Banking has long gone from manual procedures to getting things done within few clicks. We surely had few hitches in the beginning, but now – being the digital era, we all are accustomed to the changes and even keep up with the updates happening in mobile banking with ease.
Keeping in mind the fact that there has been an increase in mobile banking app users, the mobile app development industry has also been actively creating apps for mobile banking and related services. The situation is the same for all countries, including the UK.
From both customer and banking point of view, mobile banking apps do seem like a boon. But you never know until you actually use them. Finding the best mobile banking apps to carry out banking-related functions is a herculean task.
Through this blog, we mean to ease out the job for you. Here, we have listed out the 10 best mobile banking apps in the UK based on their range of functions and the level of service satisfaction they offer.
Consider the following list of mobile banking apps UK.
1. Barclays Mobile Banking App
Known to be one of the most sought-after banking services with over 5 million installs, Barclays mobile banking app tops the list. You can download the app from both Google Play Store as well as Apple App Store.
What makes Barclays mobile banking app noteworthy is its stunning features and the array of basic banking tools that make everyday banking easy for the customers.
Due to safety concerns, the app does not support rooted devices. Users can check their account balance, access account details, send or receive money and earn rewards.
A few noteworthy features are:
- Account overview and access
- Payments and transfers
- Loan and cash rewards
- Tips and directions
- Branch locator
- Security
2. NatWest Mobile Banking App
NatWest Mobile Banking App had won the “Best Banking App” title for two consecutive years (2017 and 2018) by British Banking awards, which is a rare honour.
The app is known for intuitive banking services making it a favourite among users seeking banking services. NatWest Mobile Banking App is available for download in both Google Play Store and App Store.
The app is packed with features that are simple to use and provide secure banking services. Users can check their balance, manage their account and do transactions using the app.
The prominent features that make NatWest a gem among mobile banking apps are:
- Account Overview & Quick Access
- Payments
- Get Cash
- Branch Locator
- Security
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3. Lloyds Bank Mobile Banking app
Lloyds mobile banking app is another great banking app in the UK. It has been honoured as a Mobile Banking Benchmark and has earned a million downloads for its quality features and services. The app has both Android and iOS and you can download in from the respective app stores.
What makes Lloyds mobile banking app noteworthy is it’s easy to use interface, quick response and the built-in security technology that keeps user details safe and secure.
The app is known for its usability and seamless functionalities combined with the best customer experience it offers.
Here are some of its main features:
- Account overview
- Payments and transfer
- Branch and ATM finder
- Security
4. The Halifax banking App
The Halifax banking app stands out among its counterparts and hence, undoubtedly, deserves a spot in the list of best mobile banking apps in the UK.
The app has unique features, a simple and intuitive design and user-friendly attributes that ensure that the bank customers are well-served. The app is available for download in Google Play Store as well as Apple app store.
What sets the Halifax banking app apart from its closest contenders is the cheque deposit feature. Apart from that, it also provides all basic banking features and tools like any other banking app. The Halifax Mobile banking app also does not support rooted devices to ensure security.
Its main features and functions can be summed as.
- Easy access and overview
- Deposits, payments and transfers
- High Security
5. Santander Banking App
Santander Banking App is another must-include app in the list of top banking apps in the UK. You can download the app for free from the Apple App Store and Google Play store.
What makes the app impressive is that it is optimized to make money management an easy task for customers. The ‘bill splitting tool’ is exclusive to the app that adds to its awesomeness.
The app supports multiple accounts, allows smart finance tracking and has many other features that make it stand out among its counterparts.
Below are the main features of the app:
- Easy access and overview of multiple accounts
- Deposits, payments and transfers
- Bill splitting
- Branch and ATM locator
- Security
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6. Royal Bank of Scotland App
Royal Bank of Scotland mobile banking app makes banking a simple and secure experience for users. The app is packed with features that provide convenient banking services to customers and is added with a built-in security technology to ensure the safety of account details.
The added features like money transfer between accounts, making payments and fingerprint login make the app unique. The app even provides access to visually impaired people.
The Royal Bank of Scotland app basks in positive reputation that emerges from the leading 4.5 ratings in the app store and registers a million downloads.
The app’s main features include:
- Access and overview
- Payments and transfers
- Branch Locators and Get Cash
7. HSBC Banking App
HSBC is a popular bank that is headquartered in London, UK and has branches across different countries. The bank has a large customer base and provides all necessary basic banking features and tools through their app.
Customers should register for Personal Internet Banking to use HSBC Banking app. Once they register, they can avail all functionalities on its online banking platform. Users can use the app to access their account details and conduct transactions smoothly.
Just as other mobile banking apps do, this one also allows customers to access their account details and perform transactions smoothly.
To be eligible for using the app, customers should register for Personal Internet Banking. Registered users are free to avail all the functionalities on its online banking platform.
The main features of the HSBC Banking App include:
- Easy Account access and overview
- Payments and transfers
- Branch and ATM locator
- Security
8. Nationwide Banking App
Nationwide Banking App is another top banking app in the UK that provides basic and intermediate banking needs the app way. The app consists of all basic features necessary for banking. Apart from that, the app has additional features that allow customers to access their account and also manage multiple accounts.
Nationwide Bank has two mobile banking apps – one is for banking and the other for managing insurance policies management where users can pay their bills, rate quotes updates and locate local agents. Both apps are available for download in Google Play Store and Apple App Store.
The number of downloads has hit over one million with average rating of 3.9 in the app store.
Its general features are:
- Access and overview
- Payments and transfers
- Other features
9. TSB App
TSB app is another banking app that comes with easy-to-use features and a user-friendly interface that makes banking a simple task for customers. The app is available for free download in Google Play Store as well as App Store.
TSB app has all necessary basic banking features and is constantly undergoing updates where new features and well as better versions of existing features are added to it to provide the best user experience. Like many other banking apps, TSB app will also not work on rooted devices.
The frequent updates are released to improve existing features. TSB app will not work on rooted devices.
Some of its top features are:
- Easy access and account overview
- Payments and fund transfers
- Converter and locator
10. Monzo Banking App
Monzo Banking App is a unique banking app in the UK that provides exclusive, mobile-only banking services in the country. The app is available for free download in Google Play Store as well as App Store.
Users can open a current account or a salary account using the app and they can officially own a sort code, account number and Monzo debit card. Customers can use the debit card to pay wherever Mastercard is accepted. The app also allows easy bank transfer through standing orders and direct debits. Customers can also freeze their Monzo cards if they lose it.
Quite unique among peer mobile banking apps for this streak, the app received more than 100,000 downloads and ratings of 4.2 on the app store.
Monzo Bank users are allowed to open a current account and can officially own a sort code, account number and aMonzo debit card.
Prominent features of Monzo banking app are:
- Current account and salary account
- Payments and transfers
- Protection against card loss
- Free international debit card payments
Read Also: The Future of Biometric Authentication in Mobile Banking
Conclusion
The above-mentioned apps are what can be considered the best mobile banking apps in the UK.
Mobile banking apps are extremely useful. You do not have to personally go to a bank and wait in the queue to get things done. Instead, you can do it with a few clicks. Users can manage and control their finances, carry out banking-related operations and monitor their transactions using banking apps.
All banking apps have some general features that are essential for easy and secure banking. Apart from that, many apps also have features that are unique to them, that add to the quality and functionality. You can choose the app that best suits your personal financial requirements and have them installed in your smart phone to use.