Best Free Online Banking Apps

249+ iOS apps curated and reviewed

4.8 avg rating
20 free apps
Updated June 2026

With an average user rating of 4.8★, the free online banking category is one of the App Store's strongest. Browse all 249+ apps we track, sorted so the most loved ones surface first.

Top Picks for Free Online Banking

Current - Mobile Banking#1

Current - Mobile Banking by Finco Services, Inc.

Save, spend & get paid faster²
Editor's Choice
💰 Finance
4.8😐(194K ratings)
Free
#35in Finance
Current - Mobile Banking screenshot 1
Current - Mobile Banking screenshot 2
Current - Mobile Banking screenshot 3
Current - Mobile Banking screenshot 4
Current - Mobile Banking screenshot 5
Current - Mobile Banking screenshot 6

A cutting-edge banking application revolutionizing financial management. Seamlessly integrating savings and spending tools for a futuristic banking experience. Join now for a glimpse into the future of banking.

What We Love

  • 🚀 Early paycheck deposits
  • 💳 Unique and stylish debit card design
  • 💰 Competitive savings interest rates
  • 🔒 Secure banking experience

Room to Improve

  • 🕰️ Slow mobile check deposit process
  • 🤖 Inconsistent and impersonal customer service
  • 🔍 Difficulty resolving disputes and fraudulent charges
Varo Bank: Online Banking#2

Varo Bank: Online Banking by Varo Money, Inc.

Early Payday & Cash Advances
Strong Contender
💰 Finance
4.9😞(233K ratings)
Free
#73in Finance
Varo Bank: Online Banking screenshot 1
Varo Bank: Online Banking screenshot 2
Varo Bank: Online Banking screenshot 3
Varo Bank: Online Banking screenshot 4
Varo Bank: Online Banking screenshot 5
Varo Bank: Online Banking screenshot 6

Access a comprehensive mobile banking app that helps you manage your finances, build credit, and track your spending easily. Take control of your financial future with just a few taps - download now!

What We Love

  • 💳 Great credit building card
  • 🚀 Fast and efficient banking
  • 🔒 Secure credit and debit cards
  • 💰 Competitive interest rates

Room to Improve

  • 🕰️ Slow mobile check deposits
  • 🤖 Ineffective customer service
  • 🔒 Difficulty accessing accounts during maintenance
GO2bank: Mobile banking#3

GO2bank: Mobile banking by Green Dot Corporation

Mobile bank that works for you
Worth Considering
💰 Finance
4.8😞(57K ratings)
Free
GO2bank: Mobile banking screenshot 1
GO2bank: Mobile banking screenshot 2
GO2bank: Mobile banking screenshot 3
GO2bank: Mobile banking screenshot 4
GO2bank: Mobile banking screenshot 5
GO2bank: Mobile banking screenshot 6

An all-in-one mobile banking app with no hidden fees, early paydays, credit building options, account protection features, and more. Download now for easy access to your finances. Visit the app's website to learn more.

What We Love

  • 🚀 Prompt direct deposit
  • 👍 Convenient mobile banking
  • 💡 Useful savings features
  • 🔒 Secure transactions

Room to Improve

  • 🐛 Unreliable app functionality
  • 👎 Poor customer service
  • 🤖 Automated/scripted responses

More Free Online Banking apps to explore

4
Citi Mobile®
Citi Mobile®
Citi Mobile®
A Banking App Designed for You
Free

A comprehensive banking app allowing users to easily manage their accounts, make payments, deposit checks, track spending with insights, manage bills, view credit scores, and access account alerts. Features include account aggregation, card replacement, ATM locator, payment scheduling, and enhanced security measures like Quick Lock and biometric access. Explore more at the provided privacy notice links for a trusted and convenient banking experience.

💰 Finance
(3.9M)
5
PNC Mobile Banking
PNC Mobile Banking
PNC Mobile Banking
Digital Banking Solutions
Free

Manage your finances on the go with our digital banking solution. Check balances, transfer funds, pay bills, and stay in control of your money anytime, anywhere. Experience convenient banking at your fingertips – download now!

💰 Finance
(2M)
6
OnePay – Mobile Banking
OnePay – Mobile Banking
OnePay – Mobile Banking
Bank. Borrow. Build Credit.
Free

A mobile banking app that allows you to easily manage your finances, pay bills, and access banking services on the go. Take control of your money with secure transactions and account management. Download now for seamless banking experience.

💰 Finance
(348K)
7
GreenFi - Mobile Banking
GreenFi - Mobile Banking
GreenFi - Mobile Banking
Save, Spend, Invest
Free

An innovative app for managing your finances responsibly, Aspiration lets you spend, save, and invest while supporting sustainable causes. Join now to start saving money and saving the planet.

💰 Finance
(31K)
8
Chime® – Mobile Banking
Chime® – Mobile Banking
Chime® – Mobile Banking
Save, Spend, Build Credit
Free

A banking app that offers security features, fee-free overdraft up to $200, early direct deposit, no monthly fees, and the ability to build credit through on-time payments. Trusted by millions, Chime also allows easy money transfers with no fees. Discover a new way to manage your finances and build credit.

💰 Finance
(1.5M)
9
Ally: Bank, Auto & Invest
Ally: Bank, Auto & Invest
Ally: Bank, Auto & Invest
The app for all things money
Free

A comprehensive financial app that combines banking and automotive services, offering an all-in-one solution for managing finances and car-related needs. Simplify your financial life and streamline car-related tasks in one convenient app.

💰 Finance
(109K)
10
Greenwood - Mobile Banking
Greenwood - Mobile Banking
Greenwood - Mobile Banking
by Greenwood, Incorporated
Free

A financial technology app that caters to the Black and Latino communities, offering digital savings and spending accounts with no fees, early direct deposit, and a focus on community involvement and support. Join to save money, help the community, and enjoy convenient contactless services like Apple Pay and fee-free ATM withdrawals worldwide.

💰 Finance
(7.3K)
11
N26 — Love your bank
N26 — Love your bank
N26 — Love your bank
Bank, save, and invest
Free

Bank, save, and invest all in one app with a beautifully simple interface. Open an online bank account in minutes, access a range of features like instant transfers and international money transfers, and manage your finances with ease. Opt for premium accounts for added perks and security features.

💰 Finance
(12K)
12
Dave: Credit, Cash & Money App
Dave: Credit, Cash & Money App
Dave: Credit, Cash & Money App
Better Than A Cash Advance
Free

Get up to $500 in just 5 minutes with our quick cash advance app. Instantly access funds with a simple application process.

💰 Finance
(843K)
13
Porte: Mobile Banking
Porte: Mobile Banking
Porte: Mobile Banking
Get Paid Faster, Save, Earn
Free

This mobile banking application allows users to avoid monthly fees with qualifying direct deposits, get paid early, contribute to charity with purchases, access fee-free ATMs, and enjoy in-person services at select locations.

💰 Finance
(14K)
14
U.S. Bank Mobile Banking
U.S. Bank Mobile Banking
U.S. Bank Mobile Banking
Personal Finance and Invest
Free

Access your finances securely from anywhere with this mobile banking app. Monitor your accounts, receive alerts for suspicious activities, and manage your cards all in one place. Experience convenience and peace of mind at your fingertips.

💰 Finance
(2M)
15
Venmo
Venmo
Venmo
Send Money, Split Expenses
Free

Easily send and receive money from friends and family with this convenient mobile app. Split bills, pay for purchases, and manage your finances on-the-go. Download now to simplify your financial transactions.

💰 Finance
(15M)
16
SoFi: Bank, Invest & Crypto
SoFi: Bank, Invest & Crypto
SoFi: Bank, Invest & Crypto
Online Banking & Investing
Free

This application is a comprehensive platform for banking, investing, and financial management. Users can earn high interest rates on savings, invest in stocks and ETFs, access financial planning tools, and enjoy various perks like cash back rewards and cell phone insurance.

💰 Finance
(386K)
17
PayPal - Send, Manage, Pay
PayPal - Send, Manage, Pay
PayPal - Send, Manage, Pay
Savings, cash back, pay later
Free

An all-in-one app for sending money, managing your account, earning cash back, and growing your savings with high-yield options. Easily send money for free, get cash back on purchases, and manage your finances all in one place. Check it out now for a simple and secure way to stay on top of your financial transactions!

💰 Finance
(190K)
18
MAJORITY: Mobile banking
MAJORITY: Mobile banking
MAJORITY: Mobile banking
Get a debit card without SSN
Free

"Bank easily in the US with MAJORITY mobile banking for migrants. Open a checking account without an SSN, get a free Visa Debit Card, enjoy cashback, international money transfers, free calling, and more for just $5.99/month. Join today for a free 30-day trial!"

💰 Finance
(77K)
19
Discover Mobile
Discover Mobile
Discover Mobile
Banking and Finance
Free

Manage your credit card and bank accounts easily with this mobile app. Check balances, make payments, redeem rewards, and more on the go. Contact us at mobappqs@service.discovercard.com for any queries.

💰 Finance
(5.1M)
20
Step: All-In-One Money App
Step: All-In-One Money App
Step: All-In-One Money App
Build, Spend, Save, and Borrow
Free

A financial management app that offers comprehensive tools for budgeting, expense tracking, goal setting, and saving towards financial targets. Users can easily manage their finances, set priorities, and stay on top of their financial health. Try it now for better control over your money.

💰 Finance
(81K)