Home Banking

Banking on a smartphone (or tablet) is, in my humble opinion, an unnecessary risk. To name two of the reasons: loss of the device (e.g. by theft), tracking done by the (banking) apps. Several of them contain modules of Facebook, Flurry, ad companies etc. Would you really trust your financial data to such an app? Better think twice – and if you choose an app, choose wisely.

Full mobile banking

Multi-Bank

2023-05-23

SecureGo plus (4.6@7,985) Ǥ 11 $Contains no trackers known to us \o/$ Multi-Bank fähige 2FA (u.a. GLS, PSD – u.a. aber nicht DKB, ING, Comdirect)
Finanzguru - Konten & Verträge (4.5@50,482) Ǥ 16 4 Online Banking, Verträge & mehr
GnuCash (4.5@6,853) 7 1 LastUpdate: 2018-08-08 Github
Sparkasse Ihre mobile Filiale (4.3@559,856) Ǥ 24 3
finanzblick Online-Banking (4.3@13,529) Ǥ 21 1
Banking4 (4.3@3,977; ~EUR 10.00) Ǥ 13 1
fin4u (4.1@474) 5 $Contains no trackers known to us \o/$ Vorstellung 3/2017; Promo Video 6/2017; Banking + alle Versicherungen / Anlagen bei Hallesche + Alte Leipziger
Bankin’ (4@53,523) Ǥ 18 7 many European banks
TEO - Das neue Multibanking (3.9@10,825) Ǥ 21 4
REINER SCT ONLINEBANKING (3.8@57) Ǥ 13 1
Adam Riese Finanz-App (3.7@1,185) Ǥ 9 5 Video Promo 8/2018 (1:08: "strengste Auflagen zu Datenschutz bla bla", "sicher in D gehostet" (und bei Adjust, Google Analytics etc, aber das sagen wir nicht))
StarMoney - Banking + Finanzen (3.3@6,866) Ǥ 11 2
Zuper Finance Coach & Banking (2.9@651) Ǥ 11 16 LastUpdate: 2021-04-27 Privatsphäre-Check 8/2018:
MLP Financepilot (2.8@393) Ǥ 20 2
MyBanking Classic (2.3@147) Ǥ 20 2
Numbrs - Bitcoin Account (2@9,113) Ǥ 13 3
Outbank - Multibanking App (1.7@1,798) 10 1 Vorstellung 9/2017 | 6/2018

Single institutes

2023-05-16

C24 Bank (4.8@10,402) Ǥ 20 4
BKS Bank Österreich (4.8@2,019) Ǥ 20 2
Commerzbank Banking (4.7@189,598) Ǥ 31 3 / Commerzbank photoTAN (4.7@80,490) Ǥ 11 $Contains no trackers known to us \o/$
TARGOBANK Mobile Banking (4.7@36,354) Ǥ 14 3
Tomorrow: Mobile Banking (4.7@10,276) Ǥ 19 2 "Nachhaltiges Banking"
Hanseatic Bank Mobile (4.7@5,160) Ǥ 12 2 / Hanseatic Bank Secure (3.1@287) Ǥ 7 $Contains no trackers known to us \o/$
BBBank-Banking (4.7@800) Ǥ 11 1 / BBBank SecureGo+ (4.5@1,322) Ǥ 11 $Contains no trackers known to us \o/$ / BBBank-Banking classic (3.4@1,086) Ǥ 20 2
PayPal - Send, Shop, Manage (4.6@2,942,525) Ǥ 29 6 banking app with ad module? Tsk! But yeah, Paypal …
ING Banking to go (4.6@124,518) Ǥ 17 4
VR Banking - einfach sicher (4.6@71,948) Ǥ 14 2 / VR Banking Classic (1.8@19) Ǥ 20 2 / VR-SecureGo (2.7@11,471) Ǥ 10 2
Deutsche Bank Mobile (4.6@69,534) Ǥ 21 3 / Deutsche Bank photoTAN (4.4@16,699) Ǥ 9 1 LastUpdate: 2021-10-04
Raiffeisen E-Banking (4.6@27,248) Ǥ 15 $Contains no trackers known to us \o/$ / Raiffeisen PhotoTAN (4.1@1,754) 6 $Contains no trackers known to us \o/$ Schweiz
Oberbank (4.6@5,515) Ǥ 23 2 Österreich
HVB Mobile Banking (4.5@20,963) Ǥ 33 3
Bank Austria MobileBanking (4.4@34,516) Ǥ 23 3
comdirect (4.4@30,830) Ǥ 20 4 / comdirect photoTAN App (4.5@39,005) Ǥ 11 1
SpardaApp (4.4@23,825) Ǥ 15 4 / SpardaSecureGo+ (4.5@5,368) Ǥ 7 $Contains no trackers known to us \o/$ / SpardaSecureApp (4.5@26,461) Ǥ 10 2 Nachlässige Sicherheit 8/2022
norisbank App (4.4@14,499) Ǥ 15 3 / norisbank photoTAN (4.4@3,614) Ǥ 9 1 LastUpdate: 2021-09-27 Kurztest 4/2016; Testbericht 2020
Santander Banking (4.4@11,454) Ǥ 9 2 / SantanderSign (4.1@9,464) Ǥ 13 2
1822direkt Banking (4.3@5,256) Ǥ 14 1 / 1822TAN+ (4.5@5,998) Ǥ 12 1 / 1822direkt QRTAN+ (4.6@3,062) Ǥ 6 1
NAB Online Banking (4.3@1,313) Ǥ 13 1 LastUpdate: 2021-03-31
SZKB (4.2@208) Ǥ 11 3
EB-Banking Classic (4.2@70) Ǥ 20 2
Consorsbank (4.1@18,733) Ǥ 19 1 / Consorsbank SecurePlus (2.7@3,058) Ǥ 9 $Contains no trackers known to us \o/$ / Consors Finanz Mobile Banking (3.4@11,938) Ǥ 15 4
BW-Mobilbanking Phone + Tablet (4@6,366) Ǥ 20 3
acrevis Bank (4@24) Ǥ 15 2
VKB CONNECT (3.9@309) Ǥ 20 3
Bank Direkt Mein ELBA-App (3.9@81) Ǥ 14 3
Girokonto mit Mastercard (3.8@11,422) Ǥ 17 4 LastUpdate: 2020-05-06 / O2 Mobile Banking (3.6@170) Ǥ 13 2 LastUpdate: 2019-09-09 Vorstellung 7/2016; Fidor Bank (DE); banking app with ad module? Tsk! / Old Second National Bank (US)
Banking (3.8@2,773) 8 1 Volkswagen Banking
PSD Banking Classic (3.6@832) Ǥ 20 2 / PSD Banking (2.9@306) Ǥ 11 1
Volksbank hausbanking (3.5@1,582) Ǥ 19 1 Österreich
GLS mBank Classic (3.4@573) Ǥ 16 1 / GLS Banking (4.3@422) Ǥ 15 3
SHKB (3.4@105) Ǥ 8 2
PostFinance App (3.2@32,008) Ǥ 24 3
DKB-Banking (3@46,809) Ǥ 15 1 / DKB-TAN2go (3.8@35,877) Ǥ 12 1
Renault Bank direkt Banking (3@171) Ǥ 11 1
OLB Banking (2.7@1,081) Ǥ 14 $Contains no trackers known to us \o/$ Promo Video 3/2018
ebaseBanking (2.5@309) 6 $Contains no trackers known to us \o/$ / finvesto mobile viewer (2.4@38) 10 $Contains no trackers known to us \o/$ LastUpdate: 2021-08-02
Fidor Smart Banking (2.4@5,977) Ǥ 15 5
Postbank Finanzassistent (2@31,365) Ǥ 18 1 / Postbank BestSign (3.4@53,460) Ǥ 16 3 Rezension 7/2021
LiveBANK (2@10) Ǥ 20 1 Österreich
FYRST - Mobiles Banking (1.2@252) Ǥ 12 1
SLG Banking (0@0) Ǥ 13 1
Varengold activeTAN (0@0) 4 $Contains no trackers known to us \o/$ Github; 2FA for Varengold
Raiffeisen-App (0@0) 7 2 / Raiffeisen-ID (4@288) Ǥ 14 3

Bank Info

2023-05-22

OeNB (4@31) 4 $Contains no trackers known to us \o/$ Austria
SGKB – Ihr Finanzbegleiter (3.3@890) Ǥ 20 3 St.Galler Kantonalbank (Switzerland)
CashPool – Geldautomaten (3@887) Ǥ 6 $Contains no trackers known to us \o/$

NFC Payment

2023-05-22

Revolut - Mobile Finance (4.8@2,288,757) Ǥ 33 5
Deutsche Bank Mobile (4.6@69,534) Ǥ 21 3 / Deutsche Bank photoTAN (4.4@16,699) Ǥ 9 1 LastUpdate: 2021-10-04
VIMpay – the way to pay (4.4@3,464) Ǥ 17 2
Mobiles Bezahlen (4.3@47,269) Ǥ 20 4 Vorstellung 7/2018
DiPocket | Finance & Payments (4.2@2,033) Ǥ 16 3
BW-BankCard pay - Mobiles Bezahlen mit der BW-Bank (4.2@203) Ǥ 15 2 LastUpdate: 2020-12-19
Google Wallet (3.5@1,412,309) Ǥ 26 4
Postbank Finanzassistent (2@31,365) Ǥ 18 1 / Postbank BestSign (3.4@53,460) Ǥ 16 3 Rezension 7/2021

Investment Information

2023-05-22

Kapitalertragsteuer (0@0) 2 1 LastUpdate: 2018-10-14

Further Readings:

Security
- Fotoüberweisung: Was mit den persönlichen Daten passiert (3/2022)
- Android & iOS: Sicheres Mobile-Banking am Smartphone (1/2022)
- Warum Post, Bank und Co. ihre Kunden nicht zwingen sollten, Apps zu benutzen (7/2019)
- Wie Banken Online-Banking durch Apps unsicher machen (7/2019)
- Massive bank app security holes: You might want to go back to that money under the mattress tactic (4/2019)
- Wie sicher ist Bezahlen per NFC-App? (1/2019 - 11/2019)
- Analyzing the security of Android mobile payment applications (10/2018)
- Android Banking-Apps: Verseucht mit Trackern? (8/2018)
- Wie Banken die Sicherheit und Privatsphäre ihrer Kunden aufs Spiel setzen (1/2018)
- Leserfrage: Sicheres Passwort beim Online-Banking (7/2017)
Mobile Payment
- Google Pay: Mobile Geldbörse oder globale Kreditauskunft? (8/2018 - 7/2020)
- Mit dem Handy bezahlen dank NFC (7/2018 - 11/2019)
- Bezahlen per Handy und NFC in Deutschland: So geht's (6/2018 - 3/2021)
- Mobile Payment in Deutschland: Bezahlen mit dem Smartphone (11/2016 - 3/2020)
General
- DSGVO-konformes Banking nur noch gegen Aufpreis? (10/2022)
- GrapheneOS: Welche Banking-Apps sind lauffähig? (11/2021)
- MobilSicher Themenpaket: Banking und Bezahlen
- Überraschendes Test-Ergebnis: Nur diese 4 Banking-Apps sind gut (5/2020 - 8/2020)
- Online-Banking mit Smartphone und Tablet (8/2015 - 11/2018)

2023-05-23

IzzyOnDroid

Home Banking

Full mobile banking

Multi-Bank

Single institutes

Bank Info

NFC Payment

Investment Information