For Example, Ravi, a 30-year-old marketing executive from Pune. He was juggling a busy work schedule and didn’t have time to visit a bank. So, he decided to open an SBI savings account online. In just a few hours, he did everything from his phone! Here’s how it went:

7:00 PM: Ravi downloaded the YONO SBI app and filled in his PAN and Aadhaar details.
10:00 AM (next day): Completed a 10-minute video KYC call.
2:00 PM: His account was activated, and Ravi was able to pay his ₹1,200 phone bill, transfer ₹10,000 to his parents, and check his balance—all without stepping foot in a bank! Isn’t it interesting how fast and easy it is?

Key benefits:

No branch visit needed
Quick video KYC
24/7 mobile banking

See? Opening an SBI account online is a breeze!

Read More – How to Activate SBI Net Banking

What is an SBI Account?

For Example, Ravi, a school teacher in Jaipur, opened an SBI Savings Bank Account with ₹5,000. He received a debit card, SMS alerts, and access to the YONO app. His brother Raj, working in Dubai, opened an NRE account to send ₹50,000 monthly to support their parents in India. Ravi’s friend Priya, who runs a boutique, opened a Current Account to handle daily business transactions over ₹1,00,000.

Types of SBI Accounts:

Savings Accounts: For individuals to save and earn interest.
Current Accounts: For frequent business transactions.
Salary Accounts: For salaried individuals, often a zero balance.

Account Type	Features	Ideal For
Savings Account	Interest, ATM, Mobile Banking	General Public
Insta Plus Account	Video KYC, Paperless setup	Digital Users
NRE/NRO Account	For NRIs, foreign income	Non-Residents
Current Account	High transaction limits, no interest	Businesses
Salary Account	Zero balance, special offers	Employees

Who Can Open an SBI Account Online?

For Example, Meena, 25, lives in Pune and wants to open an SBI savings account. She has her Aadhaar, PAN card, and an active local mobile number linked to her Aadhaar. Her friend Akash, 19, also wants to open an account but doesn’t have a PAN card yet.

So, he opts for the Small SBI Basic Savings Bank Deposit Account, which requires minimal KYC.

They visit SBI’s online portal. Meena completes her e-KYC with Aadhaar OTP, fills her details, and activates her account through video KYC. Akash submits a self-declaration and later visits the branch with documents.

Key Points:

Must be a resident Indian, aged 18+
Aadhaar & PAN are mandatory for full KYC accounts
Mobile number & email must be active
No foreign tax liabilities

Here’s the table with brief explanations for each row to help you understand the differences clearly:

Criteria	Meena (Full KYC Account)	Akash (Small Account)
Age	25 years old – eligible for a regular savings account	19 years old – also eligible, but chose a basic option
PAN Card	Has a valid PAN – required for full KYC	Doesn’t have PAN – opted for an account that allows minimal KYC
Aadhaar Linked Mobile	Yes – mobile number linked to Aadhaar for OTP verification	Yes – required even for basic account registration
Account Type	SBI Savings Bank Account – standard features like ATM, YONO	Small Savings Account – basic services, limited features
KYC Type	Full KYC done via video verification online	Minimal KYC – requires a branch visit later for the full upgrade

Documents Required to Open an SBI Account Online

Here's the information about the documents required to open an SBI Account online:

Requirement	Details / Acceptable Documents
Proof of Identity (POI)	Aadhaar Card, Passport, Voter ID, PAN Card, Driving License
Proof of Address (POA)	Aadhaar Card, Passport, Voter ID, Utility Bills (electricity, phone), Ration Card
Account Opening Form	Duly filled with personal and nominee details
Photographs	Two recent passport-sized colour photographs
PAN Card / Form 60	Mandatory for account opening (Form 60 if PAN not available)
Additional for Minors	Birth certificate and guardian’s ID/address proof
For Salaried Individuals	Salary slip, employment letter, and recent bank statement
For Self-Employed Individuals	Business address proof, business card, and recent business transaction statements

How to Open an SBI Account Online via the SBI YONO App?

Download the YONO SBI App:

Get the YONO SBI app from the Google Play Store or Apple App Store.
Install it on your smartphone.

Register or Log In:

If you’re new, tap on ‘New to SBI’ and sign up with your basic details.
Existing users can log in with their credentials.

Start Account Opening Process:

On the home screen, choose ‘Open Savings Account.’
Select ‘Without Branch Visit’, then choose ‘Savings Account through Video KYC.’

Fill in Your Details:

Enter your PAN and Aadhaar numbers.
Verify Aadhaar with the OTP sent to your registered mobile number.
Fill in your personal, contact, and income details.

Schedule a Video KYC:

Pick a convenient date and time for a video call with an SBI officer.

Complete the Video KYC:

At the scheduled time, open the app and tap on ‘Resume.’
Join the video call and follow the representative’s instructions.

Account Activation:

After successful KYC, your Insta Plus Savings Account will be created.
Debit transactions will be enabled once the bank verifies all details.

How to Open an SBI Account Online via the SBI Net Banking?

Step 1: Register for SBI Net Banking

Visit the official SBI website: https://www.onlinesbi.com
Click on “New User Registration” under the Personal Banking section.
Enter required details like Account Number, CIF Number, Branch Code, and Registered Mobile Number.
Enter the Captcha Code, and click on the ‘Submit’ button.
Verify your identity using the OTP sent to your mobile.
If you have an SBI ATM card, complete the registration online to activate your net banking immediately.

Step 2: Apply for a Savings Account Online

Log in to your Online SBI account using your username and password.
Go to the ‘Account Opening’ section under ‘Personal Banking.’
Choose the ‘Apply for Savings Account’ option.
Fill in the application form with your personal and contact details.
Upload the required documents like PAN Card, Aadhar Card, and a Photograph.
Submit the form online.
You may need to visit the branch for KYC verification and make the initial deposit (if required).

What Is Video KYC and How Does It Work?

Anjali, a 28-year-old IT worker in Hyderabad, was too busy to visit the bank. So, she downloaded the YONO SBI app to open a savings account. She entered her PAN and Aadhaar, then booked a video call for 10:30 AM. During the 10-minute call, she showed her ID, address, and gave her signature. The bank officer took her photo. Just 2 hours later, her account was ready and active.

Key Highlights of Video KYC:

Saves time with no branch visit needed
Quick verification via a 10–15 min video call
Safe and secure with real-time checks
Ideal for working professionals or remote users

Step	What Happens
Start Process	Begin via app or website
Schedule Call	Choose a date/time for video KYC
Show Documents	Display Aadhaar, PAN, and address proof
Live Verification	Signature & photo captured by an officer
KYC Completion	Verified data processed, account activated soon after

What Are the Charges for Opening an SBI Account Online?

Opening an SBI savings account online is free. There are no charges to open the account, but you may have to pay for some services like using other bank ATMs, getting demand drafts, banker's cheques, or printed bank statements.

Here is the information rewritten in a clear and simple table format:

Also Read – SBI ATM PIN Generation

Charge Type	Details
Debit Card Maintenance	The annual fee depends on card type (e.g., Gold, Platinum). GST applicable.
ATM Withdrawals	Free up to a limit. Beyond that, fees apply at SBI and higher charges at other bank ATMs.
Bank Statement (Duplicate)	Charged per page based on the number of entries.
Cheque Book	Free cheque leaves per quarter. Extra leaves are charged per leaf or book.
Minimum Balance (MAB)	Charges apply if the minimum average balance is not maintained.
Cash Deposit (Other Branch)	Fees may apply when cash is deposited at a non-home branch.
Demand Drafts & Others	Specific fees apply based on transaction type and amount.
SMS Alerts	Usually free for basic account transactions. Premium alerts may have charges.

What Are the Benefits of Opening an SBI Account Online?

Let’s say Ravi, a 30-year-old marketing executive in Pune, wanted to open a savings account but had no time to visit a bank. On Monday at 7:00 PM, he downloaded the YONO SBI app from home, filled in his PAN and Aadhaar details, and booked a video KYC for 10:00 AM on Tuesday.

The whole call took just 10 minutes. By 2:00 PM, he received a message saying his account was active. Now, Ravi easily pays his ₹1,200 phone bill, transfers ₹10,000 to his parents, and checks his balance through his phone—all without visiting a branch!

Key Benefits of Opening an SBI Account Online:

Quick & paperless process
Access to net banking, YONO, and mobile banking
No need to visit a bank
Video KYC adds extra convenience
Secure and user-friendly

Feature	Benefit
Online Opening	No branch visit needed
YONO App	Mobile banking at your fingertips
Video KYC	Fast and remote identity check
Fund Transfers	Send money anytime
Bill Payments	Pay utilities from your phone
SMS Alerts	Instant updates on transactions

Conclusion

Opening an SBI account online is fast and easy! You can do it from home using the YONO app or net banking. No need to visit a branch, and the video KYC is quick. You can manage your money anytime with mobile banking. It’s safe, simple, and free to open. Want to open your SBI account? It’s just a few steps away!