YONO SBI, the mobile banking application offered by India's largest bank, State Bank of India, provides a plethora of banking services at your fingertips. However, users have occasionally reported not receiving OTP (One Time Password) while trying to access their account or perform transactions. This can be frustrating, especially when you urgently need to make a payment or check your balance.

Reasons Why OTP is Not Coming in YONO SBI

  1. Incorrect Mobile Number:

Ensure that the mobile number registered with your SBI account is the same as the one you are using to access YONO SBI. Any mismatch can result in OTP being sent to the wrong number.

  1. Network Issues:

Poor network connectivity, either on your mobile device or the service provider's end, can disrupt the delivery of OTP messages. Make sure you are in an area with strong network coverage.

  1. DND (Do Not Disturb) Settings:

If you have activated DND on your mobile device, it may block OTP messages. Disable DND to ensure smooth OTP delivery.

  1. App Not Updated:

An outdated version of the YONO SBI app may not be compatible with the latest OTP generation and delivery mechanisms. Update the app to the latest version to resolve this issue.

  1. Temporary Server Issues:

Occasionally, YONO SBI servers may experience technical issues, leading to delays or interruptions in OTP delivery. If this occurs, try again after some time.

  1. Firewall or Security Software:

Firewall settings on your device or security software may inadvertently block OTP messages. Temporarily disable them to allow OTPs to be received.

  1. Inactive SIM Card:

If your SIM card is inactive or blocked, you will not receive OTP messages. Contact your mobile service provider to reactivate your SIM card.

Troubleshooting s to Resolve OTP Issues

  1. Check Your Registered Mobile Number:

Log into your YONO SBI account through the online banking portal. Verify that the mobile number linked to your account is correct. If not, update it immediately.

  1. Enable OTP Delivery:

Within the YONO SBI app, check if OTP delivery is enabled. If it's disabled, turn it on to receive OTPs.

  1. Contact Your Bank:

If the issue persists despite trying all the above steps, contact SBI customer care. They can investigate the problem further and assist you in resolving it promptly.

Prevention is Better Than Cure

  1. Use a Strong Password:

Create a strong and unique password for your YONO SBI account. This reduces the risk of unauthorized access and OTP interception.

  1. Keep Your App Updated:

Regularly update the YONO SBI app to ensure compatibility with the latest OTP generation and delivery mechanisms.

  1. Enable Two-Factor Authentication (2FA):

Activate 2FA on your YONO SBI account. This adds an extra layer of security by requiring both a password and an OTP for authentication.

  1. Be Wary of Phishing Attempts:

Remain vigilant against phishing scams. Never share your OTP or personal information with anyone over phone, email, or SMS.


Experiencing OTP issues with YONO SBI can be frustrating, but by understanding the potential causes and following the troubleshooting steps mentioned above, you can often resolve the problem quickly. If the issue persists, don't hesitate to contact your bank's customer care for assistance.

Frequently Asked Questions (FAQs)

  1. Why am I not receiving OTP on my registered mobile number?

Check your network connectivity, update the YONO SBI app, disable DND, and ensure your SIM card is active. If the issue persists, contact SBI customer care.

  1. How can I prevent OTP issues in the future?

Use a strong password, keep the app updated, enable 2FA, and be cautious of phishing attempts.

  1. What should I do if I think my OTP was intercepted?

Immediately contact SBI customer care and report the incident. They will guide you through the necessary steps to secure your account.

  1. Can I receive OTPs on my email address instead of my mobile number?

Currently, YONO SBI only sends OTPs to registered mobile numbers. However, you can consider enabling 2FA to add an extra layer of security to your account.

  1. Is there any other way to access my YONO SBI account without an OTP?

Apart from using an OTP, you can access your account through net banking with your username and password. However, this method is less secure and not recommended for sensitive transactions.



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