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

2026-10-01

GnuCash (4.5@6,853) 5 1 LastUpdate: 2018-08-08 Github
Finanzguru – Finance Manager (4.4@79,904) Ǥ 15 6 Online Banking, Verträge & mehr
SecureGo plus (4.4@29,821) Ǥ 24 2 Multi-Bank fähige 2FA (u.a. GLS, PSD – u.a. aber nicht DKB, ING, Comdirect)
Sparkasse Ihre mobile Filiale (4.3@755,935) Ǥ 27 1
finanzblick Online-Banking (4.3@14,801) Ǥ 20 3
Banking4 Home (4.2@4,027; ~EUR 10.00) Ǥ 8 1
Bankin’ (3.9@61,536) Ǥ 25 4 many European banks
Outbank - Money Manager App (3.7@1,898) 11 3 Vorstellung 9/2017 | 6/2018
REINER SCT ONLINEBANKING (3.7@65) Ǥ 9 $Contains no trackers known to us \o/$
StarMoney - Banking + Finanzen (3.5@7,126) Ǥ 13 1
fin4u (3@703) 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
MLP Financepilot (1.5@499) Ǥ 21 2 LastUpdate: 2024-06-26

Single institutes

2026-10-17

Raiffeisen E-Banking (4.8@54,119) Ǥ 15 $Contains no trackers known to us \o/$ / Raiffeisen PhotoTAN (3.2@2,018) 6 $Contains no trackers known to us \o/$ Schweiz
Renault Bank direkt Banking (4.8@1,090) Ǥ 18 4
Tomorrow: Mobile Banking (4.7@15,848) Ǥ 21 5 "Nachhaltiges Banking"
Commerzbank Banking (4.6@269,526) Ǥ 26 3 / Commerzbank photoTAN (4.1@81,628) Ǥ 20 1
VR Banking - einfach sicher (4.6@219,262) Ǥ 20 4 / 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
Deutsche Bank (4.6@139,258) Ǥ 21 $Contains no trackers known to us \o/$ / Deutsche Bank photoTAN (4@27,253) Ǥ 9 2
Hanseatic Bank Mobile (4.6@29,593) Ǥ 14 5 / Hanseatic Bank Secure (2@556) Ǥ 12 1
Consorsbank (4.6@25,570) Ǥ 19 1 / Consorsbank SecurePlus (1.9@3,514) Ǥ 14 1 / Consors Finanz Mobile Banking (4.8@25,318) Ǥ 17 5
BBBank-Banking (4.6@6,187) Ǥ 18 5 / BBBank SecureGo+ (4.5@5,644) Ǥ 24 3 / BBBank-Banking classic (3.4@1,086) Ǥ 20 2 LastUpdate: 2022-10-28
ING Deutschland (4.5@215,935) Ǥ 19 2
C24 Bank (4.5@54,430) Ǥ 20 5
PostFinance App (4.5@42,507) Ǥ 20 3
Oberbank (4.5@9,525) Ǥ 27 2 Österreich
BKS Bank App (4.5@4,123) Ǥ 24 2
Bank Austria MobileBanking (4.4@60,808) Ǥ 26 1
HVB Mobile Banking (4.4@36,879) Ǥ 39 3
SpardaApp (4.4@25,984) Ǥ 17 4 / SpardaSecureGo+ (4.7@37,458) Ǥ 15 2 / SpardaSecureApp (4.4@31,472) Ǥ 13 3 LastUpdate: 2025-03-27 Nachlässige Sicherheit 8/2022
comdirect (4.3@60,309) Ǥ 20 3 / comdirect photoTAN App (4.3@74,764) Ǥ 12 $Contains no trackers known to us \o/$
norisbank (4.3@29,806) Ǥ 29 $Contains no trackers known to us \o/$ / norisbank photoTAN (4.1@5,689) Ǥ 11 2 Kurztest 4/2016; Testbericht 2020
Raiffeisen App (4.3@385) Ǥ 11 2 / Raiffeisen-ID (4.3@335) Ǥ 15 2
PayPal - Pay, Send, Save (4.2@3,739,237) Ǥ 30 3 banking app with ad module? Tsk! But yeah, Paypal …
BW-Bank (4.2@7,636) Ǥ 24 1
NAB Online Banking (4.2@1,311) Ǥ 13 1 LastUpdate: 2021-03-31
EB-Banking Classic (4.2@70) Ǥ 20 2 LastUpdate: 2023-01-17
TARGOBANK Mobile Banking (4.1@37,719) Ǥ 26 3
OLB: Finanzen & Banking to go (4.1@2,942) Ǥ 19 3 Promo Video 3/2018
Openbank Deutschland (4@26,458) Ǥ 20 6 / OpenbankSign (3.8@19,603) Ǥ 11 2
1822direkt Banking (3.9@6,546) Ǥ 15 1 / 1822TAN+ (3.2@6,854) Ǥ 13 1 / 1822direkt QRTAN+ (4.4@3,719) Ǥ 12 1
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!
Bank Direkt Mein ELBA-App (3.7@118) Ǥ 14 5
DKB-TAN2go (3.6@36,870) Ǥ 12 $Contains no trackers known to us \o/$ LastUpdate: 2023-07-29
PSD Banking Classic (3.6@832) Ǥ 20 2 LastUpdate: 2022-11-21 / PSD Banking (4.6@3,690) Ǥ 18 5
Volksbank hausbanking (3.5@1,755) Ǥ 17 $Contains no trackers known to us \o/$ Österreich
Ascory activeTAN (3.5@6) 5 $Contains no trackers known to us \o/$ Github; 2FA for Varengold
Volkswagen Banking (2.7@3,330) Ǥ 12 1 Volkswagen Banking
VKB CONNECT (2.7@401) Ǥ 20 5
SHKB (2.7@125) Ǥ 9 1
Fidor Smart Banking (2.4@5,965) Ǥ 15 5 LastUpdate: 2023-07-28
FNZbanking (2.1@432) 6 $Contains no trackers known to us \o/$
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 (4.4@171,902) Ǥ 18 $Contains no trackers known to us \o/$ Rezension 7/2021
SLG Banking (0@0) Ǥ 14 1

Bank Info

2026-10-03

OeNB (4.5@31) 4 $Contains no trackers known to us \o/$ LastUpdate: 2024-10-04 Austria
SGKB – Ihre Finanzbegleiterin (3@1,045) Ǥ 16 1 St.Galler Kantonalbank (Switzerland)
CashPool – Geldautomaten (2.8@893) Ǥ 6 $Contains no trackers known to us \o/$ LastUpdate: 2023-09-06

NFC Payment

2026-10-03

Revolut (4.8@4,143,801) Ǥ 45 3
Deutsche Bank (4.6@139,258) Ǥ 21 $Contains no trackers known to us \o/$ / Deutsche Bank photoTAN (4@27,253) Ǥ 9 2
Mobiles Bezahlen - Sparkasse (4.6@109,711) Ǥ 19 3 Vorstellung 7/2018
DiPocket | Finance & Payments (4.2@2,338) Ǥ 14 2 LastUpdate: 2025-01-13
BW-BankCard pay - Mobiles Bezahlen mit der BW-Bank (4.2@203) Ǥ 15 2 LastUpdate: 2020-12-19
Google Wallet (4.1@2,246,842) Ǥ 28 3
VIMpay – the way to pay (4.1@4,772) Ǥ 18 1
Postbank Finanzassistent (1.9@31,510) Ǥ 18 1 LastUpdate: 2023-03-28 / Postbank BestSign (4.4@171,902) Ǥ 18 $Contains no trackers known to us \o/$ Rezension 7/2021

Investment Information

2026-10-03

FDTracker (0@0) 10 $Contains no trackers known to us \o/$ LastUpdate: 2024-07-26 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)

2026-10-17

IzzyOnDroid

Home Banking

Full mobile banking

Multi-Bank

Single institutes

Bank Info

NFC Payment

Investment Information