The 10 Best Mobile Banking Apps of 2025

Mobile banking apps have come a long way. Once upon a time, features like mobile check deposit were considered cutting edge. Now, consumers have come to expect that kind of functionality, along with seamless money transfers, bill pay, ATM locators and more. Today, some apps will even let you track accounts from different financial institutions. Others offer built-in financial wellness and budgeting platforms, or even turn your mobile device into a digital wallet. If mobile offerings are a deciding factor for you in choosing a bank, we’ve assembled this list of the 10 best banking apps in 2025.

Your banking account is just one component of your overall financial plan. Working with a financial advisor can help you reach other financial goals. 

Data & Methodology

We identified the apps below through exhaustive research and analysis of the of the mobile banking market. They are listed in an order that’s in direct correlation with their individual composite score based on our methodology, which includes consumer ratings from multiple popular online app stores as well as the bank’s annual percentage yield offering, considered at the time of our last publish date.

1. Varo

Apple¹ App Store Rating: 4.9
Google Play² Store Rating: 4.7

Varo Bank fits well in this list, as the bank’s services are entirely mobile. While you can access your account through Varo’s website, the majority of its offerings are built to work best on your smartphone. Customers are apparently quite happy with Varo’s mobile app, as Apple users rate it at 4.9 stars out of 5, while Android users rate it at 4.7 stars out of 5.

Varo took the money management category because of its simple interface and extensive account tools. For example, users can set the app to send notifications when there’s activity with their account or debit card. This will allow you to keep detailed records of your spending so you don’t run into financial issues.

In addition, Varo allows its customers to connect outside accounts to the app, making it easier to view your finances in a more holistic manner. This also makes transferring money between your accounts much more seamless.

Varo boasts two automatic savings features: Save Your Pay and Save Your Change. The former lets you set up a transfer of a predetermined percentage of every direct deposit to your savings account. The latter rounds up every transaction you make with your account and then sends that change to your savings account.

2. PNC Bank

Apple App Store Rating: 4.9
Google Play Store Rating: 4.5

If you don’t like to carry your card around or often forget to bring it with you, the PNC mobile banking app may be right for you. While some banking apps let you use your phone as your debit card, PNC Bank extends that access to your credit and SmartAccess prepaid cards. With this app, you’ll never have to worry about not being able to make a purchase because you misplaced or lost your card.

In 2025, J.D. Power ranked PNC fourth³ for banking satisfaction among national banks. Apple customers give the PNC mobile banking app a near-perfect score of 4.9 stars out of 5 on the Apple app store. Android users also favor the app, as PNC’s Google Play Store rating is an only slightly lower 4.5 stars out of 5.

3. Synchrony Bank

Apple App Store Rating: 4.8
Google Play Store Rating: 4.6

The Synchrony Bank mobile banking app earns high ratings from both iOS and Android customers, perhaps because it isn’t just for paying bills, depositing checks and initiating transfers. It also lets you track the usage and balances of your credit cards. 

As for Synchrony’s banking lineup, it offers competitive rates on CDs as well as its high-yield savings accounts and money market accounts, both of which include optional ATM cards. The bank doesn’t have a minimum balance requirement for its savings accounts or its money market accounts. Synchrony doesn’t charge any fees of its own for ATM use.

Synchrony also has robust security protocols: It offers high-encryption browsers, multi-factor authentication to verify customer identity, 24/7 security monitoring and free identity theft resolution through Sontiq, a TransUnion company.

The bank doesn’t offer checking accounts or a credit card, though, and there are no physical locations.

4. Discover

Apple App Store Rating: 4.9
Google Play Store Rating: 4.3

Discover Bank offers all of the mobile banking app bells and whistles you’d expect from a huge financial institution. However, it goes even a step further by providing its clients with Discover Deals. This in-app marketplace offers deals on the latest brands, which may make it appealing for shoppers and bargain hunters.

In addition, you can redeem your credit card rewards through the app. You’ll also be able to check your FICO credit score, and iPhone users can add their Discover cards to their Apple Pay Wallet right from the app.

5. Capital One

Apple App Store Rating: 4.9
Google Play Store Rating: 4.5

J.D. Power has consistently rated Capital One’s mobile banking app very high in its annual “U.S. Banking Mobile App Satisfaction Study.” Users tend to agree, with Apple and Android users giving the app fantastic 4.9- and 4.5-star ratings out of five, respectively.

And with its load of functionalities, it’s no surprise. The Capital One app lets you view all of your accounts, including home and auto loans, in one place. You can also track your credit score and redeem credit card rewards.

To keep tabs on your purchase and credit history, you can set up instant push notifications. And if you lose or misplace your Capital One card, you can easily lock it with a few taps on your phone. This ensures nobody has access to your money until you turn the card back on. In case you can’t find it, you can report fraud directly from the app.

6. SoFi

Apple App Store Rating: 4.8
Google Play Store Rating: 4.5

The SoFi Mobile Banking App has quickly gained attention for its user-friendly design and robust suite of financial tools. Unlike many traditional banking apps, SoFi’s platform integrates checking, savings, investing and loan management all in one place, making it easier for users to oversee their entire financial picture. The app’s intuitive interface allows customers to track spending, set savings goals and access educational resources, all from their smartphones.

This all-in-one approach means users can manage multiple aspects of their financial lives without switching between different apps or platforms. For those seeking a modern, comprehensive solution to everyday banking and financial management, this app offered by SoFi stands out as a top contender.

7. Quontic 

Apple App Store Rating: 4.8
Google Play Store Rating: 4.6

The Quontic Mobile Banking App stands out in a crowded field by offering a user-friendly experience tailored to the needs of today’s digital-savvy consumers. Designed with simplicity and efficiency in mind, the app allows users to manage their accounts, transfer funds and deposit checks remotely, all from the convenience of their smartphones. Its intuitive interface ensures that even those new to mobile banking can navigate features with ease, making everyday financial tasks straightforward and stress-free.

The app supports advanced security measures—including biometric login options like fingerprint and facial recognition—ensuring that users’ financial information remains protected. Additionally, Quontic’s app integrates seamlessly with digital wallets and offers real-time transaction alerts, empowering users to stay on top of their finances wherever they are. The bank’s focus on inclusivity is also evident, as the app is designed to be accessible for users with disabilities, reflecting Quontic’s broader mission to serve diverse communities.

8. Ally Bank

Apple App Store Rating: 4.7
Google Play Store Rating: 4.4

Ally Bank stands as one of the leading institutions in the world of online banking. So it’s no surprise that the bank focuses on offering the best mobile banking experience it can.

For starters, the Ally Bank app, along with others on this list, covers all the basics for banking, including mobile check deposit, free money transfers, online bill pay, transaction and balance histories and an ATM locator. It also offers a clean and user-friendly interface. You can store your password and log-in using your fingerprint. Once logged in, you can track all of your accounts directly from your mobile device, letting you keep tabs on everything from your savings account to your certificate of deposit (CD) to your individual retirement account (IRA).

You can even trade stocks and track investment performance via your mobile phone. While you’re at it, the Ally Bank app offers the latest market news to help you make informed investment decisions from the comfort of your living room. And Ally also has you covered with easy access to your statements and tax forms.

In addition, the Ally app gives you free access to Zelle®. Similar to services like Venmo® and PayPal®, this lets you transfer funds to others using just their email address and phone number. So there’s no need to exchange personal account information like bank account and routing numbers to exchange money.

The Ally Bank app also allows you to download a built-in application called Card Controls. This lets you customize your debit card, such as to set spending limits and control notifications.

9. Chime

Apple App Store Rating: 4.8
Google Play Store Rating: 4.7

Chime recently stepped into the banking arena as an online-only entity, and it brought a stellar mobile banking app with it. Truly designed for the digital age, Chime offers one of the best user experiences we’ve seen on a mobile banking app. But it’s more than just a pretty looking app.

In fact, you can substitute it as your debit card to access your funds via over 50,000 fee-free ATMs in the national MoneyPass network. In addition, you can set up daily balance alerts and real-time transaction notifications.

And to really put the icing on the cake, Chime Bank gives you access to your direct deposit up to two days early in certain situations. At the time of this writing, both Apple and Android users gave it high ratings.

10. Alliant

Apple App Store Rating: 4.7
Google Play Store Rating: 4.5

One of the key strengths of the Alliant Mobile Banking App is its suite of innovative features designed to simplify everyday banking. Users can take advantage of mobile check deposit, customizable account alerts and easy access to account statements. The app also supports person-to-person payments and integrates with digital wallets, making it easier than ever to manage money and pay bills without visiting a branch.

Alliant Credit Union has built its mobile app with a strong focus on member feedback and continuous improvement. Regular updates ensure that the app remains responsive to user needs and incorporates the latest technology trends. This member-centric approach has contributed to high satisfaction ratings and a loyal user base, reinforcing Alliant’s reputation as a leader in digital banking solutions.

Bottom Line

The world of mobile banking is an ever-expanding one, and you can bet that consumer demand will drive its future. You can also count on tech-focused banks to invest heavily in improving their products. But with so many options out there, you have to ask yourself what you really want out of a banking app. Do you like access to multiple accounts and being able to turn your phone into a digital wallet? Or do you value security above all? What about the ability  to trade stocks and make other investments through your banking app? Whatever feature you find most appealing, there’s likely an app out there for you.

Tips on Finding the Best Mobile Banking Apps

• If you’re ready to go beyond bank accounts, a financial advisor can help you build a plan to meet other financial goals. Finding a financial advisor doesn’t have to be hard. SmartAsset’s free tool matches you with vetted financial advisors who serve your area, and you can have a free introductory call with your advisor matches to decide which one you feel is right for you. If you’re ready to find an advisor who can help you achieve your financial goals, get started now.
• Some banks offer superior digital and mobile banking offerings compared to others, so shop around and see what works best for you. And of course, apps and websites are just one small piece of the puzzle – you’ll also want to make sure you’re getting a good interest rate. To give you some additional insight, check out SmartAsset’s list of the Best Banks in America.

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