State Bank of India Reviews 

​I am writing to express my extreme dissatisfaction and frustration with the standard of service provided by State Bank of India, spanning both physical branches and the digital platform, YONO. The overall experience is unacceptable for a bank of SBI’s stature.
​1. Slow and Inefficient Branch Service
​The time wasted at SBI branches due to agonizingly slow service is a significant public inconvenience. Simple transactions require excessive wait times, reflecting a profound lack of urgency in core operations. The service speed is outdated and demands an immediate overhaul of internal processes to respect customers' time.
​2. Arrogant and Unprofessional Staff Conduct
​The attitude displayed by staff members, particularly in counter services, is often arrogant and unhelpful. Instead of assistance, customers are frequently met with impatience and a dismissive demeanor. Staff appear reluctant to take ownership of customer queries, often directing individuals to multiple departments or employees without resolution. This unprofessional conduct is damaging to the bank's reputation and must be addressed through comprehensive customer service training.
​3. YONO App: A Technical Nightmare for Credit Card Applications
​The YONO app is advertised as a solution for digital banking, but its credit card application process is, simply put, the worst I have ever encountered.
​Technical Instability: The app is plagued with bugs, sessions expire randomly, and forms fail to submit, often forcing users to start the entire process over.
​Zero Transparency: Applications are often instantly rejected with no clear, actionable reason, even for customers with a long-standing relationship and excellent CIBIL scores.
​Confusing KYC: The digital KYC process is convoluted and frequently stalls, contradicting the promise of a "seamless" digital experience.
​The process is demotivating and fails the basic test of user experience. The SBI credit card application process through YONO is essentially non-functional and requires urgent technical remediation.
​Call to Action
​I demand that SBI takes immediate and serious action to:
​Improve branch operational efficiency and reduce customer wait times.
​Enforce strict professional conduct standards among staff.
​Fix the fundamental technical flaws and confusing process within the YONO app's credit card application workflow.
​A major bank should not be failing its customers so completely in both its physical and digital presence.

Pathetic and non supportive staff members.
I had to spend an entire day just to close my savings bank account.

I have deposited my cheque and FD on 15th October 2025. Also inform that its urgent to deposit the cheque and break the FD so that my policy premium will submit on time thats on 21st october. and they said yes its takes only half an hr to do it. Today on 24th october, I have to write this review and giving one star only. My FD still not credited to my account. We cannot trust them

I applied for a loan and it got sanctioned after 2 months. After that, they have not called me. I used to go occasionally but they were making it more difficult for me. The amount I am taking for the loan is 6 lakhs. After the sanction, I went to sign today and that is when I still have to submit some certificates and I got a pass for only 3 lakhs. When I took the loan or when I was running for it, they did not tell me that only this amount can be given to a person. I came to know this only at the end. Now I do not know what to do. I decided to take a loan and study by trusting them. I want to take a case and pay it. Their service is very bad. No one should trust them. No child should get cheated like me.

Worst bank of the universe.please customer don't go or Eve open account with this worst bank

Dear all Don't open any account in State bank of India they can't give any proper service,, im from Gulbarga District Sedam taluka near malkhed its a small village Sangavi (M) i working in raichur, account opened in raichur SBI Rims branch salary purpose account opened but they can't any proper service

I had deposited my cheque on 13th Oct. 2025 and even till today it is not cleared . 16th onward is diwali . Bank officials are uncertain about clearing due to new system introduced by RBI. i cannot even ask payee to transfer money through gpay as it is debited from his account. My account number is 30535814113 which is not yet credited. RBI could not have taken risk of introducing new cheque clearing system at the time of diwali. Spoiled whole diwali.

It is the worst bank. Don't waste your time here. They misguide people into taking their policies. They are just fraud.

The maintenance is not good, we are waiting for 3 hours. The Coordination is not good.

Totally disgusting service.
Don't take a chance.
Go with other banking network.

From top to bottom all just taking salary because it's a part of indian government system, have permanent Job do or don't but salary will be credited in SBI employees account.

Employees like hell even don't know how to talk.

Worst bank no internet for Online service even GPay not working always bank network down ,what the shit is this employees doing idiot sitting simply,no improvement even after 5g arrived

Such a lame bank .
They charge ECH even though you have have paid your EMI's

Govt should close public sector banks like SBI which is a huge liability on country. The so called Sarkari banks have no sense, no functioning, no customer support, crippled IT systems with incorrect data. Customer gets only frustration at the end while these banks gets funding from govt for loosing taxpayers money in frauds.

State Bank of India Dona Paula Branch Goa 03566

My late husband’s SBI account at Dona Paula Branch was transferred to my name 3 years ago. Despite repeatedly submitting updated KYC documents, the registered email still shows my late husband’s ID.

Recently, I urgently needed a Demand Draft issued to pay my insurance company before the deadline. My debit card had expired, I had no cheque book, and I don’t have internet banking. I submitted all required self-attested documents and requested Branch Manager Monika Srivastava to debit my account and issue a D.D. Instead of helping, she gave excuses, insisted I must appear physically at the branch (I live overseas), and even hung up on me during a call. She kept misleading me by sending transfer forms despite being told my insurance company only accepts a D.D.

Because of her negligence, lack of empathy, and refusal to act, I now risk losing my insurance cover and facing penalties. Other banks, like Canara Bank, have helped in similar situations with no issue. Managers like Ms.Monika Srivastava are a disgrace to SBI, and I urge SBI to take strict action and provide proper support to its customers in genuine need.

Very bad service

If there is negative rating, I would give it to SBI, why even single star? For even a simple transfer, they don’t respond. Software is pathetic. Why this banks are not nationalised?

It is very disappointing that SBI is charging old-age pensioners for issuing life existence certificates. These senior citizens have worked hard all their lives and depend on their small pensions for survival. Instead of supporting them, the bank is burdening them with unnecessary charges. At the same time, banks often write off huge loans of millionaires but take money from ordinary people. This is unfair and disheartening. Banks should treat pensioners with respect and provide this basic service free of cost.

It was my first visit to SBI on York st in Toronto. I was absolutely impressed with the complete and polite service. Instructions were complete and my concerns were taken care of in no time. Didnt have to wait even for one minute. I am really surprised and disappointed with the negative reviews.

Bank is okay, get the job done.