How to Change Address in SBI Bank Account: Online vs. Offline Reality Explained

September 15, 2026

If you are looking to update your home address in your State Bank of India (SBI) savings or current account, you might have seen online tutorials claiming it can be done in minutes through Net Banking or the YONO app. However, official SBI rules state that online address changes are not supported for domestic bank accounts. Online Net Banking and the YONO app only allow digital Re-KYC confirmations if your customer details remain completely unchanged.

The misconception about online address updates stems from SBI Card (the credit card division), which is a separate corporate entity and does allow fully online address modifications using DigiLocker or UIDAI. For your actual SBI bank account, if your address has changed, you must submit a physical application form and self-attested document proofs directly to an SBI branch. This comprehensive guide explains the official branch-based process, when you can use digital channels, and how credit card users can update their details online.

SBI Address Change: Why You Cannot Do It Online for Bank Accounts

Many third-party financial websites claim that customers can edit their home address online by simply uploading scanned copies of their documents to the OnlineSBI portal. This information is incorrect. SBI Retail Bank mandates physical branch verification for any change in primary KYC details to maintain account security and prevent unauthorized modifications.

Unlike SBI Card, which has integrated direct DigiLocker and Aadhaar API systems for credit card holders, SBI has not extended these online APIs to its retail banking portal for address modifications. To successfully change your registered bank account address, you must visit an SBI branch where a bank official can physically verify your original documents against your self-attested copies.

How to Change Address in SBI Bank Account (Official Branch Process)

To update your correspondence or permanent address in your domestic SBI bank account, you must follow the official offline procedure. Here is the step-by-step process:

Obtain the Form: Download the official KYC Updation Form (specifically Annexure B or Annexure C: Self-Declaration Form for KYC Updation: Change in Address) from the official SBI portal, or collect a physical copy from any SBI branch.
Fill out the Details: Complete the form in block letters using black ink. Make sure to enter your new address clearly in the current or correspondence address fields.
Prepare Document Copies: Make a photocopy of one accepted Officially Valid Document (OVD) that clearly displays your new address. Write your signature on the photocopy to self-attest it.
Visit the Branch: Go to your home SBI branch or your nearest SBI branch. Carry the filled form, the self-attested photocopy, and the original OVD for verification.
Submit for Verification: Present your documents to the bank officer. The officer will verify the photocopy against your original document and update your address in the bank’s central database.

Note: While the verification under general guidelines is expected to be processed within two months, the exact processing time for offline branch-based address updates is currently unverified by the bank.

When Can You Use Online SBI Net Banking or YONO? (Digital Re-KYC Rules)

You can only use digital channels like SBI Net Banking, the YONO app, or SBI ATMs if you are performing a periodic Re-KYC update and your registered address has not changed. To complete this digital Re-KYC, you must have active SBI Net Banking credentials or a registered YONO account, along with an active registered mobile number to receive One-Time Passwords (OTPs).

Step-by-Step Digital Re-KYC via Net Banking (No Address Change)

Go to the official SBI online portal (onlinesbi.sbi) and log in with your credentials.
Navigate to the ‘My Accounts & Profile’ section.
Click on the ‘Update KYC’ link.
Select your active bank account.
Review the displayed address. Since your address has not changed, select ‘No’ for the address change option.
Submit the request and enter the high-security OTP sent to your registered mobile number to complete the verification.

Step-by-Step Digital Re-KYC via YONO App (No Address Change)

Open and log into the YONO SBI mobile application.
Tap on the menu and navigate to ‘Service Request’.
Select ‘Update KYC’.
Enter your Net Banking profile password to proceed.
Review your existing details, select ‘No’ when asked if you want to change your address, and confirm.
Enter the OTP received on your mobile phone to finish the process.

SBI Credit Card Users: How to Change Your Address Online

If you hold an SBI Credit Card, you can update your billing address completely online. SBI Card operates on a separate digital infrastructure that is fully integrated with government verification services. Credit card holders can execute an address change by logging into the official SBI Card portal, navigating to the profile settings, and verifying their new address using DigiLocker or the UIDAI (Aadhaar) service.

Required Documents (Officially Valid Documents) & Eligibility

To change your bank account address at the branch, you must hold an active SBI savings or current account and possess a valid, self-attested copy of your address proof. SBI accepts the following primary Officially Valid Documents (OVDs):

Aadhaar Letter or Aadhaar Card
Passport
Voter’s Identity Card
Driving Licence
NREGA Job Card (duly signed by an authorized State Government officer)
Official letter issued by the National Population Register containing your name and address details

Special Document Rules:

Minor Accounts: For accounts of minors under 10 years of age, you must submit the identity and address proof of the parent or guardian.
Secondary Proofs: If you use utility bills (such as electricity, water, or telephone bills) or municipal tax receipts as secondary proof of address, they must not be older than two months from the date of submission.
NRI Customers: Non-Resident Indians who cannot visit a branch can request address updates by mailing or couriering a signed application form. This form must be attested by an SBI Foreign Office, an Indian Embassy, or a Notary Public, and sent to their home branch in India.

Benefits and Security Warnings

Keeping your address updated is crucial for smooth banking operations. It ensures full regulatory compliance, preventing your account from being partially or totally frozen due to non-compliant KYC. Additionally, it guarantees the secure delivery of critical physical items like new debit cards, checkbooks, and paper bank statements.

SBI does not levy any fees or charges for updating your address or submitting KYC documents. Because this process is sensitive, always beware of fraudulent activities:

Never click on random SMS or email links that claim to offer online KYC updates or bank address changes.
SBI will never contact you to request sensitive credentials, PINs, or OTPs for address verification.
Always obtain your application forms directly from official sources or physical branches.

Official Sources

Frequently Asked Questions

Can I change my address online in YONO SBI?

No. The YONO app only supports digital KYC updates if your registered address remains unchanged. If your address has changed, you must visit an SBI branch with physical proof and a signed application form.

Why does the SBI Card website allow online address changes, but OnlineSBI does not?

SBI Card is a separate corporate entity operating on its own digital infrastructure. It supports DigiLocker integration for online address updates, whereas SBI Retail Banking requires in-person physical verification of documents at a branch for security reasons.

Conclusion

While digital services like Online SBI and YONO make periodic Re-KYC simple when your details remain the same, modifying your actual home address still requires a physical visit to an SBI branch. By gathering your self-attested Officially Valid Documents (OVD) and completing Annexure B or C, you can ensure a secure and compliant update to your banking records without falling victim to online scams.