It seems like for just about everything we do, there’s an app for it. Messaging, social media, gaming and more — you name it, and you’re probably using an app. However, when it comes to tasks like mobile banking and personal finance management especially, mobile app usage today is on the rise.
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Chase Bank’s 2024 Digital Banking Attitudes Survey indicated nearly two-thirds (62%) of consumers said they can’t live without their mobile banking app, and nearly four-fifths (78%) are using it weekly.
The best mobile banking apps offer more than just money management. Many people (especially younger generations) are using mobile banking apps for budgeting and saving tools, credit monitoring and more.
Here are some of the best mobile banking apps available to consumers today, as well as some of the perks they offer, according to CNET and PCMag:
The Rocket Money app has become one of the more notable personal finance apps on the market. With it, you can manage your money, track spending, lower your bills and cancel unwanted subscriptions that you may have forgotten about.
Subscription options include:
Key app features to note:
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Budgeting tools
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Track financial goals
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Useful charts and tables to track your finances
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Credit score monitoring
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Finds and cancels unwanted or unused subscriptions
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Credit report tracking
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Net worth tracking
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Bill negotiation (additional costs apply)
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Designed to inform you about where your money is going, PocketGuard allows you to then take control of your finances. Touted as an “all-in-one” money management platform, the app’s features can help you achieve your financial goals and manage your money more efficiently.
Subscription options include:
Key app features to note:
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Budgeting tools
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Net worth tracking
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Financial goal setting
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Find and cancel unwanted or unused subscriptions
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Create a debt payoff plan
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Bill negotiation (additional costs apply)
The mission of YNAB is to “build a better blueprint for spending and saving.” The app employs a simple method: give every dollar a job. Essentially, you’ll assign each dollar to a particular expense category based on due dates and level of importance. These categories can be modified along the way as your needs and priorities shift.
