SBI Online Banking

Online banking is a banking method that is performed electronically via the Internet. It is also an electronic payment system. It benefits the customers of a bank or other financial institutions to conduct a wide range of financial transactions through the financial institution’s website.

Online banking came to practice as it benefits customers with higher interest rates and lowers fees. The banks wouldn’t have to pay for the physical branches or employees to staff them. It has been proved better than traditional banking because it is convenient. Every user can perform the transaction using the bank’s website.

It is the easiest way to perform transactions, and banks have shifted over to the online banking to provide the service to its customers, rather than doing the transactions manually. Below is the guide to online banking procedures of SBI Bank India. The users interact with the banking systems for the first time by logging in the website and record their information for future transactions.

Step 1:

First, a user should obtain an Account Kit from their state bank. Account kit means those kits or things that a bank usually gives to the new customers after opening an account in their bank. An account kit includes a welcome letter, debit card, the pin of debit card and so on. It also contains their first-time login credentials (which they need to change afterward) and Kit number. Kit number is an alphanumeric code printed on the kit which the user collects from their respective branch to activate Internet banking.

The kit given to the customer by SBI bank is shown below. The black area contains the one-time login username and password of the user.

SBI Bank Activation Kit

Step 2:

Open the browser. Login to Make sure that you’ve entered the secure website by entering the correct link. Click on the link displayed at first in the google browser option. It displays the official website of the bank. Then check if the connection is secure or not by clicking the topmost https area.

Step 3:

There are two options to log in for personal banking and corporate banking. Majority of users use personal banking. Click on the login button and the page to display the personal login page. Again, click on the login interface to proceed further as shown in the figure below.



Step 4:

Enter the provided username and password. The information is available behind the black patch of paper on the kit. The field is case sensitive, therefore enter the details correctly as provided in the kit and click login.

Step 5:

After logging in, the system asks to create a new username, where the user can find different available username options (*note that the username is case sensitive, and you cannot change it after it is created). Enter the kit number which is present in the topmost area of the kit. Then by accepting the terms and conditions, you submit the information to proceed further.

SBI Create New UserName

The website loads a new interface. The user should create a new login password as requested. A password must be longer than 8 characters consisting of a numeric character, both capital and small letters and a special symbol. After entering and confirming the new password, confirm the password.


Step 6:

Next, the user should create a profile password to complete the transaction. Ensure that the profile password should be different from the login password. To recover the password in case of login failure, click the security question from the option provided and provide an answer. Enter the mobile number along with the date and place of birth. Then you can see the success message after setting the profile password. It informs the user that the login procedure has been completed.


Step 7:

This completes the first-time login of internet banking. If you wish to log out from the page, note down all the credentials. You can again login by providing the credentials if you wish to make a transaction or acquire internet banking services in the future.

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