Unlock SBI Bank Statement PDF
Remove the password from your SBI account statement or credit card statement. Covers all 4 SBI password formats — Net Banking, email, YONO, and credit card.
SBI Statement PDF Password — Which Format Applies to You?
SBI uses four different password formats depending on the channel through which you received the PDF. This is the key reason SBI passwords confuse people: the same account may produce a different password depending on whether you downloaded from Net Banking, received an email statement, got a YONO email, or hold an SBI Credit Card. The table below maps each channel to its password.
- Downloaded the PDF yourself from onlinesbi.sbi or YONO app → Net Banking
- PDF arrived in your email from SBI (not YONO) → Email statement
- Email came from YONO/SBI YONO with the PDF attached → YONO email
- The PDF is a credit card bill (not a savings account statement) → Credit Card
| Channel / How you got the PDF | Password formula | Worked example |
|---|---|---|
| Net Banking download / YONO App export | 11-digit SBI savings account number | 12345678901 |
| Email statement sent by SBI | Last 5 digits of registered mobile + DOB as DDMMYY (2-digit year) | 67890180594 |
| YONO email statement | DDMM of DOB + @ + last 4 of registered mobile | 1805@6789 |
| SBI Credit Card statement | DDMMYYYY of DOB + last 4 digits of card (try DDMMYY if it fails) | 180519944321 |
Format 1 — Net Banking & YONO App Download: 11-digit Account Number
If you downloaded the PDF yourself from SBI Net Banking (onlinesbi.sbi) or exported it from the YONO app, the password is your 11-digit SBI savings account number. This is the number printed on your passbook, cheque book, and shown in YONO under Account Details.
Your SBI debit card has a 16-digit number on its face — that is NOT your account number. The SBI savings account number is always 11 digits. If your passbook shows fewer digits, prepend with zeros to reach 11.
Format 2 — Email Statement: Mobile (Last 5) + DOB (DDMMYY)
SBI’s automated email statements (sent monthly to your registered email) use a two-part password: last 5 digits of your registered mobile number + date of birth in DDMMYY format. For a mobile ending in 67890 and DOB 18 May 1994, the password is 67890180594.
The year part must be only 2 digits. 1994 → 94, not 1994. 2001 → 01, not 2001. This is the #1 mistake for SBI email statement passwords.
Format 3 — YONO Email Statement: DDMM@Phone (Last 4)
Statements delivered via the YONO email system use a completely different format: DDMM of your birth date + the literal “@” character + last 4 digits of your registered mobile. For DOB 18 May with mobile ending in 6789, the password is 1805@6789.
The @ sign is part of the password — do not omit it. Some PDF readers (especially on Windows) have trouble accepting passwords with special characters. Use this tool which handles the @ character correctly.
Format 4 — SBI Credit Card Statement: DOB + Last 4 of Card
SBI credit card statements are issued by SBI Cards, a separate entity from SBI Bank. The password format is: full date of birth in DDMMYYYY (8 digits) + last 4 digits of your credit card. For DOB 18 May 1994 with card ending in 4321, the password is 180519944321. If this fails, try the shorter variant with a 2-digit year: 18059443421.
How to Download Your SBI Statement
Via Net Banking (onlinesbi.sbi)
Log in → My Accounts & Profile → Account Statement → Select account → Set date range → View / Download. The PDF will be password-protected with your account number.
Via YONO App
Open YONO SBI → tap your account tile → Account Statement → Set period → Download PDF. Uses the same account-number password as Net Banking.
Via Email subscription
SBI automatically sends monthly e-statements to your registered email if you have subscribed. These PDFs use the Mobile (last 5) + DOB format. To subscribe, visit any SBI branch or update through Net Banking under Profile → e-Statement.
Common Use Cases for an Unlocked SBI Statement
- Home loan documents: LIC Housing Finance, HDFC Ltd, PNB Housing, and most NBFCs require unlocked PDF statements for digital loan applications
- Mudra / MSME loan: SBI’s own portal for business loans requires password-free statements for upload
- Aadhaar address update: Bank statement is a valid address proof for UIDAI — must be in an openable format
- Embassy visa applications: Schengen, USA, Canada, and UK visa portals may reject encrypted bank statements
- IT portal and Form 26AS: Some CA tools require unlocked statements for auto-importing transactions for ITR filing
Password Not Working — Step-by-Step Troubleshooting
- Step 1 — Confirm the source: Where did this PDF come from — your download or an email? Each source has a different password.
- Step 2 (Email statements): Use only 2-digit year in DOB. 1994 → 94. Fail with 4-digit year = most common SBI error.
- Step 3 (Net Banking): Account number must be exactly 11 digits. Check your passbook — do not use card number.
- Step 4 (YONO email): Include the @ character literally in the password. If your PDF reader rejects special chars, use this tool.
- Step 5 (Credit card): Try DDMMYY + last 4 of card if DDMMYYYY doesn’t work. SBI Cards switched formats in 2022.
- Step 6: Contact SBI customer care at 1800-11-2211 (toll-free) or visit any branch.
Privacy — All Processing Stays in Your Browser
This tool runs 100% locally. Your SBI statement, account number, mobile digits, and date of birth are processed inside your browser’s JavaScript engine — nothing is sent to any server. Verify using DevTools (F12 → Network tab) while using the tool. The processing uses PDF.js (Mozilla) and pdf-lib, both widely-used open-source libraries. After the first page load, the tool works fully offline.
How to use this tool
- Upload your SBI statement PDF using the drop zone.
- Select how you received the PDF: Net Banking, Email statement, YONO email, or Credit Card.
- Fill in the required fields (account number, mobile digits, DOB, or card number depending on channel).
- The password preview appears automatically. Click Unlock & Download.
- Your unlocked PDF downloads to your device instantly.
Frequently asked questions
What is the SBI bank statement PDF password?
It depends on the channel. Net Banking / YONO App download: your 11-digit account number. Email statement from SBI: last 5 digits of mobile + DOB as DDMMYY (2-digit year). YONO email: DDMM@last4digits-of-mobile. SBI Credit Card: DDMMYYYY + last 4 of card.
Why does SBI have 4 different password formats?
SBI's Net Banking, email distribution, YONO, and SBI Cards are separate systems with different encryption policies. This is a known inconsistency — the password for the same account differs based on the source PDF.
My SBI account number is 16 digits — what do I use?
Your 16-digit number is your SBI debit card number, not your account number. The savings account number is always 11 digits. Find it in your passbook, cheque book, or YONO app under Account Details.
What does 'DDMMYY' mean for SBI email statements?
Day (2 digits) + Month (2 digits) + last 2 digits of year only. For 18 May 1994: 180594. Do not use the 4-digit year 1994 — that is the most common error.
What exactly is the YONO email statement password?
DDMM of birth date + literal @ symbol + last 4 digits of registered mobile. Example: born 18 May, mobile ends in 6789 → 1805@6789. The @ must be included — it is part of the password.
How do I find my SBI registered mobile number?
Log in to Net Banking → Profile → Personal Details → Registered Mobile Number. You can also call SBI's missed call balance service (09223766666) from your registered number to confirm.
Does SBI credit card use the same password as the savings account?
No. SBI credit cards are issued by SBI Cards (a separate entity). Credit card statement password is DDMMYYYY (full 8-digit DOB) + last 4 of card. Completely different from account statement formats.
I downloaded the SBI statement from YONO and entered the account number — it's not working.
Confirm the account number is exactly 11 digits with no spaces. If your passbook shows fewer digits, contact your home branch for the complete number. Also verify you're not entering the 16-digit debit card number by mistake.
Can I use this tool offline?
After the first page load, all the processing libraries are cached by the browser. The tool works offline for subsequent uses — useful if you need to unlock statements while travelling.
Does SBI Net Banking download and SBI email statement use different passwords for the same account?
Yes. The Net Banking download of the same account statement uses the 11-digit account number as password. The email-delivered version of the same statement uses mobile (last 5) + DOB (DDMMYY). They are different files from different systems.