Using SBI internet banking is a great way to deal with your various financial needs, as it would enable you to do transactions at your ease 24/7 throughout the year.
At a certain point, we are forced to stop using a good thing due to unavoidable circumstances. When you doubted the security of SBI Internet Banking, you may have considered stopping using it by deactivating it.
These security breaches of Internet banking may include
- If you have compromised your user credentials.
- If your computer, laptop, or smartphone got hacked.
- If you think a suspicious transaction occurred in your account.
Knowing how to protect ourselves is quite important when it comes to online banking.
How to deactivate SBI Internet banking?
There is a way to handle this particular issue. Online deactivation is not possible. For this, you have to visit the bank and request it with written consent or submit the filled-up INB deactivation form available at the counter.
The concerned staff may ask for your account number or user name. Once they have processed it, you may receive an SMS to your registered mobile number with confirmation that your request for Internet banking deactivation has been processed successfully.
The good thing is, that you may reactivate it anytime you please. For this, you have to visit the bank again and request reactivation.
SBI Internet banking and SBI YONO user credentials ie, username and login password are the same. When you deactivate your Internet banking, both will cease to work until you reactivate it. You may also go for lock/unlock features of SBI net banking which can be done at onlinesbi.com or through SBI YONO application.
Lock/Unlock INB Instead of deactivation
It’s a better way of controlling your SBI YONO and SBI Internet banking. You may use the lock/unlock option to manage your INB account. It allows you to simply lock or unlock whenever you feel there may be a security breach.
The menu is available on the SBI Internet Banking login page. The process is quite simple too. Go to onlinesbi.com and find the lock/unlock link. Provide the following data to complete the task.
- Select the lock or unlock option
- Provide the User Name
- Provide Account number
- Enter details of the captcha shown on the page
Submit it, and your INB will be locked/unlocked as per your needs. You can unlock the username at any time.
You may request the bank change the transaction rights only. Transaction right is the right given to the Internet banking user to access the savings Bank or current account.
Transaction rights are of 3 types. These are
- View right: You may do only enquiry of your account. It means you can only see the transaction and can not do actual fund transfers and other financial transactions which include debit of your account.
- Limited transaction right: Your transaction right will be limited to a certain amount only.
- View and transaction right: Where you get the full potential of Internet banking.
So, it would be wiser if you choose to shift to view right instead of deactivating your Internet banking. It will let you at least access your account though it will be only for the enquiry.
Change of user’s rights can also be done online. You may find the menu under service request. You will be able to manage your transaction rights, either to upgrade or downgrade, it can be done on the go.
But, when you feel that your Internet banking credentials are compromised. First thing first, you need to change the login password and then change the transaction right. If it relates to the SIM card swapping issue, it’s better you go for a change of mobile number both at the bank account level as well as in your internet banking.
SBI Internet banking deactivation and SBI YONO deactivation are the same. Both operate in different mediums. If you deactivate one, the other one too ceases to work.
To deactivate SBI YONO or Internet banking, you have to visit the bank and request accordingly. When you need to reactivate it again you have to revisit the bank and request for the same.
Other alternatives instead of net banking deactivation can be the use of lock/unlock features of SBI YONO. These features let you act instantly and secure your bank account on the spot. Changing of login password is another viable option that you can go for. To get fully secure, you can even change the transaction rights.
It’s quite easy to control your bank account-related online transactions. If you know these few basics on how to handle the situation in case of emergency, you can literally do it on your own without any tension. Otherwise, you would end up compromising your hard-earned money.