SBI Bank: Complete Guide to Accounts, Loans, Cards, Digital Banking and Customer Services
SBI Bank, officially State Bank of India, is one of India’s most widely used public sector banks. For many customers, it is the first name that comes to mind for savings accounts, salary accounts, fixed deposits, home loans, education loans, pensions, government schemes, ATM services, internet banking and mobile banking. Because SBI serves individuals, small businesses, large companies, non-resident Indians and government-linked institutions, people search for “sbi bank” with different needs.
Some users want to open an account. Some want to compare loans. Some are looking for SBI net banking, YONO, customer care, debit cards, credit cards or branch services. Others want to understand whether SBI is safe, how its digital banking works, and what precautions they should take before using online services.
This detailed guide explains SBI Bank in a practical, beginner-friendly way. It covers the bank’s background, major services, account options, loans, cards, digital banking channels, customer support, security tips, documents generally required, and a checklist before choosing any SBI product.
State Bank of India describes itself as an Indian multinational public sector banking and financial services statutory body headquartered in Mumbai, with a legacy of more than 200 years. (SBI Bank) SBI’s official personal banking page lists services such as savings accounts, fixed deposits, personal loans, education loans, SME loans and digital banking options. (SBI Bank)
Table of Contents
- What Is SBI Bank?
- Why SBI Bank Is Important in India
- SBI Bank Services at a Glance
- SBI Savings Accounts
- SBI Current Accounts and Business Banking
- SBI Fixed Deposits and Recurring Deposits
- SBI Loans: Home, Personal, Education and Vehicle Loans
- SBI Cards: Debit Cards, Credit Cards and ATM Services
- SBI Digital Banking: YONO, Net Banking and Mobile Banking
- SBI Bank for NRIs
- SBI Government Schemes and Pension Services
- SBI Customer Care and Branch Support
- SBI Bank Charges, Interest Rates and Fees
- Safety Tips for SBI Bank Customers
- SBI Bank vs Other Banks: What to Compare
- Documents Commonly Needed for SBI Services
- Practical Examples for Different Users
- Checklist Before Choosing an SBI Bank Product
- FAQs
- Conclusion
- Disclaimer
What Is SBI Bank?
SBI Bank is the commonly searched name for State Bank of India. It is a public sector bank and financial services institution that offers a wide range of banking products for retail customers, businesses, corporates, farmers, students, pensioners and NRIs.
SBI’s services generally include:
| Service Area | Examples |
|---|---|
| Deposit accounts | Savings account, current account, salary account, fixed deposit, recurring deposit |
| Loans | Home loan, personal loan, education loan, car loan, gold loan, business loan |
| Cards | Debit cards, credit cards, prepaid cards |
| Digital banking | SBI internet banking, YONO, YONO Lite, UPI, mobile banking |
| Investments and insurance | Mutual funds, life insurance, general insurance, pension products through group entities or partners |
| Government services | Pension accounts, subsidy-linked accounts, government schemes, tax payment services |
| Business banking | SME loans, cash management, current accounts, trade services |
For a new customer, SBI Bank is often attractive because of its large branch network, government ownership, digital banking ecosystem and familiarity across urban, semi-urban and rural India.
Why SBI Bank Is Important in India
SBI is not just another bank. It plays a major role in India’s financial system. The Reserve Bank of India has identified SBI, along with HDFC Bank and ICICI Bank, as a Domestic Systemically Important Bank, meaning its scale and importance require additional regulatory attention. (Reserve Bank of India)
This matters for customers because it shows SBI’s role in the wider banking system. However, it does not mean customers should ignore product terms, fees, interest rates, service quality or digital safety. A large bank can still have different experiences depending on the branch, service category, customer profile and product chosen.
SBI is relevant for:
- First-time bank account holders
- Salaried employees
- Pensioners
- Students applying for education loans
- Families looking for home loans
- Small business owners
- NRIs needing Indian banking access
- People using government schemes
- Customers who prefer both branch and digital banking
SBI Bank Services at a Glance
SBI Bank offers many products, but most users can understand the bank through five broad service groups.
| Customer Need | SBI Bank Service to Explore |
|---|---|
| Daily banking | Savings account, debit card, ATM, net banking, UPI |
| Saving and investment | Fixed deposit, recurring deposit, mutual fund, insurance-linked options |
| Borrowing money | Home loan, personal loan, education loan, car loan, gold loan |
| Business banking | Current account, SME loan, merchant services, trade finance |
| Digital convenience | YONO, YONO Lite, internet banking, mobile banking |
Before choosing a service, always check the latest eligibility, interest rate, fees, documents and terms on the official SBI website, branch notice, product brochure or verified customer support channel. Banking details can change.
SBI Savings Accounts
An SBI savings account is one of the most common products searched by users. It is used for salary credit, UPI payments, ATM withdrawals, fund transfers, bill payments, savings and basic banking.
Common Uses of an SBI Savings Account
An SBI savings account can be useful for:
- Receiving salary
- Receiving pension
- Making UPI payments
- Paying utility bills
- Withdrawing cash through ATMs
- Receiving government benefits
- Keeping emergency funds
- Linking to fixed deposits or investment products
- Using mobile banking and net banking
Types of SBI Savings Accounts
SBI may offer different savings account variants depending on customer type and eligibility. These may include regular savings accounts, salary accounts, pension accounts, basic savings accounts and accounts for minors or students.
The exact name, benefits, minimum balance requirement and charges may change, so customers should check the latest details on SBI’s official website or at a branch before applying.
Who Should Consider an SBI Savings Account?
An SBI savings account may suit:
- People who want a widely accepted bank account
- Customers who need branch access in many locations
- Pensioners and government employees
- Students who need education-related banking
- People who want UPI, ATM and digital banking facilities
- Customers who prefer public sector banks
Things to Check Before Opening a Savings Account
| Factor | What to Check |
|---|---|
| Minimum balance | Whether the account requires a minimum monthly or quarterly balance |
| Charges | ATM, cheque book, SMS, debit card and non-maintenance charges |
| Digital access | Net banking, YONO, UPI and mobile banking availability |
| Debit card | Card type, annual fee and withdrawal limits |
| Branch access | Nearest branch and service quality |
| Nominee facility | Whether nominee details are added correctly |
SBI Current Accounts and Business Banking
A current account is mainly meant for businesses, traders, professionals, firms and companies that have frequent transactions. Unlike a savings account, a current account is designed for business cash flow rather than personal savings.
Who Needs an SBI Current Account?
An SBI current account may be useful for:
- Shop owners
- Small businesses
- Startups
- Freelancers with business receipts
- Partnership firms
- Private limited companies
- Traders and distributors
- Professionals managing business payments
Common Features to Review
Business owners should compare:
- Minimum balance requirement
- Cash deposit limits
- Cheque book charges
- Online payment limits
- NEFT, RTGS and IMPS charges
- Overdraft facility availability
- Merchant payment support
- Branch support for business transactions
SBI for Small Businesses
SBI also provides SME banking services. Its official annual report page highlights SME banking initiatives and portfolio milestones, showing that the bank has a significant focus on small and medium enterprises. (SBI Bank)
However, business loan approval depends on eligibility, documents, creditworthiness, business turnover, repayment capacity, collateral requirements and the bank’s internal policies.
SBI Fixed Deposits and Recurring Deposits
Fixed deposits and recurring deposits are popular among customers who want predictable savings options.
SBI Fixed Deposit
An SBI fixed deposit allows customers to deposit a lump sum for a chosen period. The bank pays interest according to the applicable rate and tenure. FD interest rates can change, so customers should verify the latest rates before booking.
SBI Recurring Deposit
A recurring deposit is useful for people who want to save a fixed amount every month. It is commonly used by salaried employees, students, families and conservative savers.
FD vs RD: Which Is Better?
| Feature | Fixed Deposit | Recurring Deposit |
|---|---|---|
| Deposit style | One-time lump sum | Monthly deposit |
| Suitable for | People with surplus money | People saving gradually |
| Interest | Based on tenure and category | Based on tenure and monthly instalment |
| Flexibility | Good for parking funds | Good for disciplined saving |
| Risk level | Generally low, subject to banking terms | Generally low, subject to banking terms |
Practical Example
If someone receives a yearly bonus and does not need it immediately, an FD may be suitable. If someone wants to save ₹2,000 or ₹5,000 every month for a future goal, an RD may be easier.
Do not choose an FD or RD only because of the interest rate. Also check premature withdrawal rules, tax impact, auto-renewal settings and nominee details.
SBI Loans: Home, Personal, Education and Vehicle Loans
SBI Bank is widely searched for loans, especially home loans, personal loans and education loans. Loan terms can change frequently, and eligibility depends on the borrower’s profile.
SBI Home Loan
SBI home loans are used for buying, constructing or renovating residential property. SBI’s annual report page notes that home loans form a significant part of its domestic advances, showing the importance of this category for the bank. (SBI Bank)
Before applying for an SBI home loan, compare:
- Interest rate type
- Processing fee
- Loan tenure
- EMI affordability
- Prepayment rules
- Legal and valuation charges
- Property documentation
- Insurance requirements
- Tax benefit eligibility
SBI Personal Loan
A personal loan is an unsecured loan generally used for urgent personal expenses such as medical bills, travel, education support, weddings or debt consolidation. Because it usually does not require collateral, the interest rate may be higher than secured loans.
Check:
- Eligibility
- Interest rate
- Processing fee
- EMI
- Tenure
- Prepayment or foreclosure charges
- Late payment penalty
- Total repayment amount
SBI Education Loan
SBI education loans may help students finance higher education in India or abroad. The loan amount, margin, collateral requirement and repayment terms depend on the course, institution, borrower profile and co-applicant details.
Students should check:
- Eligible courses
- Eligible institutions
- Moratorium period
- Co-applicant requirement
- Collateral requirement
- Interest subsidy, if applicable
- Repayment start date
- Documents needed from college or university
SBI Vehicle Loan
A vehicle loan can be used to finance a car or other eligible vehicle. Before applying, compare the loan offer with dealer finance, other banks and non-banking finance companies.
Important points include:
- On-road price considered
- Loan-to-value ratio
- Interest rate
- Processing fee
- Hypothecation process
- Insurance requirement
- Prepayment rules
SBI Gold Loan
A gold loan is a secured loan where gold ornaments are pledged as collateral. It may be useful for short-term liquidity, but borrowers should understand repayment rules carefully because failure to repay can lead to loss of pledged gold according to bank terms.
SBI Cards: Debit Cards, Credit Cards and ATM Services
SBI customers often use debit cards for ATM withdrawals, point-of-sale transactions and online payments.
SBI Debit Cards
Debit cards are linked to a bank account. When a customer spends or withdraws cash, the money is deducted from the account balance.
Check these details:
- Annual fee
- ATM withdrawal limits
- Daily purchase limit
- International usage option
- Online transaction setting
- Contactless payment setting
- Replacement charges
- Card blocking process
SBI Credit Cards
SBI credit cards are generally offered through SBI Card, a separate listed company associated with the SBI brand. Credit cards may offer reward points, cashback, fuel benefits, travel benefits or shopping offers, depending on the card.
Before choosing an SBI credit card, compare:
| Factor | Why It Matters |
|---|---|
| Annual fee | A card is useful only if benefits justify the fee |
| Interest rate | Credit card interest can be high if dues are not paid in full |
| Rewards | Rewards should match your spending pattern |
| Joining benefits | Check real usability, not just headline value |
| Late fee | Missing payment can be expensive |
| Credit limit | Higher limit should not encourage overspending |
ATM and Cash Services
SBI has a large ATM network, but customers should still check ATM withdrawal limits, free transaction rules and charges. Rules may vary by account type, city category, card type and regulatory changes.
SBI Digital Banking: YONO, Net Banking and Mobile Banking
SBI Bank has invested heavily in digital banking. Many users search for SBI online banking, SBI net banking, YONO SBI, YONO Lite SBI and SBI mobile banking.
SBI Internet Banking
SBI internet banking allows customers to perform many banking activities online, such as:
- Viewing account balance
- Downloading account statements
- Transferring funds
- Opening deposits
- Paying bills
- Managing beneficiaries
- Requesting cheque books
- Updating certain service preferences
- Paying taxes or government dues where supported
Customers should always access SBI internet banking through the official website or verified app. SBI’s old domain has announced migration to the newer corporate website URL, and customers should bookmark official SBI URLs for safer access. (State Bank of India)
SBI YONO
YONO is SBI’s digital banking and lifestyle platform. It supports banking, payments and certain financial services. SBI’s official YONO page explains features such as YONO Cash, where customers can generate a reference number and use a YONO Cash PIN for cardless cash withdrawal at supported channels. (SBI Bank)
YONO Lite SBI
YONO Lite SBI is a mobile banking application for SBI customers. The app listing describes it as a retail internet banking-based mobile application available in multiple Indian languages. (Google Play)
Digital Banking Checklist
| Task | Safety Tip |
|---|---|
| Login | Use only official SBI website or app |
| Password | Never share password, PIN or OTP |
| UPI | Verify recipient before payment |
| Beneficiary | Add only trusted beneficiaries |
| Public Wi-Fi | Avoid banking on public networks |
| App download | Use official app stores only |
| SMS links | Do not click suspicious banking links |
| Device security | Keep phone lock and app updates active |
SBI Bank for NRIs
SBI also offers banking services for non-resident Indians. NRI customers may need accounts for remittances, savings, investments, family support, loan repayments or property-related transactions in India.
Common NRI banking needs include:
- NRE account
- NRO account
- FCNR deposit
- Remittance services
- Home loan for property in India
- Investment-linked services
- Account operation through digital channels
NRI rules depend on Indian regulations, residence status, tax laws and documentation. Customers should verify details with SBI’s official NRI banking section, a qualified tax professional or a branch authorized to handle NRI services.
SBI Government Schemes and Pension Services
SBI is often used for government-linked banking because of its public sector presence and reach. Customers may use SBI accounts for pension, subsidies, social security schemes, tax payments or other government-related transactions.
Examples of services customers may explore include:
- Pension account
- Public Provident Fund support, where applicable
- Sukanya Samriddhi account support, where applicable
- Senior citizen savings schemes, where applicable
- Tax payment services
- Government subsidy credit
- Direct Benefit Transfer-linked accounts
Government scheme rules can change. Always check the official government portal, SBI branch or SBI website before applying.
SBI Customer Care and Branch Support
SBI customers may need support for account access, card blocking, failed transactions, loan queries, cheque issues, digital banking problems or fraud reporting.
Common Support Channels
Customers can generally use:
- SBI branch
- SBI customer care numbers listed on the official website
- SBI internet banking support
- YONO app support options
- Email or complaint forms listed by SBI
- ATM or branch locator tools
- Grievance redressal channels
Avoid using customer care numbers found randomly on social media, search result ads or unverified websites. Fraudsters often create fake helpline numbers.
When to Visit a Branch
Visit a branch for:
- Account opening
- KYC updates
- Nominee addition or correction
- Loan documentation
- Locker services
- Certain pension services
- Complex complaint resolution
- Signature update
- Account conversion or closure
When Digital Banking May Be Enough
Digital banking may be enough for:
- Balance check
- Mini statement
- Fund transfer
- Bill payment
- FD opening
- Cheque book request
- Debit card control
- UPI payments
- Basic service requests
SBI Bank Charges, Interest Rates and Fees
This is one of the most important sections for customers. SBI Bank charges, interest rates and fees may change based on RBI policy, SBI internal policy, account type, customer category and product terms.
Do not rely on old screenshots, social media posts or outdated blogs for:
- Savings account interest rates
- FD rates
- Home loan rates
- Personal loan rates
- Processing fees
- ATM charges
- Debit card fees
- Cheque book charges
- Locker charges
- Minimum balance rules
- SMS alert charges
- Credit card fees
The safest approach is to check:
- SBI official website
- Product brochure
- Schedule of charges
- Branch notice board
- Loan sanction letter
- Credit card MITC document
- RBI circulars where relevant
Why Fees Matter
A product that looks attractive may become expensive if you ignore fees. For example:
- A low-interest loan may include processing fees or insurance costs.
- A credit card may have a high annual fee.
- A current account may require a higher minimum balance.
- A debit card may have an annual maintenance fee.
- Premature FD withdrawal may reduce returns.
Always calculate the total cost, not just the headline benefit.
Safety Tips for SBI Bank Customers
SBI’s personal banking page clearly warns customers that the bank never asks for user ID, password, PIN or OTP through phone calls, SMS or emails. (SBI Bank) This warning is extremely important because banking fraud often begins with fake calls, fake links or fake customer care numbers.
Never Share These Details
Do not share:
- OTP
- ATM PIN
- UPI PIN
- Internet banking password
- Profile password
- Debit card CVV
- Full card number with expiry and CVV
- YONO login credentials
- Screen-sharing access
- Remote access app permissions
Common Banking Fraud Examples
| Fraud Type | Warning Sign |
|---|---|
| Fake KYC update | Caller asks for OTP or link click |
| Fake customer care | Number found on random website or social media |
| Refund fraud | Fraudster asks you to scan QR code to receive money |
| Screen-sharing fraud | Caller asks you to install remote access app |
| Phishing SMS | Message claims account will be blocked immediately |
| Fake reward | Link promises cashback, subsidy or lottery |
What to Do If You Suspect Fraud
- Block your card or account access immediately through official channels.
- Contact SBI using verified customer care details.
- Report the transaction through official complaint channels.
- Inform the cybercrime reporting portal or local police, where needed.
- Change passwords and PINs.
- Do not delete SMS, email or transaction evidence.
SBI Bank vs Other Banks: What to Compare
SBI is a major bank, but customers should still compare before choosing a product. The best bank for one person may not be best for another.
Comparison Factors
| Factor | SBI Bank | Private Bank | Small Finance Bank |
|---|---|---|---|
| Branch reach | Generally strong across India | Strong in cities and towns | Varies by region |
| Digital banking | Strong and improving | Often polished and fast | Varies |
| Loan pricing | Competitive in many categories | Competitive for select profiles | May vary |
| Customer service | Branch-dependent | Often relationship-led | Localized |
| Product variety | Very wide | Wide | Focused |
| Trust factor | Public sector familiarity | Brand and service driven | Region or niche driven |
Questions to Ask Before Choosing Any Bank
- Is the nearest branch convenient?
- Is the digital app reliable for your needs?
- Are charges transparent?
- Is customer support responsive?
- Are loan terms competitive?
- Does the bank suit your income and transaction pattern?
- Can you easily maintain the required balance?
- Are you comfortable with the bank’s digital process?
Documents Commonly Needed for SBI Services
Documents vary by product and customer type, but commonly required documents include:
| Service | Common Documents |
|---|---|
| Savings account | PAN, Aadhaar or other KYC documents, photo, address proof |
| Current account | Business registration proof, PAN, address proof, GST details where applicable |
| Home loan | Identity proof, address proof, income proof, bank statements, property papers |
| Personal loan | Salary slips, bank statements, KYC documents, employment proof |
| Education loan | Admission proof, fee structure, academic records, co-applicant documents |
| NRI account | Passport, visa, overseas address proof, Indian address proof, photographs |
| Credit card | PAN, address proof, income proof, bank statements where required |
Customers should check the latest document list before visiting a branch or applying online.
Practical Examples for Different Users
Example 1: Salaried Employee
A salaried employee may use SBI Bank for:
- Salary account
- UPI payments
- Debit card
- Credit card
- FD for emergency fund
- Home loan
- Tax-saving investment options, where suitable
Best approach: Keep salary account active, enable digital banking, maintain emergency savings and compare loan offers before borrowing.
Example 2: Student
A student may use SBI for:
- Savings account
- Education loan
- Debit card
- UPI
- Scholarship or government benefit credit
- Small recurring deposit
Best approach: Learn digital banking safety early and avoid sharing OTP or UPI PIN with anyone.
Example 3: Small Business Owner
A small business owner may use SBI for:
- Current account
- POS or QR collection
- SME loan
- Cash deposit
- Vendor payments
- Salary payments
- GST or tax-related payments
Best approach: Compare current account charges, cash deposit limits and digital transaction features.
Example 4: Pensioner
A pensioner may use SBI for:
- Pension account
- ATM withdrawals
- Fixed deposits
- Senior citizen schemes, where eligible
- Nominee and family banking support
Best approach: Keep nominee updated, avoid fraud calls and use official branch support for pension-related issues.
Example 5: NRI Customer
An NRI customer may use SBI for:
- NRE or NRO account
- Remittances
- Family support in India
- Home loan
- Deposits
- Property-related payments
Best approach: Confirm tax rules, repatriation rules and account type before depositing funds.
Checklist Before Choosing an SBI Bank Product
| Checklist Item | Why It Matters |
|---|---|
| Product purpose is clear | Prevents choosing the wrong account or loan |
| Latest rates checked | Rates may change frequently |
| Fees reviewed | Hidden costs can affect value |
| Eligibility confirmed | Avoids application rejection |
| Documents ready | Saves time |
| Digital access understood | Helps manage account easily |
| Nominee added | Important for family protection |
| Fraud safety followed | Protects money |
| Terms read carefully | Avoids surprises later |
| Official source verified | Reduces misinformation risk |
Common Mistakes to Avoid
Choosing a Loan Only by EMI
A low EMI may simply mean a longer tenure. Longer tenure can increase total interest outgo. Compare total repayment amount, not just monthly EMI.
Ignoring Account Charges
Some customers open accounts without checking debit card fees, SMS charges, minimum balance rules or cash transaction limits. Review charges before applying.
Using Fake Customer Care Numbers
Never search randomly for “SBI customer care number” and call the first number you see. Use official SBI sources only.
Sharing OTP or PIN
No genuine bank employee needs your OTP, PIN or password. Sharing these details can lead to financial loss.
Not Updating Mobile Number
Your registered mobile number is essential for alerts, OTPs and security communication. Keep it updated.
Not Adding Nominee
Nomination helps family members handle claims more easily in unfortunate situations. Add or update nominee details for accounts and deposits.
FAQs About SBI Bank
1. What is SBI Bank?
SBI Bank is the commonly used name for State Bank of India, a public sector bank offering savings accounts, loans, deposits, cards, digital banking, business banking and other financial services.
2. Is SBI Bank a government bank?
State Bank of India is a public sector bank. Customers should still review product terms, charges and service conditions before choosing any banking product.
3. How can I open an SBI Bank account?
You can generally start through SBI’s official digital channels or visit a nearby branch. The process may require KYC documents, photographs and other details depending on account type.
4. What is SBI YONO?
SBI YONO is SBI’s digital banking platform that supports banking, payments and selected financial services. Customers should download it only from official app stores.
5. Is SBI net banking safe?
SBI net banking can be safe when used correctly. Use only official SBI websites, avoid public Wi-Fi, never share OTPs, and do not click suspicious links.
6. Does SBI Bank offer home loans?
Yes, SBI offers home loans, but eligibility, interest rates, tenure, charges and documents depend on the borrower profile and current bank policy.
7. How do I check SBI Bank interest rates?
Check the latest interest rates on SBI’s official website, branch notices, product brochures or verified customer support channels. Do not rely on outdated posts.
8. Can NRIs open accounts with SBI Bank?
SBI offers NRI banking services such as NRE and NRO accounts, subject to eligibility, documentation and regulatory rules.
9. What should I do if I receive a fake SBI call?
Do not share any details. Disconnect the call, block suspicious numbers, contact SBI through official channels and report fraud attempts where necessary.
10. Does SBI Bank provide credit cards?
SBI-branded credit cards are generally offered through SBI Card. Compare annual fees, rewards, interest rates, late fees and eligibility before applying.
11. How can I find the nearest SBI branch or ATM?
Use SBI’s official branch or ATM locator tools, official app features or verified bank resources. Avoid third-party pages that may show outdated information.
12. Is SBI Bank good for small businesses?
SBI can be suitable for small businesses because it offers current accounts, SME loans and business banking services. Compare fees, transaction limits and support quality before choosing.
Conclusion
SBI Bank is one of India’s most important banking institutions, serving individuals, businesses, students, pensioners, NRIs and government-linked customers. Its wide range of services includes savings accounts, current accounts, fixed deposits, loans, debit cards, credit cards, YONO, internet banking, mobile banking and business banking.
The biggest advantage of SBI Bank is its scale, familiarity and broad service network. At the same time, customers should not choose any banking product blindly. Always check the latest interest rates, charges, eligibility, documents and terms from official SBI sources before applying. For digital banking, use only verified SBI channels and never share OTP, PIN, password or card details with anyone.
A good banking decision is not about choosing the most popular bank; it is about choosing the right product for your needs, understanding the costs, and using the service safely. SBI Bank can be a strong option for many customers, provided they compare carefully and stay alert against fraud.
Disclaimer
This article is for general informational purposes only. Banking products, interest rates, charges, eligibility rules, documents, digital banking features and government scheme rules may change from time to time. Please check the official SBI website, official RBI updates, product documents, branch communication or verified customer support channels before making any financial decision. This article does not provide investment, legal, tax or financial advice.
