Top 10 Mobile Banking Apps in India - 2024

In the last few decades, we have seen massive progress in technology. The digital era is all around - from desktops to laptops and iPads, software to applications, and mobile phones to Android gadgets. The use of a mobile banking app is common these days. A mobile banking app offers speed, flexibility, and ease while doing online transactions.

Now, many people in India are not comfortable with traditional banking anymore. Hence, they have adopted mobile banking. As a result, almost every PSU bank and private sector bank is providing mobile banking apps for online transactions. This reduces the requirement for a laptop or desktop and above all, you don’t need to visit the bank physically for performing any banking task.

top mobile banking apps india

After downloading and installing a mobile banking app on your mobile device, you can perform all banking tasks according to your feasibility. Here, we have compiled the top 10 mobile banking apps in India along with the crucial features a mobile banking app should have.

List of Top 10 Mobile Banking Applications in India on 2024

1. Kotak-811 & Mobile Banking

In our list of top 10 mobile banking apps in India, Kotak-811 is number one. The prime reason behind this is you can open a zero-balance savings account with Kotak-811 with an internationally enabled virtual debit card. The app has an attractive UI with many in-app features. Recently, Kotak Mahindra Bank has launched the first WhatsApp banking in India as well.

2. HDFC Bank Mobile Banking

3. YONO Lite SBI

Previously known as SBI Anywhere Personal, YONO Lite SBI is the mobile app for the State Bank of India account holders. This application supports Punjabi, Gujarati, Tamil, Hindi, and English languages. Having lots of features, this mobile banking app is easy to use and secure. Alongside click-based transactions, you can utilize voice-assisted transactions also in this application.

4. Axis Mobile

5. IDBI Bank GO Mobile+

Mobile Banking Apps Benefits

6. Baroda M-Connect Plus

7. iMobile Pay by ICICI Bank

8. CANDI – Mobile Banking App!

CANDI – Mobile Banking App of Canara Bank is introduced by the bank with a big goal of executing ‘One Bank, One App’. This multi-channel app supports many banking services incorporating opening an FD or RD, money transfer, loan payments, EMI payments, and more.

9. BOI Mobile


PNB ONE is the official initiative of Punjab National Bank. It integrates several banking procedures being served through one platform. This mobile banking app allows you to check account statements, transfer money, handle credit and debit cards, invest in term deposits, and several other amazing services just a click away.

Quintessential Features of a Mobile Banking App

Which One is the Best Mobile Banking App in India?

All the aforesaid apps meet the needs of a perfect banking app. We have only compiled the list of the top 10 mobile banking apps in India. Aside from these apps, many other banking platforms are also there to meet your requirements. So, consider all the parameters while choosing the best mobile banking app in India and download it on your iOS or Android mobile device.

Mobile banking FAQs

Mobile banking app is an application provided by the bank to allow its customers to operate and manage their bank accounts and conduct banking transactions or activities. This app must be installed on their mobile devices, such as a smartphone or a tablet, to be accessed.

Net banking can be conducted on any of the following devices: A computer, laptop, smartphone, or tablet. All you need is a user ID and password to log in to Net banking and manage your activities. 

Mobile banking, on the other hand, can be accessed only on a smart mobile device such as a smartphone or tablet. It has to be installed on the device before the customer can do mobile banking activities.

Mobile banking apps offer the following benefits

  • They are convenient and allow consumers to conduct a range of financial activities anytime.
  • The apps are accessible 24/7, unlike banks, making it easier for customers to avail their services.
  • These apps also provide a detailed financial history of every transaction offering clarity on the finances
  • Through mobile banking apps, banks are providing several solutions that can be accessed with a tap of a button.

ICICI was the first bank in India to provide mobile banking to its customers.

Mobile Banking apps face the following challenges in India:

  • The lack of customer awareness
  • Issues in security and privacy
  • Risk of virus or malware attack

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