FAQs


About SBI Unipay

SBI Unipay is online bill payment system, launched by SBI.

Benefits of SBI Unipay

The service is convenient & accessible on all banking channels.

Facility to pay bills "Anytime Anywhere"

Allow multiple payment modes

Instant & verifiable confirmation of payments

Standardized complaint & dispute management process


Multiple Biller Categories Supported

Customer can do the bill payment for the following categories of billers

Recharge & Utility
  • Mobile Postpaid

  • Electricity

  • DTH

  • Broadband

  • Landline Postpaid

  • Gas

  • Cable Tv

  • FasTag

Institution Fees
  • School Fees

  • College Fees

  • subscription Fees

Other Categories
  • Life Insurance

  • General Insurance

  • Health Insurance

  • Municipality Taxes

Multiple Payment Modes Supported

BBPS facilitates a plethora of payment modes through which consumer can make a bill payment

  • Cash

  • Wallet

  • Credit Cards

  • Debit Cards

  • UPI

  • Prepaid Cards

  • Net Banking

  • ATM

Multiple Payment Channels Supported

Customer can access the following channels for making bill payment. Also, a non SBI customer can pay his / her bill by using Pre login functionality of the following channels

  • Net Banking

  • YONO

  • Mobile Banking

  • BHIM SBI PAY

  • RRB

  • FIGS

  • Agents & Business Correspondents

  • ATM


Connect to digital channels of SBI or Visit bank/branch or retail shop (connected with SBI)
Online bill payment is when customer pays his bill via any of the online mode of SBI, rather than physically going to any bank branch / Agent counter. Customer can pay the bill online via the following channels of SBI

  • Login/ connect at any Bank/ Non-bank application (e.g. Website, net banking/ app/ wallet) with the BBPS bill- payment feature having distinctive BBPS logo on the application.
  • Customer can do a QUICK/ ADHOC PAY or else register his details to create a Customer ID using his mobile number.
  • Mention the name and the type of the biller e.g. Electricity biller, post-paid biller etc. for which the bill is to be paid.
  • Verify and re-check the amount to be paid which a customer can pay through net-banking, wallet, card etc. whichever option is accepted at the particular site/ app.
  • The customer gets an instant confirmation on the screen mobile/ web and SMS is sent to the customer's mobile number regarding successful transaction.
  • Physical bill payment is when customer walks to the nearest SBI bill payment agent like Kiosk or any of the bank branch

  • Connect with any of the nearest BBPS agent outlet or bank branch or any BBPS service point.
  • Mention the name and the type of the biller e.g. Electricity biller, post-paid biller for which the bill is to be paid and provide the agent outlet, bank branch or any BBPS service point on his/ her credentials.
  • Verify and re-check the amount to be paid which a customer can pay through cash, card etc. whichever is accepted at the agent outlet/ branch.
  • The agent outlet/ branch initiates the final payment for the bill.
  • The customer gets an instant confirmation of the bill paid through a BBPS physical bill receipt & SMS is sent to the customer's mobile number regarding successful transaction.
  • Customer can access the following channels for making bill payment. Also, a non SBI customer can pay his/ her bill by using Pre login functionality of the following channels :-

  • INB
  • YONO
  • Mobile Banking
  • BHIM SBI PAY
  • RRB
  • FIGS
  • ATM
  • Bank Branch Agents and Business Corrospondents
  • BBPS facilitates a plethora of payment modes through which consumer can make a bill payment :-

  • Cash
  • Wallets
  • Credit Card
  • Debit Card
  • IMPS
  • UPI
  • Prepaid Card
  • Net Banking
  • ATM
  • Bill fetch- In this bill amount is fetched from the biller's end and customer is required to pay the fetch amount.
  • Bill validation- In this case no bill fetch is done, rather the customer parameters entered by the customer will be validated.
  • Quick pay- In this case neither the bill will be fetched nor the customer params will be validated. Rather customer can enter any bill amount and pay the bill.
  • All *marked fields are mandatory for making Bill payment
    Transaction limit is configured for each payment by biller at the time of onboarding. Whichever payment mode customer chooses to opt at the time of bill payment, limit set for the selected payment mode will be checked and adhered to.
    Yes. If it is allowed by your biller. It's purely dependent on biller configuration set by the biller.

  • Payment confirmation shall be received on registered mobile / e-mail (As provided while making bill payment) upon successful completion of the transaction instantaneously.
  • The consumer would get an instant confirmation and receipt once the transaction is successfully completed. A SMS would also be triggered by the bank.
  • Following are different scenarios when a payment transaction fails: -

    a. If the customer does not have a sufficient balance in his/her account, a transaction can be failed.

    b. Also, if there are some network issues faced by the customer, a transaction can be failed.


    Transactions done on one particular identity can be tracked back on subsequent logins using the transactions reference ID or can be picked from a list of transactions for a particular date range.

  • Success - When the transaction is successfully processed.
  • Failure - When the transaction fails due to any reason.
  • Pending - In this case where the transaction is successfully done but the transaction status is reflected as "Transaction Pending" on the screen, in this case the customer will be eligible for a refund.
  • Convenience fee can be levied by the repective channel for both online as well as physical payments. However, its solely at the discretion of the channel / agent to levy the fee.

    In this case amount will be refunded to the customer through the same payment made within 2-3 working days.


    A customer can raise a complaint directly from SBI channel through which he has intiated the transaction or via SBI online CMS portal. Transaction ID will be used as a unique rerence number for raising complaints.

    A status will be assigned to each complaint, below are the various statuses and their description.

    Step 1: Enter Complaint ID, Mobile No. or Date range

    Step 2: View details and status Complaint Status: Logged, Assigned, pending with BBPOU, Resolved, Reassigned, Escalated.