Best Banking Apps to Consider in 2025

If you were born around the 2000s, chances are that you too must have had to at some point in time, wait in long lines to get stuff done at the bank. But, luckily today we have very little of that to deal with. You see, with the rise of the best banking apps, online banking has become way easier than before. So, to understand them deeply, we’ve compiled a list of the best online banking apps in the market. Let’s get started with the top banking apps in the market!

1. Discover Mobile

First, on our list of the best banking apps is Discover Mobile; an app that’s sure to impress you with its user-friendly interface and a wide set of management tools. All the way from monitoring your accounts to credit cards to redeeming and managing your loans, this app helps you with all. Also, this banking app boasts minimal interest rates and fees.

Pros:

• Low interest rates and fees.
• Easy-to-use interface.
• Credit score monitoring and rewards management.

Cons:

• Limited customisation options.
• No support for cash deposits.

2. Chase Mobile

Now, we’ve got Chase Mobile; one of the best banking apps that is designed to empower you with insights and control over your finances using its different tools. Be it tracking credit scores through the “Credit Journey” feature, overseeing credit card rewards, or managing investments, this banking app is ready to undertake any task for you.

Pros:

• Advanced insights and budgeting tools.
• Bank accounts, credit cards, loans, and investments management.
• Reliable and secure.

Cons:

• Occasionally cluttered with promotional content.
• Low saving rates.

3. Citi Mobile

Thirdly, Citi Bank needs no introduction, and its app, being among the best banking apps asserts that further. The app is a craftsmanship of simplicity all the while featuring advanced security features. Features like biometric authentication, advanced security alerts, and quick access to summaries without you even having to log in. Even though there are some bugs, they are ignorable.

Pros:

• Biometric authentication.
• Manage multiple Citi accounts.
• Access to savings goals and credit monitoring tools.

Cons:

• Biometric authentication reliability.
• Low savings rates.

4. Ally: Banking and Investing

Next up, we have an app that excels in a host of saving tools and a fee-free experience. So, with the best banking apps like these, you can benefit from features like automated savings through round-up transactions, customisable saving buckets, and fancy investment management options. And their customer satisfaction rate is pretty good given their 24/7 customer support.

Pros:

• No fees and competitive interest rates.
• Advanced savings tools and investment management features.
• Integration with Zelle for easy money transfers.

Cons:

• Limited support for certain account types in the mobile app.
• No option for cash deposits.

5. Bank Of America Mobile Banking

The fifth among the best banking apps is the offspring of one of the most successful banks in the world. This app offers a balance between traditional banking services and novel features like a virtual assistant named Erica. Additionally, this banking app gives you insights into your student's essential spending habits, credit score monitoring, and integration with Zelle for quick money transfers. 

Pros:

• In-app virtual assistant (Erica) and spending tracking tools.
• Integration with Zelle for fast money transfers.
• Access to credit score monitoring and financial insights.

Cons:

• Account fees and limited availability of 24/7 customer service.
• Savings rates may not be as competitive as online banks.

6. Wells Fargo Mobile

Along the lines of the best banking apps, we have a banking app that tackles features like mobile check deposits, bill payments, and predictive banking insights using its Control Tower. You can manage your accounts, cards, and online access from a single platform, it cannot get any cooler! Besides these, this app also offers comprehensive account management tools.

Pros:

• Predictive banking insights.
• Easy management of accounts and cards.
• Mobile check deposits and bill payments.

Cons: 

• Lower interest rates on savings.
• Some features may require a learning curve.

7. Capital One Mobile

Moving on to next on our list of the best banking apps, Capital One Mobile. This app has been designed for your ease of use by being embedded with features like credit monitoring and quick lock/unlock capabilities. Also, this banking app gives you insights into your spending habits and enables you to manage your account using its virtual assistant, Eno. Even though they lack investment support, this app is popular among those who prefer a good design.

Pros:

• Intuitive interface and credit monitoring tools.
• Virtual assistant (Eno).
• Mobile check deposits and bill payments.

Cons:

• Limited investment account support.
• Low saving rates.

8. USAA Mobile

Number eight on our list of the best banking apps is specially made for members of the military and their families, offering them a range of services tailored to their needs only. This banking app gives you safe access to banking, insurance, and investment accounts. Apart from these, they also boast check deposits, bill payments, and exceptional customer service.

Pros:

• Tailored services for military members and families.
• Access to banking, insurance, and investment accounts.
• User-friendly interface and 24/7 customer support.

Cons:

• Limited accessibility to non-military members.
• Some features may require USAA membership.

9. PNC Mobile Banking

Second last on our list is the PNC Mobile Banking app which comes with features like account management, mobile check deposits, and bill payments. Also, it shares valuable insights into your spending habits and uses budgeting tools to help you manage your finances effectively. This app is also known for its reliability and user-friendly interface; a trusted app for your student loan transactions.

Pros:

• Comprehensive financial management tools.
• Integration with digital wallets and mobile payment.
• Credit score monitoring and account alerts.

Cons:

• Some fees may apply to certain account types.
• Savings rates may vary.

10. HSBC Mobile Banking

Lastly among the best banking apps, the banking app that plays with global banking services with a huge emphasis on your account’s security and your convenience. The features include transferring money internationally, accessing personalised financial insights and managing accounts. With features like Touch ID and Face ID, HSBC Mobile Banking is easily one of the most comprehensive apps on the list.

Pros:

• International money transfer capabilities.
• Touch ID and Face ID.
• Account management tools.

Cons:

• Limited availability of certain banking features based on location.
• Some users may encounter language barriers in customer support.

Now, that we’ve come to an end, we’d say that the choice of ‘The Best Mobile Banking App’ depends on solely on your preferences and aspirations. We’d advise you to judge them not based on how popular, how comprehensive, or even how good-looking they are but rather judge them based on their relevance to you. With that in mind, we’d also suggest that you be wary of any online frauds that might seep into your finances. And to safeguard yourself from such frauds we’d recommend you read our blog on Money Transfer Scams. All the best for your financial aspirations!