The digital banking revolution in India has changed the way millions of people manage their money. From checking balances to transferring funds in seconds, modern banking apps are offering a host of benefits. With the rise of smartphones and the internet in India, mobile banking apps have become an essential tool.
In 2025, almost every financial institution, be it private, public or digital. In short, it offers its own banking app. But not every app is designed equally. The best apps excel in security, speed, user experience, automation and feature availability.
If you are looking for the best banking apps in India. Here is a detailed guide on the top 10 banking apps, along with their features and benefits that will help you make an informed choice.
Top 10 Best Banking Apps in India (2025)
1. Kotak 811 & Kotak Mobile Banking
Kotak 811 is one of the most preferred mobile banking apps due to its ease of onboarding and feature-rich interface. Users can open a zero-balance digital savings account in minutes using Aadhaar verification. The virtual debit card enables easy online transactions. And Kotak was one of the first banks to introduce WhatsApp Banking, making the experience even easier.
Top Features
- Zero-balance digital savings account
- Internationally enabled virtual debit card
- Fingertip account management
- Instant UPI transactions
- Easy investment options: FDs, RDs, mutual funds
Benefits
- Fully online onboarding
- Reliable performance and strong UI
- Safe and instantly accessible banking
2. HDFC Mobile Banking App
HDFC’s mobile app is known for its professional interface and highly secure banking environment. It supports multiple languages including Hindi and offers a LITE version for users with low internet speeds.
Top Features
- Customizable My Menu
- Easy fund transfers
- Credit card bill payment
- Utility bill payments
- Multi-language and LITE app support
Benefits
- Great for users in low network zones
- Simplified navigation
- Wide range of services
3. YONO Lite SBI
A compact version of SBI’s YONO app, YONO Lite is designed for fast and secure banking. It supports multiple Indian languages and includes voice-guided transactions, making it unique.
Top Features
- Multiple language support
- Voice-assisted transactions
- Safe login with multi-factor authentication
- Fund transfers, bill payments, and card management
Benefits
- Highly secure
- Made for users seeking a simple and lightweight app
4. Axis Mobile
Axis Bank’s mobile app is one of the most stable and feature-rich apps. Its user-friendly interface helps customers perform advanced functions in addition to standard banking.
Top Features
- Auto-pay setup for recurring bills
- EMI conversion for credit card payments
- Temporary card block/unblock
- Setting debit card limits
- Favorite transactions list
Benefits
- Strong stability
- Useful for credit card-heavy users
- High-level customization
5. IDBI GO Mobile+
IDBI’s banking app is designed with a simple UI and allows users to instantly access all key banking services.
Top Features
- Mini statements and account overview
- Mobile recharge and bill payments
- Fund transfers via NEFT, RTGS, IMPS, and UPI
- Investment options
Benefits
- Simple interface
- Quick access to routine services
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6. Baroda M-Connect Plus
Baroda’s M-Connect Plus is one of the most user-friendly PSU banking apps. It also offers the option of cardless cash withdrawal from Bank of Baroda ATMs.
Top Features
- Utility bill payments
- Instant funds transfer
- Cash withdrawal without ATM card
- Cheque book request and tracking
- Available in 7 Indian regional languages
Benefits
- Great for regional users
- Simplifies cash withdrawals
- Secure and stable
7. iMobile Pay by ICICI
iMobile Pay is one of the highest rated mobile banking apps in India for its reliability and wide range of services. You can also manage savings accounts, credit cards, investments and insurance policies.
Top Features
- Instant loan eligibility check
- Transfer funds to mobile number or email ID
- UPI payments
- RD/FD opening
- ATM locator
Benefits
- Extremely versatile
- Smooth and fast interface
- Trusted by millions
8. CANDI: Canara Bank Mobile Banking
CANDI is also known as the “One Bank, One App” digital platform for Canara Bank customers. It supports multiple banking services in a unified digital space.
Top Features
- Fund transfers
- Loan and EMI payments
- Investment options
- GST payments
- Digital passbook
Benefits
- Simple and usable for all age groups
- Wide list of traditional and digital services
9. BOI Mobile: Bank of India
BOI Mobile is one of the most secure banking apps that offers detailed account management. It allows users to manage deposits, loans, card services and cheque book requests right from the app.
Top Features
- Transaction favorites
- Online balance check and passbook
- Email statement instantly
- RTGS, NEFT, IMPS transfers
- Cheque status and stop cheque
Benefits
- Strong security
- Best for users with multiple accounts
- Quick service request management
10. PNB ONE
PNB ONE integrates all banking services under a single platform. From investments to card management, it provides easy access to essential financial services.
Top Features
- Term deposit opening
- Fund transfers
- Card services
- Bill payments
- Account statements
Benefits
- Clean UI
- Covers all basic banking needs
- Suitable for users who want one app for all PNB services
Essential Features of a Good Banking App
Regardless of the bank you choose, a strong mobile banking app must provide the following features:
Secure Payment Systems
IMPS, NEFT, RTGS, UPI, QR payments, and NFC.
High-Level Security
- Two-factor authentication
- Biometric login
- Device-specific registration
- Encrypted transactions
Credit Card & Loan Management
Ability to pay bills, track usage, and convert transactions into EMI.
Beneficiary and Payee Management
Quickly add and manage recipients for repeat transactions.
Notifications & Alerts
Instant notifications via SMS, email, and in-app alerts.
ATM & Branch Locator
Helps you find nearby branches and ATMs in seconds.
AI Chatbot Support
Instant help for user issues.
Non-Traditional Banking Features
- Investment tracking
- Insurance policies
- PPF/NPS services
- Ticket booking
- Recharge & bill payments
Traditional Banking Facilities
- Checkbook requests
- Card blocking
- Balance updates
- Account linking
- Deliverables tracking
Conclusion
Choosing the best banking app depends on your financial needs. While all of the apps listed above offer secure, user-friendly, and reliable banking experiences, whether they’re the best for you depends on factors like speed, features, card management options, and customer support.
Above all, make sure the app supports strong security, covers all major payment systems, and offers a smooth user experience.
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FAQs: Frequently Asked Questions
Q1. Which is the No.1 mobile banking app in India in 2025?
Kotak 811, iMobile Pay and HDFC Mobile Banking are considered the top three mobile banking apps. This was due to their clean UI, advanced features and high security.
Q2. Are mobile banking apps safe for financial transactions?
Yes. All major Indian banking apps use encryption, biometric login, device-binding. And they also use two-factor authentication to make transactions secure.
Q3. Which banking app is best for UPI payments?
Most major apps support UPI, but iMobile Pay, Kotak 811, and YONO Lite SBI offer the most stable UPI experience.