Top 10 Mobile Banking Apps of 2025 You Can’t Afford to Miss!

In today’s fast-paced world, mobile apps have become a staple for virtually every business—and banks are right there on the front lines, too!

With mobile banking apps, you can effortlessly manage your finances from the comfort of your couch or while enjoying a coffee at your favorite café (as long as Wi-Fi is in reach, of course!). But let’s not kid ourselves—every app is not created equal when it comes to features, security, and user-friendliness.

Curious about which banks have nailed the mobile app game? Look no further! Our dedicated team has meticulously analyzed 25 major banking apps, diving into essential metrics like app availability, security measures, and user ratings to unveil the top 10 contenders for your mobile banking needs. (Check out our full methodology here).

Taking the crown for best mobile app is none other than Capital One, which scored impressively across all evaluated categories. You can snag their app on both the App Store and Google Play, where it boasts ratings of 4.9 and 4.5 stars, respectively!

What makes Capital One’s app a standout? Users can deposit checks, pay bills, and send or receive money via Zelle—all with a few taps. Plus, access to CreditWise gives you insights into your credit health, including alerts for significant changes to your score!

Discover our full review of Capital One

Chase Bank follows closely behind, featuring a mobile app rated at 4.8 stars in the App Store and 4.4 stars in Google Play. With this app, users can monitor transactions, set up fraud alerts, and enjoy Zelle transfers. Not to mention, the Chase Pay Over Time feature offers the flexibility to break down eligible credit card purchases into manageable monthly payments!

For those looking to budget effectively, Chase steps in with handy in-app tools to help you track spending and set savings goals. Oh, and did we mention the complimentary credit score tool? Staying financially savvy has never been easier!

Quontic Bank also shines with its app, rated 4.8 and 4.7 stars on the App Store and Google Play, respectively. Users can manage account balances, deposit checks, pay bills, and even keep an eye on their credit score—all while enjoying the peace of mind that comes with biometric authentication for a secure login experience.

Explore our full review of Quontic Bank

With Varo Bank, you can check balances, send peer payments, and even reach customer support through live chat. Plus, real-time transaction alerts keep you in control of your finances at all times. Varo’s app comes highly rated too, with impressive scores of 4.9 and 4.7 stars on the Apple and Google app stores!

Read our full review of Varo Bank

Wells Fargo also packs a punch with its mobile app, holding a stellar rating of 4.9 and 4.8 stars on the Apple Store and Google Play. Users can monitor account balances, conduct transactions, and even chat with a virtual assistant for quick help! Plus, access your FICO score right from the app!

For those needing a comprehensive tool, Discover Bank’s app offers robust features like mobile check deposits and account alerts. Not to mention, its in-app card locking feature ensures that your finances are always safe and sound!

Check out our full review of Discover Bank

Although Ally Bank’s mobile app scored lower due to mixed reviews, it still offers essential features like checking balances, transferring funds, and monitoring your credit score right from your device!

Discover our full review of Ally Bank

First Foundation Bank’s app aggregates all your accounts into one easy-to-manage space. With its FinSights tool, users gain personalized insights into their spending patterns, making financial management a breeze!

Lastly, LendingClub rounds out our top 10 with an app that allows users to handle payments, lock their debit card, and receive alerts for any changes to their credit score—keeping your financial life at your fingertips!

Check out our full review of LendingClub

SoFi’s app rounds up our top 10, featuring tools to track balances, set savings goals, and organize funds into separate savings vaults—all while ensuring your account remains secure with robust security features!

Discover our full review of SoFi

Embracing mobile banking means convenience and efficiency at your fingertips, but whether it aligns with your banking habits depends on your comfort level with technology. Let’s dig deeper into whether mobile banking is the right choice for you!

If you’re new to mobile banking, you might be wondering why you should choose it over traditional in-person banking. You may even question its safety or effectiveness.

Sure, there are moments when a face-to-face interaction is necessary. But mobile banking empowers you to manage your finances anytime, anywhere—eliminating the need to make that dreaded trip to the bank for basic tasks like checking balances, transferring money, or depositing checks. And let’s not forget, these apps come equipped with top-notch security features like two-factor authentication and biometric logins to keep your sensitive information locked down! Learn more about the benefits of mobile banking.

Mobile banking apps are just as secure as online banking platforms. Many institutions employ the same security measures across both platforms, so you can rest easy. Plus, there are strategies you can adopt to fortify your account’s security, such as changing your password regularly, enabling two-factor authentication, and logging out after each session. Learn more about mobile banking safety.

One standout feature is mobile check deposit, which lets you deposit checks via your bank’s app without stepping foot inside a branch or ATM. The app walks you through the process to ensure clarity and completion of the check images, making banking smoother than ever! Learn more about mobile check deposit.

Thanks to Zelle, sending and receiving money has never been easier. This digital payment service enables instant money transfers between bank accounts—usually completed within minutes! Just remember, these transactions are typically irreversible, so double-check the recipient’s details before hitting send. Learn more about Zelle.

Many financial apps allow you to connect various accounts to effortlessly track your financial activity and progress toward goals. To ensure these connections are secure, many apps utilize Plaid—a financial technology tool that provides encrypted, permission-based access to your financial data. Learn more about Plaid.

Did you know that a recent report revealed that 60% of millennials, 57% of Gen Z, and 52% of Gen X primarily rely on mobile banking apps? Furthermore, a staggering 97% of users rated their digital banking experiences positively! Now that’s a trend worth paying attention to!

Best of all, banks usually don’t charge for access to their mobile apps. Once you open your account, just ask a representative how to download the app, or you can easily find it in your app store!

Many banks even allow you to open new accounts directly through their apps, although this feature can vary based on your bank’s policies. To learn more about what each app offers, give your bank a call or check out their website!

Our rigorous grading system, crafted by finance experts, examined nearly 250 data points across 25 mobile banking applications to curate our top 10 list.

Here’s how we evaluated these apps:

• Availability: Apps that were downloadable on both the Apple App Store and Google Play earned maximum points; those restricted to one platform faced penalties.

• User Ratings: Apps with higher average ratings from users scored better than those with lower ratings on the app stores.

• Remote Check Deposit: Apps that enable users to snap photos of checks for deposit earned bonus points.

• Credit Score Tools: Apps offering in-app credit scoring and monitoring received favorable scores.

• Zelle Capabilities: Banks integrating Zelle earned extra points for peer-to-peer payments through their apps.

• In-App Customer Support: Apps providing support via chat or virtual assistants ranked higher.

• In-App Transfers: Apps facilitating fund transfers between accounts earned extra points.

• Two-Factor Authentication: Apps with facial recognition, security codes, or other two-factor measures scored better.

• Card Locking Features: Apps allowing users to freeze their debit or credit cards for enhanced control earned higher scores.

• Bill Pay Services: Many banks include bill payment features in their apps, which earned extra points.