How to Add Beneficiary in SBI YONO App Complete Guide

How to Add Beneficiary in SBI YONO App requires care. The Techno Sparks highlights mistakes that lead to transaction rejection. Adding a beneficiary in SBI YONO is basically saving a payee one time, so the next transfer takes seconds instead of minutes. If you often send money to the same person, shop, or service, this small step saves a lot of repeated typing.

It also lowers the chance of a silly mistake, like one wrong digit in the account number. Keep the correct bank details ready, keep your registered mobile number active for OTP, and give yourself a quiet minute to cross-check the name, account number, and IFSC.

Also, plan a bit ahead. Many users notice an activation or cooling period after adding a new beneficiary, so urgent transfers may not go through instantly.

What Is a Beneficiary in SBI YONO App?

Item	In Simple Words	Where You Use It	Quick Tip
Beneficiary (Payee)	A saved bank account you send money to often	NEFT, RTGS, IMPS transfers	Save with a clear nickname so you do not mix similar names
Beneficiary List	The saved list of payees inside YONO	While sending money later	After adding, open the list once and re-check account number and IFSC
IFSC Code	Code that points to the bank branch	Needed for other bank payees	Copy it carefully and verify it twice
Transfer Limit (Payee Limit)	Amount limit you set for that payee	Helps control risk	Set a realistic limit, then increase later if needed

A beneficiary is the person or bank account you want to send money to, saved inside your SBI profile so you can pay them again without entering details each time. In YONO, you can add payees for common bank transfers like NEFT, RTGS, and IMPS, based on the transfer option you pick.

Once the payee is saved, it appears in your beneficiary list. After that, you just select the name and enter the amount. This is useful for regular payments like rent, family support, or paying a vendor.

It also reduces errors because you are not retyping the account number every time. Still, the first entry matters the most. If you save the wrong account number or IFSC, money can go to the wrong place, and fixing that can take time.

Prerequisites Before Adding a Beneficiary in SBI YONO

Before you start, keep the beneficiary’s bank name, account number, and IFSC code ready in one place so you do not switch screens again and again.

Make sure your YONO login works smoothly, and keep your registered mobile number inside your phone, because the OTP usually comes by SMS.

A stable internet connection helps too, since the app can fail during OTP verification if the network drops. If you use YONO Lite or YONO Web, keep your username and password handy, and confirm you can receive OTP without delay.

Some transfer modes may ask for extra details like a nickname, payee type, or branch info, so read the fields slowly. If you are adding your own account in another bank, keep the exact account name and details as per bank records to avoid mismatches.

How to Add Beneficiary in SBI YONO App Through YONO Lite and YONO Web

In YONO Lite, log in and go to Payments or Fund Transfer. Select Manage Beneficiary or Add Payee.

Choose the transfer type, then enter account number, IFSC, and payee name. Confirm details and submit. You may get an OTP to verify. In YONO Web (net banking on browser), log in, open Payments and

Transfers, then Manage Beneficiary, then Add. Enter details, confirm, and verify via OTP. After a successful add, the payee appears in your list. Some cases need a wait period before first transfer, so check the message shown.

Security Tips Before and After Adding a Beneficiary

Avoid public Wi-Fi while adding a beneficiary. Use mobile data or a trusted network.
Verify the account number twice before saving. One wrong digit can send money to the wrong account.
Verify the IFSC code twice as well, because it decides the bank and branch.
Save the payee with a clear nickname so you do not mix up similar names later.
After adding, open your beneficiary list and check for any unknown payees.
Turn on app lock and keep your phone screen lock active at all times.
Never share OTP or UPI PIN with anyone, even if they say they are “bank staff”.
If someone pushes you to “add this account quickly”, treat it as a scam sign.
If you suspect fraud, change your YONO password and contact SBI support using official channels.

Difference Between Adding Beneficiary in YONO App vs Internet Banking

Adding a beneficiary in the YONO app is faster on mobile and is built around quick actions inside Payments or Fund Transfer. It is handy when you are away from a laptop, but it depends on your phone network and app access.

Internet Banking does the same job on a bigger screen, so checking account number and IFSC feels easier. Menu options can look clearer and you get more space to review details before saving.

In both methods, SBI uses OTP and may apply an activation wait time. The real difference is comfort and speed on YONO versus better visibility and easier cross checking on Internet Banking.

How to Add Beneficiary in SBI YONO App: Complete Step-by-Step Guide

Platform	Usual Menu Path (Labels Can Vary)	Payee Type	Details You Enter	Verification	What “Success” Looks Like
YONO Lite	Fund Transfer → Add/Manage Beneficiary	SBI account	Payee name, account number, confirm account number, limit	Profile password (and OTP in some flows)	Payee shows in list with status shown as active or pending
YONO Lite	Fund Transfer → Add/Manage Beneficiary	Other bank	Payee name, account number, confirm account number, IFSC, limit	Profile password (and OTP in some flows)	Payee shows in list, transfer starts only after activation
YONO SBI App	YONO Pay or Fund Transfer → Manage Beneficiary / Manage Payee	SBI account or other bank	Same fields as above	OTP via registered mobile + app login security	Payee appears in saved payee list
YONO Web (Browser)	Payments/Transfers → Manage Beneficiary → Add	SBI account or other bank	Same fields as above	OTP via registered mobile (or branch / ATM approval options)	SMS confirmation after activation and payee appears in list

If you are searching how to add beneficiary in SBI YONO app, the goal is simple: save a payee once, so future transfers need fewer taps and fewer chances of a typing mistake.

You will add the person’s bank details, set a transfer limit, and confirm using your SBI profile password and an OTP on your registered mobile number.

After that, the beneficiary appears in your payee list for NEFT, IMPS, or RTGS, based on what you choose.

What You Need Before You Start

Beneficiary name (as you want it saved)
Account number and confirm account number
IFSC code for other bank beneficiary
A limit amount you want to set for transfers

Make Sure Your Setup Is Ready:

YONO or YONO Lite login working
Registered mobile SIM active on the same phone so OTP and verification SMS can arrive
Stable internet and enough SMS balance for a verification SMS (operator may charge)

Step 1: Add Beneficiary In YONO Lite

SBI has published clear steps for YONO Lite in its customer care guide. The screen labels can look slightly different based on app updates, but the flow stays the same.

A) Add SBI Account Beneficiary In YONO Lite

Log in to YONO Lite.
Go to Fund Transfer and select Add/Manage Beneficiary.
Enter your profile password and tap Submit.
Tap the Add icon (usually at the bottom right).
Choose State Bank Account in beneficiary type.
Enter Beneficiary Name, Account Number, Confirm Account Number, and Limit, then tap Submit.
Check the pre-confirm screen and tap Submit again to finish.

That is the clean method for how to add beneficiary account in SBI YONO app when the payee also has an SBI account, using YONO Lite.

B) Add Other Bank Beneficiary In YONO Lite

Log in to YONO Lite.
Go to Fund Transfer and open Add/Manage Beneficiary.
Enter your profile password and tap Submit.
Tap the Add icon.
Choose Other Bank Account.
Enter Beneficiary Name, Account Number, Confirm Account Number, Limit, and IFSC. Address may be optional.
Tick terms and tap Submit, then confirm on the next screen and submit again.

This covers the most common request: how to add new beneficiary in SBI YONO app for a different bank account.

Step 2: Add Beneficiary In YONO SBI App

In the full YONO SBI app, menu names can vary by version, but you will usually find it under fund transfer or manage beneficiary/payee. A practical path many users see is:

Login
YONO Pay or Fund Transfer
Bank Account (or transfer type)
Add/Manage Beneficiary (or Manage Payee)

If your app shows Add/Manage Beneficiary, the steps are the same as YONO Lite: profile password, add icon, choose SBI account or other bank, enter details, then confirm and verify.

Tip: If you are trying how to add beneficiary in YONO SBI app and you cannot spot “Add/Manage Beneficiary,” use the app search bar if available, or open the Fund Transfer area and look for “Manage” options.

Step 3: Add Beneficiary Using YONO Web

If you prefer a bigger screen, you can add beneficiaries using SBI’s online banking flow (YONO Web style). SBI’s new beneficiary FAQ explains beneficiary activation and limits in online banking, so the add and approval journey exists outside mobile too.

Typical path on net banking looks like:

Login
Profile or Payments/Transfers
Manage Beneficiary
Add details
Approve via OTP or branch process (depends on method)

If your goal is urgent transfer, read the cooling period section below before you add.

Step 4: Understand Activation And Cooling Period

This part saves people a lot of confusion.

A) System Activation And 4-Day Limit

SBI’s beneficiary FAQ says that after activation by the system, there is a 4-day period where transfers to the new beneficiary are capped at a total of Rs. 5,00,000 in aggregate. After that, the full per day limit becomes available, subject to your set limit and SBI caps.

B) Branch Approval Can Remove The Wait

SBI also states that if the beneficiary is approved by the branch, activation can be instant and the 4-day cooling period is not applicable.

So if you need to send a larger amount quickly, branch approval is the safer plan.

Step 5: Double-Check Details Before You Tap Submit

This is where most errors happen.

Account Number: Type it carefully and use the confirm account number field properly. If even one digit is wrong, the money can go to a different account.
IFSC Code: IFSC controls bank and branch mapping for NEFT and RTGS. If it is wrong, your transfer can fail or go to the wrong place.
Beneficiary Name: Name is mainly for your saved list clarity. Still, keep it clean so you do not confuse similar payees later.
Transfer Limit: Set a limit that matches your real need. You can edit limits later via manage payee options.

Step 6: What To Do After Adding The Beneficiary

Open the beneficiary list and confirm the new name appears.
Try a small transfer first if it is a new payee, especially if it is a vendor or rental account.
Save a clear nickname so “rent” and “office” do not get mixed.

Common Problems And Fixes

OTP Not Received

Check network and SMS inbox.
Keep the registered SIM active on the phone used for YONO.
Retry after a few minutes.

If SBI provides a branch approval option in your flow, use it when OTP approval fails.

Beneficiary Added But Transfer Not Allowed

This is usually cooling period limits or activation pending. Check if the beneficiary is fully activated and note the 4-day cap rules.

Cannot Find Add/Manage Beneficiary

In YONO Lite, it is under Fund Transfer > Add/Manage Beneficiary.

In YONO SBI, look under fund transfer or payee management labels that are similar.

Final Checklist After Adding a Beneficiary in SBI YONO

After adding a beneficiary, open your Beneficiary List and confirm the name, account number, IFSC, and nickname. Check if the status shows Active or Pending Activation. If it is pending, note the waiting time shown in the app.

Turn on app lock and keep your phone screen lock enabled. Do not share the OTP or screen recording with anyone. Avoid doing transfers on public Wi-Fi.

If you see any unknown beneficiary, remove it and change your login password right away. Also save SBI customer care numbers only via official SBI sources.

FAQs

How to add beneficiary in SBI YONO app through which section?

Open YONO, log in, then go to Payments or Fund Transfer. Look for Manage Beneficiary or Add Beneficiary inside that section and enter the payee details.

How to add beneficiary in SBI YONO app through YONO Lite?

Log in to YONO Lite and open Fund Transfer. Tap Manage Beneficiary or Add Payee, fill in account number and IFSC, then confirm using OTP.

How to add beneficiary in SBI YONO app without paying online?

Adding a beneficiary is free, so you do not need to make any payment for it. You can add and save the payee, then transfer later when you want.

How to Check added beneficiary in SBI YONO app?

Go to Fund Transfer or Payments, then open Manage Beneficiary or Beneficiary List. You will see the saved payee name and activation status there.

How long does it take to activate a new beneficiary in SBI YONO?

It can be instant for some users, but many cases have a waiting period like a few hours. The exact time shows as Active or Pending in the beneficiary list.

Do I need to pay anything while adding a beneficiary in SBI YONO app?

No, SBI does not charge a fee just to add a beneficiary. Charges, if any, apply only during transfers based on the transfer type.

Why does SBI ask for OTP during beneficiary addition?

OTP is used to confirm it is really you adding the payee. It prevents someone else from saving a beneficiary using your account.

How to delete an added beneficiary in SBI YONO app?

Open Manage Beneficiary or Beneficiary List, select the payee, then choose Delete or Remove. You may need OTP or MPIN to confirm the deletion.

Is it safe to add a beneficiary in SBI YONO app?

Yes, it is generally safe if you keep your phone secure and never share OTP. Use app lock, avoid public Wi-Fi, and double-check account details before saving.

Can I transfer money immediately after adding a beneficiary?

Sometimes yes, but often SBI keeps a cooling period for new beneficiaries. Check the beneficiary status in the app to know if it is active yet.

How to add beneficiary in SBI YONO app through mobile number?

In most cases, SBI needs account number and IFSC, not only a mobile number. If you are sending to a registered mobile-based option like UPI, you add it as a UPI ID or contact, not as a bank beneficiary.

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How to Add Beneficiary in SBI YONO App: Quick Method for New Users