Money

State Bank Of India’s Mobile Banking : How To


State Bank of India offers online & mobile banking to almost all of it’s customers who have opted for a bank account. I have two accounts with SBI, one NRE and one regular savings bank account and both of the have online banking. SBI’s online banking is not amazing but okay and you might run into a few problems once a while – at least from my experience. Let’s look deeper into how SBI’s online banking works and what you need to know.

State Bank of India Mobile Banking – What it does

SBI promises that their mobile banking features are robust as any other bank out there. You can transfer money, check balances and pay bills online via SBI Mobile banking.

What mobile phones and platform are supported by SBI Mobile Banking : Java, Blackberry, Android, i-phones and Windows phones support mobile banking by SBI. SBI uses WAP and GPRS technology for it’s mobile banking.

The following services can be availed through the Mobile Banking application and WAP:

  • Funds transfer (within and outside the bank)
  • Immediate Payment Services (IMPS)
  • Enquiry services (Balance enquiry/ Mini statement)
  • Demat Account Services
  • Requests (Cheque book request/Generate OTP)
  • Bill Pay (Utility bills, credit cards, Insurance premium), Donations, Subscriptions
  • Top up / Recharge (Mobile /DTH /MobiCash wallet Top up)
  • M Commerce (Merchant payments, SBI life insurance premium)

Who are eligible for SBI Mobile Banking?

All Current/ Savings Bank Account holders with SBI in it’s P segment and proprietary concerns in SME segment are eligible for SBI Mobile Banking.

Limitations with SBI Mobile Banking

Transaction limit per day is Rs. 50,000/- with a calendar month  limit of Rs. 2,50,000/-
There are no service charges for mobile banking transactions but the mobile data charges might apply based on your carrier/network.

How to check balance with SBI Mobile Banking?

Send a text to 9223440000 with the following format.

<Sbal><UserId><Mpin>

Where <UserID> is your user id and <Mpin> is your mobile banking password.

For example, if my UserId is Karthik and my mobile banking pin was 12345, here is what the SMS will look like.

<Sbal>Karthik12345

How to get your user ID and Mobile Pin number with SBI Mobile Banking?

Send SMS to 9223440000 in the following format.

 <Mbsreg>

How to change mobile pin with SBI Mobile Banking?

Send SMS to 9223440000 in the following format.

<Smpin><UserId><Old Mpin><New Mpin>

How to get mini statement with SBI Mobile Banking?

Send SMS to 9223440000 in the following format.

<Smin><UserId><Mpin>

How to do mobile top up recharge with SBI Mobile Banking?

Send SMS to 9223440000 in the following format.

<Stopup><UserId><Mpin><telecom operator of beneficiary
Mobile><Mob no of beneficiary> <Amount>

How to do DTH recharge with SBI Mobile Banking?

Send SMS to 9223440000 in the following format.

<Sdth><UserId><Mpin><Service Provider><DTH serial
number><amount>

How to do Mobile top up with SBI Mobile Banking?

Send SMS to 9223440000 in the following format.

Smobitop><UserId><Mpin><WalletID><amount>

How to reset Mobile PIN with SBI Mobile Banking?

Send SMS to 9223440000 in the following format.

<Sfpin> <User ID>

For all the above requests, normal SMS charges from your carrier will apply.

Also read >  10 Best Debit Cards in India

Who can use SBI Mobile Banking for above services?

All Current/ Savings Bank Account holders in P segment are eligible.
Transaction limit per day is Rs. 1,000/- with a calendar month limit of Rs. 5,000/- . However, customers desiring to transact up to Rs. 5000/- per day or Rs 25,000/- per month may do so after obtaining a One Time Password (OTP).
As a precaution, Customers are requested to delete all the messages sent to the number 9223440000, once the response for their request has been received.


Hi, Mani Karthik here. Having lived in USA, India & Middle East, and worked for big MNC’s to startups, I have a lot to share with you. My aim is to help people, by sharing everything I’ve learned in life, through this blog. It’s read today by more than 150K people world over! I currently live in LA, California and visit India occasionally. Here’s my full story on who I am and why I blog. Connect with me on FBInstagram, Twitter or WhatsApp (+001-408-489-4785). Happy to help! 🙂

Got A Question? Ask Me Here! Get Help & Help Others


Got questions? Feel free to connect.

The One Single Thing
That'll Make You
Smarter, Richer & Happier!

Can I Tell You What It Is?

 

Good job!

Check your e-mail
for details...