While selecting a bank for personal banking, you must also check the efficiency of its mobile banking services. In a day and age where online fund transfers are the norm, we present you four of the best banking apps for personal banking. Pick any of these four apps and witness a complete change in your personal banking experience.
1.Choose IDFC FIRST Bank for steady and higher growth in savings
An efficient personal net banking app helps you save more in the medium-to-long term. The following features offered by IDFC FIRST Bank make it one of the best banks for personal banking:
- More online fund transfer options: In addition to UPI (Unified Payments Interface), the app offers “Auto Pay” and “One-Swipe Pay”. These features help the customer carry out an online fund transfer to any recipient with a bank account. Besides these features, the app also supports RTGS (Real-Time Gross Settlement), IMPS (Immediate Payment Service), and NEFT (National Electronic Funds Transfer).
- Safe online banking: The IDFC FIRST Bank mobile banking app offers customers the option of adding more layers of security to their bank account to make it more secure.
- More savings: IDFC’s savings accounts offer the “Zero Fee Banking” feature, which waives off the fees of 28 commonly used savings account-related services such as ATM withdrawal charges and IMPS/NEFT fees. Furthermore, the bank offers a high-interest rate and features like “Track My Expense” that helps customers budget better. All these features together help customers increase their savings.
- Efficient customer service: An all-time access to customer support makes any personal net banking app more efficient. IDFC FIRST Bank’s customer support team is accessible at all times through the app.
2.Check out Kotak Mahindra Bank’s app
Our second recommendation to you is Kotak Mahindra Bank’s Kotak-811 app. Here are its features:
- Customers can shop via KayMall and book flights, train tickets and hotel rooms.
- The Kotak-811 app also allows customers to pay their utility bills using the BillPay feature.
- Customers can also request a change of chequebook through the app.
3.ICICI’s iMobile Pay can help you transact faster
ICICI Bank’s mobile app has features that can help you improve your personal net banking experience. Here are some of those features:
- You can open a Fixed Deposit (FD) account directly through the iMobile Pay app.
- The iMobile Pay app allows instant transfers to any recipient using their contact or email ID.
- You can also locate the nearest ICICI Bank local ATM using the iMobile Pay app.
4.Browse through the features in Axis Bank’s app
Another personal net banking app that you must explore is Axis Bank’s app. Here are its key features:
- Customers can browse Axis Bank’s open-access blog and explore more about personal finance directly through the app.
- The Axis Mobile app allows customers to make UPI, NEFT, IMPS, and RTGS payments.
- Customers can also open an online account with Axis Bank through the app.
Read more about your preferred bank savings account to gauge whether it can help you save more in the long run. Analyse the features and app services, and check if they align with your financial requirements before opening a savings account.
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