Best banking app in Australia
You can pay bills, transfer funds or find the closest ATM through your mobile banking app. See the bank app ratings here.
Bank mobile app ratings
Note: The ratings below were correct as of June 2023 and may have changed slightly since this time.
| Bank | Google Store review | Apple Store review | |
|---|---|---|---|
 | ★★★★★ 4.1/5 | ★★★★★ 3.4/5 | ING bank accounts |
 | ★★★★★ 3.90/5 | ★★★★★ 2.4/5 | Bendigo bank accounts |
 | ★★★★★ 4.30/5 | ★★★★★ 4.7/5 | ANZ bank accounts |
 | ★★★★★ 3.80/5 | ★★★★★ 4.7/5 | NAB bank accounts |
 | ★★★★★ 3.7/5 | ★★★★★ 4.4/5 | Westpac bank accounts |
 | ★★★★★ 4.4/5 | ★★★★★ 3.5/5 | Bankwest savings accounts |
 | ★★★★★ 3.7/5 | ★★★★★ 3/5 | St.George savings accounts |
 | ★★★★★ 2.1/5 | ★★★★★ 1.8/5 | ME Bank savings accounts |
 | ★★★★★ 1.4/5 | ★★★★★ 1.2/5 | Bank of Queensland savings accounts |
 | ★★★★★ 3.5/5 | ★★★★★ 4.7/5 | Commonwealth Bank savings accounts |
 | ★★★★★ 4.8/5 | ★★★★★ 2.8/5 | BankSa savings accounts |
 | ★★★★★ 3.6/5 | ★★★★★ 2.7/5 | Bank of Melbourne savings accounts |
 | ★★★★★ 3.4/5 | ★★★★★ 4.5/5 | Suncorp savings accounts |
 | ★★★★★ 3/5 | ★★★★★ 4/5 | Macquarie Bank savings accounts |
 | ★★★★★ 4.7/5 | ★★★★★ 4.9/5 | Citibank savings accounts |
What is mobile banking?
It's a mobile application that enables customers of financial institutions to perform a range of banking tasks through their mobile device or smartphone. This is not to be confused with contactless payments, which uses Near Field Communications (NFC) technology. With NFC, you can use your smartphone in place of a debit or credit card to pay for goods and services. Mobile banking, meanwhile, offers a whole range of services, including the ability to track all your accounts at a glance.
Finder survey: What do Australians of different ages use their banking apps for?
| Response | |
|---|---|
| Transferring money or paying someone | 32.83% |
| Checking your balance | 32.4% |
| Transaction monitoring | 14.9% |
| I don't use a banking app | 12.1% |
| Budgeting and expense tracking | 4% |
| Find nearby ATMs | 1.4% |
| Customer support | 0.97% |
| Rewards and offers | 0.97% |
| Other | 0.43% |
Source: Finder survey by Pure Profile of 1113 Australians, December 2023
How does mobile banking work?
To access mobile banking, you will first need to download your bank's app. Your bank's website will usually have a link on their website, or you can visit your mobile app store.
After you've downloaded the app, follow the prompts to set up your account. It may ask you to confirm your username and password and send you an SMS to confirm your identity.
If you have any problems setting it up, it's best to visit or phone your bank for assistance. When you've finished setting up the app, you'll be able to perform banking services as you would on a computer. Some typical features include:
- View your account balance
- Make BPAY payments
- Set up scheduled payments
- Transfer funds between your accounts
- Transfer funds to someone else's account
- Monitor investments
- Access customer service and support
The best bank app will have all the features you're looking for, whether it's a convenient way to track your spending or the ability to send fast, instant payments.
Bank mobile app features
Almost all Australian banks have a mobile banking app that allows their customers to perform a range of tasks. Here's what the Big Four have to offer.
"If budgeting and expense tracking is important to you, then look for a bank whose app supports this, as not all of them do. Third party budgeting apps are useful but the data they display is usually slightly delayed, whereas a banking app's own budgeting tools have a real-time view of your account."
What should I keep in mind with mobile banking?
Before you start mobile banking, here's what you should look out for.
- Mobile banking availability. Check if your bank offers mobile banking. You won't be able to access your bank account details through another bank, so your bank will have to offer it. If you're looking to switch banks, then another bank's quality of mobile banking could be part of your decision.
- Security. Ensure all your financial details are kept safe and enable 2-factor authentication. Keep your phone safe with you at all times.
- Access to customer service. Banks have many customers and they need to produce mobile banking infrastructure that can handle large volumes of transactions at a time. Services should be available 24/7 and you should have easy access to customer service if you need it.
Something to consider...
Most mobile banking apps need an internet connection to be able to operate, so if you live in a rural area or experience problems with your internet connection, then you won’t be able to access your account. The same applies if your mobile phone runs out of battery.
How can I ensure my information is secure?
While most banking apps take into account security in the development of the app, it's still crucial that you observe best practice when using the app. Mobile phone apps can only do so much on their own to ensure you’re secure, such as logging you out after a certain amount of inactivity or making you provide password or SMS codes. If you’re careless about your own security, such as doing your banking on a public Wi-Fi connection, then you risk your details being stolen regardless of how secure a mobile banking app is.
Frequently asked questions
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Ask a question
do the commonwealth bank and westpac telephone banking apps work on a blackberry classic
Hi Tony,
Thanks for your question.
Unfortunately at this point in time Commonwealth Bank and Westpac don’t have mobile apps working with Blackberry.
I have a bank account (A Chequing & e-advantage savings)with CIBC.
I recently had to report my visa debit card lost which my Bank then canceled unfortunately I found it too late and the cancelation of my card was unreversable.
I am unable to go into my branch to get a replacement card as I am out of town for a few weeks, as well have no forms of Identification asy purse was in the back of my girlfriends vehicle which was recently stollen (like I needed to lose ALL of my ID on top of everything else).
My question is how can I or am I still able to utilize my money in my bank account that IS available to me in anyway? I hope there is a possible form of transaction that can take place for me to be able to have access to MY money either through a Transfer to an email or person with security measures if course. Will or Can u aid me in this request?
Sincerely, Elizabeth
Hi Elizabeth,
Thanks for your question and we’re sorry to hear about your situation.
Please note that finder.com.au is an Australian comparison and information service.
Unfortunately you’ll need to speak to CIBC (phone or in person) about your options in regards to accessing your account. They may be able to organise an emergency cash transfer for you.
Cheers,
Shirley