Top Indian Banks & Their Mobile Banking Apps: Latest Ratings and Reviews in 2026

Digital banking in India is growing rapidly, and mobile banking apps have become one of the most important services offered by banks today. From fund transfers and bill payments to UPI transactions and investment services, banking apps are now an essential part of daily life for millions of customers.

In this article, we take a look at some of the top Indian banks, their official mobile banking apps, and their latest Google Play Store ratings and review counts.

Public Sector Banks (PSBs)

Public sector banks have significantly improved their digital banking platforms over the last few years.

* State Bank of India – YONO SBI – 4.2★ (3M reviews)

* Bank of Baroda – bob World – 4.3★ (1M reviews)

* Punjab National Bank – PNB ONE – 4.3★ (1M reviews)

* Canara Bank – Canara ai1 – 4.4★ (1M reviews)

* Union Bank of India – Union Ease – 3.0★ (816K reviews)

* Bank of India – BOI Mobile Omni Neo Bank App – 4.0★ (150K reviews)

* Indian Bank – IndSMART – 4.3★ (698K reviews)

* Central Bank of India – Cent Mobile – 3.6★ (139K reviews)

* Indian Overseas Bank – IOB VYOM – 4.3★ (20K reviews)

* UCO Bank – mPassbook / UCO mBanking Plus – 4.7★ (342K reviews)

* Bank of Maharashtra – Zen-lyfe – 3.0★ (6K reviews)

* Punjab & Sind Bank – PSB UniC – 4.4★ (22K reviews)

Major Private Sector Banks

Private banks continue to dominate in terms of user experience, ratings, and app innovation.

* HDFC Bank – HDFC Bank MobileBanking – 4.7★ (1M reviews)

* ICICI Bank  – iMobile Pay – 4.6★ (6M reviews)

* Axis Bank – Axis Mobile – 4.8★ (3M reviews)

* Kotak Mahindra Bank – Kotak Mobile Banking / Kotak 811 – 4.7★ (1M reviews)

* IndusInd Bank – IndusMobile – 4.6★ (703K reviews)

* YES Bank – IRIS – 4.7★ (133K reviews)

* IDFC FIRST Bank – IDFC FIRST Bank Mobile App – 4.9★ (2M reviews)

* IDBI Bank – Go Mobile+ – 4.6★ (321K reviews)

* Federal Bank – FedMobile – 4.5★ (196K reviews)

* South Indian Bank – SIB Mirror+ – 4.2★ (54K reviews)

* RBL Bank – RBL MyBank – 4.4★ (100K reviews)

* Karnataka Bank – KBL Mobile Plus – 4.6★ (220K reviews)

* Karur Vysya Bank – KVB DLite – 4.8★ (139K reviews)

* City Union Bank – CUB Mobile Banking – 4.2★ (29K reviews)

Key Observations

* IDFC FIRST Bank currently has one of the highest ratings at 4.9★.

* Axis Bank and Karur Vysya Bank also maintain excellent customer ratings at 4.8★.

* ICICI Bank’s iMobile Pay leads in review count with around 6 million reviews.

* PSU banks are improving rapidly in mobile banking services and digital adoption.

* Customers now prefer apps with smooth UI, quick UPI services, and reliable customer support.

Mobile banking has become the backbone of modern banking services in India. Banks are continuously upgrading their apps to provide secure, fast, and customer-friendly digital experiences.

Whether it is UPI payments, account management, online FD booking, or digital loan services, banking apps are shaping the future of Indian banking.

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Best UPI App in March 2025: PhonePe or Google Pay

The largest invention in India's banking industry is reportedly UPI. Banking transactions are now quicker and easier thanks to UPI. You can download and utilize any of the many UPI apps available on the market to make payments. According to NPCI's official data, PhonePe is the most popular UPI app in India, with Google Pay trailing closely behind. In March 2025, PhonePe handled 8,647.78 million transactions totaling Rs. 12,57,075.54 crore. In the same month, Google Pay handled 6,596.76 million transactions totaling Rs. 8,66,568.18 crore. Let's examine the performance of other UPI apps in March 2025.

UPI Apps (Mar’25)
Sr.No.	Application Name	Customer Initiated Transactions		B2C Transactions		B2B Transactions		Total
		Volume (Mn)	Value (Cr)	Volume (Mn)	Value (Cr)	Volume (Mn)	Value (Cr)	Volume (Mn)	Value (Cr)
1	Phone Pe #	8,647.78	12,57,075.54	0.00	0.00	0.00	0.00	8,647.78	12,57,075.54
2	Google Pay #	6,596.76	8,66,568.18	0.00	0.00	0.00	0.00	6,596.76	8,66,568.18
3	Paytm #	1,221.12	1,32,912.04	0.00	0.00	0.00	0.00	1,221.12	1,32,912.04
4	Navi #	324.42	18,018.65	0.00	0.00	0.00	0.00	324.42	18,018.65
5	super.money #	171.75	5,933.08	0.00	0.00	0.00	0.00	171.75	5,933.08
6	Axis Bank Apps	20.26	5,015.47	125.50	4,948.62	0.01	2.43	145.78	9,966.53
7	Cred #	144.82	55,091.22	0.00	0.00	0.00	0.00	144.82	55,091.22
8	Amazon Pay #	111.06	10,606.66	0.00	0.00	0.00	0.00	111.06	10,606.66
9	FamApp by Trio #	89.94	1,099.28	0.00	0.00	0.00	0.00	89.94	1,099.28
10	ICICI Bank Apps	65.41	14,804.72	0.01	13.65	2.21	1,878.57	67.63	16,696.94
11	Whatsapp #	66.23	4,958.25	0.00	0.00	0.00	0.00	66.23	4,958.25
12	HDFC Bank Apps	46.63	11,782.56	14.30	5.37	0.01	1.97	60.94	11,789.90
13	Kotak Mahindra Bank Apps	57.05	7,737.14	0.00	0.00	0.00	0.00	57.05	7,737.14
14	BHIM #	46.13	9,540.09	0.00	0.00	0.00	0.00	46.13	9,540.09
15	Yes Bank Apps	43.58	9,369.60	0.01	0.12	0.44	19.13	44.03	9,388.85
16	Mobikwik #	29.80	4,414.00	0.00	0.00	0.00	0.00	29.80	4,414.00
17	Airtel Payments Bank Apps	21.63	1,487.83	0.00	0.02	0.00	0.04	21.63	1,487.89
18	Slice #	17.41	2,069.29	0.00	0.00	0.00	0.02	17.41	2,069.31
19	India Post Payments Bank Apps	16.58	1,941.73	0.00	0.00	0.00	0.00	16.58	1,941.73
20	IDFC Bank Apps	14.39	2,478.07	0.14	7.96	0.01	0.05	14.53	2,486.08
21	State Bank of India Apps	12.61	3,418.04	0.00	0.00	0.00	0.00	12.61	3,418.04
22	RBL Bank Apps	12.38	1,714.22	0.00	0.01	0.20	27.46	12.59	1,741.69
23	Groww #	11.63	7,009.63	0.00	0.00	0.00	0.00	11.63	7,009.63
24	Bajaj Finserv #	9.66	1,892.01	0.00	0.00	0.00	0.00	9.66	1,892.01
25	Samsung Pay #	8.95	642.73	0.00	0.00	0.00	0.00	8.95	642.73
26	Pop Club #	8.53	449.95	0.00	0.00	0.00	0.00	8.53	449.95
27	Jupiter Money #	6.49	958.52	0.00	0.00	0.00	0.00	6.49	958.52
28	Federal Bank Apps	4.75	869.77	0.00	0.00	0.00	0.00	4.75	869.77
29	Flipkart UPI #	4.72	257.82	0.00	0.00	0.00	0.00	4.72	257.82
30	Jio Payments Bank Apps	4.08	318.20	0.00	0.00	0.00	0.00	4.08	318.20
31	Canara Bank Apps	3.75	975.91	0.00	0.00	0.00	0.00	3.75	975.91
32	Deutsche Bank Apps	3.61	531.92	0.00	0.00	0.00	0.12	3.62	532.05
33	Punjab National Bank Apps	3.38	898.95	0.00	0.00	0.00	0.00	3.38	898.95
34	Fi Money #	3.25	434.16	0.00	0.00	0.00	0.00	3.25	434.16
35	Timepay #	3.07	37.66	0.00	0.00	0.00	0.00	3.07	37.66
36	Bank of Baroda Apps	2.11	588.95	0.00	0.00	0.00	0.00	2.11	588.95
37	IndusInd Bank Apps	2.04	346.00	0.00	0.00	0.00	0.00	2.04	346.00
38	Shri Ram One #	1.75	116.77	0.00	0.00	0.00	0.00	1.75	116.77
39	Jammu and Kashmir Bank Apps	1.75	261.45	0.00	0.00	0.00	0.00	1.75	261.45
40	Omni Card	1.59	86.51	0.00	0.00	0.00	0.00	1.59	86.51
41	Central Bank of India Apps	1.57	268.00	0.00	0.00	0.00	0.00	1.57	268.00
42	Kiwi #	1.41	213.93	0.00	0.00	0.00	0.00	1.41	213.93
43	Suryoday Bank Apps	1.24	174.22	0.00	0.00	0.02	4.71	1.26	178.92
44	Bharat Pe #	1.07	68.67	0.00	0.00	0.00	0.00	1.07	68.67
45	DBS Digibank Apps	1.02	228.73	0.00	0.00	0.01	1.48	1.02	230.21
46	HSBC Bank Apps	0.99	224.31	0.01	0.32	0.00	0.21	1.00	224.84
47	Ind Money #	0.95	436.80	0.00	0.00	0.00	0.00	0.95	436.80
48	Aditya Birla Capital Digital #	0.88	39.97	0.00	0.00	0.00	0.00	0.88	39.97
49	One Card #	0.82	973.00	0.00	0.00	0.00	0.00	0.82	973.00
50	Digikhata	0.80	258.58	0.00	0.00	0.00	0.00	0.80	258.58
51	Union Bank Apps	0.72	241.09	0.00	0.00	0.00	0.00	0.72	241.09
52	South Indian Bank Apps	0.68	204.88	0.00	0.00	0.00	0.00	0.68	204.88
53	Indian Bank Apps	0.64	176.18	0.00	0.00	0.00	0.00	0.64	176.18
54	AU Small Finance Bank Apps	0.59	174.06	0.00	0.00	0.00	0.00	0.59	174.06
55	Fino Payments Bank Apps	0.58	63.84	0.00	0.00	0.00	0.00	0.58	63.84
56	Standard Chartered Bank Apps	0.31	140.79	0.00	0.00	0.19	5.67	0.50	146.46
57	UCO Bank Apps	0.44	110.34	0.00	0.00	0.00	0.00	0.44	110.34
58	Tata Neu #	0.38	111.95	0.00	0.00	0.00	0.00	0.38	111.95
59	ESAF Small Finance Bank Apps	0.38	40.78	0.00	0.00	0.00	0.00	0.38	40.78
60	Salary Se #	0.36	18.23	0.00	0.00	0.00	0.00	0.36	18.23
61	Bank of India Apps	0.27	86.10	0.00	0.00	0.00	0.00	0.27	86.10
62	Indian Overseas Bank Apps	0.26	60.29	0.00	0.00	0.00	0.00	0.26	60.29
63	Karnataka Bank Apps	0.25	57.71	0.00	0.00	0.00	0.01	0.25	57.72
64	Kredit.Pe #	0.19	26.43	0.00	0.00	0.00	0.00	0.19	26.43
65	Money View #	0.18	18.99	0.00	0.00	0.00	0.00	0.18	18.99
66	Dhani	0.17	8.44	0.00	0.00	0.00	0.00	0.17	8.44
67	Spice Money	0.16	12.87	0.00	0.00	0.00	0.00	0.16	12.87
68	Rapipay	0.14	17.08	0.00	0.00	0.00	0.00	0.14	17.08
69	IDBI Bank Apps	0.13	45.74	0.00	0.00	0.00	0.00	0.13	45.74
70	Ultracash #	0.11	8.67	0.00	0.00	0.00	0.00	0.11	8.67
71	Niyo Global #	0.11	54.39	0.00	0.00	0.00	0.00	0.11	54.39
72	True Balance	0.10	3.41	0.00	0.00	0.00	0.00	0.10	3.41
73	Karur Vysya Bank Apps	0.09	33.66	0.00	0.00	0.00	0.00	0.09	33.66
74	City Union Bank Apps	0.09	31.31	0.00	0.00	0.00	0.00	0.09	31.31
75	Tamilnad Mercantile Bank Apps	0.08	29.48	0.00	0.00	0.00	0.00	0.08	29.48
76	Genwise #	0.07	28.34	0.00	0.00	0.00	0.00	0.07	28.34
77	Freo #	0.05	3.87	0.00	0.00	0.00	0.00	0.05	3.87
78	NSDL Payments Bank Apps	0.04	5.54	0.00	0.00	0.00	0.00	0.04	5.54
79	Cheq	0.03	2.43	0.00	0.00	0.00	0.00	0.03	2.43
80	Bank of Maharashtra Apps	0.03	9.11	0.00	0.00	0.00	0.00	0.03	9.11
81	Punjab Sind Bank Apps	0.03	9.19	0.00	0.00	0.00	0.00	0.03	9.19
82	Others	2.08	247.74	0.00	0.00	0.18	7.19	2.26	254.93

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