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Many banks have apps you can download onto your smartphone or tablet, allowing you to While banks do their best to make sure mobile banking is secure. Fill out the application: To deposit money from another bank account to open the new one, you will need debit card information, or routing and. 1. Best Free Banking App for Teens: Axos Bank First Checking · 2. Chase First Banking: Best Free Debit Card for.

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Top 10 Mobile Banking Apps in India

top mobile banking apps india

In the last few decades, we have seen massive progress in technology. The digital era is all around - from desktops to laptops and iPads, software to applications, and mobile phones to Android gadgets. The use of a mobile banking app is common these days. A mobile banking app offers speed, flexibility, and ease while doing online transactions.

Now, many people in India are not comfortable with traditional banking anymore. Hence, they have adopted mobile banking. As a result, almost every PSU bank and private sector bank is providing mobile banking apps for online transactions. This reduces the requirement for a laptop or desktop and above all, you don’t need to visit the bank physically for performing any banking task.

After downloading and installing a mobile banking app on your mobile device, you can perform all banking tasks according to your feasibility. Here, we have compiled the top 10 mobile banking apps in India along with the crucial features a mobile banking app should have.

Top 10 Mobile Banking Apps in India

1. Kotak-811 & Mobile Banking

In our list of top 10 mobile banking apps in India, Kotak-811 is number one. The prime reason behind this is you can open a zero-balance savings account with Kotak-811 with an internationally enabled virtual debit card. The app has an attractive UI with many in-app features. Recently, Kotak Mahindra Bank has launched the first WhatsApp banking in India as well.

2. HDFC Bank Mobile Banking

  • HDFC is considered one of the largest Indian banks. Its mobile banking application allows all customers to check their account summary, make credit card payments, transfer funds, and pay utility bills. The application enables customization of the ‘My Menu’ tap on the app where the most commonly used services are available.
  • This mobile banking app is available in Hindi as well and features a LITE version that has compatibility with lower internet speeds. Although the LITE version doesn’t feature everything like the regular one, it covers the most commonly used services.

3. YONO Lite SBI

Previously known as SBI Anywhere Personal, YONO Lite SBI is the mobile app for the State Bank of India account holders. This application supports Punjabi, Gujarati, Tamil, Hindi, and English languages. Having lots of features, this mobile banking app is easy to use and secure. Alongside click-based transactions, you can utilize voice-assisted transactions also in this application.

4. Axis Mobile

  • Due to its amazing stability, the Axis Mobile application is extremely famous. This banking app allows all customers a lot of services and functions. Along with the basic funds transfer and checking account statements, users can schedule credit card payments for a particular date according to their suitability through this app, change credit card payments to EMIs, deactivate debit cards temporarily, set limits on purchases through debit card, block cards, and replace them.
  • Application users also can set auto-pay bills and standing instructions for more than 200 utility services. Through this banking app, you can make a Favorite list with the 10 most common transactions done on the app. Moreover, customers can tweet and email feedback straight from the application and ask for a call back from the customer care representative.

5. IDBI Bank GO Mobile+

  • IDBI Bank GO Mobile+ application boosts the customer banking experience with a tailored, simple UI offering an extensive array of services and features. IDBI mobile banking enables users to avail multiple banking services anywhere and anytime.
  • Consumers of IDBI bank can sign up and log in to this app and check account statements, payments, make bill payments, transfer funds, and more. Furthermore, customers can also recharge prepaid mobile or make utility bill payments through this app.

6. Baroda M-Connect Plus

  • The M-Connect Plus app of Bank of Baroda is an extremely user-friendly mobile banking app. It enables customers to make credit card payments, pay utility bills, and transfer funds immediately. Moreover, the app enables consumers to make cash withdrawals without using a card from BOB ATMs.
  • The app gives a complete view of account details and transaction history and allows consumers to ask for a new cheque book. One of the most noteworthy features of M-Connect Plus is that it is now available in seven regional languages. And this enhances its availability among all consumers across the nation.

7. iMobile Pay by ICICI Bank

  • iMobile Pay, the mobile banking application of ICICI Bank is one of the highest-rated banking apps in India. This app enables its consumers to pay credit card bills, transfer money, open RDs & FDs, pay utility bills, and handle Life Insurance policies.
  • Moreover, this banking app helps customers transfer money immediately through UPI payments, locate ICICI Bank ATMs, and transfer money to a mobile number or email ID. The latest update of this app reflects bug fixing and allows users to avail immediate personal loans against their credit cards, check loan eligibility, and upgrade debit cards.

8. CANDI – Mobile Banking App!

CANDI – Mobile Banking App of Canara Bank is introduced by the bank with a big goal of executing ‘One Bank, One App’. This multi-channel app supports many banking services incorporating opening an FD or RD, money transfer, loan payments, EMI payments, and more.

9. BOI Mobile

  • BOI Mobile is the official mobile banking app of the Bank of India. This is the most secure and detailed app that provides any type of banking facility you need on your mobile. You just need to sign up for availing yourself of the mobile banking services of the Bank of India.
  • BOI Mobile allows its users to view and make transactions from all your accounts incorporating Deposits and Loans. Also, you can check your account balance, passbook, and email detailed bank statements, transfer money to any bank account through RTGS, NEFT, or IMPS, and get customized offers on your mobile.
  • BOI Mobile boasts the Favorite feature that helps you transact the fastest way. You can fast access and finish your transactions for money transfer by tagging a transaction as favorite. Moreover, this mobile banking app offers multiple banking services like locating an ATM, checking the status of or stop your cheque facility, track your service requests, order a cheque book, and so forth.

10. PNB ONE

PNB ONE is the official initiative of Punjab National Bank. It integrates several banking procedures being served through one platform. This mobile banking app allows you to check account statements, transfer money, handle credit and debit cards, invest in term deposits, and several other amazing services just a click away.

Quintessential Features of a Mobile Banking App

  • Payment System – The best mobile banking app in India should include every payment system available these days. For instance, the app should incorporate IMPS, BHIM-UPI Payment system, NFC Technology, RTGS or NEFT, QR Payment, etc.
  • Security – Before installing a mobile banking app, you need to consider security also. It must have a two-factored and secured registration process. There should be smartphone specific application installation and biometric authentication must also be there.
  • Credit Card Handling – The best mobile banking app in India should have an individual Credit Card segment for seamless handling of credit card transactions.
  • Beneficiary Handling – The application should enable beneficiary adding for IMPS, UPI payment, or NEFT payments so you don’t need to make a similar payee for transactions done again.
  • Notification – T The app should notify all updates, banking transactions, or offers through email, SMS, or the notification center of your mobile.
  • Branch or ATM Locator – A good mobile banking app should have the feature to locate the nearest branch or ATM.
  • AI-Enabled Chatbot – The app must have an in-app chatbot for fixing user-specific issues.
  • Bill Payment System – A banking app must include Bill payment and register features. For instance, the best mobile banking app in India must allow for registering bills like Mutual Fund online SIP UIN, LIC Premium, Visa Credit Card Bill, etc for seamless banking from home.
  • Non-Traditional Banking Facilities – The app must integrate some non-traditional facilities like NPS or PPF account opening, budget tracking service, flight or hotel booking, IRCTC rail ticketing, purchasing movie tickets from the app, etc.
  • Other Traditional Facilities – A good banking app should incorporate all conventional banking facilities, such as PIN generation, ATM card issue, block, cheque book requests, balance inquiry, current offers section, linking multiple accounts, tracking your deliverables, etc.

Which One is the Best Mobile Banking App in India?

All the aforesaid apps meet the needs of a perfect banking app. We have only compiled the list of the top 10 mobile banking apps in India. Aside from these apps, many other banking platforms are also there to meet your requirements. So, consider all the parameters while choosing the best mobile banking app in India and download it on your iOS or Android mobile device.

Источник: https://moneyview.in/beginners-guide-managing-money/top-mobile-banking-apps-india

Europe's top 10 mobile banking apps

A new in-depth benchmark of nearly 80 mobile banking applications has shed light on the top performing apps in Europe.

Banking is changing at an unprecedented rate around the world – the most notable disruptive factors being digital transformation and growing regulatory pressure. Underlining these forces is an increasingly discerning consumer – one who demands, speed, efficiency, convenience and security all at once.

For banks, it is no longer enough to just have a digital banking application. These should offer a seamless customer experience, and fitted to individualised needs and preferences. Indeed, this is among the few differentiating factors left amid a uniformly digitalising sector. The Open Banking wave, which allows customers to move across various financial apps through a single interface, is an example of concerted efforts towards better customer experience.

Having explored several criteria that span functionality of banking apps, customisation levels and user experience – among others – management consultancy Sia Partners has used its own digital transformation expertise to evaluate 79 banks across the world. Out of the benchmark, here are the banks with Europe’s ten best performing mobile apps.

Europe's top 10 mobile banking apps

1. Revolut
Country: United Kingdon
Founded: 2015

Revolut is built as a sustainable digital alternative to traditional big banks, designed to help customers improve financial control, health and cohesion. Named Deloitte’s fastest growing UK FinTech company last year with more than 9 million users.

2. Belfius
Country: Belgium
Founded: 2012

Among the leaders of Belgiums’s banking sector – with nearly 4 million customers – Belfius has had great success with its digital banking app. The app currently has more than 1 million customers, making it the most used digital platform in the country.

3. Intesta Sanpaolo
Country: Italy
Founded: 2007

Intesta is an Italian banking giant with customer base of over 11 million. The bank launched a digital transformation programme in 2018 to improve its app-based offerings.

4. KBC
Country: Belgium
Founded: 1998

KBC is a banking and insurance stalwart across Belgium and in Central and Eastern Europe, with more than 11 million customers. The bank is home to more 35,000 employees across its global outfit.

5. Boursorama
Country: France
Founded: 2006

A leading French bank since 1998, Boursorama launched its online banking service in 2006 and has since amassed more than 700,000 customers. Competitive pricing is among the bank’s unique offerings, with over 15 online services offered free of charge.

6. Bunq
Country: Netherlands
Founded: 2012

Bunq prides itself on being the “Bank of The Free,” providing an entirely alternative banking system that offers users maximum choice in their own financial affairs. Bunq launched its banking app in 2015, and specialises in FinTech innovations that improve customer experience.

7. BBVA
Country: Spain
Founded: 1857

With a 160 year heritage, BBVA has nearly 80 million customers across the world, and positions itself as a driver of transformation in the banking world. The bank is currently undergoing a comprehensive digital transformation to offer cutting edge ‘21st century banking.’

8. N26
Country: Germany
Founded: 2013

Branded as the “first mobile bank the world loves to use,” N26 has amassed more than 5 million customers across the world. The goal is to help customers manage their finances on-the-go.

9. Illimity
Country: Italy
Founded: 2018

Illimity is setup as a “new paradigm bank” with an innovative business model that serves the corporate credit, purchase & servicing of NPL portfolios and direct banking markets. The bank has more than 30,000 customers.

10. Barclays
Country: United Kingdom
Founded: 1690

Barclays is a highly diversified “universal” bank with nearly 50 million global customers. The firm’s dedicated digital banking platform offers customers a range of secure online banking options – transactions, reporting and communications included.

Evident from Sia Partner’s benchmark is the dominance of European banks. Anthony Wolf from Sia Partners in Belgium listed some of the factors that put European players in favour over their counterparts. “European banks tend to score better thanks to higher ratings in the app stores and a broader catalogue of functionalities, which are easier to use and more often customisable. They also typically offer better in-app advice, for example on investments and banking products.”


Источник: https://www.consultancy.eu/news/5179/europes-top-10-mobile-banking-apps
U.S. Bank (usbank.com) protects customers from fraud loss. For more information about U.S. Bank Mobile Banking, please visit usbank.com/mobile or call us toll-free at 800-685-5035.
Investment and insurance products and services including annuities are:
Not a Deposit ● Not FDIC Insured ● May Lose Value ● Not Bank Guaranteed ● Not Insured by any Federal Government Agency
For U.S. Bank:
Equal Housing Lender. Credit products offered by U.S. Bank National Association and subject to normal credit approval. Deposit products are offered by U.S. Bank National Association. Member FDIC.
U.S. Bank is not responsible for and does not guarantee the products, services, or performance of U.S. Bancorp Investments.
For U.S. Bancorp Investments:
Investment and insurance products and services including annuities are available through U.S. Bancorp Investments, the marketing name for U.S. Bancorp Investments, Inc., member FINRA and SIPC, an investment adviser and a brokerage subsidiary of U.S. Bancorp and affiliate of U.S. Bank.

Version 3.0.5014

New mobile app features are now available!
• Manage goals with a progress bar and get recommendations to stay on track with a new Insight card on your dashboard.
• Add a note or emojis when depositing a check to help track deposits.
• Quickly find answers to your banking questions with U.S. Bank Smart AssistantTM.

Ratings and Reviews

4.8 out of 5

1.2M Ratings

Such An Amazing Interface!

I’ve been a US Bank member for years, and my favorite feature of the whole company, is its seamless Online Banking System. I’m not someone who typically leaves reviews, but this is an app I will happily make an exception for!

US Bank has streamlined the process of managing and moderating your account through this app. The interface is extremely easy to navigate and put all the most important information right in front of you as soon as you log in. There is no digging around or wasting time sorting through countless tabs, just to ultimately not end up finding what you’re looking for. The homepage provides clear insights into your transaction history, allowing for quick and easy comprehension of where and how your money is being moved around. On top of that, the app’s homepage takes advantage of the smartphone platform by providing convenient shortcuts for using the most popular online banking tools. This is excellently performed through implementing small, easy to understand, button shortcuts located at the bottom of your screen, ingeniously positioned so they are out of the way, yet still readily available, and oriented so they will never block any of the important information displayed on the homepage.

Overall, this app is beyond what I would ever expect from any large bank. And having superseded my expectations, I would certainly recommend it to anyone using US Bank without a doubt.

Best Mobile Bank App

I’ve only had two bank accounts my entire 28 years. First with Bank Midwest and it was the worst few years of banking ever. The mobile app did was like using windows 98 in the year 2010. I have had US Bank for several years now and besides being one of the best banking institutions around, even though I’ve only had one other account, I can say this because I come from a large family and every single member uses US Bank. All my siblings, parents, grandparents, cousins, aunts, and uncles. The mobile app is so easy to use and it’s not confusing at all. The moment you log in your accounts are listed; if you have multiple they are all right there as soon as you sign in. There are not many buttons to click so it’s easy to navigate to what you need. I will forever use my mobile app for all my banking needs; you can even upload a check. I still like to go into my banks building to do some of my banking because I love to keep up with the staff. But as far as mobile banking apps go this is the one to have. So, if you don’t have US Bank as your banking institution I suggest you take all your money out of the bank you use now, head to the nearest US Bank and open an account ASAP. Then you can have access to the best bank and the best mobile banking app!

Why change is not always better.

I consider myself very functional in modern device technology. I typically have a very change positive attitude. However, I am tired of change for change sake and not happy with the new update. I don’t know why developers think a new update means change everything and force end-users to re-learn how to do the exact same functions as the previous app. Make it look better, add more functionality, add greater security....fine, awesome but why reconfigure every thing on the surface. Now I have to muddle through figuring out a NEW way to complete the exact same tasks, only now with new bugs and reduced speed. It now takes twice as long to pay bills as the previous version. If you’re going to make me watch the infinity circle spin whilst the “new and improved” app navigates it’s program; at least you could program some upbeat elevator music to pacify my impatience. The new steps are different and not intuitive at all. The problem is I have no other choice of apps for US Bank so I’m stuck suffering through inept app design created by developers that apparently don’t use banking apps. Of course don’t get me started on now being forced to wait through the many updates inevitably coming in the hopes of correcting bugs that had already been solved in the previous version. By the way; “faster app” may need to be addressed in your advertising before some ambulance chasers decide they can make a few $ for false advertising.

The developer, U.S. Bancorp, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Linked to You

The following data may be collected and linked to your identity:

  • Purchases
  • Financial Info
  • Contact Info
  • User Content
  • Identifiers
  • Usage Data

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

Privacy practices may vary, for example, based on the features you use or your age. Learn More

Information

Seller
U.S. Bancorp

Size
239.5 MB

Category
Finance

Compatibility
iPhone
Requires iOS 11.0 or later.
iPad
Requires iPadOS 11.0 or later.
iPod touch
Requires iOS 11.0 or later.
Mac
Requires macOS 11.0 or later and a Mac with Apple M1 chip.
Languages

English, Spanish

Age Rating
4+

Copyright
© 2021 U.S. Bancorp

Price
Free

Supports

  • Wallet

    Get all of your passes, tickets, cards, and more in one place.

  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

  • Siri

    Get things done within this app using just your voice.

More By This Developer

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Источник: https://apps.apple.com/us/app/u-s-bank/id458734623
Mobile and online security

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Источник: https://www.investopedia.com/banking-4427754

Top 10 Digital Banking Apps in 2021

Traditional brick and mortar banks were the only options for consumers when it came to financial transactions. However, In the past 10 years, there has been an introduction to a new way of banking. Online, also called mobile or digital, banks were introduced in Europe and the UK and have been taking the financial world by storm.

The advantage of this form of banking is that they have fewer overheads than their traditional high street counterparts. This benefit means they can pass these savings onto you in the form of lower fees. All of these accounts are operated by smartphone and desktop apps 24 hours a day, 7 days a week. There is no more waiting around for them to open their branches.

There are a number of digital banks on the market, here is a round of the top 10 in 2021.

N26

Established in Germany in 2015, N26 Mobile Bank was one of the pioneers of the mobile banking concept. 5 years later, they have an excess of 5 million customers in 25 different markets. N26 offers both personal and business banking options. Its accounts provide a debit MasterCard, free transfers and payments, and up to 5 fee-free atm withdrawals every month. Its basic account starts at €0.00 per month.

Anyone can open accounts as long as they have a physical address in one of 17 different European countries. N26 provides excellent customer support via its app in 5 languages, English, French, German, Spanish, and Italian.

Premium account holders get added benefits like an insurance for medical, travel, and car hire, as well as offers and discounts from N26’s business partners..

N26 Spending categorization

Bunq

The Netherlands based Bunq launched its banking product for personal customers in November of 2015. A year later, their business banking offering was released. It offers accounts to all the countries of the European Union, Iceland, and Norway, with more coming.

bunq accounts offer debit MasterCards, free payments and transfers, and no charge for transactions via Apple, Google, and Fit-Bit pay applications. Premium accounts include unlimited free direct debits. Business accounts provide up to 3 debit MasterCards for free plus €9.00 each for additional cards. Transaction fees begin at €0.10 per payment.

What sets Bunq apart from its competitors is its fierce commitment to saving the planet. In a banking world first, for customers of its Supergreen product, it offers to plant trees in your names for every €100.00 spent.

bunq security

Paysend

Paysend Global Transfers has over 1.5 million customers who take advantage of its money transfer program. It makes sense for them to branch out into digital banking.

A Paysend Global account can be opened in one of 31 European countries and the UK. Its prepaid MasterCard can hold currencies in GBP, CHF, CNY, EUR, RUB, or USD. Link one of these to the card initially, and switch it as you travel. The card can be used at any ATM or store displaying the MasterCard logo.

You can transfer money to friends’ bank accounts all over the UK and Europe for free. Convert currencies at the live exchange rate with no hidden fees.

Paysend has partnered with these merchants to offer a PayLater program. Purchase a good or service and pay for it up to 14 days later, with no interest:

  • Amazon
  • Airbnb
  • Booking.com
  • British Airways
  • Deliveroo
  • John Lewis
  • Marks & Spencer
  • RyanAir

Supported by devices with iOS 11 and above and Android 5.0 or newer. Get customer assistance via email or Whatsapp.

Starling Bank

Winner of Best British Bank for the last three years and recently, the Best Business Banking Provider 2020, Starling Bank is one of the UK’s entrants in the mobile banking scene.

Starling has over 1 million customers, with more than £1 billion in deposits. Customers have a choice of opening a personal, business, joint, or even a euro account. The latter allows you to receive, hold, and send euros for free.

Personal and business account holders benefit from no monthly fees, free withdrawals locally and overseas. Debit MasterCards are provided with all accounts.

Unlike some of its European competitors, Starling also offers personal and business loans and overdrafts. You can also send money to bank accounts in 38 countries in currencies that include South African Rand and Thailand Baht.

Another point of difference is its Teen Account available to 16 and 17-year-olds. Most other digital banks require their customers to be over 18.

Starling Personal Loans

Monese

In only 5 years, British digital bank Monese has almost 1 million customers and has earned a 9.2/10 Trustpilot score. Based on this, Monese is one of the most trusted and most popular banking services across the UK and Europe. They claim to have around 3,000 new sign-ups every day.

Monese offers accounts to everyone, students, ex-pats, and foreign nationals included. It doesn’t perform credit checks or requires you to have a UK address. All that’s necessary to open an account online is a selfie and a photo of your national ID card or passport.

All its accounts offer free transactions via Apple and Google pay, as well as zero-fee direct debits. For a low monthly charge of £14.95, all ATM withdrawals are free too. A second account in EUR or GBP is also available.

Customer service is provided in 14 languages directly from the app, or via phone or email.

Monese Budgeting

ANNA Money

Relatively new digital banking entrant, ANNA, stands for Absolutely No-Nonsense Admin. This business banking product wants to take the burden of paperwork off your hands. The accounts are designed for sole traders, registered partnerships, and limited companies based in the UK. ANNA business account can also track your expenses, do your invoicing, and sort your company taxes.

Open an account online within 10 minutes and receive your debit MasterCard in 5 business days. Customer service is provided directly from the app, 24/7, from its base in Cardiff.

The monthly fee structure is based on your business’s income. Starting from £0 for monthly income under £500, to £19.90 for turnover of up to £500,000.

Anna invoicing

Qonto

French entrant Qonto offers 3 different types of business banking products. Currently, with 75,000 French organisations as customers ranging from sole traders to large companies.

Freelancers and sole traders benefit from a business account that gives them 1 debit Mastercard and a French, Italian, or Spanish IBAN. Monthly charges range from €9 to €20, with the latter offering unlimited ATM withdrawals fee-free.

Organizations can choose an account based on the number of team members. For up to 5 users only, the monthly fee is €29, and you get 2 debit MasterCards and 100 fee-free transfers and direct debits. The corporate plan for €299 per month gives you 15 cards and 200 transactions before a fee of €0.15 each kick in.

Qonto has this neat little account designed for business startups. To assist with the finalisation of a company, capital investors can deposit their funds here. Qonto will provide a deposit certificate within 3 business days. When the registration is completed, the funds are released into your Qonto business account.

qonto payments

Holvi

Holvi was founded in Finland in 2011 primarily to offer business banking services to sole traders, freelancers, and entrepreneurs. It has 3 products: Starter, Grower, and Unlimited.

The first is designed for sole traders. It provided 1 account, 1 debit MasterCard and a zero monthly fee. ATM withdrawals are charged at 2.5% of the transaction, and transfers are unlimited at no cost. The Grower account, at €12 per month, is for small businesses. The offering is 1 account, 3 cards, free digital invoicing, and ATM fees of 2% per transaction. The Unlimited account is as good as its name. The monthly fee is €98, but for that, you can have as many debit MasterCards as you want, and unlimited ATM withdrawals.

Holvi’s accounts users love its digital invoicing feature. This function enables you to create an invoice for your customers on-the-spot, straight from the app. This encourages faster payment from your clients.

Holvi Accounting Tools

Revolut

Over 1 million customers have rated UK digital bank Revolut with 5 stars for its consumer and business products. A Revolut account is available to residents of the 32 countries of the European Economic Area (EEA), including the UK. In addition, it can offer accounts to those based in Australia, Canada, Singapore, Switzerland, and the United States. Account-holders must be aged 18 years and over.

Revolut offers both personal and business banking products. Personal accounts range from £0 to £12.99 in monthly fees, with the latter offering a metal card and junior accounts for up to 5 kids. Business customers also start at £0 monthly fees for sole traders. Larger corporations can get a tailor-made package with a negotiated charge per month.

Revolut’s significant point of difference over its competitors. No matter the account, it offers trading in cryptocurrency, with up to 5 different ones on offer.

Revolut Cryptocurrency

Monzo

UK digital bank Monzo offers accounts for personal and business use. They have over 4 million customers in the UK and are looking at expanding internationally soon. Potential customers need to reside in the UK and be aged 16 and above. Monzo has one of the most diverse ranges of accounts of all the online banks.

Its current account for personal use has no monthly fees, and all withdrawals and payments in the UK are free of charge. You get a debit MasterCard and also interact with Apple and Google Pay.

The business pro account for only £5 per month offers multi-users, invoicing, integrated accounting, and partner offers.

Joint accounts offer customers a way to split or combine funds for paying bills or setting up savings. The account has 2 debit MasterCards with different card numbers.

Monzo Saving Pots

Online banking is the future, why not start now. Review and compare the top mobile banks:

Источник: https://top10mobilebanks.com/blog/top-10-digital-banking-apps-in-2020

Best mobile banking app -

According to the report, that “traditional banks can match neobanks’ speed and agility. Many banks launched brand-new apps this year or are in the process of doing so. Using state-of-the-art technology, modern development and delivery techniques, and plenty of development resources means that they can offer better mobile experiences and go as fast as neobanks ... or even faster. While digital banks still did well in our evaluation, they were overtaken on mobile experience by leading incumbents”.

Following these mobile banking app best practices to improve experiences, Forrester found that BBVA, and another European bank, consistently leads across different areas of mobile banking.

On this way, the report says BBVA is one of the banks that offers easy-to-understand spend forecasts that are grouped per budget category and that BBVA has a section in its app dedicated to sustainability, which includes a large portfolio of sustainable products such as loans, mortgages, cards, and investments as well as actionable advice to drive sustainable behaviors.

The Forrester Digital Experience Review

To find out how effectively banks are meeting customers’ expectations, Forrester reviewed the mobile apps of 13 European banking brands in June and July of 2021 for both functionality and user experience. Forrester selected leading retail banks as well as four fast-growing neobanks. Mobile banking apps are reviewed annually.

Forrester scored banks’ mobile apps across 25 functionality criteria and 25 user experience criteria. This research is combined with findings from unmoderated usability testing with 390 customers. Through this research,the best practices across many categories are uncovered.

Источник: https://www.bbva.com/en/bbva-an-overall-digital-experience-leader-five-year-in-a-row-according-to-european-mobile-banking-apps-q3-2021/

Best Banking Apps

Frequently Asked Questions

What Is a Banking App?

A banking app is a mobile app where you can access the details of your bank account and complete transactions directly from your phone, tablet, or mobile device. Based on the bank you’re accessing, you’ll be able to complete a variety of actions via your banking app.

Most banking apps allow you to view your current balance and transaction history, deposit checks up to a certain dollar value, initiate transfers to other bank accounts, schedule payments or pay your bills, send person-to-person payments, and locate ATMs that are free for you to use. 

How Does a Banking App Work?

Generally, you’ll have to download your banking app via an app store such as Apple’s App Store or the Google Play Store.

After you’ve downloaded and opened the app you’ll be asked to log in to your account using the same login information you use to access your bank account online from a web browser. Once you’re logged in, the experience will be different based on the banking app you’re accessing, but generally, you’ll be allowed to select the task you want to perform, such as viewing your balance, looking at your transaction history, or making a mobile deposit. 

The banking app is designed to work in a similar way to any transaction you’d complete at the bank that doesn’t involve cash. The hope is that you’ll be able to access your account and get your financial needs serviced easier and more quickly than you would if you had to go into a bank to complete the task. You cannot open an account from most banking apps, however.

How Much Do Banking Apps Cost?

Banking apps are free to download and use, but the costs for managing the app might be passed on to you by the bank. 

It’s not common to be charged for mobile app access, but if you are, then it will likely be a fine-print item in your bank account documentation. Most banks will just factor in the cost of the app to their overall operating costs so you’ll never really know what you’re paying for it. 

What Features Should I Look For in a Banking App?

The features you need in a banking app will depend on why you’re using the bank account to begin with. 

Most individuals will need some basic features, which should all be pretty standard in most big bank mobile apps today. These features include the ability to view your balance, see at least 90 days of transaction history, pay bills online, make person-to-person payments, schedule payments, arrange one-time transfers to other accounts at your bank as well as third-party banks, deposit checks, and contact customer support. 

If the banking app doesn’t have at least these features then it might not be a very robust offering.

Are Apps Safe for Banking?

Generally, yes, most banking apps are extremely safe to use. The banks have to have a good deal of security regardless of what features their mobile app offers. If you’re already accessing your bank information online via a web browser, then you’ll be accessing the same databases and information through a mobile app. Plus, if anything goes wrong your money is protected at all reputable banks up to $250,000 by the FDIC. 

How We Picked the Best Banking Apps

We scoured the internet for customer reviews, both positive and negative, and carefully considered ratings in the Apple App Store and Google Play Store. We only featured top-notch financial institutions that are FDIC insured and have a reputation for quality banking and customer service. For applicable institutions, we also relied on the 2021 J.D. Power U.S. Banking Mobile App Satisfaction Survey for more abundant data to help inform our analysis.

Источник: https://www.thebalance.com/best-banking-apps-4580289

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Actively scan device characteristics for identification. Use precise geolocation data. Store and/or access information on a device. Select personalised content. Create a personalised content profile. Measure ad performance. Select basic ads. Create a personalised ads profile. Select personalised ads. Apply market research to generate audience insights. Measure content performance. Develop and improve products. List of Partners (vendors)

Источник: https://www.investopedia.com/banking-4427754
U.S. Bank (usbank.com) protects customers from fraud loss. For more information about U.S. Bank Mobile Banking, please visit usbank.com/mobile or call us toll-free at 800-685-5035.
Investment and insurance products and services including annuities are:
Not a Deposit ● Not FDIC Insured ● May Lose Value ● Not Bank Guaranteed ● Not Insured by any Federal Government Agency
For U.S. Bank:
Equal Housing Lender. Credit products offered by U.S. Bank National Association and subject to normal credit approval. Deposit products are offered by U.S. Bank National Association. Member FDIC.
U.S. Bank is not responsible for and does not guarantee the products, services, or performance of U.S. Bancorp Investments.
For U.S. Bancorp Investments:
Investment and insurance products and services including annuities are available through U.S. Bancorp Investments, the marketing name for U.S. Bancorp Investments, Inc., member FINRA and SIPC, an investment adviser and a brokerage subsidiary of U.S. Bancorp and affiliate of U.S. Bank.

Version 3.0.5014

New mobile app features are now available!
• Manage goals with a progress bar and get recommendations to stay on track with a new Insight card on your dashboard.
• Add a note or emojis when depositing a check to help track deposits.
• Quickly find answers to your banking questions with U.S. Bank Smart AssistantTM.

Ratings and Reviews

4.8 out of 5

1.2M Ratings

Such An Amazing Interface!

I’ve been a US Bank member for years, and my favorite feature of the whole company, is its seamless Online Banking System. I’m not someone who typically leaves reviews, but this is an app I will happily make an exception for!

US Bank has streamlined the process of managing and moderating your account through this app. The interface is extremely easy to navigate and put all the most important information right in front of you as soon as you log in. There is no digging around or wasting time sorting through countless tabs, just to ultimately not end up finding what you’re looking for. The homepage provides clear insights into your transaction history, allowing for quick and easy comprehension of where and how your money is being moved around. On top of that, the app’s homepage takes advantage of the smartphone platform by providing convenient shortcuts for using the most popular online banking tools. This is excellently performed through implementing small, easy to understand, button shortcuts located at the bottom of your screen, ingeniously positioned so they are out of the way, yet still readily available, and oriented so they will never block any of the important information displayed on the homepage.

Overall, this app is beyond what I would ever expect from any large bank. And having superseded my expectations, I would certainly recommend it to anyone using US Bank without a doubt.

Best Mobile Bank App

I’ve only had two bank accounts my entire 28 years. First with Bank Midwest and it was the worst few years of banking ever. The mobile app did was like using windows 98 in the year 2010. I have had US Bank for several years now and besides being one of the best banking institutions around, even though I’ve only had one other account, I can say this because I come from a large family and every single member uses US Bank. All my siblings, parents, grandparents, cousins, aunts, and uncles. The mobile app is so easy to use and it’s not confusing at all. The moment you log in your accounts are listed; if you have multiple they are all right there as soon as you sign in. There are not many buttons to click so it’s easy to navigate to what you need. I will forever use my mobile app for all my banking needs; you can even upload a check. I still like to go into my banks building to do some of my banking because I love to keep up with the staff. But as far as mobile banking apps go this is the one to have. So, if you don’t have US Bank as your banking institution I suggest you take all your money out of the bank you use now, head to the nearest US Bank and open an account ASAP. Then you can have access to the best bank and the best mobile banking app!

Why change is not always better.

I consider myself very functional in modern device technology. I typically have a very change positive attitude. However, I am tired of change for change sake and not happy with the new update. I don’t know why developers think a new update means change everything and force end-users to re-learn how to do the exact same functions as the previous app. Make it look better, add more functionality, add greater security....fine, awesome but why reconfigure every thing on the surface. Now I have to muddle through figuring out a NEW way to complete the exact same tasks, only now with new bugs and reduced speed. It now takes twice as long to pay bills as the previous version. If you’re going to make me watch the infinity circle spin whilst the “new and improved” app navigates it’s program; at least you could program some upbeat elevator music to pacify my impatience. The new steps are different and not intuitive at all. The problem is I have no other choice of apps for US Bank so I’m stuck suffering through inept app design created by developers that apparently don’t use banking apps. Of course don’t get me started on now being forced to wait through the many updates inevitably coming in the hopes of correcting bugs that had already been solved in the previous version. By the way; “faster app” may need to be addressed in your advertising before some ambulance chasers decide they can make a few $ for false advertising.

The developer, U.S. Bancorp, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Linked to You

The following data may be collected and linked to your identity:

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

Privacy practices may vary, for example, based on the features you use or your age. Learn More

Information

Seller
U.S. Bancorp

Size
239.5 MB

Category
Finance

Compatibility
iPhone
Requires iOS 11.0 or later.
iPad
Requires iPadOS 11.0 or later.
iPod touch
Requires iOS 11.0 or later.
Mac
Requires macOS 11.0 or later and a Mac with Apple M1 chip.
Languages

English, Spanish

Age Rating
4+

Copyright
© 2021 U.S. Bancorp

Price
Free

Supports

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Источник: https://apps.apple.com/us/app/u-s-bank/id458734623

Screenshots

Description

Easy banking and investing with the top-rated1 U.S. Bank Mobile App.
Security at your fingertips
• Log in with your credentials for digital services at usbank.com. Don’t have online access? Enroll with the app.
• Be alerted to duplicate charges, suspicious activity, and low balances.
Manage accounts and cards
• View accounts & balances in one spot: checking, savings, credit cards, loans, and more.
• Securely access credit scores.
• Set travel notifications, lock & unlock cards, and more.
• Add cards to mobile wallet.
• Select your language preference – English or Spanish.
Personalized Insights
• Review monthly spending in key categories, like Food & Dining.
• Get recommendations on how to save and grow your money based on your spending history.
U.S. Bank Smart AssistantTM
• Manage accounts by asking "What’s the routing number for my checking account?"
• Move money by saying “Transfer $50 from checking to savings."
Easy money movement
• Send & request money with friends and family using Zelle®3.
• Quickly deposit checks, now with increased limits.
• Pay & manage bills in one spot.
• Make transfers between U.S. Bank accounts.
Explore products
• Find new accounts, credit cards, loans, small business accounts, & more.
• Apply from the app and often get a decision within minutes.
Help when you need it
• Explore the Help Center for answers to commonly asked questions.
• View banking demos on Digital Explorer.
• Schedule an appointment with a banker or get real-time support with Cobrowse.
• Locate branches & ATMs near you.
U.S. Bancorp Investments, an affiliate of U.S. Bank
• View U.S. Bancorp Investments accounts & balances.
• Make transfers between U.S. Bank accounts & U.S. Bancorp Investment accounts.

1. Industry benchmarking firm Keynova Group ranked U.S. Bank #1 for mobile app in its Q3 2021 Mobile Banker Scorecard.
2. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. U.S. checking or savings account required to use Zelle®. Requests for money with Zelle® sent to a U.S. mobile number require that the mobile number first be enrolled with Zelle®.
U.S. Bank and U.S. Bancorp Investments is committed to protecting your privacy and security. Learn more by visiting U.S. Bank Consumer Privacy Pledge, the U.S. Bancorp Investments Privacy Pledge, and the Online Privacy and Security Policy. The Digital Security Guarantee

Best Online Banks Of December 2021

Along with paying 0.20% APY on balances of $100 and over, Bank5 Connect’s checking product offers My Rewards. This no-cost program lets you earn cash back when you use your Bank5 Connect debit card at participating retailers. It’s relatively rare to find a checking account that offers both interest and cash back.

Generally, Bank5 Connect offers a winning combination of attractive rates and low minimum deposit requirements across its products. It requires only $10 to open a savings or checking account and a relatively easy-to-meet $500 minimum deposit requirement to open a CD. There are no monthly maintenance fees on any of its accounts.

The bank requires that you maintain a minimum daily balance of $100 to earn interest on savings or checking. But regardless of your balance—whether it’s $1 or $1 million—it insures all of your deposits. On top of the usual $250,000 of FDIC insurance, it offers coverage through the Massachusetts Depositors Insurance Fund (DIF), and there are no limits, in the event of a bank failure. Coverage is automatic and free and there are no residency requirements.

Customers of the bank get access to thousands of surcharge-free ATMs through the SUM Network. Plus, Bank5 Connect never charges for using an out-of-network ATM. It even reimburses up to $15 per statement cycle for ATM surcharges from other banks.

Read our full Bank5 Connect review.

Details

Bank5 Connect offers a checking account, savings account and CDs with terms from six months to 36 months. The mobile app gets 5 stars out of 5 on the App Store (notably, it only has 38 total ratings) and 4.2 out of 5 stars on Google Play (194 ratings). Residents of Massachusetts and Rhode Island are not eligible to open an account at Bank5 Connect, but they are eligible to open an eAccess Checking account, eAccess Savings account and CDs—which all have the same minimum requirements—with BankFive, the community bank based in Massachusetts. Rates at BankFive may be higher or lower than rates at Bank5 Connect, depending on the product you choose.

With the My Rewards program, the more you use your debit card, the more offers you are likely to receive—offers are matched to your spending habits. Cash-back offers are available for limited time frames and you must activate them within the app before using your connected card to redeem the offer. You’re enrolled in the program automatically when you open a checking account.

Pros & Cons

  • Low minimum deposit requirements across products
  • Competitive rates
  • Highly rated mobile app
  • Very few fees
  • Additional insurance on top of FDIC coverage through DIF
  • Must maintain $100 minimum balance to earn APY for checking or savings
  • Doesn’t offer a money market account
  • Doesn’t offer 24/7 customer service
Источник: https://www.forbes.com/advisor/banking/best-online-banks/

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Источник: https://www.statista.com/statistics/1171331/china-leading-mobile-banking-apps-based-on-average-daily-users/

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