India’s Top 7 Best Mobile Banking Apps

There is no denying that in 2021, almost everyone prefers online banking and mobile payment methods instead of cash. Mobile banking in India begun in 2002 and it has only been advanced as well as improved over the years.

A few years ago to make a transaction or payments, you had to do it via an SMS whereas today you don’t need to face any of that hassle. Today, all the transactions are made using the computer, or a smartphone with a few clicks.

From quick cash transfer across the world to keeping a track of all your transactions, all of it can be done through your mobile. Just a few taps and you are done! Isn’t that amazing?

This ease of online mobile payment came through with the development of numerous banking apps. Mobile banking applications disguised as the savior and began as an offshoot of internet banking for the convenience of customers.

By the end of 2017, every bank in India had its own banking app that facilitated online transactions and made online banking a little easier than usual. All you have to do to perform online transactions and use these banking apps is by downloading them on your smartphone.

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Register yourself for online banking and you are ready to go. There are many things one must consider while choosing the perfect banking application.

Some of these features are listed below:

  • Security: make sure the banking app is safe and reliable.
  • Ease of use: the mobile app must be user-friendly and have a simple interface.
  • Supporting a wide range of payment options.
  • Traditional banking facilities.
  • Alert system.
  • Tracking your finances.
  • Biller registration.

Considering the above-listed features in mind, here are 7 best mobile banking apps in India you must try at least once:


1) ICICI Bank iMobile:

ICICI Bank iMobile is considered to be one of the best mobile banking apps in India. The app offers more than 200 banking and informational services.

The app has a 2-factor authentication feature along with easy navigation and advanced tax payment features. You can also manage credit cards and loans with ICICI Bank iMobile.

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With iMobile banking app, you can pay your bills, make transactions using diverse payment methods or sources, make a bill payment, and manage your investment or insurance with ease.

You can now invest, buy life insurance, using the ICICI bank mobile application. Unlock more than 250 features of banking, shopping, travel, and offers. Book hotel, train, bus & flight ticket. Pay Electricity, Gas, DTH, FASTag, LPG, internet, and others.

  • Finger Print Unlock
  • Scan to pay
  • Recharge
By: ICICI Bank Ltd.
Ratings: 4.3
License: Free

Download ICICI Bank iMobile App for Android & iOS

Top Mobile Banking Apps in India

2) YONO Lite SBI:

YONO Lite SBI is also one of the best mobile banking apps in India and I have personally used this app. The YONO Lite SBI is user-friendly, easy to navigate, and a great banking app for all SBI account holders.

The app supports a wide range of languages, click-based transactions, and also allows you to make voice-based transactions easily. The app allows you to transfer money using diverse payment methods and sources.

You can also have easy access to the mini statement of your bank account, make bill payments, and even schedule transactions facility. It also has a smartwatch banking facility.

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If you want a one-stop solution to all your banking problems then YONO Lite SBI is the banking app you must go for. Download and use the app on iOS & Android mobile phones & tablets.

State Bank of India of YONO mobile app supports more than 10 different Indian regional languages like Telugu, Malayalam, Kannada, Punjabi, etc.

  • Voice Assist
  • Wearable – Support
  • mPassbook
  • Safe & secure login
  • Multi-language
By: State Bank of India
Ratings: 4.4
License: Free

Download SBI Bank iMobile App for iPhone & Android Phone

Mobile Banking Apps in India

3) HDFC Bank Mobile Application:

HDFC bank is one of the largest & top mobile banking apps in India and has a widely used mobile banking app. The HDFC bank mobile application will make it easier to transfer funds, make credit card payments, and be up-to-date with your bank account with just a few taps.

The app is highly rated on Google Playstore and has more than a million active users. Moreover, you can customize the menu option for your convenience and is a perfect yet reliable banking app you must go for.

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User-friendly interface, face ID, fingerprints, and pin access. Download transaction details, schedule bill payments, view reward points. HDFC bank mobile app comes with personal virtual assistant EVA you can chat with EVA and ask any bank-related questions.

  • Clean interface
  • Secure login
  • Simple dashboard
  • Money transfer at your fingertips
  • All your card in one place
  • Bill pay & recharge
By: HDFC Bank Ltd.
License: Free

Download HDFC Bank iMobile App for Android & iOS

best net banking app in india

4) Axis Bank Mobile Application:

The Axis Bank Mobile Application is the mobile banking of another largest bank across India, Axis Bank. The banking app has more than 5 million downloads and has a pretty high rating on Google Playstore.

From transferring funds to scheduling your credit card payments at your convenience, Axis bank does it all. The app also allows you to block and replace cards, temporarily deactivate debit cards, and also set limits on your debit card purchases.

With Axis mobile banking application you can easily download your account statement, buy insurance, avail balance on EMI and pay back at your convenience. Moreover, the banking app also comes with a reliable customer support service.

  • UPI
  • Account summary
  • Ac statements
  • Bill payments
  • Additional security features
  • 250+ banking services
  • Get up to 15% cashback on 20+ brands
By: Axis Bank Ltd.
License: Free

Download Axis Bank Mobile App for Android & iPhone Device

india mobile banking

5) Bank of Baroda M-Connect Plus:

The M-Connect Plus of the Bank of Baroda is a feature-rich banking application that is also different than several other banking apps. The M-connect plus is worth a try!

It supports a wide range of applications, allows easy fund transfer, bill payments, recharge facilities, ATM locator, and fixed deposit features to name a few. Manage your debit card with your mobile application.

Also Check: 5 Best Apps to Track Your Money

Why use multiple apps, when you have the convenience of UPI in the Bank of Baroda M-Connect Plus app. You can enjoy a plethora cheque related services and use UPI and shop without cash.

  • Quick view balance
  • Fingerprint login
  • Bill pay & recharge
  • Scan QR to pay
  • Cash on mobile
By: Bank of Baroda
Ratings: 4.3
License: Free

Download Bank of Baroda Mobile App for Android & iPhone

India's Top Mobile Banking App

6) Kotak- 811 & Mobile Banking App:

Download Kotak Mahindra 811 mobile banking for Android & iOS devices and open your savings account within minutes. Pay all your bills in one place such as electricity, credit card, landline phone, water bill, DTH, postpaid, insurance, and mutual funds.

Transfer money through IMPS, NEFT, or RTGS with a single tap. Enjoy exclusive deals with Kotak’s in-app mall. Quick money transfer through UPI payments. Just like HDFC Eva Kotak Mahindra has a Keya chatbot or virtual personal assistant you can chat with.

The world of banking at your fingertips. Book flight tickets, hotel stays, shop, and much more. Stay connected always – recharge your mobile, on the go. Transfer money easily anytime, anywhere.

  • Easy UPI interface
  • Quick transfer
  • Keya virtual assistance
  • Pay bills and recharge
  • Get zero balance account

By: Kotak Mahindra Bank Ltd.
Ratings: 4.3
License: Free

Download Kotak Mobile Banking App for Smartphone

Bank Mobile App

7) U-Mobile – Union Bank of Inda:

Union Bank of India also commonly known as UBI provides secure and safe means of banking from anywhere. Send money quickly without registering the beneficiary. Pay utility bills from the comfort of your home.

Also Check: 6 Top-Rated Mobile Banking Apps in America

Users can request a checkbook, stop cheques, debit card blocking, and much more. You can also check the main balance, get a mini-statement, send money through NEFT & IMPS, and more.

UBI mobile apps come with expense manager features to track your daily and monthly expenses or transactions. Just download the app on your iPhone or Android mobile phone and explore all the features.

  • Quick transfers
  • Fingerprint
  • BHIM UPI payments
  • Scan QR
  • Tap n Pay
  • Expense Manager
By: Union Bank of India
Ratings: 3.8
License: Free

Download UBI Mobile App for Android & iPhone

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