For the first time in India, the country's largest bank SBI has made it possible for the accountholders to withdraw cash from ATMs even without the debit card. Card less cash withdrawals have been made possible through SBI YONO app which can be downloaded or accessd through the SBI Yono website and put to use when one is not carrying the card but needs cash. In addition, YONO SBI may be used to do banking activities, investing, buying insurance, paying bills or booking IRCTC tickets and getting loans or even do some shopping. In one single app, you can manage all your money related transactions and anything to do with your finances. 1. Banking activities For basic banking transactions such as checking your account balance, creating a fixed deposit, adding beneficiary etc., one need not log on to the net banking of the SBI, but all those activities may be done through the SBI YONO app itself. In addition, one may request Cheque Books, debit cards or use the emergency services to change ATM PIN, block debit cards or stop cheques, by accessing the YONO app. A unique feature is that it allows immediate transfer to a newly-added beneficiary for an amount up to Rs 10,000. 2. Get loans If you are in need of a home loan, car loan or education loan, the YONO app caries all the details and even helps you apply online. Based on your relationship with the bank, you may even get pre-approved personal loans with no documentation up to Rs 5 lakh 3.Use SIA Bot If you are accessing the YONO facility through its website, the SIA Bot may be used to get all your queries answered even without calling up the SBI helpline Services. SIA Bot is an automated help available on the bottom right corner of the website and provides information on savings account, deposits, bill payments, pre-approved loans, shopping, investments, interest rates, credit cards, insurance etc. 4. One view dashboard The YONO app gives you a single window view of all your investments, cards, insurance and banking transactions. This saves the hassle from accessing different websites and places to know your current financial standings. 5. Shopping The YONO app or the Web portal is a marketplace where one can shop for products from a number of leading e-commerce companies, buy travel and movie tickets, subscribe for various services provided by Merchants on the platform. Knowing how and where all you spend helps one to keep the expense under control. With YONO, you get an overview of your expenditure through the 'Intelligent spend analysis' feature, which automatically tags and categories your transactions.