Top 3 Banking Apps in India – January 2025 (by Average App Store Ratings)
When it comes to managing money on the go, mobile banking apps have become essential for millions of users in India. From instant fund transfers to investment tracking, the quality of a banking app can make or break the customer experience.
At Decodeapps, we’ve ranked the top banking apps in India for January 2025, based on their average ratings on the App Store (iOS) and Google Play (Android). Let’s explore which banks are leading the way—and why users love them.
Android: Top 3 Banking Apps in India (January 2025)
Out of 18 Android banking apps reviewed, these three stood out with the highest ratings:
1. IDFC FIRST Bank Mobile Banking – ⭐ 4.83
- All-in-one dashboard: View account balances, credit card details, loans, and investments at a glance.
- Zero-lag performance: Users praise its speed and smooth navigation.
- Customizable UPI features: Set your favorite transactions and pay contacts instantly.
- Personal finance tools: Track your spends and savings effortlessly.
💡 Fun fact: The iOS version is just as loved, with a 4.81 rating.
2. Axis Mobile: Pay, Invest & Recharge – ⭐ 4.66
- 3-in-1 functionality: Bank, invest, and recharge—without switching apps.
- Instant FD booking and loan tracking.
- Card control tools: Temporarily block/unblock cards or set international limits.
- Wealth management access: Get investment recommendations and portfolio insights.
3. iMobile Pay by ICICI Bank – ⭐ 4.56
- Universal UPI: Use iMobile even without an ICICI account.
- Smart Bill Pay: Automates recurring bills and reminds you when payments are due.
- Loans marketplace: Apply for personal or car loans within the app.
- Voice-enabled banking: Use voice commands to check balances and transact.
iOS: Top 3 Banking Apps in India (January 2025)
Out of 19 iOS apps, here’s who made the cut:
1. HSBC India – ⭐ 4.81
- International money transfers with transparent forex rates.
- Multi-currency support for expats and travelers.
- AI-powered security alerts to detect unusual activity.
- Clean, no-nonsense design praised by iPhone users.
2. IDFC FIRST Bank – ⭐ 4.81
Tied in rating with HSBC, the IDFC app proves its cross-platform strength. Its uniform UX on iOS and Android is a rare win in Indian banking apps.
3. Kotak Mobile Banking – ⭐ 4.80
- Dynamic home screen that adapts to your most-used features.
- Personalized offers on credit/debit cards.
- Investments hub: Buy mutual funds, track SIPs, and manage your portfolio.
Users also appreciate the frequent updates and bug-free performance.
💡 Final Thoughts
With India’s fintech scene growing rapidly, mobile banking apps are becoming more powerful, secure, and user-friendly. Whether you’re an Android or iOS user, these top-rated apps are setting the standard in 2025.
From IDFC FIRST’s performance to HSBC’s international reach, these apps offer a glimpse into the future of smart, mobile-first banking.
List of Mobile applications in this benchmark
Only first 100 apps are listed, we can benchmark exactly what you want
