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The UK’s BEST and WORST Banking Apps For iPhone

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The UK’s BEST and WORST Banking Apps For iPhone

RATED: The UK's greatest and WORST banking apps for iPhone and iPad [PART 2]. Who's improved since final time?

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Earlier this yr I took a look at all of the UK’s major banking apps and rated them from worst to greatest. But in that point--as tends to occur with apps--lots of them have been up to date, and a few utterly revamped, so we felt it was a very good time to return to this all-essential app sector and rank them once more. 

What’s most shocking of all is the financial institution that had the worst app is now the financial institution that has probably the most-improved app. Which one is it and the way does your financial institution’s app now stack up? Read on (and do take into account this roundup is for iOS apps. We’re engaged on doing an Android model ASAP). 

The Worst: TSB Mobile Banking by TSB Bank

Earlier this yr Lloyds and TSB have been damaged into particular person banks. Before, every financial institution shared the identical app, simply re-skinned. But what’s occurred since then is Lloyds has utterly redone its app whereas TSB caught with the identical previous worst-of-class app. 

As I stated in my final roundup, to name this app an “app” is definitely very deceptive; it’s actually only a cellular web site (.mobi), sure up in an app shell and introduced to its clients as a real app. When you launch it in your telephone you’re introduced with a really poorly designed cellular web site that requires you to manually enter your account quantity and password every time. There is not any passcode help, no iOS integration, nothing. I’d change banks if I wanted to make use of this app.

Runner Up To The Worst: first direct Banking on the go by First Direct

Look, First Direct isn’t a superb-wanting app by any means—it principally appears prefer it was designed in Microsoft Word. The app permits you to do three basic items: view your stability and final ninety transactions, make transfers between your First Direct accounts, and make a cost to somebody you have already got arrange as a payee by means of the web site.

Given that First Direct explicitly states that this app isn’t a alternative for his or her web site, that tells you ways restricted it's. Yet most individuals aren’t cellular banking energy customers. All they need to do is shortly examine their stability and see what current transactions have come via. In this regard First Direct is a totally competent, although naked, app.

Pretty Good (and most improved): Lloyds Bank Mobile Banking by Lloyds and Halifax Mobile Banking by Halifax.

I’m grouping these two apps collectively as a result of they're the very same app, simply reskinned for every financial institution. What’s loopy about these two apps is that they (together with TSB) held “The Worst” spot within the earlier rankings--however now they're probably the most improved and, in equity, fairly respectable banking apps. The cause?  Lloyds and Halifax ditched the cellular-web site-as-app mannequin and got here out with a real app.

I do discover the design of each apps a bit too net-like, however each are literally nicely thought out apps when it comes to what’s on supply inside. I love the format of the house display and the way straightforward it's to swipe between your accounts and your statements, that are grouped by months. Another large bonus is that these apps now help a O-character login. Yes, a A-digit pin can be simpler, however the login is a large step up over the earlier username and password requirement.

Lloyds and Halifax nonetheless don’t have one of the best banking app, however I’m very excited to see the place this app goes from right here, as a result of that is such an enormous enchancment.

A strong app: HSBC Mobile Banking by HSBC

The HSBC Mobile Banking app isn’t going to win any awards for creativity or options, nevertheless it does what most individuals want. There’s the usual pin entry any banking app ought to have and when you log in you'll be able to entry and look at your whole HSBC accounts. A huge plus is that this app allows you to see all of your international accounts, so when you have a US and UK HSBC account you'll be able to see them multi functional app.

The app additionally permits you to pay payments and make transfers proper from inside it. The HSBC app is the naked minimal any financial institution wants these days—and its options are greater than sufficient for most individuals. A new function that has been added because the final banking app roundup is the power to switch cash to anybody in your contacts utilizing simply their telephone quantity (a function fairly a number of of the apps on this record now help).

Not dangerous both: Nationwide Mobile Banking by Nationwide

Nationwide’s app isn’t that dangerous both. Though it might use an iOS S makeover, it’s firmly within the class of what any good, primary banking app ought to do. Inside you'll be able to examine transactions, statements, and balances for present, financial savings, bank card and mortgage accounts; switch cash between accounts; pay present payees; and consider and cancel direct debits and common funds.

Another good function is the app shortly and simply permits you to view your financial savings account rates of interest and handle your present account overdraft.

Almost Great: Royal Bank of Scotland by RBS 

Starting with The Royal Bank of Scotland app is the place we get into the “nice” class. The RBS app gives a safe H-digit pin wanted to entry it, which helps you to log in and see all of your accounts at RBS in a single place (present, credit score, and financial savings). It’s additionally very straightforward to view your statements, make funds and transfers, and discover shut money machines.

A very nice function concerning the app is it additionally lets you get a short lived A-digit passcode in case you are at a money machine and understand you’ve forgotten your debit card. The code will let you rise up to £forty a day trip. Another superb function is known as “Pay Your Contacts.” Using this all you'll want to have is somebody’s telephone quantity who additionally makes use of the RBS app, and you may immediately ship them cash that's deposited immediately into their checking account.

Plus because the final roundup RBS has utterly redesigned their app giving it the iOS S feel and appear. It’s an awesome visible replace. Another bonus? This is among the uncommon banking apps that's common, so it really works on the iPad too.

Almost Great, Part P: NatWest by NatWest

Just nearly as good because the Royal Bank of Scotland app is the NatWest app. That’s as a result of NatWest is a component owned by RBS, in order that they’ve principally re-skinned the app and put the NatWest branding all over the place.

It’s received all the identical options of the RBS app above, however the NatWest app permits clients to withdraw as much as £250 a day at an ATM utilizing nothing however the app. 

Better Than Almost Great: Personal Banking by Santander 

Okay, let me simply say that this app might nonetheless use an iOS S redesign (and maybe tone down on all of the purple). But apart from that, this can be a banking app that basically takes benefit of cellular. It does a lot of the issues the opposite banking apps do—checks balances and statements, makes funds and transfers, discover native branches—however the actual cause this app is best than the beforehand talked about ones is as a result of it lets you arrange alerts which are pushed to your telephone when your stability falls under or goes over a specific amount and it additionally lets you report misplaced or stolen playing cards.

Reporting misplaced or stolen playing cards is one thing we’ll do from our telephones virtually the second we discover the cardboard is gone, so it is sensible for a financial institution to construct a simple to make use of lacking card reporting function into their app. The similar goes for push notification alerts. Push notifications are why our telephones are as helpful as they're. When one thing essential comes up, our telephones routinely ping us. I can’t consider a extra necessary message than one from my financial institution saying my stability is under a sure degree. 

And because the final banking app roundup Santander has added the power for all you ballers to now examine your bonds on the accounts residence display.

The Best: Barclays Mobile Banking by Barclays

Nothing’s modified right here, people. If there's a gold normal of cellular banking apps it's nonetheless discovered within the Barclays Mobile Banking app by Barclays Bank. This app is so properly-designed and have-loaded it might immediately make me change from another UK financial institution if I weren’t already a member. 

The app helps each enterprise and private accounts and makes it exceptionally straightforward to navigate your means round each. To begin with the design and format is flawless. I can shortly see all my incoming or outgoings for any account with just some faucets. Sending cost and making transfers couldn’t be simpler both. Matter of reality, I haven’t as soon as logged into my on-line Barclays account since downloading this app. All of my banking is completed by way of their cellular app.

The app is so function wealthy it even features a cellular PINsentry, which enterprise customers shall be acquainted with. No longer do you could have your cumbersome bodily PINsentry reader with you to make funds and transfers, or determine your self in any approach: it’s all dealt with via the app.

Barclays clearly has put loads of money and time into their cellular efforts and it exhibits. The Barclays Mobile Banking app receives common updates with not simply bug fixes, however main new options—the newest being the power to make use of the app to take footage of and add safe monetary paperwork to Barclays’ CloudIt cloud storage function.

The Future...

Of course, the rating for the UK’s greatest banking apps might change radically within the coming months. It relies upon which banks are going to reap the benefits of entry to Apple’s TouchID in iOS H. The first banking app that lets you unlock it together with your fingerprint goes to be the one to be reckoned with for positive. But simply which financial institution’s app will it's?

Michael Grothaus 12:forty four, sixteen Sep 2014
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