TGB Bank Rankings · 2026 edition
The world's digital banking leaders
Which of the world's largest banks have taken customers furthest into digital banking, measured only with figures the banks publish themselves.
Digital Leaders
12
banks in the top quarter of at least two of four measures
70Banks with user data
170Apps rated
201Banks researched
At a glance
12 banks
These tables show which of the world's large banks have taken their customers furthest into digital banking, using only figures the banks publish themselves. 12 banks qualify as 2026 Digital Leaders by ranking in the top quarter of at least two measures.
290m
Scale and adoption tell different stories. ICBC has the largest active digital user base (290 million).
94%
Bci reports the highest share of digitally active customers (94%).
Definitions differ between banks, so each table shows exactly what the bank counts.
Largest digital user baseICBC290 million active users
Highest digital adoptionBci94% of customers digitally active
Highest digital sales shareEmirates NBD97% of retail sales
Best-rated appE.Sun Financial4.90 / 5 from 282,788 ratings
The leaders
The 2026 Digital Leaders
Banks that rank in the top quarter of at least two of the four tables below.
Lloyds Banking GroupUnited Kingdom · Top quarter in: Digital users, Digital sales, App rating
AIB GroupIreland · Top quarter in: Digital adoption, Digital sales
Agricultural Bank of ChinaChina · Top quarter in: Digital users, App rating
Bank of AmericaUnited States · Top quarter in: Digital users, App rating
BciChile · Top quarter in: Digital adoption, App rating
China Merchants BankChina · Top quarter in: Digital users, App rating
CitigroupUnited States · Top quarter in: Digital users, App rating
ICBCChina · Top quarter in: Digital users, App rating
Industrial BankChina · Top quarter in: Digital users, App rating
JPMorgan ChaseUnited States · Top quarter in: Digital users, App rating
Wells FargoUnited States · Top quarter in: Digital users, App rating
Yapı KrediTürkiye · Top quarter in: Digital adoption, App rating
Largest digital banking user bases
Customers actively using the bank's app or online banking (monthly or 90-day active, as each bank defines it), in millions. Registered or enrolled users are not counted.
| What the bank counts | Period | Source | |||
|---|---|---|---|---|---|
| 1 | ICBCChina | 290.0 | Mobile monthly active users (MAUs) of personal mobile banking; base: 630 million personal mobile banking customers | FY2025 (end-2025) | Company report |
| 2 | Agricultural Bank of ChinaChina | 276.0 | Monthly active users (MAU) of (personal) mobile banking | FY2025 (end-2025) | Stock-exchange filing |
| 3 | China Construction BankChina | 246.0 | Monthly active users (MAU) of the "binary stars" platform (personal mobile banking + CCB Lifestyle app); platform users 546 million; online personal… | FY2025 (end-2025) | Company report |
| 4 | Postal Savings Bank of ChinaChina | 90.0 | Monthly active users (MAU) of mobile banking (chart shows 9,000.95 in units of 10,000) | 31 Dec 2025 | Stock-exchange filing |
| 5 | China Merchants BankChina | 88.7 | Monthly active users of the CMB APP (retail mobile banking app); combined CMB APP + CMB Life APP MAU = 129 million | FY2025 (reporting period) | Stock-exchange filing |
| 6 | JPMorgan ChaseUnited States | 74.6 | Active digital customers: users of all web and/or mobile platforms who have logged in within the past 90 days. Also: active mobile customers 61,736… | FY2025 (as of 31 Dec 2025) | Company report |
| 7 | Banco SantanderSpain | 63.0 | Digital customers (total group, retail+commercial): 'Every physical or legal person, that, being part of a commercial bank, has logged in to its… | FY2025 (31 Dec 2025) | SEC filing |
| 8 | BBVASpain | 62.6 | Mobile customers (Group, total; no further definition given in AR); active customers base 81.2m | Dec 2025 | Company report |
| 9 | Bank of CommunicationsChina | 57.4 | Monthly active users (MAU) of Personal Mobile Banking | 31 Dec 2025 | Stock-exchange filing |
| 10 | Bank of AmericaUnited States | 49.3 | Active digital banking users: mobile and/or online active users over the past 90 days. Active mobile banking users: 41,427 thousand. | FY2025 (year end 2025) | SEC filing |
| 11 | Caixa Econômica FederalBrazil | 40.0 | People using the CAIXA Tem app monthly (monthly users of the CAIXA Tem digital account/social-benefit app; mobile active, individuals; stated as… | FY2025 | Company report |
| 12 | Wells FargoUnited States | 37.2 | Number of consumer and small business customers who have logged on via a digital device in the prior 90 days (includes online and mobile). Mobile… | FY2025 (period-end 4Q25) | Company report |
| 13 | Banco do BrasilBrazil | 35.8 | Active clients on digital channels (digital active; total unique clients using at least one channel 42.7mn) | FY2025 | Stock-exchange filing |
| 14 | BradescoBrazil | 28.5 | Mobile active individual clients of the Bradesco App - accounts that carried out transactions in the last three months (mobile active, individuals) | End-Dec 2025 | SEC filing |
| 15 | Industrial BankChina | 27.6 | Monthly active users of mobile banking; effective mobile banking customers 70.2167 million | 31 Dec 2025 | Company report |
| 16 | CitigroupUnited States | 27.0 | Active Digital Users: customers of all online and/or mobile services within the last 90 days through November 2025. Active Mobile Users: 21MM. | FY2025 (90 days through November 2025) | Company report |
| 17 | T.C. Ziraat BankasıTürkiye | 24.8 | Number of active digital customers (customers actively using digital channels); 20% market share in active digital customers | FY2025 (Dec) | Company report |
| 18 | Lloyds Banking GroupUnited Kingdom | 23.6 | Group digitally active users (digital; all digital channels), of which c.21.5m mobile app users | FY2025 | Company report |
| 19 | Bank Rakyat IndonesiaIndonesia | 21.0 | # Monthly Active Users of BRImo super app | FY2025 | Company report |
| 20 | Bank MandiriIndonesia | 20.4 | Board of Directors' KPI 'Number of Active Livin' by Mandiri Users' (target 14,500,000) | FY2025 | Company report |
| 21 | China CITIC BankChina | 17.8 | Monthly active users of the Bank's mobile banking App (App); credit card app MAU separately 19.7647 million | 31 Dec 2025 | Company report |
| 22 | Kotak Mahindra BankIndia | 17.0 | Monthly active users on Kotak Bank's Apps (mobile, all apps incl. Kotak Bank App and Kotak811); reported as 1.7 crore; 'mobile' active, users not… | March 2026 (FY2025-26) | Company report |
| 23 | Türkiye İş BankasıTürkiye | 15.9 | İşCep users / customers at end-2025 (bank does not label them 'active'); ~6 million people visit İşCep daily | End-2025 | Company report |
| 24 | Yapı KrediTürkiye | 15.5 | Active digital banking customers, approximately 15.5 million | FY2025 (Dec) | Company report |
| 25 | ING GroupNetherlands | 15.4 | Mobile primary customers: primary customers with at least one mobile interaction through the app or mobile website per quarter (of nearly 41m total… | 31 Dec 2025 | SEC filing |
| 26 | Capitec BankSouth Africa | 15.3 | Active banking app clients; narrative text gives banking app users 15.2m, and digital transacting clients 15.9m | FY ended 28 Feb 2026 | Company report |
| 27 | Al Rajhi BankSaudi Arabia | 14.9 | Active users of the bank's digital banking ecosystem (digital active; total customers 20.6 million) | As at 31 Dec 2025 | Company report |
| 28 | Crédit Agricole GroupFrance | 14.7 | Regional Bank customers active on website and app; separately the 'Ma Banque' app has 11.7m active users | Sept 2025 | Company report |
| 29 | BarclaysUnited Kingdom | 13.9 | Barclays UK digitally active customers (digital), excludes Tesco Bank | FY2025 (as at 31.12.25) | Company report |
| 30 | CaixaBankSpain | 13.7 | Digital customers, Group (Spain 12.7M + Portugal 1.0M); Spain definition: individual customers who have carried out one or more login operations on… | Dec 2025 | Company report |
| 31 | AkbankTürkiye | 13.2 | Number of active digital customers (million people); retail banking section separately states 12.5m digital active customers | FY2025 (Dec) | Company report |
| 32 | Erste GroupAustria | 11.0 | Digital: customers actively using George digital platform, retail, across 6 markets; lower bound 'more than eleven million' | FY2025 (at time of AR publication) | Stock-exchange filing |
| 33 | MaybankMalaysia | 10.8 | Number of three-month active digital users at the Group level | Dec 2025 | Company report |
| 34 | Shinhan Financial GroupSouth Korea | 10.3 | MAU of Shinhan Bank 'SOL Bank' app, based on internal managed data | FY2025 | Company report |
| 35 | Royal Bank of CanadaCanada | 10.3 | Active Digital Users - 90-day active customers in Canadian Banking only (digital); Active Mobile Users 8.339 million | Q4 FY2025 (spot, 31 Oct 2025) | Company report |
| 36 | Commonwealth Bank of AustraliaAustralia | 9.8 | Digitally active customers (digital): total customers who logged into NetBank or the CommBank mobile app (excl. CommBiz) at least once in the month… | FY2025 (June 2025, FY ending 30 Jun… | Company report |
| 37 | Mitsubishi UFJ Financial GroupJapan | 9.7 | Monthly active users (MAU) of Mitsubishi UFJ Direct, MUFG Bank's internet banking service (digital active, retail/individual customers) | FY2025 (FY ended Mar 2026) | Company report |
| 38 | BancolombiaColombia | 9.4 | Digital: clients using Bancolombia's digital channels each month (Bancolombia, Colombia; excludes Nequi's 27m+ clients) | FY2025 | Company report |
| 39 | Woori Financial GroupSouth Korea | 8.8 | Monthly active users of Woori WON Banking (Woori Bank main app) | End-Dec 2025 | SEC filing |
| 40 | Toronto-Dominion BankCanada | 8.6 | Canadian Personal and Commercial Banking users active on mobile in the past 90 days (mobile active; incl. Personal, Direct Investing and Business… | FY2025 (as of Oct 2025) | Company report |
| 41 | CredicorpPeru | 8.6 | Mobile banking active customers, BCP Stand-alone (Peru); retail + SME base as reported under Mobile Banking channel | FY2025 | SEC filing |
| 42 | CIBCCanada | 8.1 | Active Digital Banking Users - 90-day active clients in Canadian Personal Banking (digital: online and/or mobile) | Q4 FY2025 (spot, 31 Oct 2025) | Company report |
| 43 | Bank of JiangsuChina | 8.0 | Monthly active customers of mobile banking (Bank of Jiangsu App); App customers >22 million | End-2025 | Company report |
| 44 | HSBC HoldingsUnited Kingdom | 8.0 | Active mobile customers of HSBC UK (UK ring-fenced bank) mobile banking app; mobile active; not group-wide | FY2025 | Company report |
| 45 | Bank of BeijingChina | 7.9 | Mobile banking monthly active users; personal mobile banking customers 19.85 million; AR p35 states MAU 'over 7.8 million' | FY2025 (end-2025) | Company report |
| 46 | FirstRandSouth Africa | 7.8 | FNB digitally active customers; separately the banking app active transacting base was 6.32m customers in June 2025 | FY ended 30 June 2025 | Company report |
| 47 | HalkbankTürkiye | 7.2 | Total active digital customers: internet-only + mobile-only customers + those using both internet and mobile | Dec 2025 | Company report |
| 48 | PKO Bank PolskiPoland | 6.7 | Active mobile banking users: the number of mobile banking users who log into the bank from their mobile device at least once a month (PKO Bank… | Dec 2025 | Company report |
| 49 | Alinma BankSaudi Arabia | 6.5 | 'Active users' of the mobile app (smartphone users' logins basis) - mobile active | FY2025 | Company report |
| 50 | WestpacAustralia | 5.7 | Digitally active customers (digital), Australia: consumer and business customers with an authenticated session (incl. Quickzone) on Westpac Group… | 2H25 (as at Sep 2025; FY to 30 Sep 2025) | Company report |
| 51 | Absa GroupSouth Africa | 5.4 | Digitally active customers - total (table unit printed as 'Rm' but is millions of customers; limited assurance) | FY2025 (Dec) | Company report |
| 52 | Bank of MontrealCanada | 4.9 | Active digital users is number of retail deposit customers in North America that logged into online or mobile in the last 90 days | Q4 FY2025 (Oct 2025) | Company report |
| 53 | Standard Bank GroupSouth Africa | 4.7 | PPB South Africa digitally active clients (chart header says '(thousands)' but values are clearly millions, consistent with SA PPB active clients… | FY2025 (Dec) | Company report |
| 54 | Mizuho Financial GroupJapan | 4.6 | Mizuho Direct (retail internet/app banking) monthly active users, as of March of each fiscal year - digital active, retail | FY2025 (as of Mar 2026) | Company report |
| 55 | Industrial Bank of KoreaSouth Korea | 4.6 | Digital MAU based on i-ONE Banking (retail + corporate), excluding standard PC banking; corporate banking MAU separately 653,000 | 2025 (after i-ONE Bank 3.0 launch, Sep… | Company report |
| 56 | National Australia BankAustralia | 3.9 | Monthly digitally active banking customers (digital: NAB Mobile App and NAB Internet Banking, retail and SME), excludes Citi Consumer Business | Sep 2025 (FY to 30 Sep 2025) | Company report |
| 57 | Ecobank TransnationalTogo | 3.5 | Active digital users in Consumer and Commercial Banking (CCB), Group-wide; digital (mobile + online), not mobile-only; activity window not defined | FY2025 | Company report |
| 58 | Regions FinancialUnited States | 3.4 | Active digital customers (no further definition in report). Deck: Mobile Banking Active Users 2.68m in 4Q25 = unique customers who authenticated and… | FY2025 | Company report |
| 59 | Nedbank GroupSouth Africa | 3.4 | Digitally active PPB clients; separately Money app users in PPB 3.0m | FY2025 (Dec) | Company report |
| 60 | Bank of ShanghaiChina | 3.2 | Combined monthly active customers of personal mobile banking and the 'Meihao Shenghuo' app | 31 Dec 2025 | Company report |
| 61 | Fifth Third BancorpUnited States | 3.2 | Average Active Digital Users: at least one login to mobile or online banking during the quarter. Average Active Mobile Users 4Q25: 2.49m. | 4Q25 (quarterly average) | Company report |
| 62 | Grupo Financiero GaliciaArgentina | 3.0 | Banco Galicia monthly users of the mobile app (mobile, monthly active). Separately Naranja X: 3.9m active users (credit-card/fintech arm) | FY2025 | SEC filing |
| 63 | Citizens Financial GroupUnited States | 2.4 | Mobile active users (no definition given in Annual Review) | FY2025 | Company report |
| 64 | Emirates NBDUAE | 2.4 | ENBD X (retail mobile banking app) active users — mobile active; group has 'over 9 million active customers' across 13 countries | FY2025 | Company report |
| 65 | AIB GroupIreland | 2.4 | Digital: digitally active customers (group, personal and business) | FY2025 | Company report |
| 66 | Danske BankDenmark | 2.2 | Digital: active eBanking customers incl. Mobile Banking, group (Denmark 1.305m; Mobile Banking customers Denmark 1.054m) | Q4 2025 (end of period) | Company report |
| 67 | Banco de ChileChile | 2.2 | Digital: customers using Banco de Chile's digital channels during the month (total customer base) | Dec 2025 | SEC filing |
| 68 | KBC GroupBelgium | 2.1 | Mobile: clients using the KBC mobile app, Belgium business unit (home market) | Dec 2025 | Company report |
| 69 | Metropolitan Bank & TrustPhilippines | 1.9 | Digital: 90-day active retail digital users (Metrobank Online / Metrobank Online App transactors) | Dec 2025 | Company report |
| 70 | DNB BankNorway | 1.3 | Mobile: people actively using the DNB mobile banking app (personal customers, Norway; 2.4m personal customers) | FY2025 | Company report |
Tap a bank to see all its figures and its source.
Digital adoption: share of customers who bank digitally
The share of a bank's customers who actively use its digital channels, as reported by the bank. Banks measure this over different customer bases, so read the definition column.
| What the bank counts | Period | Source | |||
|---|---|---|---|---|---|
| 1 | BciChile | 94% | 'Usuarios digitales' - digital users as % of customers, Banca Personas (retail) key indicator; App Bci users 87% of customers | FY2025 | Company report |
| 2 | Yapı KrediTürkiye | 90%† | Share of active customers who have opted for digital banking, stated as '9 out of every 10 active customers' (approximate) | FY2025 | Company report |
| 3 | Grupo Financiero GaliciaArgentina | 89% | Share of Banco Galicia active customers who chose to operate through digital channels | FY2025 | SEC filing |
| 4 | CIBCCanada | 88.4% | Digital Adoption (Penetration) Rate, Canadian Personal Banking: share of digital registered customers engaged on CIBC Online and/or Mobile Banking at… | Q4 FY2025 (spot, 31 Oct 2025) | Company report |
| 5 | AkbankTürkiye | 87%† | 'Digital penetration' as reported in 2025 Highlights (+8 pts since end-2021); bank does not define the denominator in the highlight; retail section… | FY2025 | Company report |
| 6 | AIB GroupIreland | 85% | Personal current accounts that are digitally active | FY2025 | Company report |
| 7 | PKO Bank PolskiPoland | 84% | Share of digital customers in total number of customers (PKO Bank Polski) | 4Q25 (Dec 2025) | Company report |
| 8 | Nu Holdings (Nubank)Brazil | 83.4% | Activity rate = monthly active customers (customers that generated revenue in the last 30 calendar days) / total customers; group (Brazil, Mexico… | As of 31 Dec 2025 | SEC filing |
| 9 | NatWest GroupUnited Kingdom | 81.8% | Retail Banking customers with active current accounts that accessed a digital platform (online or mobile) and did not use branch or telephony in a… | FY2025 | Company report |
| 10 | Bank of IrelandIreland | 81% | Irish personal current account (PCA) customers who are digitally active | FY2025 | Company report |
| 11 | Dubai Islamic BankUAE | 80%† | 'Digital Penetration' KPI (share of customers who are digital users; bank's short description: 'increasing number of digital users reflecting… | FY2025 | Company report |
| 12 | CredicorpPeru | 79.9%† | BCP (Peru) 'digital client indicator' - share of BCP clients classified as digital clients; exact denominator not defined in the report | FY2025 (Dec 31, 2025) | Company report |
| 13 | MaybankMalaysia | 79.1%† | 'Group digital customer penetration' (Maybank Group; exact denominator not defined in AR - likely digital customers as % of retail customer base; not… | FY2025 (Dec 2025) | Company report |
| 14 | Bank of AmericaUnited States | 79% | % of Consumer Banking households digitally active: households with consumer bank login activities in a 90-day period | As of November 2025 (4Q25 deck) | Company report |
| 15 | Alinma BankSaudi Arabia | 76% | Digitally active customers - active customers who have done a minimum of one transaction in the last 30 days (as % of customers) | FY2025 | Company report |
| 16 | Saudi Awwal Bank (SAB)Saudi Arabia | 73% | Share of WPB active customer base actively transacting across SAB's 280+ digital services (the activity-based measure); the 93% is 'digital users'… | FY2025 | Company report |
| 17 | Raiffeisen Bank InternationalAustria | 70% | Share of (retail) customers actively using mobile banking, RBI Group CEE retail network | FY2025 | Company report |
| 18 | OTP BankHungary | 70% | Share of OTP Bank Hungary clients who are digitally active (home market only) | FY2025 | Company report |
| 19 | Banco SabadellSpain | 68% | Customers active on digital channels in the last three months as % of total retail customer base (Banco Sabadell, Spain-focused directors' report) | FY2025 | Company report |
| 20 | Crédit Agricole GroupFrance | 64% | Share of Regional Bank customers who used the website and app in 2025 (Regional Banks only) | 2025 (active customers as at Sept 2025) | Company report |
| 21 | Banco BPMItaly | 64% | % customers making online transactions against total customers making transactions (transaction-active digital users); of these, 82.2% transact via… | End of 2025 | Company report |
| 22 | Royal Bank of CanadaCanada | 62.9% | Digital Personal Adoption Rate, Canadian Banking - calculated using 90-day digital active personal clients | Q4 FY2025 (quarter ended 31 Oct 2025) | Company report |
| 23 | Toronto-Dominion BankCanada | 58% | U.S. Retail (TD Bank, America's Most Convenient Bank) only - Digital Adoption: active digital users (logged in online or mobile in last 90 days) as %… | FY2025 (year ended 31 Oct 2025) | Company report |
| 24 | Desjardins GroupCanada | 58%† | Adoption rate of Desjardins mobile services (members/clients; exact base and activity window not stated); 85% among young people | End of 2025 (FY Dec 2025) | Company report |
| 25 | Nedbank GroupSouth Africa | 45% | Percentage of digitally active PPB (Personal and Private Banking) retail clients, % of total active PPB clients (LT target >70%) | FY2025 (Dec) | Company report |
† The bank does not state the exact customer base or activity window behind this figure.
Tap a bank to see all its figures and its source.
Digital sales: share of retail sales made through digital channels
Banks that report the digital share of their retail (or consumer) product sales across products. Figures that cover a single product, such as new savings accounts only, are listed separately below the table and are not ranked.
| What the bank counts | Period | Source | |||
|---|---|---|---|---|---|
| 1 | Emirates NBDUAE | 97% | Digital sourcing of accounts, cards and loans (share of new accounts/cards/loans sourced digitally), Emirates NBD | FY2025 | Company report |
| 2 | Lloyds Banking GroupUnited Kingdom | 95% | Share of Retail sales via digital channels ('more than 95%') | FY2025 | Company report |
| 3 | MaybankMalaysia | 88.3% | 'Group digital sales penetration' (not further defined in AR) | FY2025 | Company report |
| 4 | HDFC BankIndia | 86% | Share of all new retail products sourced digitally | FY2025-26 (year to 31 Mar 2026) | Company report |
| 5 | AIB GroupIreland | 86% | Share of key products sold digitally | FY2025 | Company report |
| 6 | BBVASpain | 78.8% | Digital sales as % of total units sold (Group); 57.3% by Product Relative Value (PRV) | FY2025 | Company report |
| 7 | Türkiye İş BankasıTürkiye | 76.4% | Share of digital channels in (retail) sales; by number of retail loan sales the digital share reached 91% | FY2025 | Company report |
| 8 | Nedbank GroupSouth Africa | 73% | Digital product sales in PPB as % of total sales (sales concluded through digital channels as % of new sales); MT target 90% | FY2025 (Dec) | Company report |
| 9 | Bank of AmericaUnited States | 69% | % Consumer sales through digital channels (Consumer Banking) | 4Q25 (quarter) | Company report |
| 10 | Erste GroupAustria | 67% | Digital sales share, retail (Retail and Savings Banks segments), incl. assisted digital sales | FY2025 (Q4 2025 slide) | Company report |
| 11 | BancolombiaColombia | 62.3% | Accumulated digital sales penetration, Bancolombia (8.1m units sold digitally) | FY2025 (cumulative year) | Company report |
| 12 | OTP BankHungary | 60% | Digital sales share, OTP Bank Hungary; stated as 'nearly 60%' (approximate) | FY2025 | Company report |
| 13 | KBC GroupBelgium | 57% | Digital sales as % of total sales, weighted average of selected core banking products, group (insurance: 30%) | FY2025 | Company report |
| 14 | Raiffeisen Bank InternationalAustria | 56% | Lifetime contribution value from digital sales as share of total Retail sales (value-based, not units); lower bound 'above 56 per cent' | FY2025 | Company report |
| 15 | WestpacAustralia | 50% | Digital sales, consumer only: percentage of quality sales that were digitally initiated in a 12-week period (0.45m digital sales) | 2H25 (FY to 30 Sep 2025) | Company report |
| 16 | CommerzbankGermany | 50% | Share of product sales (Produktabschlüsse) under the Commerzbank brand (Private and Small-Business Customers, Germany) completed digitally; excludes… | FY2025 (AR 2025, 'bereits heute') | Company report |
| 17 | CIBCCanada | 44.9% | Digital sales, Canadian Personal Banking: applications initiated in a digital channel, core retail (acquisition) sales units only - deposits, cards… | Q4 FY2025 (quarter ended 31 Oct 2025) | Company report |
| 18 | Bank of MontrealCanada | 38% | YTD digital sales as % of total retail core product sales (Chequing, Savings, Credit Cards, Loans) | FY2025 YTD (Nov 2024-Oct 2025) | Company report |
| 19 | Truist FinancialUnited States | 37% | Consumer and Small Business Banking: digital sales as a % of total; digital sales defined as products opened through digital applications | 4Q25 (quarter) | Company report |
| 20 | Toronto-Dominion BankCanada | 36% | U.S. Retail only - Digital Sales share, based on U.S. consumer banking and small business banking. Canadian digital sales share not disclosed. | FY2025 (year ended 31 Oct 2025) | Company report |
| 21 | BanorteMexico | 32% | Digital sales as share of the bank's total sales | FY2025 | Company report |
Not ranked. Single-product or onboarding measures: Bank of Baroda 94% (Share of new savings account (SA) acquisition done digitally…); Banco Sabadell 90% (Retail loans taken out via remote channels as % of total retail loans…); Riyad Bank 72% (Share of New-to-Bank (retail) customers onboarded digitally (account…); Itaú Unibanco 68% (Share of all new accounts opened through digital channels (account…); State Bank of India 66.2% (Share of new savings bank (SB) accounts opened through digital…); Arab National Bank 59% ('Product digital fulfillment' for personal loans (product-specific…); Credicorp 56.4% (Digital sales as share of total unsecured consumer loans sold (BCP…); Bankinter 52% (Share of new retail clients acquired through 100% digital accounts vs…); Al Rajhi Bank 44% (Share of all retail financing initiated through digital channels…); Bradesco 44% (Share of credit disbursed through digital channels (credit only)); UOB 37% (Share of unit trust sales made via digital wealth (customers…); Fifth Third Bancorp 31% (Digital Originations - New Consumer Deposit Accounts: share of new…); Saudi Awwal Bank (SAB) 31% (Asset (lending) digital sales as % of total asset sales, Wealth &…); Bank Mandiri 18.6% (% of Digital Loans Booking via Livin' to Overall Booking (digital and…); Alinma Bank 18% (Share of personal finance (PF) sales initiated digitally (87% of PF…); Scotiabank 15% (Canadian Banking - share of sales REVENUE from digital AND virtual…).
Tap a bank to see all its figures and its source.
Best-rated banking apps
Average customer rating (out of 5) of each bank's main retail app on the Apple App Store in its home country, for apps with at least 10,000 ratings. Ratings captured on 8 October 2026; ties are broken by the number of ratings.
| Source | |||||
|---|---|---|---|---|---|
| 1 | E.Sun FinancialTaiwan | 4.90 | 玉山行動銀行 | 282,788 | App Store |
| 2 | Shanghai Pudong Development BankChina | 4.89 | 浦发银行 | 453,436 | App Store |
| 3 | China Merchants BankChina | 4.88 | 招商银行 | 6,234,168 | App Store |
| 4 | CitigroupUnited States | 4.88 | Citi Mobile® | 4,105,866 | App Store |
| 5 | CTBC Financial HoldingTaiwan | 4.88 | 中國信託行動銀行 | 822,530 | App Store |
| 6 | Bank of NingboChina | 4.88 | 宁波银行 | 84,296 | App Store |
| 7 | CIMB GroupMalaysia | 4.87 | CIMB OCTO MY | 163,517 | App Store |
| 8 | BTG PactualBrazil | 4.87 | BTG Pactual Banking | 141,438 | App Store |
| 9 | Ping An BankChina | 4.86 | 平安口袋银行-更懂您的智能银行 | 511,419 | App Store |
| 10 | Goldman SachsUnited States | 4.86 | Marcus by Goldman Sachs® | 272,429 | App Store |
| 11 | Banco de ChileChile | 4.86 | Mi Banco Chile | 160,598 | App Store |
| 12 | Capital OneUnited States | 4.85 | Capital One Mobile | 11,161,541 | App Store |
| 13 | Wells FargoUnited States | 4.85 | Wells Fargo Mobile® | 10,803,577 | App Store |
| 14 | Industrial BankChina | 4.85 | 兴业银行手机银行 | 520,523 | App Store |
| 15 | Regions FinancialUnited States | 4.85 | Regions Mobile | 520,380 | App Store |
| 16 | M&T BankUnited States | 4.85 | M&T Mobile Banking | 366,363 | App Store |
| 17 | BciChile | 4.85 | Bci | 73,178 | App Store |
| 18 | Bank of ShanghaiChina | 4.85 | 上海银行手机银行 | 41,729 | App Store |
| 19 | ICBCChina | 4.84 | 中国工商银行 | 6,780,989 | App Store |
| 20 | PNC Financial ServicesUnited States | 4.84 | PNC Mobile Banking | 2,056,900 | App Store |
| 21 | Huntington BancsharesUnited States | 4.84 | Huntington Mobile Banking | 284,661 | App Store |
| 22 | JPMorgan ChaseUnited States | 4.83 | Chase Mobile®: Bank & Invest | 9,541,371 | App Store |
| 23 | Lloyds Banking GroupUnited Kingdom | 4.83 | Lloyds Mobile Banking | 2,614,435 | App Store |
| 24 | BarclaysUnited Kingdom | 4.82 | Barclays | 2,105,884 | App Store |
| 25 | Nu Holdings (Nubank)Brazil | 4.82 | Nubank: Conta, Cartão e mais | 1,649,351 | App Store |
| 26 | FirstRandSouth Africa | 4.82 | FNB Banking App | 368,471 | App Store |
| 27 | Bank of AmericaUnited States | 4.81 | Bank of America Mobile Banking | 5,025,196 | App Store |
| 28 | Agricultural Bank of ChinaChina | 4.81 | 中国农业银行 | 4,599,104 | App Store |
| 29 | HSBC HoldingsUnited Kingdom | 4.81 | HSBC UK Mobile Banking | 1,717,689 | App Store |
| 30 | PKO Bank PolskiPoland | 4.81 | IKO – PKO Bank Polski | 589,266 | App Store |
| 31 | Truist FinancialUnited States | 4.80 | Truist Mobile | 1,109,823 | App Store |
| 32 | Erste GroupAustria | 4.80 | George Österreich | 425,161 | App Store |
| 33 | MashreqUAE | 4.80 | Mashreq UAE - Digital Banking | 142,632 | App Store |
| 34 | Riyad BankSaudi Arabia | 4.80 | Riyad Bank App | 107,440 | App Store |
| 35 | Public BankMalaysia | 4.80 | MyPB by Public Bank | 91,354 | App Store |
| 36 | Arab National BankSaudi Arabia | 4.80 | anb - arab national bank | 75,255 | App Store |
| 37 | U.S. BancorpUnited States | 4.79 | U.S. Bank Mobile Banking | 2,140,025 | App Store |
| 38 | Nationwide Building SocietyUnited Kingdom | 4.79 | Nationwide Mobile Banking | 744,261 | App Store |
| 39 | Axis BankIndia | 4.79 | Axis Bank Mobile Banking | 367,272 | App Store |
| 40 | Yapı KrediTürkiye | 4.78 | Yapı Kredi Mobile | 1,602,525 | App Store |
| 41 | NatWest GroupUnited Kingdom | 4.78 | NatWest Mobile Banking | 1,155,508 | App Store |
| 42 | UOBSingapore | 4.78 | UOB TMRW | 165,028 | App Store |
| 43 | Equity GroupKenya | 4.78 | Equity Mobile | 40,405 | App Store |
| 44 | T.C. Ziraat BankasıTürkiye | 4.77 | Ziraat Mobil | 1,715,732 | App Store |
| 45 | Banco SantanderSpain | 4.77 | Santander España | 462,390 | App Store |
| 46 | CredicorpPeru | 4.77 | Banca Móvil BCP | 301,318 | App Store |
| 47 | Industrial Bank of KoreaSouth Korea | 4.77 | i-ONE Bank - 개인고객용 | 228,285 | App Store |
| 48 | Desjardins GroupCanada | 4.77 | Desjardins mobile services | 198,077 | App Store |
| 49 | Alinma BankSaudi Arabia | 4.77 | Alinma App - تطبيق الإنماء | 156,580 | App Store |
| 50 | Banco do BrasilBrazil | 4.76 | BB: Banco, Cartão, Crédito | 4,235,454 | App Store |
| 51 | AkbankTürkiye | 4.76 | Akbank Mobile | 1,730,215 | App Store |
| 52 | ICICI BankIndia | 4.76 | iMobile: Loan, Cards & Banking | 1,096,186 | App Store |
| 53 | HDFC BankIndia | 4.76 | HDFC Bank App: Banking & Cards | 467,576 | App Store |
| 54 | National Bank of CanadaCanada | 4.76 | NBC mobile application | 278,586 | App Store |
| 55 | National Australia BankAustralia | 4.76 | NAB Mobile Banking | 235,043 | App Store |
| 56 | BBVASpain | 4.76 | BBVA España | Banca Online | 177,098 | App Store |
| 57 | Citizens Financial GroupUnited States | 4.75 | Citizens Bank Mobile Banking | 750,049 | App Store |
| 58 | Bank of CommunicationsChina | 4.75 | 交通银行 | 211,702 | App Store |
| 59 | Kotak Mahindra BankIndia | 4.75 | Kotak Bank: 811 Mobile App | 183,670 | App Store |
| 60 | CaixaBankSpain | 4.74 | CaixaBankNow・Tu Banco móvil | 511,490 | App Store |
| 61 | Absa GroupSouth Africa | 4.74 | Absa Banking | 254,353 | App Store |
| 62 | Royal Bank of CanadaCanada | 4.74 | RBC Mobile | 211,967 | App Store |
| 63 | OCBCSingapore | 4.74 | OCBC Singapore | 148,761 | App Store |
| 64 | Grupo Financiero GaliciaArgentina | 4.74 | Galicia - El banco en tu celu | 102,161 | App Store |
| 65 | Mega Financial HoldingTaiwan | 4.74 | 兆豐銀行 | 80,990 | App Store |
| 66 | BradescoBrazil | 4.73 | Banco Bradesco | 3,138,448 | App Store |
| 67 | ANZ GroupAustralia | 4.73 | ANZ Australia | 968,855 | App Store |
| 68 | Emirates NBDUAE | 4.73 | ENBD X | 321,957 | App Store |
| 69 | UBS GroupSwitzerland | 4.73 | UBS & UBS key4 | 209,621 | App Store |
| 70 | Shinhan Financial GroupSouth Korea | 4.73 | 신한 슈퍼SOL - 신한 유니버셜 금융 앱 | 100,626 | App Store |
| 71 | Banco BPMItaly | 4.73 | YouApp - Banco BPM | 100,150 | App Store |
| 72 | Standard Bank GroupSouth Africa | 4.72 | Standard Bank / Stanbic Bank | 270,772 | App Store |
| 73 | KeyCorpUnited States | 4.72 | KeyBank Mobile Banking | 256,374 | App Store |
| 74 | OTP BankHungary | 4.72 | OTP Bank HU | 231,235 | App Store |
| 75 | DZ BANK GroupGermany | 4.71 | VR Banking - einfach sicher | 544,264 | App Store |
| 76 | Commonwealth Bank of AustraliaAustralia | 4.71 | CommBank | 300,237 | App Store |
| 77 | Toronto-Dominion BankCanada | 4.71 | TD Canada | 234,987 | App Store |
| 78 | Abu Dhabi Islamic BankUAE | 4.70 | ADIB Mobile Banking | 255,127 | App Store |
| 79 | Itaú UnibancoBrazil | 4.69 | Banco Itaú: Conta, Cartão e + | 3,230,710 | App Store |
| 80 | ScotiabankCanada | 4.69 | Scotiabank | 1,092,368 | App Store |
| 81 | China Construction BankChina | 4.69 | 中国建设银行 | 1,089,270 | App Store |
| 82 | Groupe BPCEFrance | 4.69 | Banxo - Caisse d'Epargne | 855,179 | App Store |
| 83 | CommerzbankGermany | 4.69 | Commerzbank Banking | 487,800 | App Store |
| 84 | Deutsche BankGermany | 4.69 | Deutsche Bank | 414,333 | App Store |
| 85 | Kuwait Finance HouseKuwait | 4.69 | KFH Online | 118,565 | App Store |
| 86 | National Bank of KuwaitKuwait | 4.69 | NBK Mobile Banking | 86,541 | App Store |
| 87 | Hana Financial GroupSouth Korea | 4.69 | 하나은행, 새로워진 하나원큐를 경험해 보세요 | 19,872 | App Store |
| 88 | Postal Savings Bank of ChinaChina | 4.68 | 邮储银行 | 639,840 | App Store |
| 89 | Standard CharteredUnited Kingdom | 4.68 | SC Mobile Hong Kong | 119,023 | App Store |
| 90 | Abu Dhabi Commercial BankUAE | 4.68 | ADCB | 113,010 | App Store |
| 91 | Attijariwafa BankMorocco | 4.68 | Attijari Mobile | 51,276 | App Store |
| 92 | BNP ParibasFrance | 4.67 | Mes Comptes BNP Paribas | 501,902 | App Store |
| 93 | Société GénéraleFrance | 4.67 | L'Appli SG | 384,022 | App Store |
| 94 | DNB BankNorway | 4.67 | DNB Mobile Bank | 246,205 | App Store |
| 95 | DBS GroupSingapore | 4.67 | DBS digibank | 159,112 | App Store |
| 96 | Banco MacroArgentina | 4.67 | Nueva App Macro | 53,407 | App Store |
| 97 | Saudi National BankSaudi Arabia | 4.66 | SNB Mobile | 803,763 | App Store |
| 98 | VakıfBankTürkiye | 4.66 | VakıfBank Mobil Bankacılık | 506,060 | App Store |
| 99 | Bank Rakyat IndonesiaIndonesia | 4.66 | BRImo BRI | 187,097 | App Store |
| 100 | Saudi Awwal Bank (SAB)Saudi Arabia | 4.66 | SAB Mobile | 61,487 | App Store |
| 101 | Al Rajhi BankSaudi Arabia | 4.65 | AlRajhi Mobile | 3,626,153 | App Store |
| 102 | Mitsubishi UFJ Financial GroupJapan | 4.65 | 三菱ＵＦＪ銀行 | 1,236,926 | App Store |
| 103 | BPER BancaItaly | 4.65 | BPER | 192,356 | App Store |
| 104 | AIB GroupIreland | 4.65 | AIB Mobile | 126,509 | App Store |
| 105 | Ally FinancialUnited States | 4.65 | Ally: Bank, Auto & Invest | 113,585 | App Store |
| 106 | KBC GroupBelgium | 4.64 | KBC Mobile | 273,657 | App Store |
| 107 | Crédit Agricole GroupFrance | 4.63 | Ma Banque | 916,237 | App Store |
| 108 | Bank of BarodaIndia | 4.63 | bob World:Banking & Experience | 136,352 | App Store |
| 109 | First Abu Dhabi BankUAE | 4.63 | FAB Mobile | 114,488 | App Store |
| 110 | MediobancaItaly | 4.63 | Mediobanca Premier | 44,383 | App Store |
| 111 | ING GroupNetherlands | 4.62 | ING Nederland | 720,418 | App Store |
| 112 | Banco SabadellSpain | 4.62 | App Banco Sabadell | 346,331 | App Store |
| 113 | BayernLBGermany | 4.62 | DKB | 305,034 | App Store |
| 114 | Sumitomo Mitsui Financial GroupJapan | 4.61 | 三井住友銀行アプリ | 1,175,189 | App Store |
| 115 | Intesa SanpaoloItaly | 4.61 | Intesa Sanpaolo Mobile | 769,389 | App Store |
| 116 | ABN AMRONetherlands | 4.61 | ABN AMRO | 479,224 | App Store |
| 117 | KB Financial GroupSouth Korea | 4.61 | KB스타뱅킹 | 134,379 | App Store |
| 118 | Banque Saudi FransiSaudi Arabia | 4.61 | BSF Mobile | 90,596 | App Store |
| 119 | Qatar Islamic BankQatar | 4.61 | QIB MOBILE | 20,352 | App Store |
| 120 | UniCreditItaly | 4.60 | Mobile Banking UniCredit | 631,979 | App Store |
| 121 | SEBSweden | 4.60 | SEB | 34,723 | App Store |
| 122 | Bank of NanjingChina | 4.60 | 南京银行 | 21,579 | App Store |
| 123 | Crédit Mutuel GroupFrance | 4.59 | Crédit Mutuel, Banque en ligne | 606,468 | App Store |
| 124 | Access HoldingsNigeria | 4.59 | Access More | 374,006 | App Store |
| 125 | First Citizens BancSharesUnited States | 4.59 | First Citizens Mobile Banking | 40,029 | App Store |
| 126 | Türkiye İş BankasıTürkiye | 4.58 | İşCep | 2,119,019 | App Store |
| 127 | Bank of MontrealCanada | 4.58 | BMO Mobile Banking | 114,624 | App Store |
| 128 | Resona HoldingsJapan | 4.57 | りそなグループアプリ | 508,167 | App Store |
| 129 | Guaranty Trust HoldingNigeria | 4.57 | GTWorld | 134,534 | App Store |
| 130 | RabobankNetherlands | 4.55 | Rabobank | 834,303 | App Store |
| 131 | La Banque PostaleFrance | 4.54 | La Banque Postale : mon compte | 796,946 | App Store |
| 132 | Union Bank of IndiaIndia | 4.53 | Union ease - Mobile Banking | 12,162 | App Store |
| 133 | China Guangfa BankChina | 4.52 | 发现精彩-广发银行 | 101,112 | App Store |
| 134 | Mizuho Financial GroupJapan | 4.51 | みずほ銀行アプリ | 364,894 | App Store |
| 135 | WestpacAustralia | 4.51 | Westpac | 59,959 | App Store |
| 136 | HalkbankTürkiye | 4.50 | Halkbank Mobil | 392,825 | App Store |
| 137 | Dubai Islamic BankUAE | 4.50 | DIB alt mobile banking app | 22,864 | App Store |
| 138 | Bank of Africa (BMCE)Morocco | 4.50 | BMCE Direct | 11,330 | App Store |
| 139 | NordeaFinland | 4.49 | Nordea Mobile - Finland | 200,814 | App Store |
| 140 | Japan Post BankJapan | 4.48 | ゆうちょ通帳アプリ-銀行 アプリ | 216,041 | App Store |
| 141 | Danske BankDenmark | 4.48 | Mobilbank DK – Danske Bank | 19,307 | App Store |
| 142 | Nedbank GroupSouth Africa | 4.46 | Nedbank Money | 54,212 | App Store |
| 143 | Woori Financial GroupSouth Korea | 4.46 | 우리WON뱅킹 | 19,779 | App Store |
| 144 | BanorteMexico | 4.43 | Banorte Móvil | 157,635 | App Store |
| 145 | Boubyan BankKuwait | 4.42 | The Boubyan App | 42,861 | App Store |
| 146 | InbursaMexico | 4.40 | Inbursa Móvil | 17,478 | App Store |
| 147 | SwedbankSweden | 4.37 | Swedbank privat | 22,931 | App Store |
| 148 | Norinchukin BankJapan | 4.36 | ＪＡバンクアプリ | 155,757 | App Store |
| 149 | Bank of IrelandIreland | 4.34 | Bank of Ireland Mobile Banking | 28,861 | App Store |
| 150 | Sumitomo Mitsui Trust GroupJapan | 4.25 | 三井住友信託スマートライフデザイナー | 29,252 | App Store |
| 151 | CIBCCanada | 4.22 | CIBC Mobile Banking | 27,867 | App Store |
| 152 | Caixa Econômica FederalBrazil | 4.11 | CAIXA | 295,600 | App Store |
| 153 | BankinterSpain | 4.03 | Bankinter Móvil | 12,315 | App Store |
| 154 | Canara BankIndia | 4.02 | Canara ai1- Mobile Banking App | 51,001 | App Store |
| 155 | Bangkok BankThailand | 4.02 | Bangkok Bank Mobile Banking | 36,549 | App Store |
| 156 | Bank of BeijingChina | 4.00 | 北京银行 | 11,790 | App Store |
| 157 | Punjab National BankIndia | 3.82 | PNB ONE | 36,377 | App Store |
| 158 | United Bank for AfricaNigeria | 3.82 | UBA Mobile Banking | 34,682 | App Store |
| 159 | State Bank of IndiaIndia | 3.77 | YONO SBI: Banking, UPI & Pay | 179,176 | App Store |
| 160 | KasikornbankThailand | 3.69 | K PLUS | 33,456 | App Store |
| 161 | BancolombiaColombia | 3.60 | Mi Bancolombia | 12,511 | App Store |
| 162 | China Minsheng BankChina | 3.54 | 民生银行 | 11,484 | App Store |
| 163 | Krung Thai BankThailand | 3.42 | Krungthai NEXT | 53,150 | App Store |
| 164 | Bank Central AsiaIndonesia | 3.23 | BCA mobile | 35,436 | App Store |
| 165 | China CITIC BankChina | 3.11 | 中信银行 | 20,331 | App Store |
| 166 | China Everbright BankChina | 3.05 | 光大银行 | 11,138 | App Store |
| 167 | Bank of ChinaChina | 3.04 | 中国银行 | 62,067 | App Store |
| 168 | MaybankMalaysia | 2.69 | MAE by Maybank2u | 25,075 | App Store |
| 169 | Bank MandiriIndonesia | 2.26 | Livin' by Mandiri | 31,594 | App Store |
| 170 | Metropolitan Bank & TrustPhilippines | 1.84 | Metrobank App | 10,679 | App Store |
Tap a bank to see all its figures and its source.
How the rankings are built
Methodology
Every figure in these tables comes from the bank's own published documents, and every row links to the document it came from.
01Sources
Every figure in these tables was taken from the bank's own annual report, integrated or sustainability report, results presentation or an official stock-exchange filing, and every row links to the document it came from. News reports, surveys, awards and third-party databases were not used as sources. Figures that a bank does not publish are left out rather than estimated.
02Who is included
All 201 banking groups in the 2026 TGB Bank Rankings were researched. A bank appears in a table only if it discloses that measure for its financial year ending in 2025 (for Japanese and Indian banks, the year to 31 March 2026). Figures for an earlier year are not used.
03Checking
Every figure was extracted with its page number and the exact sentence it comes from. The leading entries in each table were then re-opened and checked a second time by a separate researcher; figures that turned out to measure something different (for example registered rather than active users, or social rather than green bonds) were corrected or removed.
04Measures
- Active digital users: customers who used the bank's mobile app or online banking within the bank's activity window (usually the past month or 90 days). Registered, enrolled or subscribed users are excluded. Where a bank reports several apps together, the definition column says so.
- Digital adoption: digitally active customers as a share of the bank's customers, as the bank reports it.
- Digital share of sales: the share of retail or consumer product sales (by units or value, as reported) made through digital channels. Single-product measures are listed but not ranked.
- App rating: the average rating and number of ratings of the bank's main retail app on the Apple App Store in its home country, captured on 8 October 2026. Apps with fewer than 10,000 ratings are not ranked.
05Digital Leaders
A bank is a Digital Leader if it ranks in the top quarter of at least two of the four tables. There is no combined score: banks disclose different things, and a single score would require estimates.
06Comparability
- Banks define activity and customer bases differently; the definition column shows each bank's own wording, summarised.
- Some figures cover a home market or a retail division only, as noted.
- App ratings reflect one store in one country and change over time.
07Corrections
Found an error? Email [email protected] with the bank's filing and we will review it within five working days.
Report a figureQuestions and answers
Questions and answers
Short answers drawn from the tables on this page.
01Which large banks lead in digital banking in 2026?
Based on the banks' own FY2025 disclosures, the 2026 TGB Digital Leaders are Lloyds Banking Group, AIB Group, Agricultural Bank of China, Bank of America, Bci, China Merchants Bank, Citigroup, ICBC, Industrial Bank, JPMorgan Chase, Wells Fargo, Yapı Kredi. Each ranks in the top quarter of at least two of four measures: active digital users, digital adoption, digital share of sales and app rating.
02Which bank has the most digital customers?
ICBC reports the largest active digital user base (290 million), followed by Agricultural Bank of China (276 million) and China Construction Bank (246 million). Among banks outside China, JPMorgan Chase leads.
03Which banks have the best mobile banking apps?
On the Apple App Store in their home markets (apps with at least 10,000 ratings), the highest-rated large-bank apps are those of E.Sun Financial, Shanghai Pudong Development Bank, China Merchants Bank, Citigroup, CTBC Financial Holding. Ratings were captured on 8 October 2026.
04How are these rankings different from awards?
No bank applied, paid or was surveyed. Every figure comes from the bank's own published documents and links to its source, and banks that do not publish a figure are simply not listed for that measure.
TGB Research
Methodology, data and custom cuts
Institutions can request the full dataset, peer-group comparisons and ranking certificates from The Global Banker's research desk.