Mobile Banking Apps in India

Published research

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Every profile keeps its bank relationship, conditions, cautions, verification date and first-party evidence separate.

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11of 11 profiles shown

AU Small Finance BankDigital banking service

AU Small Finance Bank Digital Banking — AU 0101 App & NetBanking

AU Small Finance Bank's combined AU 0101 app and NetBanking profile, with mandatory mobile device binding, full-versus-view registration states, shared ₹10 lakh rail limits and a clearly published three-hour new-payee restriction.

First-party checked6 bank sourcesReviewed September 10, 2026

Balance ruleRequires an eligible AU relationship. Registration can provide view-only access when full card authentication is skipped; digital access does not waive the balance rules of the linked account.

Best fitAU customers who want unusually explicit shared App/NetBanking transfer limits, detailed card controls and a clear distinction between view-only and full transaction access.

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Axis BankDigital banking service

Axis Bank Digital Banking — open & Internet Banking

Axis Bank's combined retail digital-banking profile covering the open mobile app and Internet Banking, including SIM/device binding, NETSECURE/OTP controls, configurable transfer limits and a 2026 Safety Centre.

First-party checked4 bank sourcesReviewed September 10, 2026

Balance ruleRequires an eligible Axis Bank relationship; digital access does not change the balance or relationship conditions of the underlying account/programme.

Best fitAxis customers who want broad mobile service controls plus high configurable transfer limits and are comfortable with temporary security reductions after device/profile changes.

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Bank of BarodaDigital banking service

Bank of Baroda Digital Banking — bob World & Internet Banking

Bank of Baroda's combined retail digital-banking profile covering bob World mobile banking and bob World Internet Banking, with multi-channel registration, explicit beneficiary cooling and separate channel-specific transfer limits.

First-party checked3 bank sourcesReviewed September 10, 2026

Balance ruleRequires an eligible Bank of Baroda account/relationship. Mobile banking eligibility depends on account mode and registration route; digital access does not waive underlying balance requirements.

Best fitBank of Baroda customers who want a broad app and browser channel and value clearly published per-rail transfer limits and beneficiary waiting periods.

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Federal BankDigital banking service

Federal Bank Digital Banking — FedMobile & FedNet

Federal Bank's combined retail digital-banking profile covering FedMobile and FedNet, with online/offline FedNet registration, customer-configurable transaction limits, statements, beneficiary transfers and cross-channel card controls.

First-party checked5 bank sourcesReviewed September 10, 2026

Balance ruleEligible Federal Bank relationships can be linked to FedNet/FedMobile; channel access does not waive minimum-balance or deposit requirements of the underlying account.

Best fitFederal Bank customers who want a mature app/browser pair and value explicit self-service limit management while accepting that exact daily ceilings are profile-specific rather than one universal number.

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HDFC BankDigital banking service

HDFC Bank Digital Banking — App & NetBanking

HDFC Bank's combined retail digital-banking profile covering the HDFC Bank App and NetBanking, including mandatory mobile SIM binding, configurable transfer limits, payee cooling and card/service controls.

First-party checked5 bank sourcesReviewed September 10, 2026

Balance ruleRequires an eligible HDFC Bank relationship and registered contact credentials; digital access does not alter the underlying account's AMB/AQB or card charges.

Best fitHDFC Bank customers who want deep account/card controls across both app and browser and can work within device-registration and payee-security cooling rules.

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ICICI BankDigital banking service

ICICI Bank Digital Banking — iMobile & Net Banking

ICICI Bank's combined retail digital-banking profile covering iMobile and Net Banking, with registered-mobile activation, configurable transaction limits, fund transfers, card controls and broad account/service management.

First-party checked5 bank sourcesReviewed September 10, 2026

Balance ruleRequires the relevant ICICI Bank account/card relationship and registered credentials; channel access does not change product-level balance requirements.

Best fitICICI customers who want a feature-rich mobile app plus browser banking, especially users who actively manage transfers, cards, deposits and service requests digitally.

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IDFC FIRST BankDigital banking service

IDFC FIRST Bank Digital Banking — Mobile App & Internet Banking

IDFC FIRST Bank's combined digital-banking profile covering its Mobile Banking app and Internet Banking, with shared username onboarding, MPIN/fingerprint access, customer-managed limits and unusually explicit Internet Banking beneficiary controls.

First-party checked4 bank sourcesReviewed September 10, 2026

Balance ruleRequires an eligible IDFC FIRST Bank relationship and registered mobile/customer credentials; digital access does not replace the underlying account's product conditions.

Best fitIDFC FIRST customers who value clearly published Internet Banking transfer/cooling rules and want mobile access to cards, statements, deposits and security settings.

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IndusInd BankDigital banking service

IndusInd Bank Digital Banking — Mobile App & IndusNet

IndusInd Bank's combined digital-banking profile covering its upgraded mobile banking experience and IndusNet, with modern mobile onboarding, configurable fund-transfer limits, beneficiary controls, cross-channel card management and an explicit first-party limit conflict.

First-party checked5 bank sourcesReviewed September 10, 2026

Balance ruleRequires an eligible IndusInd Bank relationship for banking functions; digital access does not alter the underlying account/card balance or fee conditions.

Best fitIndusInd customers who want extensive card and transfer controls and benefit from seeing conflicting first-party new-registration limit disclosures instead of having one silently chosen.

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Kotak Mahindra BankDigital banking service

Kotak Mahindra Bank Digital Banking — Mobile Banking & Net Banking

Kotak Mahindra Bank's combined retail digital-banking profile covering its Mobile Banking app and Net Banking, with CRN/card-based activation, beneficiary-level controls, card service requests and online password recovery.

First-party checked6 bank sourcesReviewed September 10, 2026

Balance ruleRequires an eligible Kotak banking/card relationship and registered credentials. Digital access does not change the balance or relationship requirements of the underlying product.

Best fitKotak customers who want both app and browser access and prefer beneficiary-level transaction controls without assuming that one headline transfer ceiling applies to every rail.

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State Bank of IndiaDigital banking service

SBI Digital Banking — YONO SBI & OnlineSBI

State Bank of India's combined retail digital-banking profile covering YONO SBI on mobile and OnlineSBI on the web, with separate registration routes, beneficiary controls and service capabilities.

First-party checked4 bank sourcesReviewed September 10, 2026

Balance ruleRequires an eligible SBI banking relationship. Digital access does not replace the balance, KYC or operating rules of the underlying account.

Best fitExisting SBI retail customers who want both app and browser access and are willing to keep registered-mobile, device and beneficiary-security controls in mind.

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YES BANKDigital banking service

YES BANK Digital Banking — IRIS & YES ONLINE

YES BANK's combined retail digital-banking profile covering IRIS mobile banking and YES ONLINE, with multiple onboarding credentials, SIM/device binding, card controls, transfer-limit management and separate recovery routes.

First-party checked6 bank sourcesReviewed September 10, 2026

Balance ruleRequires the relevant YES BANK account/card/loan relationship and registered credentials for full banking access; IRIS can expose limited functionality without a bank-registered mobile number.

Best fitYES BANK customers who want broad mobile features plus browser banking and prefer multiple registration options such as debit card, credit card, Aadhaar/loan credentials or existing digital credentials.

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How to compare

Check the terms that can change the decision.

Category membership alone does not make products interchangeable. Recheck the bank's current controlling agreement, tariff or effective-rate table before acting.

Device and SIM binding

Check whether the registered SIM must be inside the handset, whether device binding is mandatory and what happens after reinstall, re-registration or phone change.

App limit is channel-specific

Do not reuse the mobile app’s daily cap for Internet Banking, UPI or every transfer rail. The engine stores the scope attached to the bank source.

New-device controls

Some banks sharply reduce transfer limits after app registration or device change. The duration and amount can itself be source-conflicted, so live terms control.

Real card controls

Compare whether the app can block/replace cards, change ATM/POS/e-commerce limits, toggle international/contactless usage and reset PINs.

Recovery route

A useful app needs a documented path for forgotten PINs, lost phones, deregistration and access blocking—not only a feature list.

Mobile-channel matrix

The app name is only the start — registration, limits and controls differ.

Figures are bank/channel specific. A mobile limit is not silently reused for Internet Banking, and a rail-specific cap is not presented as a universal transfer ceiling.

Research matrix: Bank service; Mobile / registration; Transfer / beneficiary control
Bank service	Mobile / registration	Transfer / beneficiary control
AU Small Finance Bank Digital Banking — AU 0101 App & NetBanking	AU 0101 App with registered-SIM SMS device binding, 4-digit MPIN and optional fingerprint/Face ID; card verification unlocks full transaction access. App: bind the registered SIM/device by SMS, select Customer ID, set MPIN and verify debit/credit card for full access. NetBanking: enter Customer ID, register via debit/credit card for full access or account number for view-only, verify OTP, then set password/security question/username.	App & NetBanking daily limits: IMPS ₹10 lakh, NEFT ₹10 lakh, RTGS ₹10 lakh, intra-bank ₹10 lakh, payment gateway ₹10 lakh and bill payment ₹10 lakh; UPI ₹1 lakh and one-time transfer ₹50,000. Transfers to a newly added payee are restricted to ₹50,000 for the first 3 hours after addition, after which the configured/default limits apply.
Axis Bank Digital Banking — open & Internet Banking	open by Axis Bank; SIM/device verification, OTP/card authentication, mPIN and optional biometric login. open: verify SIM/device then authenticate via OTP or eligible debit/credit/forex card and set mPIN. Internet Banking: Customer ID or registered mobile plus Debit Card/OTP/Email/KYC route.	open lists up to ₹20 lakh/day retail and ₹30 lakh/day Burgundy after applicable registration periods; Internet Banking permits customer limit management subject to bank/security controls. Internet Banking states a 30-minute wait after new beneficiary activation. Additional temporary security limits can apply after first transaction/profile/security changes.
Bank of Baroda Digital Banking — bob World & Internet Banking	bob World mobile banking with debit-card self-registration on supported Android, Internet Banking/ATM/branch registration alternatives, login PIN and transaction PIN. Mobile: debit card, existing Internet Banking, ATM or branch depending on customer/device/account mode. Internet: active debit-card self-registration is available; branch form remains an alternative.	bob World publishes separate third-party, IMPS, NEFT and RTGS limits. Current retail Internet Banking table lists ₹10 lakh per SHIPT/NEFT/RTGS transaction and ₹25 lakh daily; IMPS is ₹5 lakh per transaction/day. Current bob World FAQs state four-hour cooling for newly added IMPS/NEFT beneficiaries and 24-hour cooling for RTGS beneficiaries.
Federal Bank Digital Banking — FedMobile & FedNet	FedMobile retail mobile banking using the bank-registered mobile relationship, MPIN/security controls and Federal Bank authentication. FedNet can be registered online from Federal Bank's registration route or offline by submitting the FedNet form at the branch. FedMobile requires the registered mobile/account relationship; the bank's terms use MPIN/mobile-number authentication.	FedNet supports third-party/interbank transfers and customer limit management; Quick Transfer to Federal Bank accounts is ≤₹25,000. FedMobile supports money transfers, but a single shared retail daily ceiling is not inferred from the reviewed pages. FedNet supports registered payees and Quick Transfer; customer transaction-limit schemes can be viewed/changed. The reviewed current material does not support a single universal beneficiary-cooling number, so none is added.
HDFC Bank Digital Banking — App & NetBanking	HDFC Bank App with mandatory registered-mobile SIM binding, mPIN/biometric login and device-security controls. App registration requires the active bank-registered SIM. NetBanking can be registered online using Customer ID, OTP and eligible debit-card details; phone banking, ATM and branch alternatives are documented.	Third Party Transfer limit can be customized up to ₹50 lakh for eligible customers; one-time transfer in the app supports up to ₹10,000/day without adding a payee. A new payee has a 30-minute activation/cooling period. HDFC separately documents staged TPT-registration limits and first-72-hour app controls on newly registered/re-registered iOS devices.
ICICI Bank Digital Banking — iMobile & Net Banking	ICICI Bank iMobile app on Android/iOS with registered-mobile verification and PIN/biometric login. iMobile: verify the registered mobile number/OTP and set login PIN; bank material also documents one-time debit-card/grid authentication. Net Banking uses ICICI credentials and supports online profile/security management.	IMPS Account+IFSC is currently listed at ₹5 lakh maximum per transaction and ₹20 lakh daily through both iMobile and Net Banking; NEFT/RTGS and UPI use their own controls. Payees can be added/managed digitally; the reviewed current sources do not support one universal beneficiary-cooling figure across every ICICI transfer rail, so none is inferred.
IDFC FIRST Bank Digital Banking — Mobile App & Internet Banking	IDFC FIRST Bank Mobile Banking app with shared username/password onboarding plus optional 4-digit MPIN and fingerprint login. Open the Mobile App or Internet Banking, choose Create Username, enter Customer ID and registered mobile number, authenticate using account or debit-card details, validate OTP, then create username/password. Mobile MPIN setup uses username/password plus OTP.	Internet Banking: overall transfers/payments ₹20 lakh or lower self-set limit; NEFT max ₹20 lakh, RTGS ₹2 lakh–₹20 lakh, IMPS max ₹2 lakh per transaction within ₹20 lakh overall. Mobile supports funds transfer and overall limit management, but this Internet table is not relabeled as a mobile limit. Internet Banking allows at most 5 beneficiary additions in 24 hours, imposes a 30-minute no-transfer cooling period, then limits transfers to a new beneficiary to ₹2 lakh during the first 24 hours.
IndusInd Bank Digital Banking — Mobile App & IndusNet	IndusInd Bank upgraded mobile banking app, with registered-mobile OTP, PAN, Aadhaar/debit-card authentication options and MPIN/biometric setup. Mobile: verify registered mobile by OTP, provide PAN, authenticate through available Aadhaar/debit-card route and set MPIN/biometric. IndusNet supports bank Internet Banking registration/credentials and mobile-app-assisted login.	Upgraded mobile material states up to ₹10 lakh cumulative per day for fund transfers, with customer-set limits; limit increases require OTP and have a 4-hour cooling period while the old limit remains. Rail-specific limits can still vary. Up to 3 beneficiaries/day for Savings Accounts and 5/day for Current Accounts can be added using IndusNet or mobile. New-user/device temporary transfer-limit disclosures conflict across current first-party pages and are exposed rather than normalized.
Kotak Mahindra Bank Digital Banking — Mobile Banking & Net Banking	Kotak Mobile Banking app using CRN, card/Net-Banking authentication, 6-digit MPIN and registered-mobile activation. Mobile: enter CRN, authenticate with debit/credit-card details or Net Banking password, set MPIN and confirm the activation code sent to the registered mobile. Net Banking: enter CRN/username/card number, generate/enter password, verify registered-mobile OTP and supported card credentials.	Fund transfers and payments are supported across the app and Net Banking. Beneficiary transaction limits can be edited, but no single current retail ceiling is generalized across NEFT/RTGS/IMPS and customer states. The mobile app lets customers edit/delete beneficiaries, change beneficiary transaction limits and enable/disable transfer modes. A universal cooling-period figure is not asserted from the reviewed current retail material.
SBI Digital Banking — YONO SBI & OnlineSBI	YONO SBI mobile app; registered-mobile/SIM-based registration with existing SBI credentials or supported self-assist routes. OnlineSBI supports user-driven registration and debit-card self-activation for eligible customers; otherwise branch activation is available. YONO registration uses the bank-registered mobile/SIM and supported SBI credentials.	Own-account, SBI third-party and interbank transfers are supported; YONO also provides YONO Pay/Quick Transfer and UPI under separate limits. SBI states that transfer to a newly added beneficiary is allowed after a cooling period of up to 4 hours; transfers remain within user/bank-defined limits.
YES BANK Digital Banking — IRIS & YES ONLINE	IRIS by YES BANK with registered-mobile/SIM-device binding, 6-digit MPIN for financial transactions and optional biometric login. YES ONLINE can register with debit-card, credit-card or loan credentials; no-debit-card customers have branch registration fallback. IRIS can register with debit card, credit card, Aadhaar, loan-account or YES ONLINE credentials; full services require the bank-registered mobile number.	Both channels support internal/interbank transfers. YES BANK exposes transaction-limit controls, but exact limits remain service/rail/customer specific in the reviewed current pages rather than one universal figure. Beneficiaries/transfers can be managed digitally; current first-party pages reviewed do not establish one universal cooling-period value across YES BANK transfer routes.

Maintained comparisons

Head-to-head research where the trade-off is meaningful.

Pairs are curated rather than generated automatically. Each product retains its own conditions, dates and evidence.

State Bank of IndiaSBI Digital Banking — YONO SBI & OnlineSBIHDFC BankHDFC Bank Digital Banking — App & NetBankingOpen comparison

Latest recorded review September 10, 2026Maintained pair Source-backed

Decision checks