SBI Adds Investment, Wellness, And Trade Finance Tools To YONO

State Bank of India (SBI) has introduced a new set of digital banking features on its You Only Need One (YONO) and YONO Business platforms, covering retail investing, salary accounts, financial wellness and trade finance, according to a press statement issued by SBI. The announcements were made as the lender marked its 71st Bank Day on July 1, 2026.

Among the retail additions is a single digital journey that allows a new customer to open a savings account along with a demat and trading account with SBICAP Securities. SBI said the 3-in-1 onboarding process is intended to bring these three services together without separate applications.

One App, More Account Options

Eligible customers can also convert a savings account into a corporate salary account or upgrade an existing salary account online, avoiding a branch visit.

The bank has added a Financial Fitness feature to YONO. It will provide a combined view of a customer’s accounts, loans, investments, insurance and spending patterns, along with personalised insights. It has also rolled out a Sustainability Journey, through which users can track the carbon emissions saved through digital banking transactions and receive a monthly Green Score.

SBI said YONO has more than 10 crore registered users, while the bank serves over 53 crore customers. The new features extend the app beyond transactions and account servicing into investment onboarding and personal financial tracking.

Trade Finance Moves To Mobile

For companies and MSMEs, SBI has integrated its full trade finance suite with YONO Business. Corporate and small-business users can view, track and authorise inland, import and export trade finance transactions through the mobile platform.

The bank said this will give businesses greater visibility across trade finance transactions and allow faster authorisation where needed. It has also launched YONO Ji, an Agentic AI-powered virtual assistant available round the clock on the web and mobile versions of YONO Business. The assistant is designed to respond to questions on products, platform features and services.

“As we celebrate 71 years of serving the nation, our focus remains on building a technology-driven, customer-centric bank that continuously reimagines banking experiences for individuals, businesses and enterprises alike. Today’s launches reflect our commitment to harnessing Artificial Intelligence, digital innovation and data-driven insights to make banking simpler, smarter and more accessible. From financial wellness and sustainable living to AI-powered business banking and mobile trade finance, we are creating integrated digital ecosystems that support India’s growth journey towards Viksit Bharat 2047,” says Challa Sreenivasulu Setty, Chairman, SBI.

The bank said the new digital journeys are part of its Customer First, Digital First, Nation Always strategy.

FAQs

1. Can a new customer open a savings, demat and trading account together through YONO?

Yes. SBI says new customers can use a single digital journey to open a savings account along with a demat and trading account with SBICAP Securities.

2. What does SBI’s new Financial Fitness feature on YONO do?

It gives users a consolidated view of their accounts, loans, investments, insurance and spending, along with personalised insights on their finances.

3. What new services are available on YONO Business?

Corporate and MSME customers can now view, track and authorise inland, import and export trade finance transactions on mobile, while YONO Ji offers AI-powered assistance.