Best Virtual Bank Apps

225+ iOS apps curated and reviewed

4.7 avg rating
20 free apps
Updated June 2026

With an average user rating of 4.7★, the virtual bank category is one of the App Store's strongest. Browse all 225+ apps we track, sorted so the most loved ones surface first.

Top Picks for Virtual Bank

GO2bank: Mobile banking#1

GO2bank: Mobile banking by Green Dot Corporation

Mobile bank that works for you
Editor's Choice
💰 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

This mobile banking app simplifies money management with features like early direct deposit, high-yield savings, and overdraft protection. It offers transparent banking with no hidden fees and tools to build credit. Secure and convenient access to funds nationwide.

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
GreenFi - Mobile Banking#2

GreenFi - Mobile Banking by Mission Financial Partners, LLC

Save, Spend, Invest
Strong Contender
💰 Finance
4.7😞(31K ratings)
FreeAds
GreenFi - Mobile Banking screenshot 1
GreenFi - Mobile Banking screenshot 2
GreenFi - Mobile Banking screenshot 3
GreenFi - Mobile Banking screenshot 4
GreenFi - Mobile Banking screenshot 5
GreenFi - Mobile Banking screenshot 6

Manage your money with a conscience. This app offers checking and savings accounts that do not fund fossil fuels and plant a tree with every purchase. Enjoy early direct deposit, high APY, and fee-free ATM withdrawals.

What We Love

  • 💳 Debit card with cash back
  • 🌳 Environmentally-conscious banking
  • 🔍 Transparency in investments
  • 💰 Competitive interest rates

Room to Improve

  • ⏱️ Slow transaction processing
  • 🤖 Poor customer service
  • 🔒 Account lockouts and verification issues
Inter: Mobile Banking#3

Inter: Mobile Banking by BANCO INTERMEDIUM S/A

Simplify spending & investing
Worth Considering
💰 Finance
4.8😐(21K ratings)
Free
Inter: Mobile Banking screenshot 1
Inter: Mobile Banking screenshot 2
Inter: Mobile Banking screenshot 3
Inter: Mobile Banking screenshot 4
Inter: Mobile Banking screenshot 5
Inter: Mobile Banking screenshot 6

Manage your finances with a comprehensive banking app. Spend, invest in stocks, save with gift cards, and send money globally all from your phone. Access a range of financial services designed for modern lifestyles.

What We Love

  • 👍 Excellent app
  • 🚀 Fast and efficient
  • 🔒 Secure banking
  • 💰 No fees

Room to Improve

  • 🐛 Buggy app with crashes
  • 🤖 Poor customer support
  • 🔒 Overly strict security measures

More Virtual Bank apps to explore

4
Current - Mobile Banking
Current - Mobile Banking
Current - Mobile Banking
Save, spend & get paid faster²
Free

Manage your finances with a mobile banking app that offers early direct deposit, fee-free overdrafts, and credit building tools. Earn cash back on purchases and interest on savings.

Get paid up to 2 days earlyAdvance paycheck up to $750Overdraft fee-free banking
💰 Finance
(195K)
free
5
Revolut: Send, spend and save
Revolut: Send, spend and save
Revolut: Send, spend and save
Change the way you money
Free

Manage your money with a comprehensive financial app. Spend, send, and save across multiple currencies, invest in stocks, and track your spending with smart tools. Offers features for both adults and children's financial education.

Multi-currency spending and transfersVirtual and physical card optionsStock trading with low minimums
💰 Finance
(69K)
free with in-app purchases
6
PNC Mobile Banking
PNC Mobile Banking
PNC Mobile Banking
Digital Banking Solutions
Free

Manage your finances on the go with this mobile banking app. Check balances, transfer funds, deposit checks, pay bills, and send money securely. It also offers tools to track spending, set budgets, and manage savings goals.

Check account balances and transactionsSecure sign-on with biometricsSend money with Zelle®
💰 Finance
(2M)
free
7
OnePay – Mobile Banking
OnePay – Mobile Banking
OnePay – Mobile Banking
Bank. Borrow. Build Credit.
Free

Manage your finances with a mobile banking solution offering early pay, rewards, and high-yield savings. Access a cash rewards credit card, affordable wireless plans, and a credit builder loan. Buy now, pay later options are also available.

Early pay and rewardsHigh-yield savings accountsCash back credit card
💰 Finance
(359K)
free with in-app purchases
8
Till: Kids & Teen Banking
Till: Kids & Teen Banking
Till: Kids & Teen Banking
Debit Card, Saving & Spending
Free

This app helps children and teens develop smart money habits through a banking app and debit card. It offers features like automated allowance, spending tracking, and rewards, fostering financial responsibility. Families can learn, earn, and grow their financial literacy together.

Debit card for kidsAutomated allowance paymentsSpending and saving tracking
💰 Finance
(9.7K)
free with in-app purchases
9
BankUnited
BankUnited
BankUnited
by BankUnited, Inc
Free

Manage your personal finances securely and conveniently on the go. This app offers features like mobile check deposit, bill pay, and money transfers. Stay connected with your accounts and communicate with bank representatives directly through the app.

Mobile check depositTouch ID/Face ID loginBill payment
💰 Finance
(1.9K)
free
10
Starling - Mobile Banking
Starling - Mobile Banking
Starling - Mobile Banking
Good with money.
Free

Manage personal, business, and joint finances with a seamless mobile banking experience. Enjoy fee-free international transactions, advanced budgeting tools, and secure, human support. It offers features for individuals, families, and businesses, making banking simple and satisfying.

Fee-free overseas spending and ATM withdrawalsVirtual 'Spaces' for saving and budgetingReal-time payment notifications and spending insights
💰 Finance
(2.7K)
free
11
N26 — Love your bank
N26 — Love your bank
N26 — Love your bank
Bank, save, and invest
Free

Manage your banking, savings, and investments all in one app. Open an account in minutes, send money instantly, and grow your savings with flexible options. Invest in stocks and ETFs commission-free.

Online bank account openingInstant money transfersSavings accounts with interest
💰 Finance
(12K)
free with in-app purchases
12
PayPal - Pay, Send, Save
PayPal - Pay, Send, Save
PayPal - Pay, Send, Save
Savings, cash back, pay later
Free

Manage your finances with a secure app for online and in-store shopping, sending money globally, and earning cash back. It also offers savings accounts, cryptocurrency trading, and package tracking.

Send and receive money globallyEarn cash back offersRequest a debit card
💰 Finance
(6.3M)
free with in-app purchases
13
Nu
Nu
Nu
by NU PAGAMENTOS S/A INSTITUICAO DE PAGAMENTO
Free

This app provides a comprehensive digital financial services platform, aiming to simplify banking and empower users. It offers a transparent and hassle-free experience for managing your complete financial journey, including accounts, credit, investments, and more, with human support available 24/7.

Digital financial services platformCredit card managementLoans and investments
💰 Finance
(23K)
free with in-app purchases
14
Tower Virtual Bank
Tower Virtual Bank
Tower Virtual Bank
by General Bancshares, Inc.
Free

Access a comprehensive range of banking services conveniently through video or chat. Connect with a banker to discuss accounts, loans, mortgages, and more, anytime and anywhere.

Video bankingChat supportDeposit accounts
💰 Finance
(1)
free
15
BO2
BO2
BO2
Digital Banking by Byblos Bank
Free

This digital banking app allows for quick account creation and instant virtual card issuance. It facilitates easy money transfers, physical card ordering, and cardless ATM transactions using vouchers. Enjoy 24/7 access to your finances and manage your accounts seamlessly.

Quick account creationInstant virtual card issuancePeer-to-peer money transfers
💰 Finance
(5)
free
16
UnionBank Online
UnionBank Online
UnionBank Online
Secure, Easy & Smart
Free

Manage your finances conveniently from your mobile device. Open accounts, deposit checks, transfer funds, and pay bills with ease. Securely monitor your accounts, cards, and loans with advanced features like biometrics and OTP.

Open accounts in-appDeposit checks 24/7Manage accounts and cards
💰 Finance
(3.5K)
free with in-app purchases
17
Family Trust Digital Banking
Family Trust Digital Banking
Family Trust Digital Banking
by Family Trust FCU
Free

Manage your finances on the go with this mobile banking application. Transfer funds, make loan payments, deposit checks, and locate ATMs and branches easily. Securely access your accounts using your existing online banking credentials.

Transfer money between accountsMake loan paymentsDeposit checks
💰 Finance
(16K)
free with in-app purchases
18
Maya – savings, loans, cards
Maya – savings, loans, cards
Maya – savings, loans, cards
BSP-licensed banking and more
Free

This app offers digital banking services including high-interest savings accounts, personal loans, credit cards with rewards, and investment options in cryptocurrency and funds. Users can also pay bills, shop online, and send money globally.

High-interest savings accountsPersonal loans up to P250,000Credit cards with rewards
💰 Finance
(3.8K)
free with in-app purchases
19
Vio Bank Mobile
Vio Bank Mobile
Vio Bank Mobile
by Digital Development LLC
Free

Manage your finances conveniently from your mobile device. Check balances, view statements, transfer funds between accounts, and deposit checks remotely. Access your financial documents securely anytime, anywhere.

Check account balancesView recent transactionsTransfer funds between accounts
💰 Finance
(4.3K)
free
20
CIB Overseas Virtual Banking
CIB Overseas Virtual Banking
CIB Overseas Virtual Banking
by Commercial International Bank (Egypt) S.A.E.
Free

Connect with dedicated client advisors for free video and voice calls. This app enhances banking customer service for non-resident CIB Overseas customers with a secure and personalized communication solution.

Free video callsFree voice callsDedicated client advisors
💰 Finance
(6)
free

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