Best mobile banking app: what to compare
Updated
In short (16 October 2026): App store ratings are now included: Highest App Store ratings: Revolut 4.8, N26 4.7, bunq 4.7 and Wise 4.7; Google Play: Revolut 4.8, Wise 4.8, Säästöpankki 4.5 and bunq 4.5. Only banks with at least 20 ratings are included. In customer satisfaction (EPSI, 2026) the leaders are S-Bank 82, Ålandsbanken 81.4 and Säästöpankki 77.3.
Contents
To find the best mobile bank, compare customer satisfaction, how smooth account opening is and what services the app has. Pankkitutka does not measure app features itself, so the table is based on public satisfaction surveys and account opening terms. Public ratings from the app stores and Trustpilot are in the guide bank ratings.
| Bank | EPSI score | Year | Online account opening |
|---|---|---|---|
| S-Bank | 82 | 2026 | Yes |
| Ålandsbanken | 81.4 | 2026 | No |
| Säästöpankki | 77.3 | 2026 | No |
| Aktia | 75.4 | 2026 | No |
| OP | 73 | 2026 | Yes |
| Nordea | 71.7 | 2026 | Yes |
| Oma Säästöpankki | 71.4 | 2026 | No |
| Danske Bank | 69.4 | 2026 | Yes |
| POP Bank | 68 | 2026 | No |
| bunq | not available | not available | not available |
| N26 | not available | not available | not available |
| Revolut | not available | not available | not available |
| Wise | not available | not available | not available |
What matters in a mobile bank?
- A clear interface and fast identification.
- Mobile payments and card management.
- The option to open an account and order a card online.
- Good security, such as card locking and notifications.
What do digital banks bring?
| Bank | Deposit guarantee | Without a Finnish personal ID | Currency conversion markup |
|---|---|---|---|
| Revolut | Lithuanian deposit guarantee, €100,000 per depositor; service provider Revolut Bank UAB | not available | 0.00%* |
| N26 | German deposit guarantee, €100,000 per depositor; N26 holds a German BaFin banking licence | not available | 0.00% |
| bunq | Dutch deposit guarantee, €100,000 per depositor; bunq B.V. is a bank registered with the Dutch central bank | not available | 0.50%* |
| Wise | No deposit guarantee: Wise Europe SA is a payment institution licensed in Belgium that protects customer funds by keeping them separate (safeguarding) | not available | not available |
The customer satisfaction column is based on the EPSI Rating survey, which does not include digital banks.
Is it worth using more than one bank?
For many people a combination works: a main bank for everyday use and a digital bank for travel or special needs. Compare digital banks separately.
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Frequently asked questions
Which is the best mobile banking app in Finland?
In October 2026, Pankkitutka does not name a single best mobile bank and does not measure the usability of an app itself. The data-based measures are the public app store ratings and EPSI Rating Finland customer satisfaction (2026). In October 2026, the highest App Store ratings are Revolut 4.8, N26 4.7, bunq 4.7 and Wise 4.7 and the highest Google Play ratings Revolut 4.8, Wise 4.8, Säästöpankki 4.5 and bunq 4.5. Only banks with at least 20 ratings are included. Google Play figures cover all countries combined. A rating describes the app, not the bank's prices or service as a whole. EPSI covers the bank as a whole, not just the app: the leaders are S-Bank 82, Ålandsbanken 81.4 and Säästöpankki 77.3.
What is the best mobile bank?
The best mobile bank depends on how you use it. Compare customer satisfaction and services in the table below and try the bank's app.
Is a digital bank better than a traditional bank?
Not necessarily. Digital banks are often smooth and cheap abroad, but traditional banks may offer a wider service, for example in loans.
How do I know whether an app is easy to use?
Customer satisfaction surveys such as EPSI, and the public ratings in the app stores, give an indication. Also try it yourself.