10 Best Banking Apps in the UK 2020

With the advent of the smartphone era, mobile banking has over the years become a growing trend. Now more and more people prefer to access their banking services through banking apps. As more branches close and mobile banking is on the rise and we are being compelled to interact with our banks in a different way. Smartphones and banking apps have changed the way of banking. These banking apps now give us easy access to services that were once available only in person at our bank branch. This post will introduce to you some of the best banking apps UK or best banking apps in the United Kingdom.

However, finding the best mobile banking apps is not an easy task when determining which bank to open an account. Each bank now offers a wide array of functions in their banking apps such as the ability to check balance, view statements, make payments and see pending transactions. The quality and functionality of a banking app are becoming increasingly important. Some banks or apps offer more in-depth functionality and features.

Best Banking Apps UK

There are certain features to Consider When looking for Banking Apps. The first thing to make sure is that the App is completely free and the bank doesn’t charge for extra fees. The second thing is the limitations, there are certain banks that put certain limits on deposits, transfers, and payments. Be sure of the deposit limits before you start using the app.

Security is the most important feature that should be concerned. Make sure that the app you are using is genuine and safe from fraudulent activities. The banking app should also have a user-friendly interface, easy to navigate and perform banking activities with ease.

Best Banking Apps UK

If you are based in the UK or the United Kingdom, these are our best banking apps that you can check out. Our rankings are based on the app’s features, functionalities, user’s ratings and the number of installs or users.

1. Lloyds Bank Mobile Banking app

Lloyds Bank Mobile Banking app was rated as the top Mobile Banking service by Forrester in UK Mobile Banking Benchmark. The Lloyds Banking App has received over a million downloads and an average rating of above 4 on the app stores. That is the reason why we have listed number 3 on our list of Best banking Apps UK. The app is available for iOS and Android devices.

Lloyds Banking App is easy to use, fast, convenient and secure with built-in security technology to keep your banking details safe and private. Lloyds Banking App was rated highest for usability and its functionality. Lloyds Banking App provides its customers with the best experience. Let us have a look at some of its main features.

Lloyds Bank Mobile Banking app

Account Overview: With a simple and clean interface, Lloyds Banking App lets users check their Lloyds Bank account balances and pending payments. Not only that, all eligible accounts including mortgages, full transaction history on savings, current and credit card accounts. This allows users to work out the difference between the actual and available balances in their accounts.

Unlike most apps, Lloyds Banking App shows complete details, such as transaction type, merchant name, business category, location as well as the transaction date, payment method, cashback amount or the foreign currency value. The app also comes with the ability for users to open new accounts for different banking products by providing a side by side comparison of different Savings accounts.

Transfers & Payments: Lloyds Banking App supports various transactions. It allows users to make payments by selecting contacts or payee straight from their phone contacts by using the new ‘Pay a Contact’ service as part of the PayM scheme. You can also make payments to new and existing payees. It supports the transfer of money between accounts and also allows them to make UK and international payments.

Branch & ATM finder: The app comes with a tool to help customers easily find the nearest ATMs and branch along with opening times.

Security:  Lloyds Banking App uses the latest online security measures to protect your money, your personal information, and your privacy. It also comes with Face ID, Touch ID, or 3 digits login features to make users account more secure.

And many more…

Rating: 4.6/5

Get Lloyds Banking App

2. The Halifax Banking App

Third, in the list of banking apps UK is the Halifax banking app. This app comes with some unique features and the design is simple and user-friendly. It is available for Android and iOS platforms. It has received a million downloads with an average rating of 4.4 on the app store.

The one unique feature of The Halifax banking app is the cheques deposit feature. This is not available on the above-listed apps as of writing this post. This app lets you perform all the basic functions of mobile banking. Please note that the Halifax Mobile banking app won’t work on rooted or jailbroken devices. Let us see some of the main features or functions of this app.

Easy Access & Overview: Getting access to your bank account is easy with this app. All need is to just use your Touch ID to log into the app on an iPhone or you can log in using Express Sign-in. once you are in, you can view and manage a range of Halifax products. These include current accounts, savings accounts, and credit cards. You can check your current balances, transaction history in detail and pending payments. You can also view a summary of income and outgoings as well.

Within the app, you can view your Cashback Extras offers. It also lets you view and applies for new products including Credit or debit cards. You can also cancel and view direct debits, delete payment details to a company or person all within the app.

Halifax banking app

Deposits, Payments & Transfers: The Halifax banking app allows users to deposit cheques using the ‘Deposit Cheque’ feature. This Deposit Cheque feature or tool is simple, secure and saves you time. All you have to do I just take a photo of the cheque and enter the details. Apart from that, the app also allows customers to make transfers between their different accounts within the bank i.e. savings and current accounts.

Not only that You can make payments to existing and new payees. You can also manage standing orders and view your direct debits. Also, set up an international payment and see the amount.

Security: The Halifax Mobile Banking app uses industry-standard encryption just like a computer’s internet browser. With their online banking guarantee, they are doing their best to protect your account.

and lot’s more features…

Rating: 4.6/5

3. NatWest Mobile Banking App

Taking the top spot on our list is the NatWest mobile banking app. It is an award-winning app for two consecutive years and named ‘Best Banking App’ in 2017 and 2018 by the  British Banking Awards. The app has received a million downloads with 4 plus ratings on the app stores. The application is available for both Android and iOS platforms.

NatWest banking app is a simple and secure application with lots of features. It includes features to lets you manage your account from checking your balance to making transactions. Let’s see some of the features that make the NatWest banking app as one of the best.

Account Overview & Quick Access: NatWest app comes with a clean, simple and friendly user interface. It is easy to use. Once you have the app, all need is your Online Banking customer number, PIN and password to get access right away. The app lets you check your current balances such as your Current, Savings Account balance and your Master or Credit card balance. You can also see transaction history and check your pending and available Rewards balance. The app also lets you set up new payees and make payments.

natwest mobile banking app - banking apps UK

Payments: The app lets you manage direct debits and standing orders and also lets you transfer up to £250 to any UK bank account. With this app, you can make payments to any UK accounts also international accounts that you have previously added using Online Banking.

You can easily make bill payments by searching for approved accounts and service providers when entering a payee name. With the integration of Paym service, you can pay anyone in your Contacts easily. Not only that, you can share a confirmation after sending a payment or setting up a Standing Order.

Get Cash: You can get cash at any NatWest or Tesco cash machine even when you don’t have your debit card. This feature lets you take withdraw up to £130 per day from cash machines. However, your account should have at least £10 available in your account and there is a maximum limit of two Get Cash withdrawals every 24 hours.

Branch Locator: The app also has a tool to let you find or locate your nearest cash machine or local branch.

Security: The app also comes with the ability to login with your fingerprint to increase your security level. When you are using the app, you are protected by NatWest’s Secure Banking Promise. NatWest protects your accouter 24/7 by monitoring your account and using the latest technology to keep you safe. Also, it provides you with tips on staying secure and free tools for extra protection. One of the best security features is that the bank will refund any money paid out of your account by a fraudster.

And many more features…

Rating: 4.5/5

Download NatWest Mobile Banking App

4. TSB Mobile Banking App

TSB banking app has a modern look and friendly user interface, thus making it easy to use. The app is available for both Android and iOS platforms and has received around 500, 000 downloads on the Play Store. This is the reason why we have included in this list of Best banking Apps UK.

The app is still in the early stage, the developer is still on the app to improve more. They release frequent updates to add new features and keep everything operating as it should. Please note that this app will not work on rooted devices. Let’s see some of the features of the TSB Mobile Banking App.

TSB Mobile Banking App

Easy Access & Account Overview: The app is easy to use, you can just log in using your Touch ID, Face ID, Iris Pass or user ID, password and memorable question used for internet banking. Within the app dashboard, users can view their current account balances, transaction history.

Like the above apps, it allows users to set up and manage standing orders and cancel Direct Debits. The app will also shortly allows customers to open new savings accounts and request a larger overdraft all through within the app.

Payments & Transfers: Like most advanced banking apps, TSB Mobile Banking App allows customers to make payments from the app to existing payees. However, to pay someone new you will get an automated call and confirm a four-digit code to add and pay a new payee account.

Converter & Locator: TSB Mobile Banking App comes with a useful currency converter and a branch locator tool to help users easily locate nearby ATM and branches.

…and many more

Rating: 4.5/5

5. Nationwide Banking App

The Nationwide Banking App provides some basic utility and the recent updates have added some improvements. The app now gives customers the ability to manage multiple accounts and get access to their account details. The app has received over one million downloads and an average rating of 3.9 from the app store. It is to be noted that, the Nationwide has two mobile banking applications.

One is the Nationwide Mobile to manage insurance policies, including paying bills, locating local agents and receiving rate quotes. The Nationwide Banking App is for mobile banking. These two apps are available for iOS and Android platforms.

Nationwide Banking App

Access & Overview: Like most apps above, the Nationwide Banking App allows users to easily log in to the app using their Touch ID and 6-digit passcode. It allows customers to manage their accounts across a range of devices such as tablets and smartphones. Customers can view their current account and credit card customers, 15 months history of transactions. There is also a comparison tool, a search function to locate a transaction by name, amount, or location.

Payments & Transfers: With this app, you can send money to your existing payees, now or on a future date. You can manage payments, view and cancel regular payments and Direct Debits. The app also supports making payments by just using a mobile number via Paym service.

Other Features include such as Cash flow bars for monthly spending habits, Quick Balance tool to see your balance without the need to log in. Impulse Saver to quickly save without logging in, Text alerts and many more. No doubt, Nationwide Banking App among the best banking apps UK.

Rating: 4.5/5

6. Barclays Mobile Banking App

Second, in our list of banking apps UK is the Barclays Mobile Banking App with over 5 million installs and impressive ratings of 4.6 on the app stores. It is available for both Android and iOS platforms. Barclays Mobile Banking App offers some of the most eye-catching features on top of the basic tools to help you with your everyday banking.

Please note that this app doesn’t work on rooted devices if you are on a rooted device that means that you will not be able to use this app. Like most banking apps, it lets you check your current balance, send money and earn rewards. Now, let’s see some of the amazing features of the Barclays Mobile Banking App.

Account Overview & Access: Barclays Mobile Banking App has a clean design with a blue and white visual color. A friendly user interface that lets users use with ease. With Barclays Mobile Banking App, you can manage your account and view your Barclays mortgage account, as well as managing your personal Barclay card accounts.

Through the app dashboard, you can cancel Direct Debits and also set up standing orders. The app has the ability or tool to let users upload, sort and store important documents securely with Barclays Cloudit. You can just use your camera to take photos of documents you want to store.

Barclays Mobile Banking App

Payments and Transfers: The app lets users transfer their funds between accounts and also make payments to any account that are in your payee list. You can also add and pay new and existing payees and move cash between your accounts. Not only that, you can freeze your card and set your own daily ATM withdrawal limits.

Apply for Loan & Cash Rewards: Within the Barclays Mobile Banking App, you can easily apply for loans and overdrafts and make overpayments on your mortgage. Not only that, you can access your Blue Rewards and view any specific cashback or discounts that are available for.

Branch Locator & Tips: Like most apps, this app also comes with a tool to find your nearest branch or cash machine. The app also lets you know about loans, with the best rates and terms that could be affordable for you.

Security: The app is equipped with advanced security features to make sure that your account is safe. Barclays Mobile Banking App uses an internationally recognized standard for information security management systems, used to manage sensitive data.

Many more features…

Rating: 4.4/5

7. Royal Bank of Scotland Mobile Banking App

The Royal Bank of Scotland Mobile Banking app is packed with some amazing features to make banking fast, convenient and more secure than ever. It has built-in security technology to keep banking details safe. The Royal Bank of Scotland Mobile Banking app offers lots of benefits including transferring money between accounts, making payments and fingerprint login.

Another great feature is that blind and partially sighted people can also access the same app as their sighted peers, at the same time. Royal Bank of Scotland Mobile Banking app maintains one of the highest ratings on the app store with 4.5 ratings and receives a million downloads. Below are some of the main features offered by the Royal Bank of Scotland Mobile Banking app.

Access & Overview: You can easily login with your fingerprint if you have a compatible phone. You can view your balances and history of transactions. It has the ability to hide your balance, reorder your accounts or edit the names of your accounts. You can also view your Customer Number to identify you when you log in to Digital Banking and for authentication.

Royal Bank of Scotland Mobile Banking app

Payments & Transfers: Within the app, customers can easily manage their Direct Debits and standing orders. Through the app, customers can also make the transfer up to £250 to any UK account. It also supports payments to international accounts. Customers can pay their bills by searching for approved utility and service providers. The app also supports making payments by just entering a mobile number that is registered for the Paym service.

Locator & Get Cash: The app comes with a tool to help customers easily locate nearby ATMs and branches. It also comes with a feature called Get Cash to let users get cash from any Royal Bank of Scotland (Scotland), NatWest or Tesco cash machine using the app.

and lot’s more features…

Rating: 4.4/5

8. Monzo Banking App

Last not but the least in our list of banking apps UK is the Monzo Banking App. Unlike the above-mentioned banks, Monzo Bank Ltd is a digital, mobile-only bank based in the United Kingdom. The app has been downloaded by more than 100,000 users and receives a rating of 4.2 stars on the app store. The app is available on both Android and iOS platforms and it is completely free to download. Some of its main features are;

With the Monzo Banking app, you can open a current account. The app will give you a sort code, account number, and hot coral Monzo debit card. The app or Monzo Bank allows users or customers to use their Monzo card to pay anywhere in the world that accepts Mastercard®.

Monzo Banking App - banking apps UK

Like most apps, it gives you instant notifications every time you make payment. You can also easily freeze your Monzo card anytime in case you lose it.

With the Monzo Banking app, making bank transfers is easy, you can just set up standing orders and direct debits. You can also have your salary paid straight to your account. Another interesting feature is the ability to use your card abroad and there are no fees for card payments.

And lots more…

Rating: 4.4/5

9. Santander Banking App

Santander Banking app is another good banking apps UK with a million downloads and ratings of 4.1 on the app store. The Santander Mobile Banking App is available for download from the Apple App Store and from Google Play. Santander Banking App is a well-optimized mobile app that makes money management easy. With unique features like the ‘bill splitting’ tool, the app supports multiple account accounts, finance tracking and many more. Below are some of the main features of the Santander Banking App.

Easy Access & Account Overview: With its neat and clean design, the app lets you easily and securely Login with your Touch ID, Face ID or Fingerprint. Within the app, you can view and sign up for paperless bank statements. You can easily monitor your entire account activity and balances. You can view your transactions history and money due to leave your account.

You can also access your Retailer Offers and activate individual deals on your card. In case, you want to keep a closer eye on your account activities, you can set up alerts. Santander Banking App also lets you apply for new products through the app.

Santander Banking App

Deposits, Transfers & Payments: Like the above Halifax banking app, the Santander Banking App also supports deposits of checks from their phones. It allows customers to transfer funds between accounts to any Santander account and other financial institutions. The app comes with the ability to pay bills anytime at anyplace. The app also allows you to send money to another person set up on the service by just using a mobile number through Paym. Within the app dashboard, you can view, delete, set up standing orders and cancel your Direct Debits.

Branch & ATM Locator: It also comes with a tool to find the nearest Santander ATM or branch.

Security: Santander Banking App uses a One Time Passcode (OTP) when you want to set up a new payee and change the reference for payment. For performing any tasks, there is a randomly generated code sent by text to your phone that you will need to enter. It also does not allow screenshots of information and logs you out after five minutes of inactivity. Users can also report a lost or stolen card easily. Users get to receive alerts about their accounts, credit cards and payment of bills.

and lot’s more…

Rating: 4.3/5

10. HSBC Banking App

HSBC Banking App might not get a good rating on the app store, however, it has received over 5 million downloads. It is among the Best banking Apps UK and has a huge customer base and provides all the basic functions. The HSBC Banking App allows customers to access their account information and perform transactions within the app. However, to use this app, you must be registered for Personal Internet Banking. The app offers all the functionalities as an offer on the online banking platform. Let’s see some of the main features of the HSBC Banking App.

Easy Access & Account overview: The app with a simple and clean design, it allows users to easily access their account. The app gives the options to either log in with Touch ID, username password and security questions, or using digital or physical security key device.

From the app, users can see the history of transactions and current balances. The Fast Balance feature enables customers to quickly and easily check their balances without logging into the app. With the HSBC Banking App, you can easily keep track of your weekly and monthly mini account statements.

HSBC Banking App

Payments & Transfers: The app allows users to receive and send payments securely to other accounts. It also allows for making payments by just using only their mobile numbers. You can also transfer between accounts and make payments to new and existing payees. The app also has a text alert features to inform you of any deposits, withdrawals or if your balance drops below a certain threshold.

Branch / ATM locator: Like the above apps, the HSBC Banking App comes with a useful tool to help customers find or locate nearby ATM and Branches.

Security: The HSBC Banking App offers the same set of security controls as in Personal Internet Banking. Similar features like server authentication, customer authentication, transaction limit controls, and data encryption are part of the Mobile Banking app.

and many more…

Rating: 2.7/5

That’s it on Best banking Apps UK or the best banking apps in the United Kingdom that can greatly help users in managing their finances.

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