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Had opened a new account in SBI a few days back , linked that to my Stock Broker for Equity, SIP previously was BOB , now BOB will be UPI account and Kotak 811 will be used for offline spends only.

got it. I dont want to take a risk of using this account seeing weird experience of people in the forum , dont have time and energy to chase bank branch in case of any surprises.There are lot of important things in my life apart from just banks , banks and banks. i would use it just for offline...

the account is exactly 2 yrs today. is it still considered as new ?

Does it work in department stores / medical Stores ?

the process to generate credentials for using yono app for 1st time is slightly complex. If u contact cc they will ask you to visit branch which is not required at all just get cif and account no and go to sbi website to generate new user credentials

I use Kotak 811 super for a similar use case as yours Sir. I usually tranafer 30 40k some times even 70 80k depending on credit outstanding each month and carry out day to day UPI transactions. However I have activated UPI lite for this account and set auto top up when upi lite balance goes...

I asked him upfront on what basis you freeze the account hes like u should not use for business needs. one thing confused me he said if income u have stated as X and if X/5 worth transaction is done then also they will freeze it 😅 also he told me dont use as an investment account as mf...

I have a Bob Lite account in which if i maintain 3k then no debit card charges. if i dont maintain charges then 300₹ not sure. yes i have disabled sms.

I have the below. HDFC Imperia - Salary SBI - Investments BOB Lite - Open for Rupay platinum card , now the offer is no longer valid Kotak 811 Super - For daily expenses , impressed by its customer service. Shall I replace BOB with any other 0 balance account ??

Yes ICICI can offer you highest value preapproved offers , but their ROI is no where closest to a PSU and they will not even try to match it. you will always end up paying 10% more ROI overall when you are banking with ICICI . In my opinion I would rather go to a PSU 5 times just in case...

There is a work around. Get the CIF number from the Customer care they will provide you via sms , then go to onlinesbi website and check option of User Registration and follow steps . create Username and password and then use the same in YONO SBI and you should be done.

yes bro i did read. when u say continue in app i am trying to decode that , however when i open sbi yono i see option of REGISTER which then process with sim authentication and then it says i am already registered and asking to enter temporary username/ username and password. so I am confused here

how to get CIF.

My mobile app is not yet activated its asking for temp username and password.

When do we receive temp username & CIF Number .I just refilled all the details today again as VKYC was not successful yesterday and bingo got connected to VKYC agent in 10 mins and it was done. Received account umber in SMS

u need to keep checking the app for balance refresh in case required at any point of time

Thank You for assistance. Really appreciate members in the forum are always helpful

are the transactions sms delayed like BOB ?

Does it provide daily balance alerts or customizable account balance alerts ? Are there frequest issues with SBI UPI services ? How is the mobile banking app when compared with other PSU like Union , BOB , BOI ?

I have an account with BOB but it doesn't provide instant SMS for Non UPI transactions. I am planning to close it soon , also the APP is like not user friendly , to see recent transactions it requires 4 steps after login & the app doesn't work after 11PM.. Any other PSU apart from Indian Bank...