State Bank Freedom is Mobile Banking Service provided by State Bank Group. It helps you to do following banking transactions:
State Bank Freedom provides you a convenient way to carry out transactions from anywhere, anytime and this service is absolutely free to the SBI customers. However, you have to pay SMS charges to your service providers for sending instructions to the Bank through your mobile phone. These charges will be approx. Re1/- per SMS or as per the plan availed by you.
It helps customers to conduct banking transactions 24x7 at his/her convenience from any place (Anywhere Banking) just by the use of a mobile phone.
This service is available to all SBI customers having an operative savings bank or current account. The Service is now extended to SME customers also, but with Enquiry rights only. Please refer to the process of registration detailed under "Registration Process".
If you have registered at ATM, the account for which the Debit Card was first issued will be enabled for the Mobile Banking Service. If you want to enable your other Savings/Current accounts, please approach the home branch of your primary account. If you have registered at your branch, you can enable up to five Savings/ Current accounts for Mobile Banking Service, provided you are authorized to operate these accounts.
Yes, the service is available round the clock.
No, SBI provides this service free of cost. However, you have to pay SMS charges to your service providers for sending instructions to the Bank through your mobile phone. These charges will be approx. Re1/- per SMS or as per the plan availed (. Please contact your Cellular Service Provider to know the exact cost for SMS which may be different for each service provider.
Yes. Following are the transaction limits for SBI and Associate Banks.
No it is not available overseas.
This facility is available across all service providers.
Yes, the future services would involve more m-Commerce transactions like purchase of movie tickets, air/train tickets, etc.
The Mobile Banking Services works over two modes: (i) a Java based application which is downloaded onto your mobile handset. The services are Menu driven and the requests are sent to the Bank using SMS/ GPRS facility (ii) Through Smartphone application for customers having any mobile with GPRS connection. This is also menu driven. The service for non java, non GPRS mobile have been made available over NUUP. (Please refer to FAQ for NUUP) and through SMS Banking.
In the application based service, all messages originating from your mobile phone are encrypted and travel to our Mobile Banking Server in secured mode. The encryption methodology used is 256 bit AES technology.
De-register from ATM as follows: Swipe ATM Card > Choose Mobile Registration > Enter your ATM PIN > Choose Mobile Banking > Select Deregistration > Give your mobile number which was used for registering > Choose Confirm. Please do not forget to call your service provider to block your SIM.
Yes. It is independent of Internet Banking Services of SBI.
Please follow instructions provided by your Mobile service provider.
Yes, you can if your mobile is enabled for GPRS. First time users has to complete the registration process through “Register” option on home page. After GPRS activation and user has to complete registration either through Branch or ATM/INB. You will get a message that mobile banking has been enabled over GPRS and your account is activated for mobile banking service.
User id is a unique identification factor consisting of 6 or 7 alphanumeric characters.
For downloading the application on the android based handset, please follow the steps:
For downloading the application on the iOS handset, please follow the steps:
For downloading the application on the Windows phone, please follow the steps:
For downloading the application on the BlackBerry Smartphone, please follow the steps:
With State Bank Freedom you initiate and authorize each and every payment that is made from your account. If you share your phone with another person, make sure you exit from the State Bank Freedom application on your mobile phone. Also do NOT share your User ID / MPIN with anyone.
You are receiving this message because the date and time at which your request is reaching the server is not correct. Other requests sent earlier have reached at a date and time after the present request. The reason could be that you have removed the battery or SIM of your mobile phone and then replaced it. When this is done, the date and time are reset to the default mode which was there at the time of manufacture of the device.
To rectify this error please follow the steps given below:
If you still get the same error message, please follow the steps given below:
Yes, the MPIN can be changed any time. If user is logged in State Bank Freedom application. Go to Profile Settings > Choose Change MPIN > Enter old MPIN> Enter new MPIN > Confirm new MPIN > Change. However, to use the application for the first time, it is mandatory for you to change the default MPIN and set your own MPIN through “Register” option on home page.
Yes, it is necessary.
MPIN should have only 6 characters. It should be combination of alpha numeric and special characters.
Yes, it is mandatory. You cannot use the services without first changing the default MPIN to one of your choice.
Please send SMS SFMPIN to 9223440000 from registered mobile number to receive new MPIN. Change the default MPIN and set your own MPIN through “Register” option on home page. Complete GRPS activation and Validation after forgot MPIN through Branch/ INB / ATM.
You need to first change the default MPIN that you received over SMS. You have to activate your account at any SBI ATM or your Branch or INB. At ATM > Swipe your Debit card > choose Mobile Registration > enter your ATM PIN > select Mobile Banking > Registration > enter your mobile number > choose yes. Confirm the number when it is displayed over the ATM screen. You will get a SMS regarding activation of your account.
In INB > go to e-Services > select State Bank Freedom from left panel > Registration > Select Account number > enter Mobile Banking User ID & Mobile Number > continue > enter profile password if prompted. You will get a SMS regarding activation of your account.
At ATM > Swipe your Debit card > choose Mobile Registration > enter your ATM PIN > select Mobile Banking > Registration > enter 10 digit mobile number > confirm the same. You will get a SMS regarding activation of your account.
Only one user can register and access his accounts on a particular mobile phone.
You can terminate the service by selecting the post-login option 'Deregister Mobile Banking Service' in the Profile Settings Menu of your application. You can de-register at ATM as follows: Swipe ATM Card > Choose Mobile Registration > Enter your ATM PIN > Choose Mobile Banking > Select Deregistration > Give your mobile number which was used for registering > Choose Confirm. You can also deregister by sending SMS SDEREG to 9223440000 from your registered mobile number.
Yes, if service is not used for six months, it will be deactivated. To avail the mobile banking service you will need to register afresh.
You might have used the "FORGOT MPIN" option. When you use this option, a default MPIN is sent to you by SMS. You have to change the MPIN. After changing the MPIN, You have to register/revalidate at the INB or ATM or Branch. You will be activated again.
Your account is locked because wrong MPIN was entered three times. The User will be automatically unlocked on the next Calendar Day.
Please exercise the option for "Forgot MPIN" again. Please send SMS SFMPIN to 9223440000 from registered mobile number to receive new MPIN. Change the default MPIN and set your own MPIN through “Register” option on home page. Complete GRPS activation and Validation after forgot MPIN through INB / ATM / Branch to get activated immediately. You can use the same User ID. The swiping of a wrong card had invalidated the steps you followed earlier for "forgot MPIN".
MANAGE SELF ACCOUNTS
If you have enabled more than one account for Mobile Banking Services, then you have to link all these accounts from branch and will be displayed under this option. You can debit these accounts and you can also enquire the balance / get mini statement of these accounts. Please note that five accounts may be enabled for the services through branch.
You have to first register for additional accounts at your branch. Accounts will be linked on the next working day.
This is to ensure that you don't have to enter the information every time. You can choose the nickname from drop down menu. Nicknames are used to differentiate your accounts in Mobile Banking. Nicknames are easier to remember - they are also more secure.
You can do three types of transactions:
Self-accounts are your accounts that have been enabled for Mobile Banking Service.
Yes you can. Please Add the required accounts as Payee under "Funds Transfer – Add Payee". Then you can transfer funds to these accounts after auto activation. Please refer to the User Guide.
IFS code is an alpha numeric code –a unique identification number given by RBI, printed on the face of cheque book and over each cheque leaf. Also you can find on Passbook.
Other Bank account payee is an account which is maintained by another bank. The money is transferred to accounts with other bank by using NEFT and all the information asked for is mandatory for such transfer of funds.
No. Please take enough care to enter the correct name of the payee as it appears in the other Bank's records. Otherwise, the funds transfer is likely to be rejected for the reason customer's name not matching.
This is to ensure that you do not, by mistake, send more than the stipulated amount to the payee. Your mobile handset will prompt you if you enter more than the maximum limit for any fund transfer.
Yes, you can. Go to ‘Fund Transfer’ select 'Manage Payee'. Select Payee Type from dropdown and then tap on the Payee accounts to view details. Choose 'Edit' button > Edit Payee Name or Limit and Save.
The maximum limit for a payee is maintained by the mobile banking application on the handset. This is to ensure that you don't enter an amount more than the limit set by you.
Payee details are automatically fetched for all GPRS smartphone applications. If user selects SMS mode, then Go to Fund Transfer> Manage Payees>Select Payee Type > Fetch Payee details > enter MPIN> click OK. You will get a SMS with the nicknames of the payees that are registered by you.
The intra bank fund transfers (SBI to SBI), take place immediately.
Inter- Bank fund transfer (SBI to any other bank), will follow NEFT settlement, e.g. if it is done between 7.00 hrs and 18.30 hrs IST 5pm, settlement will be done on the same day. During the day also the Fund Transfers happen once in every two hours. Inter Bank transactions attempted beyond the NEFT timings and Sundays/ Holidays/ 2nd Saturday & 4th Saturday will not be accepted for processing.
However, the interbank fund transfers routed through the IMPS (Mobile to Mobile Money Transfer) option will be accepted for processing 24 x7 and the Funds transfer takes place immediately.
You can use the option “IMPS-Mobile No & MMID” or “IMPS-Account No & IFSC” for making any stray fund transfers. This mode does not require registration of a payee before transferring funds transfer. The funds transfer is effected based on the beneficiary's mobile number & MMID or Account number & IFS Code. The fund transfer will be instantaneous. The service is available 24 x 7 for interbank remittances also.
The services are available under two channels namely SMS and GPRS. You may choose any of these channels to have the service. If you have not subscribed for GPRS, please take up with your Service provider for enabling of the facility over your mobile.
Yes, Mini statement allows you to view a summary of your last 10 transactions.
The cheque book will be delivered to the address registered with the Bank. If you do not get the cheque book within 5 days please contact your branch. For any reason if your request is rejected, kindly check up with your branch and ensure that the account is opened with cheque book facility and the account remained operative.
You can pay your utility bills like electricity, Telephone, Mobile. You can also pay insurance premium and make donations also through this functionality. You can user options ‘View and Pay Bill’, ‘Pay without Bill’ and ‘Postpaid Bill Payment’
You have to register the billers through “Add Billers” to whom you would like to make payment through ‘View and Pay Bill’ facility. Also use the options ‘Pay without Bill’ and ‘Postpaid Bill Payment’ under ‘Bill Payment’ menu to pay bills without adding billers.
Open the mobile banking application, choose Bill Payment menu and select Add Billers menu > Select Biller Location to get the list of Billers to whom payment can be made through our Mobile Banking Services
Yes, you can do bill payment through ‘View and Pay Bill’ for already registered billers.
In the mobile banking application select Bill Payment chose options like ‘Pay without Bill’ and ‘Postpaid Bill Payment’ under ‘Bill Payment’ menu to pay bills without adding billers.
Yes. Choose Bill Pay from Main menu and select Add Billers. Choose ADD from the options and enter the biller name, a nick name (for your identification only), and the consumer details required for the particular biller separated by comma. Please be guided by the format you received. You will get a SMS regarding the outcome of your response.
Once you are registered with the biller you will receive the bill details over your mobile which would denote, apart from other things, the BILL ID. Please note to enter only this ID before you make payment and the ID you would have received in the physical notice/Bill would not facilitate payment through our Service. Hence before you make the payment you are advised to view the bill for noting the BILL ID and then proceed for payment.
Yes, you can pay at a future date also, but at least three working days before the last day mentioned in the bill. . The default option is pay now. But once you choose the select button, you get the option to pay later as well. Please input the date of payment and press OK. You will get a response "Bill scheduled for "ddmmyyyy". On the scheduled date, after the processing of your instruction you will get a message "Rs.nnn received for Bill Desk.
You can view all such bills by selecting "View Scheduled Bills" and sending your request with your MPIN.
When you scheduled a bill for payment you would have received a T-ID. You have to enter this T-Id for cancellation and send your request after confirming with your MPIN.
No, SBI provides this service free of cost. However, you have to pay SMS charges to your service provider as per the plan availed. Please contact your Service Provider to know the exact cost for SMS.
Yes, provided you have registered the billers.
You can find out billers that are supported by following these steps:
Yes, you can pay your bills using the traditional channels. Registering for or using State Bank Freedom does not in any way restrict you from making your payments in person.
To stop receiving an electronic bill, you simply need to delete the biller from the list of billers.
Follow the steps below to delete a biller:
You will stop receiving your electronic bills as soon as the biller updates the information, which would typically be from the next billing cycle.
Ideally you should make your payment at least 2 working days before the bill due date for the payment to reach your biller in time. We would urge you not to wait till last date, but make the payment well in time to avoid any biller-service disruption or delayed payment charges.
Yes. You will continue to receive paper bills as you currently do.
You can make a payment either in full or in part depending upon whether the concerned biller provides you with that facility. For instance currently, you can pay your Vodafone bill in part, but need to pay your MTNL bill in full.
Yes, SBICARD is a supported biller and you can pay your SBI credit card bills.
Go to Bill Pay> Add Biller >Option > Fetch my Billers > enter MPIN> send request. You will get a SMS with the nicknames of the billers that are registered by you.
TOP UP & RECHARGE
You may not be sending the request for the correct amount as per the plan of the prepaid mobile. Please find out the correct amount for the plan from the service provider and send the request again.
Under Top up & Recharge > Mobile Recharge, you do not require to enter recharge codes of pre-set denominations. You can enter the amount as per the plan of your prepaid connection and submit your request through your Mobile Phone. Topup will be done as per plan from the service provider
No, SBI provides this facility free of charge for its customers.
No separate registration is required for top-up through Mobile. You can top up any mobile number through ' Top up & Recharge > Mobile Recharge ' menu.
Please check with your mobile operator for the same. The amount to be topped up should be as per the plan of the prepaid connection.
Your bank account will be debited immediately.
Yes. You will get the same talk-time and validity as you would get at your local retailer based on service provider.
Please check the same with the mobile operator's call centre or their website.
Normally, your mobile will get topped-up in less than 5 minutes. However, at times, due to network congestion, it might take up to 2 hours. If it is not successful, you will get a message that the amount is reversed and your account will be credited.
Once the top-up is completed, you will receive a confirmation message from the operator as well as from SBI.
Once the top-up is completed, you will receive a confirmation message from the operator. In case of non-receipt of confirmation message, please check the talk-time limit of the mobile phone that you have topped up. If the talk-time does not increase, please contact your operator.
If you are enabled for International roaming, you can top up your mobile phone using this facility. However, please check the cost of SMS on International roaming.
In case the mobile number entered by you was a valid number, that number will get topped up and the amount cannot be refunded. In case the number entered by you was not a valid number, the amount will be reversed and your account will be credited.
A request will be invalid on account of following reasons:
For receiving Direct Top up for your DTH, the following steps are to be followed.
From the Main Menu, select M-Commerce and choose 'SBI Life' - enter the policy No, the policy holder's date of birth, the exact amount of premium and the account to be debited for the payment and Submit & Confirm. Please note that for the payment to be successful, enter the particulars (Policy number, date of birth, amount) correctly.
Yes. You enter the premium amount that is normally due and get a SMS that the amount is wrong and the correct amount of premium with penalty is Rs.nnn. Please note the advised amount and pay accordingly.
Presently the options are available for
You have to login to State Bank Freedom application, Navigate through Top-up & recharge >> Top-up of State Bank Wallets, select Wallet Type as “BUDDY”, enter ‘Mobile Number’ and ‘Amount to be Recharged’, also select Debit account and tap on submit & confirm.
Otherwise got to menu mCommerce >> Merchant Payment, enter Merchant Name as “BUDDY”, Merchant Data as “10 digit Mobile Number”, enter ‘Amount to be Recharged’ and select Debit account and tap on submit & confirm.
Yes, first register your mobile number with Branch and you can change the mobile phone number post login through 'Profile Settings' and choose 'Change Mobile Number'. Enter your new mobile number and reenter to confirm, click on Change. You will receive a confirmation message on your old Mobile number and after that use the services only with the new SIM.
You will have to download the mobile banking application. You can use the same User ID and MPIN but GPRS activation has to be completed by generation GPRS activation code through ‘Register’ option on home page, thereafter sending MBSGAC message to 9223440000. If you are using Smartphone over GPRS mode the data will be fetched instantly from server. If you are using application over SMS mode or in Feature (Java) phones, new application will be blank and will not have any of the data that you had entered like registered payee, self-accounts, etc. Please add these details again and from the Option button choose “Add Locally”. The details will be saved in your handset. You can continue to use the facility as before.
Delete locally: this option is to be used when you have sent a request for linking the self account or registering a payee for fund transfer and you get a SMS saying "Cannot process". Then you have to delete the entry locally from handset before you can send the request again. When you send a request for linking/ registering, the information is stored in the handset and when the request cannot be processed for any reason, the locally stored information has to be deleted.
Add Locally: this option is to be used when you have downloaded a new application. The new / application will be blank and all the data like registered payees, linked accounts, etc have to be added by using option 'Add Locally'. The data is already with the Bank's server and you do not need to transmit the information to the server.
TROUBLESHOOTING & TECHNICAL SUPPORT
Switch off the mobile and switch it on. Log in to the application using your User ID.
Switch on the phone and start using the application from the beginning.
Please go to MENU section and open Application folder .You will find an icon named State Bank Freedom which contains Mobile Banking Application.
The application requires a free memory space of 20MB. Please ensure that free memory is available in your handset before you download the application.
Currently the service is available in English and Hindi. Change Language option may be used to switch language.
You can log out of the application by choosing Logout icon from the top right corner otherwise by clicking back button from Home page.
You may uninstall the existing application and download smartphone applications only from respective App Stores.
If you have national roaming facility from the Cellular Service Provider you can avail this service from anywhere in India for SMS and GPRS based Mobile Banking. However if you are traveling overseas, the services will be available only if you have international roaming. However, please check the SMS charges in such cases.
Please note the following: