Looking for the best mobile banking apps in Canada? Here’s a quick rundown of the top options in 2025, based on user satisfaction, features, and security.

• CIBC: Ranked #1 in mobile app satisfaction (641/1,000). Offers robust features like Interac e-Transfers, bill payments, and free Equifax credit score access.
• TD Canada Trust: Second in satisfaction (631/1,000), with tools for budgeting, investments, and seamless account management.
• BMO: Known for its strong security and feature set, scoring high in online banking satisfaction (645/1,000).
• RBC: Reliable with broad functionality, scoring 632/1,000 in mobile app satisfaction.
• Tangerine: A top choice for credit card users, scoring 669/1,000 in credit card app satisfaction.
• EQ Bank: Focused on high-interest savings and no-fee banking, with a simple user interface.
• Simplii Financial: Great for students with tailored programs and cashback credit card integration.
• Scotiabank: Improved rankings in 2025, offering polished design and essential banking tools.
• Motusbank: Simple and reliable, covering basic banking needs with strong security.
• Wealth One Bank of Canada: Niche app catering to Chinese-Canadian and international clients with bilingual support and international remittance tools.

Key takeaway: CIBC leads in satisfaction, but each app has strengths tailored to specific needs. Whether you prioritize savings, credit card tools, or advanced features, there’s an option for everyone.

Quick Comparison:

Choose an app that aligns with your banking habits and priorities.

I Ranked Every Bank Account in Canada 2025

EQ Bank offers Canadians a digital-first approach to banking, focusing on high-interest savings and hassle-free account management. With no monthly fees and competitive rates, it’s designed to simplify your financial life.

User Interface and Experience

The EQ Bank mobile app is all about simplicity. Its minimalist design prioritizes ease of use, making it straightforward to check balances, transfer money, and manage savings. With a Peer Experience Score of 49% in the 2024 Canadian Mobile Banking Experience Rankings ^[4], the app provides a consistent experience across both mobile and desktop platforms. However, users who prefer more advanced customisation or detailed dashboards may find the app’s design somewhat basic compared to traditional banks.

Mobile Features

The app covers essential banking tasks like e-Transfers, bill payments, and savings management with ease. You can manage multiple savings accounts, automate transfers, and track progress toward your financial goals. While it excels in savings-focused features, its budgeting tools are relatively simple, lacking the in-depth spending trackers and financial insights offered by some competitors.

Security Measures

When it comes to security, EQ Bank sticks to standard Canadian protocols. The app supports biometric authentication for quick and secure logins, encrypts data during transactions, and sends real-time notifications for account activity. While it doesn’t include advanced fraud detection tools or highly customisable security settings, it meets all regulatory requirements to protect your personal information.

Customer Satisfaction Ratings

With a 3.9-star rating on Google Play based on over 52,400 reviews ^[5], EQ Bank is recognised for its reliability and ease of use. Its no-fee structure and competitive savings rates are major draws. However, its lower Peer Experience Score highlights areas for improvement, particularly in terms of feature depth and interface design.

Next, let’s explore how traditional banks combine extensive services with advanced mobile features.

2. CIBC Mobile Banking App

CIBC’s mobile banking app blends the trusted reputation of one of Canada’s Big Five banks with the convenience of modern digital tools. It offers a well-rounded experience designed to cater to both loyal customers and those who prefer a tech-forward approach to banking.

User Interface and Experience

The app stands out with its sleek, intuitive design, making everyday banking tasks – like checking balances, reviewing transactions, and managing multiple accounts – quick and effortless. According to Surviscor‘s 2025 rankings, the app has secured top spots in eight of the last nine years^[3]. Its layout focuses on simplicity and practicality, ensuring users can accomplish essential tasks in just a few taps.

Mobile Features

CIBC’s app is packed with features that make banking on the go seamless. Users can send Interac e-Transfers, pay bills or set up scheduled payments, deposit cheques remotely, and even access their free Equifax credit score. Additional tools include a currency converter and travel emergency contact information. For added convenience, the app supports recurring payments and offers secure login options like fingerprint and Face ID. Real-time notifications keep users updated on the status of credit card applications, loan requests, and other services.

Security Measures

Security is a top priority for the CIBC mobile app. With biometric authentication through fingerprint and Face ID, users can access their accounts securely without relying on traditional passwords. While the technical specifics aren’t disclosed, CIBC complies with Canadian banking regulations and industry standards to ensure data protection and reduce the risk of unauthorised access. This focus on security underscores CIBC’s dedication to providing safe and reliable digital banking.

Customer Satisfaction Ratings

CIBC’s mobile app consistently earns high marks from users and industry experts alike. In the 2025 J.D. Power Canada Banking and Credit Card Mobile App Satisfaction Study, it ranked first among Canadian banks with a score of 641 out of 1,000, edging out TD, which scored 631^[1]. On Google Play, the app boasts a 3.9-star rating from over 52,400 reviews and has been downloaded more than 5 million times as of November 2025^[5]. It also ranks #2 in Google Play’s finance category^[6]. Beyond mobile, CIBC leads in online banking satisfaction as well, scoring 650 – outperforming BMO’s 645 and RBC’s 632^[1]. The J.D. Power study, based on feedback from 9,857 retail bank and credit card customers surveyed between January and March 2025, highlighted an average satisfaction score of 629 for Canadian banking apps, with CIBC coming out ahead^[1]. Users frequently commend the app for its reliability and robust features, with many noting it eliminates the need for desktop banking altogether.

Next, RBC combines its extensive branch network with a suite of advanced mobile features.

3. RBC Mobile App

The RBC mobile app provides a dependable digital banking experience, leveraging the extensive resources of one of Canada’s largest banks. While it may not always lead in satisfaction rankings, it offers a well-rounded suite of features that cater to a wide range of banking needs.

User Interface and Experience

The app’s design is clean and user-friendly, making it easy to access key functions. Logging in is straightforward, and navigating between accounts is smooth and intuitive. Many users appreciate how reliably the app handles everyday tasks like checking balances, reviewing transactions, and managing multiple accounts.

Mobile Features

RBC’s app is packed with tools to simplify banking on the go. Users can send Interac e-Transfers, pay bills, deposit cheques, manage payments, and even track their spending through budgeting features. It’s available for both iOS and Android devices, with regular updates aimed at improving performance and introducing new functionalities.

Security Measures

Security is a top priority for RBC. The app includes biometric authentication options like fingerprint and facial recognition, along with real-time fraud monitoring. Secure messaging is also available, ensuring that users can communicate safely with the bank. These measures meet all regulatory standards and help instil confidence in users.

Customer Satisfaction Ratings

In the 2025 J.D. Power Canada Banking Mobile App Satisfaction Study, RBC scored 632 out of 1,000, placing third among major Canadian banks. It trailed slightly behind CIBC (641) but edged out TD (631)^[1]. In the 2024 Surviscor Canadian Mobile Banking Experience Rankings, RBC ranked fifth with a Peer Experience Score of 78%^[4]. Notably, the app is also one of the three most downloaded finance apps in Canada, holding the third spot on the Google Play Store for finance apps^[6]. Users frequently highlight the app’s robust features, reliability, and speed, making it a solid choice for handling everyday banking tasks. With its performance in satisfaction studies and download rankings, RBC’s app remains a key player in Canada’s mobile banking landscape.

4. BMO Mobile Banking

BMO Mobile Banking is widely recognized as a reliable and feature-packed digital banking solution. Its straightforward design and functional tools make it a popular choice for Canadians looking for a dependable mobile banking experience.

User Interface and Experience

BMO’s app shines with its sleek and intuitive design, making it easy for users of all skill levels to navigate. With a clean layout and well-organized features, accessing accounts and managing transactions feels effortless. In fact, BMO earned the top spot in EMARKETER‘s Canada Mobile Banking Features Benchmark in 2025 for the second year in a row, excelling in areas like account management, alerts, digital money tools, and security ^[2]. The app’s smooth interface ensures a consistent and hassle-free experience, whether you’re logging in or performing financial tasks. Users have frequently highlighted its modern design and seamless functionality as standout aspects ^[1].

Mobile Features

The app offers a wide range of tools to handle everyday banking tasks efficiently. Users can send Interac e-Transfers to friends and family, pay bills directly from their smartphone, and deposit cheques using their phone’s camera. For those looking to manage their finances better, the app includes built-in budgeting tools that track spending habits and provide useful insights. Real-time alerts keep users updated on account activity, ensuring they stay informed about transactions as they happen. Together, these features create a well-rounded banking platform, catering to everything from quick balance checks to more detailed financial planning ^[2].

Security Measures

When it comes to security, BMO sets itself apart. The app employs advanced measures like fingerprint and facial recognition, along with multi-factor authentication, to safeguard user accounts. Real-time fraud monitoring is another key feature, actively scanning for suspicious activity to protect customers. This dedication to security earned BMO the top ranking in the Security category of EMARKETER’s 2025 Canada Mobile Banking Features Benchmark ^[2]. These measures not only meet but often exceed industry standards, ensuring that users can bank confidently without sacrificing ease of use.

Customer Satisfaction Ratings

BMO’s mobile app has received mixed reviews in satisfaction studies, reflecting both its strengths and areas for improvement. In the 2025 J.D. Power Canada Banking Mobile App Satisfaction Study, BMO scored 645 out of 1,000, securing second place among major Canadian banks – just behind CIBC at 650 and ahead of RBC at 632 ^[1]. However, in Surviscor’s 2024 Mobile Banking Experience Rankings, BMO ranked ninth with a Peer Experience Score of 70% ^[4]. Despite these variations, the app is consistently praised for its reliability, making it a trusted option for many Canadians.

As we continue exploring Canada’s mobile banking apps, the Wealth One Bank of Canada app stands out for its niche focus. This federally chartered Schedule I bank primarily serves Chinese-Canadian and international clients. While it doesn’t appear in mainstream app rankings or satisfaction surveys for 2025, its tailored features cater to a specific audience.

User Interface and Experience

The app is designed with a bilingual interface, supporting both English and Chinese. Its clean and simple layout emphasizes essential banking tasks, making it intuitive for users. Compatible with both iOS and Android devices, the app ensures easy navigation for its target audience.

Mobile Features

The app covers everyday banking needs like account management, Interac e-Transfers, and bill payments. Additionally, it offers specialized services such as international remittances and foreign exchange, aligning with the needs of its clientele.

Security Measures

Security is a priority, with the app incorporating multi-factor authentication and encryption that meet Canadian banking standards. These measures provide peace of mind for users managing their finances.

Customer Satisfaction Ratings

Although the app isn’t featured in major rankings, this reflects its niche market and smaller user base rather than its quality. For more insights and comparisons, check out Wealth Awesome.

Motusbank offers Canadians a straightforward mobile banking experience. Ranked as the #10 finance app on Android in Canada, it holds its own in the competitive world of digital banking^[1]. Here’s a closer look at its interface, features, security, and customer feedback.

User Interface and Experience

The app keeps things simple, focusing on usability over flashy design. Its clean layout ensures smooth navigation on both iOS and Android. Accessibility features like screen reader compatibility, adjustable text sizes, and high-contrast modes are included, making it user-friendly for a broad audience. However, it doesn’t offer the level of personalisation or visual appeal seen in apps from larger banks, which might leave some users wanting more.

Mobile Features

Motusbank covers all the basics. You can check your accounts, send Interac e-Transfers, pay bills, and deposit cheques using your phone’s camera.

That said, it lacks extras like built-in budgeting tools or access to investment accounts. While you can export basic data for manual tracking, users looking for advanced financial management options might find the app a bit limited.

Security Measures

Security is a priority for Motusbank. The app includes two-factor authentication, biometric login options (like fingerprint and facial recognition), and end-to-end encryption for transactions. It also features automatic logout after inactivity and real-time fraud monitoring to catch unusual activity. These measures align with the standard security practices for Canadian digital banking^[2].

Customer Satisfaction Ratings

Customer satisfaction scores for Motusbank’s app usually range in the mid- to high-500s out of 1,000. While this trails behind top players like CIBC, TD, and BMO, which typically score in the 630–650 range, the app earns praise for its reliability and ease of use^[1].

For Canadians who value simplicity and reliability over advanced features, the Motusbank app is a solid option.

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TD Canada Trust provides one of the most reliable mobile banking experiences in Canada. Ranked second in J.D. Power’s 2025 study and earning consistently high ratings across app stores, the TD mobile app strikes a balance between functionality and user satisfaction.

User Interface and Experience

The TD app boasts a sleek, modern design that simplifies everyday banking. Its interface is easy to navigate on both iOS and Android platforms, with features like adjustable text sizes and screen reader compatibility that enhance accessibility.

While the app delivers the seamless log-in, polished design, and straightforward navigation expected of major Canadian banks, it doesn’t push boundaries compared to its closest competitors. Instead, it focuses on reliability and ease of use, offering a well-rounded suite of banking tools.

Mobile Features

The app covers all the essentials, including account monitoring, Interac e-Transfers, bill payments, and mobile cheque deposits. It also provides budgeting tools to help users track spending and set financial goals. Beyond the basics, the app integrates investment management, product applications, and direct customer support. This integration makes it especially convenient for customers who use multiple TD products.

TD sets itself apart by offering a wide array of mobile services that work seamlessly with its broader ecosystem, making it a go-to option for those deeply connected to the bank.

Security Measures

Security is a priority for TD, and the app includes features like biometric authentication, two-factor authentication, automatic session timeouts, real-time fraud monitoring, and end-to-end encryption. These measures ensure transactions are secure without adding unnecessary complexity to the user experience.

Customer Satisfaction Ratings

TD’s approach to blending convenience with robust security has earned it high marks in customer satisfaction. In J.D. Power’s 2025 Canada Banking Mobile App Satisfaction Study, the app scored 631 out of 1,000, securing second place among Canadian banks – just behind CIBC’s 641 and ahead of competitors like BMO and RBC^[1]. It also came in third in the 2025 Credit Card Mobile App Satisfaction Study with a score of 640^[1].

These rankings highlight TD’s ability to consistently deliver a dependable and feature-rich mobile banking experience. For Canadians looking for a trustworthy app backed by one of the country’s largest financial institutions, TD’s mobile platform checks all the right boxes.

8. Scotiabank Mobile Banking App

Scotiabank has climbed into the top three for mobile banking experiences in 2025, marking a significant step forward in its digital services for Canadians ^[3]. This achievement highlights the bank’s commitment to improving its mobile offerings. Let’s take a closer look at what makes the app stand out.

User Interface and Experience

The Scotiabank mobile app now delivers a polished and user-friendly experience, meeting the expectations of Canada’s top banks. It offers a smooth log-in process, a sleek and modern design, and intuitive navigation ^[1]. While specific user metrics haven’t been disclosed, its improved ranking suggests the design resonates well with its audience. The app is available for both iOS and Android devices, ensuring accessibility across platforms. These interface improvements enhance the overall usability of the app.

Mobile Features

The app provides all the core functionalities you’d expect from a leading digital banking platform. Users can easily manage their accounts, handle transactions, and perform other essential banking tasks, making it a practical tool for day-to-day financial needs.

Security Measures

Scotiabank employs strong security measures to safeguard customer data and transactions, ensuring peace of mind for its users.

Customer Satisfaction Ratings

Scotiabank’s rise to the top three reflects its growing popularity among users in a highly competitive market ^[3]. For comparison, CIBC currently leads in mobile app satisfaction with a score of 641, followed by TD at 631 ^[1]. Scotiabank’s position underscores its progress in creating a reliable and user-focused mobile platform, making it an appealing choice for Canadians seeking dependable digital banking solutions.

Tangerine has carved out a strong reputation in Canada’s digital banking scene, earning high praise in satisfaction studies conducted in 2025. As a digital-first bank, Tangerine focuses on delivering a mobile experience that’s straightforward and user-friendly, making it a go-to option for Canadians who prefer to handle their finances entirely on their smartphones.

User Interface and Experience

The Tangerine mobile app shines in offering the core features of digital banking. With a clean design and intuitive navigation, it makes everyday tasks like checking balances, reviewing transactions, or managing accounts easy and efficient. The app’s modern look and streamlined functionality ensure users can get what they need without unnecessary hassle.

Customer Satisfaction Ratings

The 2025 Canada Credit Card Mobile App Satisfaction Study ranked Tangerine Bank second overall with a score of 669 out of 1,000 – just behind American Express (692) and ahead of TD (640). Notably, Tangerine also scored the highest in online credit card satisfaction with 655, surpassing PC Financial (642) and American Express (641) ^[1]. These results highlight the app’s strong usability and practical features.

Security Measures

When it comes to security, Tangerine meets Canadian standards, providing peace of mind for its users. The app supports secure e-Transfers, bill payments, and account access, ensuring data protection and fraud prevention are in place for all digital banking activities.

Next, let’s take a closer look at Simplii Financial’s mobile app.

Simplii Financial has carved out a strong position in Canada’s digital banking scene. As the online banking arm of CIBC, it combines the trust and dependability of a major bank with a streamlined, no-fuss digital experience. One standout feature? Its focus on student banking.

User Interface and Experience

The Simplii Financial mobile app is designed with simplicity in mind. Its clean layout makes everyday banking tasks a breeze. Whether you’re checking balances, reviewing transaction history, or navigating between accounts, the app keeps things straightforward. This intuitive design works well for everyone – from mobile banking veterans to those just getting started.

Mobile Features

The app covers all the basics you’d expect. You can send e-Transfers, pay bills, deposit cheques, and view your account details and transaction history. But what sets Simplii apart is its attention to students. The app supports programs like the Student Deposit Program and the International Student GIC Program, which help international students get their finances in order before they even arrive in Canada. Plus, users can access the Simplii Financial Cash Back Visa credit card directly through the app. This card offers cashback rewards and has a low minimum income requirement, making it accessible to a wide range of users ^[7].

Security Measures

Simplii Financial benefits from CIBC’s robust security protocols, ensuring that your data and transactions are well protected. With this solid foundation, users can rely on the app for both speed and security – key factors for anyone managing their money digitally ^[1].

For students and anyone who prefers handling their finances on the go, the Simplii Financial mobile app is a practical and reliable choice.

Feature Comparison Table

To help you make an informed choice, here’s a side-by-side comparison of key metrics from popular mobile banking apps. The data comes from J.D. Power’s 2025 retail banking study, which surveyed 9,857 customers between January and March 2025. Satisfaction scores are based on a 1,000-point scale and evaluate navigation, speed, visual appeal, and information quality^[1].

CIBC stands out with the highest scores – 641 for mobile app satisfaction and 650 for online banking – highlighting its strong position in Canadian banking^[1]. TD Canada Trust follows with a mobile app score of 631, while BMO achieves a notable 645 for online banking. Across the board, the average satisfaction score for Canadian banking apps is 629 out of 1,000^[1].

Security Features

All the apps prioritize security by offering biometric authentication and password protection^[5].

Specialization Shines

Tangerine’s impressive 669 score for its credit card mobile app demonstrates the benefits of focusing on niche features^[1].

Use this data to match your banking app choice with your specific needs and preferences.

Conclusion

The reviews above highlight a range of strengths, each catering to different financial needs. Choosing the right mobile banking app ultimately depends on how well its features align with your individual priorities. In 2025, Canada’s banking landscape offers plenty of solid options, with high user satisfaction across the board ^[1]. Your specific needs are what will make one app stand out over another.

Security should always be a top priority. Features like biometric authentication and password protection are now standard ^[5]. Notably, BMO secured the top spot for security in 2025 ^[2]. If you handle large balances or make frequent transactions, be sure to choose an app from a provider with a proven track record in security.

Find an app that matches your banking habits. For those prioritizing high interest rates and zero fees, EQ Bank shines with competitive rates, free Interac e-Transfers, and unlimited transactions ^[8]. If you’re looking for tools that combine everyday banking with investment options, some apps offer seamless integration for both. On the other hand, if you prefer a traditional banking experience with access to a strong branch network, CIBC stands out, leading in mobile app satisfaction (641) and online banking satisfaction (650) ^[1].

The digital banking experience continues to evolve at a rapid pace. As Jon Sundberg, director of digital solutions at J.D. Power, explains:

As technology grows increasingly sophisticated and consumer-facing applications become better able to anticipate customer needs and deliver truly personalized, memorable experiences, satisfaction will increase ^[1].

Banks investing in AI-driven solutions are likely to set the standard in the coming years.

With these insights in mind, take the next step by trying out a few apps that align with your priorities. Download them, explore their features, and check recent user reviews on app stores to get a feel for how they perform in day-to-day use.

For further advice on investments, savings, mortgages, and more, visit Wealth Awesome for data-backed guidance.

Ultimately, the best mobile banking app is the one you find yourself using regularly. Whether your focus is on ease of use, competitive rates, strong security, or investment tools, choose the app that fits seamlessly into your financial routine.

FAQs

How were the top mobile banking apps in Canada for 2025 selected?

The rankings consider important factors like app features, user-friendliness, and customer satisfaction. Each app was assessed for how well it caters to Canadian users, focusing on accessibility, security, and helpful tools for managing finances.

These standards ensure the list showcases apps that deliver great value and practical functionality, designed specifically for Canadians’ banking needs.

Which mobile banking app in Canada offers the best security features, and how do they compare?

Mobile banking apps in Canada come with a range of security features, but the top players focus heavily on protecting your data with tools like encryption, two-factor authentication (2FA), and biometric login options such as fingerprint or facial recognition. These safeguards work together to keep your financial information secure.

Some apps go a step further. For instance, certain platforms offer real-time fraud alerts and customizable security settings, giving you more control over your account’s safety. Before using any app, it’s smart to check its security features to make sure they align with your personal needs.

Do any mobile banking apps in Canada cater to specific groups, like students or international users, and what features do they offer?

Several mobile banking apps in Canada are designed with specific groups in mind, such as students and international users. For instance, Scotiabank provides student-friendly perks like no-fee accounts and tools to help manage loans effectively. On the other hand, HSBC Canada focuses on international clients by offering multi-currency accounts and smooth global money transfer options.

These apps often come with handy features like waived fees, budgeting tools, and currency conversion capabilities, making them especially convenient for their intended users. It’s worth taking the time to review each app’s unique offerings to find one that aligns with your needs.

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