Launched on 16-03-2019, YONO Cash is a unique feature available in the YONO platform (both on the App as well as the online portal). It enables an account holder to withdraw money instantly from any of the SBI ATMs and most of SBIs Merchant POS terminals or Customer Service Points (CSPs) within India without using any physical card or filling up any physical withdrawal slip.
The YONO user simply needs to login to the YONO platform and use the YONO Cash feature to generate a reference number and create a dynamic PIN for the cash withdrawal. Customer can then use the same to complete the transaction and withdraw/obtain the cash from any of the channels i.e. ATM, POS terminal or CSP.
The solution is unique because of multiple reasons.
It is Convenient: It enables customers to withdraw cash from ATMs, POS or CSPs even if they forget their wallets at home and only carrying their phone. The YONO Cash transactions are counted over and above the ATM withdrawal
It is environment friendly: Total elimination of plastic cards
It is Secure: Eliminates most of the risks associated with physical cards like no risk of shoulder surfing, no card trapping, no card skimming risk, no lost card/pin. The PIN is generated dynamically for every transaction.
Steps to be followed in the app
Login to the YONO App Using 6 Digit MPIN
On Home page click on the YONO Pay button and select YONO Cash
Click on the ATM option under YONO Cash
Select the debit account and enter the amount. Click on Next.
Create your YONO Cash PIN and click on Next
Review the transaction details, accept the Terms and Conditions and click on Confirm
YONO Cash Reference Number will be sent to your registered mobile number and email ID. It will be valid for 4 hours.
You can also view the Nearest YONO Cash Points.
Steps to be followed at the ATM
At the ATM, click on YONO CASH
Enter the YONO Cash Transaction Number received through SMS and email
Enter the Amount. Amount should be same as entered during generation of Transaction Reference Number.
Checksum are mainly used for validating the data/file integrity. It assures the receiver that data/files shared to them are not compromised.
YONO SBI - Active Application Checksum
Platform
App Version
SHA-1 Hash
Android
1.23.68
059f058b8068b81b75f14be43e9c7a86bab9f2cc
Android
1.23.67
c5eb24971e28ba57bb4d3f7212ee4da06b3435ff
Android
1.23.66
0b270d6b5d74762cbd72253d9bf694234e53f3f4
iOS
1.23.68
ce871fe6353c144b9c1efc43f7fe088cdd51ec10
iOS
1.23.67
1aca8b342dc22efb06495dbfbaf0ea8b6aa9a16e
iOS
1.23.66
29f48b96830bd7d719eb3335728ee571b1c33f71
Benefits of Checksum:
Integrity of file content may be verified.
It can be verified that the file has not been changed by any unauthorized third party before or during transmission and the received file is complete and accurate in nature.
This acts as signature of file.
Disclaimer: Bank never shares the Mobile apps over Email, WhatsApp or SMS. Always download the SBI Mobile apps from Google Play Store (Android) or Apple App Store (iOS).
