through IMPS, NEFT, or RTGS * Send money, pay utility & credit card bills, loan EMIs, buy/recharge FASTag, using UPI * Link bank (बैंक) accounts & view your savings account (बचत खाता) balances with UPI 2. Investment, Mutual Funds & IPOs App: Explore online investment services: * Invest in Mutual Funds online with Instant SIP * Invest in equity, debt, large-cap and multi-cap * Save tax with ELSS mutual funds * Invest in Unit Linked Insurance Plans (ULIP) and Online Sovereign Gold Bonds 3. Insurance App: Buy health, bike & car insurance through our app 4. Tripstacc Benefits * Convenient in-app flight and hotel booking experience on the IDFC FIRST Bank mobile app, powered by Tripstacc * ZERO convenience fees on flight booking & earn 20 bonus points for every ₹100 spent on hotel bookings 5. Other Banking Services: * Apply for debit card & cheque book via app completely free of charge * Use smart filters to view transactions * Manage credit card payments, download statements, and redeem credit card (क्रेडिट कार्ड) rewards * Quick purchase and recharge of FASTag * Zero fee on DD & Pay order issuance & 3rd party withdrawals * No ECS return fee & decline fee at ATMs for low funds * Get personalised offers across loans * Contact us via chat, video call and call centre Steps to Download App & Open a Digital Banking Account (बैंक खाता): * Download the banking app & click on open savings account (सेविंग्स अकाउंट) * Register your details & get user ID & password * Log in via user ID and password or mobile number and MPIN * Set up Face ID or finger scanner (biometric) for easy log-in * SIM Binding feature for secure banking (बैंकिंग) Personal Loan Features: Loan amount: ₹20,000 to ₹40 lakhs Personal Loan Tenure: 6 to 60 months Annual Percentage Rate: 11% to 28% Representative Example: Loan amount: ₹1,00,000 Loan Tenure: 12 months Interest Rate (reducing): 20% EMI Amount: ₹9,264 Total Interest Payable: ₹11,168 Processing Fee (incl GST): ₹3,499 Disbursed Loan Amount: ₹96,501 Total Amount Payable: ₹1,11,168 Total cost of Loan (Interest + Processing Fee): ₹14,667 Disclosure: By downloading the IDFC FIRST Bank Mobile App, you agree to our Terms & Conditions, as well as IDFC FIRST Bank’s privacy policy. To go through the T&Cs, please visit https://www.idfcfirstbank.com/terms-and-conditions

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YONO SBI:Banking and Lifestyle

YONO SBI: Bank, Invest, Shop, Travel, Pay Bills, Recharge, use UPI to transfer money YONO SBI lets you Bank, Shop, Travel, Pay Bills, Recharge, Invest, avail IRCTC ticket booking, use UPI to transfer money, book movie tickets. With YONO SBI, convenience has a new name. Download YONO SBI, our mobile banking and lifestyle application from iOS App store only and experience its best-in-class features. Do not use any other websites. Registration process: YONO is supported on iOS 15 and above. • Install/update new version of App from App Store and open. • Allow all required permission (location). • Select SIM of CBS Registered Mobile Number (RMN) and submit NEXT. • An encrypted SMS with a unique code will be sent from the device to Bank’s VMN (Virtual Mobile Number) to verify the customer. Kindly note that for sending the SMS standard SMS charges are applicable as per your telecom plan. The SIM should have an active outgoing SMS facility. • If there are multiple CIF's attached with same mobile number, system will prompt for the account number and DOB for finding out a unique customer by the mobile number. • If the customer is already having online banking facility of SBI, App will automatically prompt to proceed to register on YONO SBI app with existing user credentials (Online Banking User ID and Password). After entering User ID and Password, customer will receive an OTP on Registered Mobile Number. User has to enter the OTP in the app to complete registration with an optional setting of MPIN. • If the existing SBI customer is not having Online banking credentials, App will prompt to proceed to create INB credential using "Account Details" and "ATM Card" based registration process. • If Non RMN SIM is selected, user will land on account opening screen. If customer claims that selected SIM is already registered with bank, user needs to visit nearest branch with KYC for updating/ validating the mobile number in bank account. What YONO SBI offers you YONO SBI, SBI's latest mobile banking offering is an extension of our trusted banking legacy which gave India secure digital products such as YONO Lite and SBI Net Banking. YONO SBI puts India's largest range of products and services at your fingertips. • India's largest shopping marketplace - Exclusive discounts and offers for SBI customers across merchants who offer shopping, vacation bookings, flight and bus ticket bookings, train ticket bookings through IRCTC, food delivery and much more • Quick Transfer-Immediate fund transfer to new beneficiary up to Rs.50,000/- per day • One view- Link and view your relationships with all State Bank entities (Credit Cards, Life Insurance, General Insurance, Travel Insurance, Accident Insurance, SIP, Mutual Funds or investments) in one app • Your friend in need-Get Pre-approved personal loans on the go within 2 minutes, with no documentation at branches. • Liquidity on the go-Use this one click facility to avail overdraft against Fixed Deposit • Experience convenience: Request Cheque Books, ATM Cards/Debit Cards or use the emergency services to change ATM PIN, block ATM cards/Debit cards or stop cheques, through YONO SBI Other pre log in features: • ATM/Branch Locator • Forgot MPIN?- To reset Login MPIN • View Balance -View account balance & recent transactions • Quick Pay - Make quick & simple payments. • YONO Cash - Cardless Cash Withdrawal • Loans - Apply for Home, Car, Education & Personal Loans • Investments - Open Investment account and make investments • Best Offers - Best Online Shopping offers • Lock App - To lock app access • T&C - Terms & Conditions • Privacy Policy • Helpline - Call on Helpline No.