YONO SBI vs Axis Mobile: App stability, permissions and complaints compared
YONO SBI and Axis Mobile are the official banking apps for two of India's largest banks. While Axis Mobile holds a higher lifetime rating, recent reviews for both average below 3.0. This guide compares their stability, phone permissions, and real user complaints to show how they differ.
By Qrates research desk · 2026-10-27
Quick answer
Both are official, licensed banking apps published by their respective banks. Axis Mobile has a higher lifetime Google Play rating of 4.78 compared to 4.20 for YONO SBI. However, both apps have seen their average rating drop below 3.0 in the last 90 days. YONO SBI users report more app crashes, while Axis Mobile users report more in-app cross-selling.
At a glance: YONO SBI vs Axis Mobile
You can check the live complaint counts and permission lists on the Qrates directory pages for YONO SBI and Axis Mobile. You can also view a detailed comparison of IPPB, YONO SBI, and Axis Mobile to see how they stack up against other players.
| Feature | YONO SBI | Axis Mobile |
|---|---|---|
| Publisher | State Bank of India | Axis Bank Ltd. |
| Active licence | ATM network operator | None verified |
| Installs | 10 crore+ | 5 crore+ |
| Lifetime rating | 4.20 | 4.78 |
| Recent 90-day rating | 2.70 | 2.90 |
| Top complaint | App breaks (23 of 400 reviews) | App breaks (12 of 397 reviews) |
App stability and recent user ratings
Recent ratings give a clearer picture of how an app works today. YONO SBI holds a 90-day recent review average of 2.70 on Google Play (Qrates directory). Out of 400 recent reviews read, 23 users complained that the app breaks.
Axis Mobile holds a slightly higher 90-day average of 2.90. Out of 397 recent reviews read, 12 users complained that the app breaks. YONO SBI pushes updates frequently, with 0 days since the last update. Axis Mobile updates less often, showing 32 days since its last update.
Phone permissions and privacy
Both banking apps require broad access to your phone to function. They both ask for permission to read your contacts, read your text messages, and record audio (Qrates directory). They also require access to see your location and read your phone identity.
Axis Mobile requests one additional permission that YONO SBI does not. It asks for the ability to read your calendar.
What users complain about most
Customer reviews show different pain points for each app. For YONO SBI, 8 out of 400 recent reviews complain that nobody answers customer support. Another 4 users report being pushed into things. If you ever face significant issues with your bank, you might need to know how to file a complaint with the RBI Ombudsman.
For Axis Mobile, 9 out of 397 recent reviews complain about too much selling inside the app. Another 4 users say nobody answers their support requests. Both banks actively monitor this feedback. They both reply to 100 percent of one and two-star reviews on the Google Play store.
Who each one suits, by need
If app stability matters to you, note that Axis Mobile has fewer recent complaints about the app breaking.
If limiting phone permissions matters to you, note that YONO SBI does not ask to read your calendar.
If avoiding in-app sales pitches matters to you, note that Axis Mobile has more complaints about too much selling inside. You can browse every money app in India to find alternatives if these features do not meet your needs.
FAQs
Which app is better YONO SBI or Axis Mobile?
Axis Mobile has a higher lifetime rating of 4.78 on Google Play, compared to 4.20 for YONO SBI. However, both apps have recent 90-day averages under 3.0. YONO SBI has more complaints about the app breaking, while Axis Mobile has more complaints about in-app selling.
Is YONO SBI safe to use?
YONO SBI is published by the State Bank of India, which holds an active ATM network operator licence (Qrates directory). The app requires permissions to read your contacts, text messages, phone identity, and location. It also asks to record audio.
What are the hidden charges in Axis mobile banking?
The app itself is free to download and install. Any transaction charges, fund transfer limits, or service fees depend on your specific bank account type. You can find the exact fees in the official Axis Bank schedule of charges.
Can I use YONO SBI without ATM card?
You need your internet banking username and password to register for YONO SBI without an ATM card. If you do not have internet banking, you can register using your account details and branch activation. The app will guide you through the official steps required to link your account.
The short version
- Axis Mobile has a higher overall rating but asks for calendar access and gets complaints about cross-selling.
- YONO SBI has more installs but lower recent ratings and more complaints about the app breaking.
- Both apps reply to 100 percent of negative reviews on the Google Play store.
- Both apps require access to your SMS, contacts, and location to function.
Sources
- Publications | Official Website of Reserve Bank of India
- terms and conditions of open by axis bank mobile app (PDF, axisbank.com)
- Axis Bank Sitemap - Explore All Products, Services & Offers
- YONO SBI review: charges, licences and safety | Qrates
- Axis Mobile review: charges, licences and safety | Qrates
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- Data breach: SBI admits exposure of its customer data on the Dark Web - The Hindu
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Disclaimer
Qrates is an information directory. It takes no commission from any company listed and does not recommend products. Figures are taken from the sources named and dated, and they change; check the company's own page before you decide. This is not investment, credit, insurance or tax advice for your situation.