14th Mar, 2017

UK vs USA: Navigating The World's Most Popular Banking Apps

UntitledAt iSky Research we are often asked 'which bank has the best app', or 'what does the customer value most' in a digital banking experience?

Unfortunately, the answer is never as simple as the question.

In an effort to shed some light on these complex conundrums we have come up with a battle of the 'Atlantic' iOS apps, a UK vs USA mobile banking app challenge - winner takes all the customers! Well, not exactly.

The criteria for consideration was simple:

  • The app was designed for iPhone use, and
  • Had an iTunes rating of 4 or higher in All Versions, and
  • Was downloadable via the UK or USA iTunes store, and
  • Was accessible to us at iSky Research!

[caption id="attachment_8730" align="alignright" width="150"]The USAA digital banking channels are a recent addition to iSky Research's suite of global customer experience intelligence and insights. Should we add them to your Cumulus subscription today? USAA digital banking channels now available. Should we add them to your Cumulus subscription today?[/caption]

Sorting the wheat from the chaff, we came up with eight apps - four from the USA and four from the UK. As well as one wildcard entry, the USAA mobile banking app - an app only available to active US service personnel and the ever diligent team here at iSky Research (yep, we enlisted - no, not really).

For each app we have created a video of approximately 60 seconds length that walks through the predominant or primary navigation features, and includes audio commentary. All videos can be found below, in alphabetical order.

We also provide the table below that helps to identify both the rating and version of each app we have looked at. In all cases we have focused on the bank's primary mobile app, otherwise known as the 'hero' app.

Bank Bank of America Barclays Capital One Citibank Halifax Lloyds Monzo RBS USAA
App Version (iOS Only) 7.2.8 2.22 5.16.0 8.2.0 15.2 15.2 1.9.3 5.1.0 7.29.3
App Store Rating (All Versions) 4.7 4.7 4.6 4.5 4.1 4.5 4.6 4.8 N/A

We will leave it to you to decide which app is victorious, and welcome comments below!

Otherwise, if you would like to see more from one of these apps, require screenshots, or simply have some questions - please get in touch via

Remember, requests like those above are all part of your subscription and come at no extra cost.

So what are you waiting for?!

See more with iSky Research.