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Ratings of the best mobile banks of 2024
Rating analysis
Advantages of mobile banking

Popular Rankings

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02.10.24 18:23

Updated: 02.10.2024

Mobile Banking Rating 2024

The number of mobile banks on the market is constantly updating – new players appear, and old ones pick up the pace. Remote servicing has long surpassed traditional servicing in popularity, and a ranking of the best apps for 2024 across various app stores has been compiled.

Sravnim24 editorial team
Daria Kreslova

Contents

Ratings of the best mobile banks of 2024

The rating is based on data from the first half of 2024, featuring the top 25 and top 10 best according to the audience – app users who rated and reviewed the app on the store page. Only retail lending programs were considered.

RuStore: Top 25 mobile banks

The Russian app store for Android smartphones and tablets is very popular and includes 56 financial institutions with at least 15 comments. The list includes 25 of them:

Rank	Bank	Max. cash loan amount (RUB)	Rating 1 – 5
1	MTS PJSC	1 000 000	4,8
2	not used	30 000 000	4,7
3	PJSC VTB	40 000 000	4,6
4	URALSIB PJSC	1500 000
5	Solidarity JSC CB	20 000 000
6	Khlynov Bank JSC	3000 000
7	PJSC CHELYABINVESTBANK (2.0)	2000 000
8	JSC Gazenergobank	1300 000
9	JSC T-Bank (Tinkoff)	30 000 000	4,5
10	PJSC MOSCOW CREDIT	5000 000
11	Russian Standard Bank JSC	3000 000
12	Sinara Bank PJSC	4700 000
13	JSC ICB Absolut	1000 000
14	PJSC Sovcombank	15 000 000	4,4
15	LLC MCC OZON	100 000
16	RNCB	200 000
17	Kuban Credit CB LLC	5000 000
18	SNGB JSC	1500 000
19	PJSC Promsvyazbank	5 000 000	4,3
20	PJSC ROSBANK
21	CB LOKO-Bank
22	Expobank JSC	7000 000	4,2
23	JSC Lanta	FROM 100,000	4,2
24	Bank Saint Petersburg PJSC	1500 000	4,1
25	PJSC CB BARS	5000 000	4,1

An additional 4 banks scored 4.1 – PJSC Levoberezhny, SDM, Bystrobank, and JSC Almazergienbank. However, they have fewer comments than the participants TOP-25.

Google Play: Top 25 mobile banks of 2024

There are 59 mobile apps available on Google Play, among which 4 received fewer than 15 comments, resulting in 55 evaluated apps and 25 best selected:

Rank	Bank	Max. cash loan amount (RUB)	Rating 1 – 5
1	LLC MCC OZON Credit	100 000	4,8
2	PJSC CHELYABINVESTBANK (2.0)	2000 000	4,8
3	JSC Raiffeisenbank	2000 000	4,7
4	OTP BANK JSC	3 000 000
5	JSC Credit Europe Bank (Russia)
6	Almazergienbank JSC
7	JSC Intesa
8	JSC ORENBURG		4,6
9	JSC Akcept	1500 000
10	JSC CB ENERGOTRANSBANK	1000 000
11	Russian Agricultural Bank JSC	5000 000	4,5
12	Renaissance Credit Bank (LLC)	1500 000
13	SNGB JSC	1500 000
14	JSC REALIST	2000 000
15	PJSC AKIBANK	2000 000
16	JSC CB Alef	5000 000
17	JSC National Standard	5000 000
18	JSC NC	100 000 000
19	Primsocbank PJSC	7000 000	4,4
20	JSC Gazenergobank	1300 000
21	Bank of Kazan LLC	1500 000
22	PJSC ALEXANDROVSKY	5000 000
23	RESO Credit (JSC)	25 000 000
24	Ingosstrakh Bank JSC	3000 000	4,3
25	Khlynov Bank JSC	3000 000	4,0

App Store: Top 25 Mobile Banks

The App Store features 62 financial institutions, but only 53 made it to the top list because 9 received fewer than 15 reviews:

Rank	Banks	Max. cash loan amount (RUB)	Rating 1 – 5
1	SNGB JSC	1500 000	4,9
2	JSC CB Alef Bank	5000 000
3	RESO Credit (JSC)	25 000 000
4	LLC CB ARESBANK	1000 000
5	JSC Raiffeisenbank	2000 000	4,8
6	OTP BANK JSC	3000 000
7	Kuban Credit Bank LLC	5000 000
8	JSC CB ENERGOTRANSBANK	1000 000
9	JSC Akcept	1500 000
10	Tavrichesky (JSC)	—
11	PJSC AKIBANK	2000 000
12	PJSC ALEXANDROVSKY	5000 000
13	JSC NC	100 000 000
14	JSC Intesa	3000 000
15	JSC BCS Bank	2000 000	4,7
16	PJSC SKB Primorye Prisocbank	2000 000
17	Expobank JSC	7000 000
18	JSC ORENBURG	3000 000
19	Renaissance Credit Bank (LLC)	1500 000	4,6
20	JSC Credit Europe Bank (Russia)	3000 000
21	PJSC CHELYABINVESTBANK (2.0)	2000 000
22	Almazergienbank JSC	3000 000	4,4
23	Bank of Kazan LLC	1500 000	4,3
24	JSC CB Citibank	3000 000	4,2
25	JSC REALIST	2000 000	4,2

LLC OZON Bank also has a rating of 4.2, but lags behind other participants in terms of the number of reviews.

AppGallery: Top 10 Mobile Banks

The online platform for Huawei features 57 banking applications, but according to research results, 23 of them have fewer than 15 reviews, so only 10 made it to the top:

Rank	Banks	Max. loan amount (RUB)	Rating 1 – 5
1	PJSC Sovcombank	15 000 000	5,0
2	not used	30 000 000	4,8
3	PJSC VTB	40 000 000
4	Renaissance Credit Bank (LLC)	1500 000
5	JSC T-Bank (Tinkoff)	30 000 000	4,7
6	Bank Saint Petersburg PJSC	1500 000
7	JSC Raiffeisenbank	2000 000
8	PJSC MOSCOW CREDIT BANK	5000 000	4,6
9	Russian Agricultural Bank JSC	5000 000	4,6
10	URALSIB PJSC	1500 000	4,3

Rating analysis

Only PJSC Sovcombank has the maximum rating of 5.0 in the AppGallery rankings. The names of the leaders do not match anywhere, but the overall results for VTB Bank and JSC Raiffeisenbank are quite good. There are organizations that made it into one rating but are absent in the other.

The maximum top list included only 25 bank names, not 51, because a third — 31.37%, or 16 players — do not have applications in Google Play or the App Store. The quality parameters of foreign platforms used for them did not affect the positive user ratings on alternative platforms such as RuStore and AppGallery.

The large size and number of bank branches do not affect its online rating; 37.26% of participants, i.e., 19, are regional companies represented in 8 localities across the country. It turns out they pay a lot of attention to the remote service format, even though their territorial coverage is small.

In general, people evaluate not only the quality of the company's financial services, but also the app's performance — design style and interface convenience, technical parameters, and useful features. How smoothly and quickly the mobile platform works, the availability of banking offers, and the degree of relevance. This accounts for 80% of the final rating.

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Advantages of mobile banking

Today, bank managers recommend that new clients who issue a card or open a deposit install the app at the same time:

the current balance on all bank accounts is visible;
financial transaction history is saved — transfers, cash withdrawals, payments;
you can pay for any services — utility bills, taxes, social contributions, health insurance;
getting a loan in a few clicks — consumer loan, cash loan, etc.
deposit and loan information is available 24/7;
you can ask your questions to the on-duty operator in the chat, they reply quickly;
an online store with favorable offers is available online;
the service of purchasing goods in installments for 1-3 months;
news about new promotions with a list of goods to which they apply;
electronic version of client documents;
access to connected platforms — State Services, medical institutions;
request for information on traffic police fines, utility bills, tax notices;
the banking application works around the clock;
making loan payments via internal transfer;
Top up balance from other accounts.

It's hard to overstate the convenience of mobile banking; it has become a digital counterpart to a real institution with a full range of services at the client's fingertips. Everything is available on the phone – balance inquiries, viewing payment and transfer history, deposits, loans, and current accounts – all in one dashboard. You can also see banking transactions of children whose cards are linked to a shared family card. You can track how much money your child spent and where – the notification will show the name of the merchant, the amount, and the time of the transaction. A banking app is like a mini-bank that's always at hand.