YONO SuperApp

Your One-Stop Financial Ecosystem

What is YONO Superapp?

YONO (short for “You Only Need One”) is Sabah’s state-owned financial superapp, developed by Sabah Credit Corporation.

Powered by Fass Payment Solutions Sdn. Bhd., a licensed e-money issuer under Bank Negara Malaysia, YONO brings together a wide range of financial and lifestyle services in a single, secure, and easy-to-use app.

Need more help? Check out the FAQs.

Read the Terms & Conditions before signing up.

What can you do on YONO Superapp?

YONO Superapp is designed to simplify your financial life. Here are some of the core services you can access:

If you run into problems, whether technical glitches or payment issues, here’s what you can do:

e-Wallet (YONOPay)

Pay for daily services, send and receive money, and manage your digital wallet.

Banking & Payments

Use online banking (FPX) or credit/debit cards securely within the app.

Mini-Apps

Integrated mini-apps provide access to a wide variety of services – from financial products to lifestyle tools.

Financial Products

Apply for loans, invest in funds, purchase insurance, and even write a digital will.

Grant & Government Initiatives

YONO also supports grant distribution, making it easier for users to check and manage state-level benefits

Business Tools

For SMEs and local businesses, YONO’s mini-app platform offers digitalisation, financial insights, and reconciliation support.

Why choose YONO Superapp?

All-in-One Platform

Instead of juggling multiple apps for loans, payments, and investments, YONO brings everything under one roof.

Digital Transformation for Sabah

YONO is part of Sabah’s broader push to digitalise financial services - supporting economic development and financial inclusion.

High e-Wallet Limit

YONO’s e-wallet supports a premium limit of up to RM 10,000, especially for Sabah users.

Fast, Convenient Loan Access

YONO offers quick loan approvals — in some cases, almost instantly.

Robust Security

Built with strong security measures to protect your data and transactions.

Why YONO matters for Sabah

Proudly created for Sabah

Launched by the Sabah State Government through the Sabah Credit Corporation, YONO isn’t just another fintech app – it’s a strategic effort to: