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

2025-11-29

SecureGo plus (4.6@27,848) Ǥ 24 1 Multi-Bank fähige 2FA (u.a. GLS, PSD – u.a. aber nicht DKB, ING, Comdirect)
Finanzguru - Konten & Verträge (4.5@71,393) Ǥ 13 4 Online Banking, Verträge & mehr
GnuCash (4.5@6,853) 5 1 LastUpdate: 2018-08-08 Github
Sparkasse Ihre mobile Filiale (4.4@707,638) Ǥ 28 1
finanzblick Online-Banking (4.3@14,486) Ǥ 21 2
TEO - Das neue Multibanking (4.2@19,923) Ǥ 23 4
Banking4 Home (4.1@4,009; ~EUR 10.00) Ǥ 8
Bankin’ (4@60,170) Ǥ 19 4 many European banks
REINER SCT ONLINEBANKING (3.8@63) Ǥ 9 $Contains no trackers known to us \o/$
Outbank - Money Manager App (3.5@1,889) 11 2 Vorstellung 9/2017 | 6/2018
StarMoney - Banking + Finanzen (3.4@7,052) Ǥ 13 1
fin4u (3@626) Ǥ 8 1 Vorstellung 3/2017; Promo Video 6/2017; Banking + alle Versicherungen / Anlagen bei Hallesche + Alte Leipziger
MyBanking Classic (2.2@150) Ǥ 21 3 LastUpdate: 2024-01-27
Numbrs (2@9,064) Ǥ 8 3 LastUpdate: 2022-04-14
MLP Financepilot (1.5@499) Ǥ 21 2

Single institutes

2025-12-15

Renault Bank direkt Banking (4.8@880) Ǥ 17 5
VR Banking - einfach sicher (4.7@195,596) Ǥ 19 5 / VR Banking Classic (1.8@19) Ǥ 20 2 LastUpdate: 2022-11-10 / VR-SecureGo (2.7@11,471) Ǥ 11 2 LastUpdate: 2022-10-25
C24 Bank (4.7@52,053) Ǥ 20 6
ING Deutschland (4.6@197,687) Ǥ 18 2
Raiffeisen E-Banking (4.6@48,006) Ǥ 15 $Contains no trackers known to us \o/$ / Raiffeisen PhotoTAN (3.2@1,943) 6 $Contains no trackers known to us \o/$ Schweiz
Hanseatic Bank Mobile (4.6@25,376) Ǥ 14 1 / Hanseatic Bank Secure (2.2@472) Ǥ 12
norisbank (4.6@24,830) Ǥ 29 / norisbank photoTAN (4.1@5,599) Ǥ 11 1 Kurztest 4/2016; Testbericht 2020
Tomorrow: Mobile Banking (4.6@15,021) Ǥ 21 3 "Nachhaltiges Banking"
BKS Bank App (4.6@3,253) Ǥ 21 2
PayPal - Pay, Send, Save (4.5@3,587,030) Ǥ 33 5 banking app with ad module? Tsk! But yeah, Paypal …
Commerzbank Banking (4.5@250,938) Ǥ 26 3 / Commerzbank photoTAN (4.2@81,388) Ǥ 11 1
Deutsche Bank (4.5@109,926) Ǥ 21 / Deutsche Bank photoTAN (4@26,578) Ǥ 10 1
Bank Austria MobileBanking (4.4@60,161) Ǥ 25 1
HVB Mobile Banking (4.4@33,304) Ǥ 36 1
SpardaApp (4.4@26,007) Ǥ 17 4 / SpardaSecureGo+ (4.6@32,234) Ǥ 15 1 / SpardaSecureApp (4.4@31,490) Ǥ 14 3 Nachlässige Sicherheit 8/2022
Oberbank (4.4@8,603) Ǥ 22 2 Österreich
BBBank-Banking (4.4@5,211) Ǥ 17 5 / BBBank SecureGo+ (4.7@5,301) Ǥ 24 1 / BBBank-Banking classic (3.4@1,086) Ǥ 20 2 LastUpdate: 2022-10-28
1822direkt Banking (4.3@6,237) Ǥ 15 1 / 1822TAN+ (3.6@6,790) Ǥ 13 1 / 1822direkt QRTAN+ (4.4@3,715) Ǥ 12 1
TARGOBANK Mobile Banking (4.2@37,286) Ǥ 26 4
NAB Online Banking (4.2@1,311) Ǥ 13 1 LastUpdate: 2021-03-31
Raiffeisen-App (4.2@319) Ǥ 13 2 / Raiffeisen-ID (4.3@331) Ǥ 16 2
EB-Banking Classic (4.2@70) Ǥ 20 2 LastUpdate: 2023-01-17
MySantander Banking (4.1@23,259) Ǥ 10 2 / SantanderSign (4.1@17,430) Ǥ 11 2
BW-Bank (4.1@7,345) Ǥ 25 2
OLB: Finanzen & Banking to go (4.1@1,558) Ǥ 21 1 Promo Video 3/2018
acrevis Bank (4@33) Ǥ 15 3
comdirect (3.8@55,044) Ǥ 20 3 / comdirect photoTAN App (4.4@66,954) Ǥ 12 $Contains no trackers known to us \o/$
o2 Banking: kostenloses Girokonto mit Mastercard (3.8@11,366) Ǥ 17 4 LastUpdate: 2020-05-06 Vorstellung 7/2016; Fidor Bank (DE); banking app with ad module? Tsk!
PostFinance App (3.7@41,018) Ǥ 21 3
Volksbank hausbanking (3.7@1,708) Ǥ 17 $Contains no trackers known to us \o/$ Österreich
Bank Direkt Mein ELBA-App (3.7@109) Ǥ 14 4
PSD Banking Classic (3.6@832) Ǥ 20 2 LastUpdate: 2022-11-21 / PSD Banking (4.6@2,962) Ǥ 17
Varengold activeTAN (3.5@6) 6 $Contains no trackers known to us \o/$ Github; 2FA for Varengold
DKB-Banking (3.1@47,213) Ǥ 11 1 LastUpdate: 2023-06-26 / DKB-TAN2go (3.6@36,870) Ǥ 12 $Contains no trackers known to us \o/$ LastUpdate: 2023-07-29
SHKB (2.9@119) Ǥ 8 3
Consorsbank (2.8@21,629) Ǥ 14 1 / Consorsbank SecurePlus (2@3,476) Ǥ 15 1 / Consors Finanz Mobile Banking (4@15,430) Ǥ 16 5
Volkswagen Banking (2.7@3,129) Ǥ 15 Volkswagen Banking
VKB CONNECT (2.7@381) Ǥ 20 4
Fidor Smart Banking (2.4@5,965) Ǥ 15 5 LastUpdate: 2023-07-28
LiveBANK (2@10) Ǥ 17 $Contains no trackers known to us \o/$ Österreich
Postbank Finanzassistent (1.9@31,510) Ǥ 18 1 LastUpdate: 2023-03-28 / Postbank BestSign (4.5@158,353) Ǥ 18 $Contains no trackers known to us \o/$ Rezension 7/2021
FNZbanking (1.9@407) 6 $Contains no trackers known to us \o/$
SLG Banking (0@0) Ǥ 14 1

Bank Info

2025-11-30

OeNB (4.5@31) 4 $Contains no trackers known to us \o/$ Austria
CashPool – Geldautomaten (2.9@894) Ǥ 6 $Contains no trackers known to us \o/$ LastUpdate: 2023-09-06
SGKB – Ihre Finanzbegleiterin (2.8@1,009) Ǥ 15 1 St.Galler Kantonalbank (Switzerland)

NFC Payment

2025-11-30

Revolut (4.7@3,673,274) Ǥ 45 3
Mobiles Bezahlen (4.6@91,756) Ǥ 19 3 Vorstellung 7/2018
Deutsche Bank (4.5@109,926) Ǥ 21 / Deutsche Bank photoTAN (4@26,578) Ǥ 10 1
Google Wallet (4.2@2,042,387) Ǥ 28 2
VIMpay – the way to pay (4.2@4,578) Ǥ 18 1
DiPocket | Finance & Payments (4.2@2,327) Ǥ 14 2
BW-BankCard pay - Mobiles Bezahlen mit der BW-Bank (4.2@203) Ǥ 15 2 LastUpdate: 2020-12-19
Postbank Finanzassistent (1.9@31,510) Ǥ 18 1 LastUpdate: 2023-03-28 / Postbank BestSign (4.5@158,353) Ǥ 18 $Contains no trackers known to us \o/$ Rezension 7/2021

Investment Information

2025-11-30

FDTracker (0@0) 10 $Contains no trackers known to us \o/$ Github; keep track of your fixed deposits

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 - 2/2021)
- Mobile Payment in Deutschland: Bezahlen mit dem Smartphone (11/2016 - 3/2020)
General
- Der große Online-Banking- und TAN-App-Test (8/2024)
- 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)

2025-12-15

IzzyOnDroid

Home Banking

Full mobile banking

Multi-Bank

Single institutes

Bank Info

NFC Payment

Investment Information