SBI Online Customer Care Email ID: The Definitive, Up-to-Date Guide (2025)

The official email channel—and what SBI actually recommends

For online banking, YONO, UPI, and debit card–related queries, State Bank of India’s central Contact Centre accepts emails at [email protected]. Send your message from your registered email ID, include your CIF or masked account number (last four digits only), and attach screenshots or PDFs supporting the issue. The Contact Centre runs 24×7; typical email acknowledgment is near-instant, and first responses usually arrive within 24–48 working hours depending on queue and complexity.

That said, SBI’s primary recommendation is to log complaints and service requests through its web-based Complaint & Feedback (CRCF) portal rather than email. The portal creates a trackable case ID and routes it straight into SBI’s CRM with service-level timelines. Use email for quick clarifications, attaching additional documents to an existing ticket, or when you cannot access the portal.

Faster than email: SBI’s online complaint portal (with tracking)

Use SBI’s CRCF portal at https://crcf.sbi.co.in/ccf/ for the fastest, most traceable resolution path. You can submit complaints for Internet Banking (onlinesbi), YONO, UPI, NEFT/RTGS, and debit card issues, as well as branch and service grievances. You’ll receive a ticket number you can quote in subsequent emails to the Contact Centre and in any escalations.

Resolution time varies by issue category and whether third parties are involved (e.g., merchant chargebacks). Straightforward service requests are often resolved in 3–7 working days; more complex cases can take longer. In line with RBI guidelines, banks have up to 30 days to provide a final resolution to a complaint. You can track status on the same portal and escalate if timelines lapse.

When to use the email ID vs. other channels

Use [email protected] when you need to add documents to an existing CRCF ticket, cannot log in to the portal, or need general guidance before filing a formal complaint. Reference your CRCF ticket number in the subject line for faster routing (for example: “CRCF Ticket 23XXXXXXXXXX – UPI reversal pending”). The Contact Centre will either resolve simple queries over email or advise the precise form or portal flow for your case.

For urgent scenarios—like suspected fraud, an unauthorized transaction, or a card that must be blocked—call SBI’s helplines immediately and file the CRCF ticket afterward. Time is critical for dispute windows, especially on UPI and card transactions, where immediate reporting can improve recovery odds.

Helplines and web links you should keep handy

SBI serves over 48 crore customers through 22,000+ branches and 63,000+ ATMs (2024). Its Contact Centre operates 24×7 and supports Hindi, English, and several Indian languages. These lines are the quickest way to act in emergencies and are complementary to email support.

• SBI toll-free (24×7): 1800 1234, 1800 2100, 1800 11 2211, 1800 425 3800
• Alternate (chargeable): +91-80-26599990
• CRCF Complaint & Feedback portal: https://crcf.sbi.co.in/ccf/ (file/track complaints)
• Internet Banking: https://www.onlinesbi.sbi (service requests under “Services/Help/Complaints” after login)
• YONO: in-app “Help & Support” or https://yono.sbi
• National cybercrime helpline (for fraud reporting): 1930 and portal https://cybercrime.gov.in

How to write an SBI email that gets resolved faster

Clarity and complete documentation materially reduce back-and-forth. Use a precise subject line (for example: “INB txn debited but beneficiary not credited – 17 Jan 2025 – Ref UPI/IMPS XXXX”). In the body, present facts in time order and specify the outcome you need (refund, unblock, statement correction, service reactivation, etc.).

• Identity and linkage: Full name, registered mobile, registered email, CIF (if known), last four digits of the account number. Never share full account, CVV, PIN, or OTP.
• Transaction details: Channel (INB/YONO/UPI/ATM/NEFT), date/time, amount, reference/UTR, beneficiary details, and error message/screenshot if any.
• Evidence: PDF statement highlighting the entry, merchant acknowledgment or email, charge slip, or SMS/Push notification screenshots.
• Existing case IDs: Quote your CRCF ticket number and any earlier email thread IDs.
• Request: State the exact remedy and deadline sensitivity (e.g., “UPI reversal pending beyond T+3; request credit or written status update”).

Security and authenticity checks (avoid phishing)

Always verify that you are emailing an address ending with @sbi.co.in and that any links in replies point to sbi.co.in, onlinesbi.sbi, or yono.sbi. SBI never asks for OTPs, CVV, card PIN, internet banking passwords, or full account numbers over email or phone. If an email asks for these, treat it as fraudulent.

If you suspect your account credentials are compromised, immediately change your internet banking password via https://www.onlinesbi.sbi, block your debit card through YONO or the helplines, and file a complaint on the CRCF portal. Also lodge a cybercrime report via 1930 or https://cybercrime.gov.in within the same day for better recovery chances.

Escalation path and postal address

If your issue remains unresolved after 30 days from the date of your CRCF complaint, you can escalate to the Reserve Bank – Integrated Ombudsman via https://cms.rbi.org.in. Keep copies of your CRCF ticket, email exchanges (including messages to [email protected]), and call reference numbers.

For formal written communication, you can write to SBI’s Head Office at: State Bank of India, State Bank Bhavan, Madame Cama Road, Nariman Point, Mumbai – 400021, Maharashtra, India. Include your CRCF ticket number on the envelope and in your letter so it can be routed correctly within SBI’s grievance redressal framework.

Practical examples: when email shines

Suppose your UPI transaction is auto-reversed late at night, but the credit hasn’t posted after T+3 working days. File a CRCF complaint, then email [email protected] with the CRCF ticket, UTR, screenshots of the debit SMS, and a PDF mini-statement. In most such cases, the Contact Centre will coordinate with the UPI back office and reply with status or credit confirmation.

Or imagine a merchant e-commerce refund marked “processed” by the seller but not reflected in your account after 7–10 days. Log a CRCF ticket under “merchant refund pending,” attach the merchant’s refund ARN/reference, and email the same packet to [email protected]. The ARN allows SBI to trace the refund in settlement rails and accelerates closure.

Bottom line

Use [email protected] for email support, but prioritize SBI’s CRCF portal for a trackable, SLA-backed resolution. Keep your documentation complete, cite your case ID, and escalate only if timelines lapse. This approach consistently shortens resolution cycles for online and digital banking issues at SBI.