Best Apy Banking Apps

4.8😐(2.2M ratings)

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#40in Finance

Manage your finances, monitor cash flow, and send money securely. View account balances, deposit checks, pay bills, and track spending. Get personalized insights and explore banking products and investments.

What We Love

👍 Convenient mobile banking
🚀 Easy to use app
💳 Great bank overall
🤝 Friendly and helpful customer service
🏦 Seamless transition from previous bank
🔒 Secure banking experience

Room to Improve

🐛 Frequent app crashes and bugs
🤔 Confusing app updates and changes
💳 Issues with credit card rewards redemption
🔍 Difficulty finding account information
🕰️ Slow transaction processing and app response times
🚫 Restricted money transfer options

Robinhood Banking by Robinhood Markets, Inc.

Credit Card & Banking

Strong Contender

4.9😊(123K ratings)

Free

#95in Finance

Manage your finances with a credit card offering 3% cash back on all purchases and virtual card numbers for private spending. Access high-yield savings, no-fee ATMs, and full-service banking without visiting a branch. Build family credit and enjoy 24/7 concierge support.

What We Love

🚀 Fast processing
💰 Excellent cash back rewards
📱 Sleek and intuitive app
🔒 Secure features like virtual cards
🤑 Ability to invest rewards
🤩 Seamless integration with Robinhood platform

Room to Improve

⏱️ Slow payment processing
🚫 Restrictions on modifying flights
🤔 Unclear transaction limits
💸 Potential for reduced cash back when redeeming points

Varo Bank: Online Banking by Varo Money inc

Early Payday & Cash Advances

Worth Considering

Zolve Credit Card | Banking

4.9😞(234K ratings)

Free

#78in Finance

This digital bank offers early payday, fee-free banking, and competitive interest rates. Access instant cash advances, a line of credit, and a free secured credit card to build your credit history.

What We Love

💳 Great credit building card
🚀 Fast and efficient banking
🔒 Secure credit and debit cards
💰 Competitive interest rates
💳 Helpful advance and borrowing features

Room to Improve

🕰️ Slow mobile check deposits
🤖 Ineffective customer service
🔒 Difficulty accessing accounts during maintenance
💰 Restrictive transfer and deposit limits
🐛 Technical issues with app and transactions

More Apy Banking apps to explore

High APY, No SSN Credit Card

US & Canada Credit Card applicationHigh-yield checking accountCredit building from Day 1

This app helps newcomers to the US and Canada establish their financial lives. It offers credit cards, high-yield checking accounts, and assistance with SIM cards, flights, and insurance. Build credit history and manage finances easily from day one.

(3.8K)

SoFi: Mobile Bank & Investing

Online Banking & Stock Trading

AI-driven financial guide (SoFi Coach)Fee-free online bankingHigh-yield savings accounts

Manage your banking, investments, and cryptocurrency in one place. Features an AI-driven financial guide for personalized insights, high-yield savings, and fractional share trading.

Manage your bank accounts, transfer funds, and handle card transactions with this secure mobile banking app. It offers features like bill payments, prepaid top-ups, and fraud alerts for a convenient digital banking experience.

Account management with transaction historyFund transfers (own, other, AYA Pay)Card management (lock, unlock, details)

free with in-app purchases

(147)

Agrani Smart Banking App

Committed to serve the nation

Account balance checkAccount statementFund transfer

This app provides a comprehensive digital banking platform for customers of a leading state-owned commercial bank in Bangladesh. It offers 24/7 access to account management, fund transfers, mobile recharges, and QR code transactions.

(110)

Nu: Everyday mobile banking

Trusted by over 140M people

3.50% APY on savings1.5% cashback on credit cardReal-time card management

This digital banking platform offers a high-yield savings account and cashback credit card. Enjoy real-time card management, fraud protection, and award-winning 24/7 customer support. Experience a modern, secure, and elegant financial service.

Moniepoint Personal Banking

(27K)

ad-supported

Savings account | Send money

Open bank account instantlySend and receive money fastEarn up to 18% interest on savings

This app provides a secure and convenient way to manage your finances in Nigeria. Open an account, send and receive money instantly, pay bills, buy airtime, and grow your savings with competitive interest rates. It offers a comprehensive digital banking solution for everyday financial needs.

(33K)

iMobile: Loan, Cards & Banking

Loans, Cards, Payment & FASTag

Instant loans (personal, home, car)Online savings account openingCredit card applications

This official banking app provides over 400 services for managing accounts, transferring funds, and applying for loans and credit cards. It offers features for investments, bill payments, mobile recharges, and travel bookings, accessible to both bank customers and non-customers.

(71K)

by APL Federal Credit Union

APL FCU Mobile Banking

Check account balances and transaction historyTransfer funds between accountsSchedule and manage bill payments

Manage your finances on the go with this mobile banking app. Access account details, transfer funds, pay bills, and deposit checks securely. Control your debit and credit cards, and even apply for loans.

(19)

Greenwood - Mobile Banking

by Greenwood, Incorporated

Digital savings and spending accounts4.15% APY on savingsNo overdraft or monthly fees

This financial app offers savings and spending accounts designed for the Black and Latino communities. It provides early direct deposit, fee-free ATM withdrawals, and opportunities to support community initiatives through account features.

Amhara Bank Mobile Banking

Real-time financial managementTwo-factor authenticationBiometric login

Manage your finances conveniently and securely in real-time. This user-friendly application offers features like two-factor authentication, biometric login, and suspicious activity alerts for enhanced security.

by Kanbawza Bank Limited

Mobile walletSecure transactionsConvenient payments

A mobile wallet app for secure and convenient money transactions in Myanmar. Easily pay bills, transfer funds, and manage cash in/out with just a few taps.

Mobile Banking - İşbank

Instant PIN definitionEnglish language support for transactionsFinancial status overview

This mobile banking application provides a comprehensive suite of features for personal and corporate customers. It allows for quick PIN definition, easy banking transactions with English support, and a clear overview of financial status. Users can also withdraw cash via QR code, apply for loans remotely, and locate nearby branches and ATMs.

free with in-app purchases

(26K)

Navy Federal Credit Union

Our Members are the Mission

Secure account accessMobile check depositBill payments

Manage your finances on the go with this banking app. Easily check accounts, make payments, transfer funds, and deposit checks. Securely access your information with biometric login and find nearby branches or ATMs.

(815K)

Ryt Bank: AI-Powered Bank

Save, Invest, Card & Loans

AI-powered bankingDaily interest on savings (up to 4% p.a.)Instant credit up to RM100,000

Experience a new era of banking with an AI-powered platform designed for speed and simplicity. Manage savings, investments, credit, and payments effortlessly with smart features and robust security. Enjoy daily interest on savings and instant credit approvals.

by Advia Credit Union

Mobile check depositView account balancesView transaction history

Manage your finances on the go with this banking application. Easily deposit checks, view account balances and transaction history, and transfer funds. It also facilitates bill payments and finding nearby branches and ATMs.

Manage your finances with a mobile banking app that offers secure access to your accounts, fund transfers, and bill payments. Track transactions, view statements, and manage cards conveniently from anywhere, anytime.

Account information and transaction historyFund transfers to own and other Meghna Bank accountsInter-bank fund transfers (BEFTN)

(28)

Rewards Checking, Loans, Cards

Upgrade - Mobile Banking

Cash back rewards on card purchasesManage personal loans and credit linesTrack credit score and receive alerts

Manage your finances with a comprehensive mobile banking app. Access rewards checking, loans, and cards. Track balances, pay bills, monitor credit, and request cash advances.