YONO SBI vs bob World: App features, UPI limits and complaints in 2026

YONO SBI and bob World are the official mobile banking apps for India's two largest public sector banks. Both apps require the exact same phone permissions and face similar user complaints about the app breaking during use. See how their features, UPI limits, and recent updates compare.

By Qrates research desk · 2026-10-27

YONO SBI and bob World are the official mobile banking apps for India's two largest public sector banks. Both apps require the exact same phone permissions and face similar user complaints about the app breaking during use. YONO SBI has over 10 crore installs and was updated 0 days ago, while bob World has over 5 crore installs and was last updated 60 days ago (Qrates directory). You can check live ratings, permissions, and recent user complaints for these and other products on the banking apps and neobanks directory page.

At a glance: YONO SBI vs bob World

This table compares the two apps side by side using data from the Qrates directory. You can also compare other products directly on the compare money apps page.

Feature	YONO SBI	bob World
Licences	ATM network operator, IRDAI corporate agent CA0003	IRDAI corporate agent CA0004
Overall Google Play rating	4.20 from 30,67,192 ratings	4.29 from 12,83,375 ratings
Recent 90-day rating average	2.70	2.05
Top complaints	App breaks (23 of 400 reviews), Nobody answers (8 of 400 reviews)	App breaks (19 of 400 reviews), Nobody answers (4 of 400 reviews)
Top praises	Easy to use (11 of 400 Play Store reviews, 13 of 300 App Store reviews)	Easy to use (6 of 400 Play Store reviews, 12 of 300 App Store reviews)

App stability and recent updates

Both apps show a drop in user satisfaction over the last 90 days. YONO SBI averages a score of 2.70, while bob World averages 2.05 (Qrates directory). The most common issue raised by users for both platforms is that the app breaks.

This stability issue appears in 23 out of 400 recent Google Play reviews for YONO SBI. It also shows up in 19 out of 400 recent reviews for bob World (Qrates directory). Another frequent complaint is that nobody answers customer support queries through the app. For a broader perspective, you can read our YONO SBI vs Axis Mobile analysis to see how these stability issues compare to private sector alternatives.

State Bank of India pushes updates to its app more frequently to address these bugs. The last YONO SBI update was 0 days ago, compared to 60 days for Bank of Baroda's bob World. Both banks reply to almost all negative feedback on the app store to manage user frustration.

YONO SBI replies to 100 percent of one and two-star reviews from the 400 reviews read. Bank of Baroda replies to 98 percent of negative reviews for bob World (Qrates directory). Despite the complaints, users frequently praise both apps for being easy to use when they function correctly.

Phone permissions and data access

Both apps ask for the exact same five permissions on your phone to function (Qrates directory). They will read your contacts, read your text messages, record audio, see your location, and read your phone identity. You must grant these permissions during setup to use the core mobile banking features.

Reading text messages and phone identity is standard practice for banking apps in India. The apps use this access to verify your active SIM card and securely bind the device to your bank account. This prevents unauthorized access from other mobile phones.

Location access is primarily used to help you find nearby ATMs and bank branches. Audio recording is often tied to voice search features within the apps. Neither app requests access to your camera or your personal files based on the current Google Play store data.

UPI limits and 2026 tax payment rules

Both apps support UPI payments and allow you to manage your daily fund transfer limits directly from the settings menu. Recent 2026 updates allow UPI payments up to ₹5 lakh for specific categories like tax payments and hospital bills (pib.gov.in). Standard limits still apply for regular peer-to-peer transfers to friends or local merchants.

You will pay standard IMPS, NEFT, and RTGS charges when you transfer money outside the UPI network. These electronic transfer methods are useful when you exceed your daily UPI limits. You can find the exact fee structure on the official bank portals (onlinesbi.sbi, bankofbaroda.in).

Both apps allow you to scan merchant QR codes and send money directly from your linked bank account. You can also view your transaction history and track your daily UPI spending limits within the app interfaces.

Who each one suits, by need

If frequent app updates matter to you, note that YONO SBI was updated 0 days ago. Bank of Baroda users wait longer for software fixes, as bob World was updated 60 days ago (Qrates directory). If you are considering other public sector options, our IPPB Mobile Banking vs bob World comparison provides additional context on app performance.

If you want a highly rated app based on lifetime scores, note that bob World has a 4.29 overall rating. This is slightly higher than the 4.20 overall rating for YONO SBI. However, both apps have over 5 crore and 10 crore installs respectively, making them widely tested by the public.

If recent app stability is your main concern, note that both apps have low 90-day averages. YONO SBI scores 2.70 and bob World scores 2.05 in recent reviews. They also share similar complaint rates for the app breaking during routine banking tasks.

If you need customer support through the app store, note that both banks reply to nearly all negative reviews. State Bank of India replies to 100 percent of complaints, and Bank of Baroda replies to 98 percent. If you ever face unresolved issues, remember that you can file a complaint with the RBI Ombudsman if internal bank channels fail.

FAQs

What are the hidden charges in bob World?

The app itself is free to download and use on your phone. However, standard Bank of Baroda account fees apply for IMPS transfers, debit card annual maintenance, and SMS alerts (bankofbaroda.in). You will pay the usual network charges when you move money outside of the free UPI system.

Is bob World safe to use?

The app is published directly by Bank of Baroda and serves as their official mobile banking platform. Bank of Baroda also holds an active IRDAI corporate agent licence under the number CA0004. You can verify its required phone permissions on the Google Play store before installing.

How to open an SBI account through the YONO app?

You can open a zero balance account completely online using the YONO SBI app. The process requires an active Aadhaar number and a PAN card for identity verification (onlinesbi.sbi). You will need to complete a video KYC call within the app to activate the account fully.

Can I use both YONO and bob World on the same phone?

You can install both apps on a single phone without any software conflicts. The only requirement is that the mobile number linked to each respective bank account must be active on that device. The apps need to send an SMS from that SIM card to verify your identity during the first login.

The short version

YONO SBI and bob World offer similar mobile banking features and require the exact same five data permissions on your phone.
YONO SBI receives more frequent software updates, but users of both apps frequently complain about the platforms breaking during use.
Both apps support the latest UPI limits, allowing transfers up to ₹5 lakh for tax and hospital payments.
Your choice depends entirely on whether you hold a savings account with State Bank of India or Bank of Baroda.

Sources

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.