Best mobile banking apps

If you need to download another app, it had better be a good one. Luckily, most mobile banking apps are free to download and use, but a few among the thousands stand out for their extra features and customer experience. Compare the best mobile banking apps for the top innovations in online and mobile banking.

11 best mobile banking apps

Here are the best mobile banking apps with an average app rating of at least 4 stars and additional mobile banking features beyond typical account management.

Mobile bank app	App Store rating	Google Play rating	Standout features	Learn more
Alliant Mobile Banking	★★★★★ 4.7/5	★★★★★ 4.5/5	Balance preview to view account balances before logging in Mobile check deposit Sync with budget software	Go to site
Cash App	★★★★★ 4.8/5	★★★★★ 4.6/5	Instant peer-to-peer transfers Cash App Card with discounts File federal and state taxes Early paycheck arrival Invest in Bitcoin and manage investments Savings goals	Go to site
Chase Mobile App	★★★★★ 4.8/5	★★★★★ 4.4/5	Mobile check deposit Zelle transfers Chase Credit Journey Budget and savings tools Manage investments with J.P. Morgan Wealth Plan Track rewards and deals ATM and branch locator Schedule meetings with advisors and banks In-app chat support	Go to site
Chime – Mobile Banking	★★★★★ 4.8/5	★★★★★ 4.7/5	Apply for My Pay paycheck advances Apply for Credit Builder card Overdraft services Peer-to-peer transfers Early direct deposit Mobile check deposit	Go to site
Current: The Future of Banking	★★★★★ 4.8/5	★★★★★ 4.6/5	Early paycheck arrival Mobile check deposit Apply for cash advances Build credit with Current Build Card In-app chat support	Go to site
Discover® Mobilemore info button	★★★★★ 4.9/5	★★★★★ 4.5/5	Multiple login options Quick View to view account information without logging in In-app chat support Manage rewards View FICO credit score Travel Notification to help ensure uninterrupted use of card while traveling Mobile check deposit Zelle transfers	Go to site
SoFi® – Banking & Investing	★★★★★ 4.8/5	★★★★★ 3.9/5	Mobile check deposit SoFi Invest® Budget tools Apply for loans and credit Peer-to-peer transfers 1-on-1 sessions with financial planners	Go to site
Varo Bank: Mobile Banking	★★★★★ 4.9/5	★★★★★ 4.7/5	Early paycheck arrival Apply for a Credit Builder card Apply for cash advances Peer-to-peer transfers	Go to site
Bank of America Mobile Banking	★★★★★ 4.8/5	★★★★★ 4.6/5	Mobile check deposit Erica, Virtual Financial Assistant Manage investments, trade stocks, exchange-traded funds (ETFs) and mutual funds with Merrill Zelle transfers	Read Review
Capital One Mobile	★★★★★ 4.8/5	★★★★★ 4.5/5	Mobile check deposit Check credit score with CreditWise Eno, Capital One assistant Zelle transfers	Read Review
Wells Fargo Mobile	★★★★★ 4.9/5	★★★★★ 4.8/5	Mobile check deposit Zelle transfers Track investments View FICO credit score Manage rewards	Read Review

Methodology: How we chose the best banking apps

Finder’s experts looked at hundreds of popular banking apps. We only considered apps with:

• at least 100,000 total customer ratings
• an overall average rating of over 4 stars on the Apple App Store and Google Play
• features beyond typical account management

We also required the bank, credit union or fintech to have at least one account with no monthly fees.

Which banking app is the best?

In terms of customer app store ratings, Wells Fargo has the best mobile app, boasting an impressive 4.9 stars on the Apple App Store out of over 9.1 million ratings and 4.8 stars on Google Play out of over 2.47 million ratings.

Wells Fargo also offers tons of deposit account options, wealth management services and lending options. However, it doesn’t have the best reputation with regulators, having paid millions of dollars in fines for shady practices and consumer protection violations in the last few years.

If you’re looking for the most features and a highly rated mobile app, Chase, Discover and SoFi are the top options, offering far more mobile features than the competition.

• Chase’s app is packed with perks, such as FICO credit score viewing, reward management, in-app credit applications, investment management tools and the ability to schedule meetings with bankers and advisors. Chase also has the most physical branch locations in the US, and you can locate ATMs and branches in the app.
• Discover is a top pick for travelers, thanks to its lack of foreign transaction fees, traveling alert feature to avoid travel interruptions, credit score tracker, multiple login options and much more.
• SoFi’s mobile app has tons of management tools because it doesn’t have any physical branches. The SoFi account is a hybrid checking and savings account. You can invest, apply for credit and perform peer-to-peer transfers. However, it’s worth noting that SoFi has significantly higher customer satisfaction among Apple device users based on app store reviews.

Best mobile banking app features to look for

Most bank apps allow you to move funds between your accounts, turn cards on and off, order replacement cards and view bank statements. Even mobile check deposit is now considered a staple app feature.

Here are what we’d consider top-of-the-line mobile banking features:

• AI assistants
• Budgeting tools or the ability to sync with popular budget apps
• Cashback reward management
• Credit applications, such as personal loans and credit cards
• Credit score or report viewing
• In-app customer support
• Instant mobile check deposit fund availability
• Investment options
• Peer-to-peer transfer services
• Tax filing
• Virtual card creation

Bottom line

Most mobile banking apps allow you to view transactions, manage accounts, make mobile check deposits and transfer money. You’re more likely to find the best mobile banking apps with the largest banks, as they’ll have more resources to create top-ranking apps with great functionality.

An alternative to choosing a big bank is opting for a fintech or online bank, such as Chime or SoFi. These online-only banking options typically offer a wide range of mobile banking features since they don’t have to maintain branches and mobile banking is their customers’ primary form of account management.

Compare the best online banks here, or for more specific options, check out the overall best checking accounts.

Frequently asked questions

Are mobile banking apps free?

Nearly all mobile banking apps are free to download and use, typically offered as a complimentary service and companion app for your bank account. In some cases, you can download a mobile banking app before opening an account and apply for one through the app.

Is it better to use a bank app or website?

Both banking portals and mobile apps usually have security measures to keep your information safe, but mobile banking apps often offer an extra layer of security if you enable it. For example, you can set your bank app login to use Apple’s Face ID or a fingerprint scan, so you’re not always using your username and password, making it harder for someone to access your account if they get a hold of your phone.

What is the difference between a banking app and mobile banking?

The terms “mobile banking” and “banking app” can be used interchangeably when referring to a bank’s mobile app for managing accounts. Learn more about online and digital banking.