The mobile application provided by SBI for ease of operation of account doesn't stand up to the mark of India's largest bank. You can not perform all the activities of online banking through this application. However, frequently used operations like money transfer, mobile recharge, bill payments can be done using this application.
It is used if one application doesn't provide all the banking facilities. Also, the application is slow to load and slow in operation. In the world of 4G, such speed is not acceptable despite having a good network connectivity. Needs improvement.