Major Test: the Best Mobile Banking

Making mobile banking is nicer than ever, but there’s still more and less successful apps. Mobile has gone through them all.

Most of it is either a little or a lot requires to do in mobile. We do not write longer texts on screen keyboard, and edit the Excel spreadsheet, we should not talk about. But there are exceptions, things that actually gets easier and smoother by doing them on your phone. Banking is such a thing.

It is so crazy easy to pay their bills in the cell phone probably depends mainly on two innovations. One is the Mobile Banking ID, which you can use to authenticate you and write in cases at the Bank with only a six-digit code in an application. The complexity of the bank box with eight-digit codes to be written off from the screen is now mostly gathering dust in a drawer.

And sure, you can use Mobile Banking ID on the Web too, but run the bankappen in the mobile Bank ID is automatically opened when it is time to legitimize itself and closes when it is finished, without the need to switch attention between different programs.

The second innovation is that you can use your phone’s camera to scan the paper bills without having to write off the amount, OCR-number and account number to hand. This is really crazy smoothly, three pips so is all the information inserted. If you have not tried yet, so do it right away!

The Swedish banks were quick to embrace the possibilities of having the Bank on your phone but in the past year, there has been a clear harmonisation in the features that are supported, and most of the apps has at least the two functions above. But that doesn’t mean there are no longer differences between the apps. Are you faced with choosing the bank’s bankappen an important parameter because it becomes your most frequent contact with the Bank, and that’s why we’ve gone through and the korat the best bankapparna.

Danske Bank
Danske Bank has one of the apps that looked the same at the far end, and unfortunately it’s not in their favor. The main menu consists of two wheels, which may have seemed new and fresh in the smart lurarnas childhood, but today it feels just, well, giddy with the menus, you can rotate and where text appears on different led depending on how it is spun the wheel. The interface is not even particularly consistent, for in addition to the wheel, there are tabs that will be drawn in the and buttons should be pressed in both top and bottom.

It is exceptionally difficult to become a customer of Danske Bank, and I lose count of all the four-digit PIN and security codes to activate each other before I got everything to work, but well done, can I choose a number of login method in the app. On the one hand, card reader, and a personal four-digit PIN. During the test period is also updated the app so that it at last gets support for Mobile Banking ID.In addition, we boast of being the first in Sweden to use your fingerprint to log into the app, at least on the Iphone with Touch ID.

But there is a big Disclaimer: You can only pay bills with bank box or Mobile Banking ID, fingerprint reader replaces only the four-digit code that you can use to log in and see your balance but not really so much more.

The app has good account history with curves for how much money you have in the account, but the transaction information is limited on your payments. To make a payment by scanning the Bill with the camera goes in all cases easily, and it also has features like trading with securities and manage account and view current courses.

Danske Bank is one of the few who have a Windows Phone/Windows 10 Mobile app, and in fact it is better organised than Ios/Android apps, without the wheels. The latter would need a major facelift.

Plus: WP-app.
Minus: Poorly organised.

Forex Bank

Halfway into our test relaunches Forex with a brand new bankapp, remade from the ground up. It was much needed, for the old Web was truly no big shots. But now we forget it and look forward to it.

Forex is connected to Mobile Banking ID, but also have something called Forex ID, which in effect works the same as mobile Bank ID, though only with Forex Bank then. To enable Forex ID, you must go to a Forex-Office and carry identification, but once there it goes quickly and smoothly. As Forex-customer, you also have a card reader you can sign in with.

It’s a very aesthetically pleasing app, with very hot pictures along with Forex characteristic yellow hue. The login page even has an animated image of people who run over a summer meadow in the evening sun.

It cannot, however, hide the fact that it’s a very limited app. Check your balance and make transfers and payments are basically the only thing you can do in the app, although the transmissions also can be set to to be recurring. The transaction information in your account history is also very limited.

Also lacks the Basic app feature that all other mobile banks embraced: the ability to scan invoices using a mobile camera.

The app is, despite its few features, not even particularly well organized, and the two functions of payment and account overview is hidden in a confusing plethora of expandable menus.

It can certainly be good reasons to choose Forex as a bank, but the app is not one of them.

Plus: Stylish.
Minus: Very few features.

Handelsbanken’s app is admirably clear and clean, if a little boring in design. Transparency also depends mainly on the right have few features. For example, you do not need to brood over where the settings menu for the app is, for there is simply nothing to set in the app. The features that make snabbsaldo without logging into the app or the ability to receive notifications when you receive e-invoices missing say they nearly itself when the app in General lacks features you can choose yourself.

In addition to balance and account statements for your accounts, you can manage your debit card, for example, by blocking each open for internet and international purchases. You can also check out the funds and investments.

Information about your account transactions are also Spartan, but feature for paying bills by scanning in those works in any case excellent, and for just the basic operation to pay bills, there are no complaints. Compared to last year, it also now to scan the target account with app, an improvement up to the same level as other ban Cape couple agree.

Handelsbanken also has an app to Windows Phone/Windows 10 Mobile, and it’s almost like the app to other systems with its few features. But it is of an older generation where you still have to manually enter the receiver.

The only real annoyance with the app, except that it can so much less than many other banks ‘ apps, is that one must enter their social security number manually every time you should log into the app. All other banks ‘ apps can remember personal number if one chooses it. I once also ends up in some kind of buggloop, where I first logged out due to inactivity before I even had time to enter the code to my mobile banking ID, and then the app doesn’t want to sign me again because I already have a current login.

As a whole, there is nothing really wrong with Handelsbanken’s app, but it lacks the extras that lifts the best bankapparna over the cut. Or Extras at all, for that matter.

Plus: Simple and clear.
Minus: Get features.

ICA Bank
ICA banken was last year’s winner with its clean design and rich feature packages. This year, the field is more even, so we can begin to look at what’s new added. The foremost is the ability to watch and to buy and sell mutual funds, a feature that now almost all ban gifts support in any form. Simplified sign-on, which gave limited feature set when you logged in with a password, have disappeared, something that most banks have taken away for security reasons. An Apple Watch app has been added. And if you have regionsspärrat your debit card so that you can not make purchases abroad reminds you of the app to unlock the card if it detects that you’re at an airport. The latter is a great example of how to take advantage of your phone’s capabilities to improve bankanvändandet.

The app is admirably clear and simple in its design, and also follows the more stripped-down design language that has become standard in both Ios and Android (Windows app). The menus on the left, and here you can in Ios also get information about how much money you have in your account before you log in to the app. In Android, you can even get the amount in the field to alert on your phone or as a widget to your home screen.

Another example of the virtues of the app is in the communication to and from the user. Under the menu Events you will find important information that payments that bounced, and something new has happened with the Bank or the app comes a pop-up window directly when you open the app with information.

Payment of bills, invoices, standing transfers to other accounts, identification with Mobile Banking ID and scanning of sheets with the camera work so well that you have the right to expect, and you can get instant updates of events, something that should go without saying but actually is rare among bankapparna. You can also get detailed information about the transactions on your account.

If you’re going to find something to complain about, so I happen to a time out for a bug when logging that allows identification with Mobile Banking ID does not work, and that I do not get the scan operation of a Bill to work at all. Nor is there any function to keep track of their income and expenditure that some other banks have.

ICA banken is exemplary, but the updates since last year is modest at the same time as many other apps had overcome their problems, so it’s not a clear winner in the same way as last year.

Plus: Clean design, feature rich.
Minus: No track spending.
Länsförsäkringar

Here we have a really well-designed app! After logging in (and you can, if you wish, set up so that you can see your balance prior to login by swiping down on the app home screen) will take you to a discriminating home page with the balances of your accounts and four buttons for payment, transfer, received e-invoices and cases to sign, the last two with figures indicating if there are incoming cases.

All other features are available in a menu that you swipe from the left as the default. And it turns out to be quite a few. in addition to your regular bank account, you can manage mutual funds, stocks, savings account, pensionsspar, insurance and loans.

You have monthly check, which is a really nice and clear feature to keep track of your expenses, even though it is not as advanced as Swedbank’s corresponding function. You can set up savings targets and add an automatic transfer into a savings account in order to achieve the goal. You can regionsspärra your debit card and will receive a warning message when you turn on the app if you’re at a place in the world where the card is blocked.

The app will be understood better the more services you collected at länsförsäkringar, but even if you only use them to your checking account, you have a really good bankapp. To pay bills work as smoothly as you could wish for, including error-free scanning of bills with mobile camera. The only downside is that you basically don’t have any information at all about the transactions on your account in addition to the recipient name.

In the contact information section, you can find the phone number for most cases you might need, and below that is advice on damage and drive that contains even more useful tips, including phone number, perhaps mostly for insurance matters, but even if you need to cancel your card.

Länsförsäkringar also has an app to Windows Phone/Windows Mobile 10. It’s much less feature rich and not quite as well organized as it to Android and Ios, but for the right bank will do it nicely, and it’s clearly one of the better bankapparna to Windows.

Use the app on more than one device, you must have Mobile Banking ID on each mobile you are using, instead of that which otherwise is usually able to login from another device. And you can not add a standing transfer between accounts with the app. But it’s the smaller annoyances in an otherwise superb app.

Plus: feature-rich, well designed
Minus: Limited transaktions info, no standing orders

 

Nordea

Sweden’s largest bank has a long history of being last with the most important thing when it comes to Bank on mobile, and it is, for example, only a few months ago that we had full opportunity to scan bills with the camera.

That reached up to the base standard for ban gifts, with scanning of sheets and login with Mobile Banking ID does not mean, however, that app is especially good. Home screen manages to be messy and stripped at the same time. Here is a list of accounts and balances, in the bottom three buttons for payments and transfers, and in addition shortcuts for payee. It can be easy with quick shortcuts to recipients, but the vocabulary is confusing. After clicking on a receiver to choose the button “pay to others”, which feels a bit contrary to what it was supposed to do.

In General characterised by confusing terminology app. Should you pay multiple bills and do not want to have to sign them with Bank ID a and a, you must select Save. What does it mean to save a Bill?

You have a menu you sweep in from the left with all functions logically according to industry standards. Not that there’s much here.The app is one of the most feature-poor, and most of it you can find here the character general terms and software licenses, of limited use to the user. There are hardly any settings at all, and to see the balance without logging in, to get instant updates on incoming e-invoice, or to help you keep track of your expenses, you should not count on.

Once you get the hang of Nordea’s way of thinking, the app is in any case easy to pay bills and scanning function works fine. A plus for relatively detailed transaction information in your account history, but less for that you can’t create recurring transfers between accounts.

Plus: simple structure.
Minus: Feature-Poor.

SEB
When you sign in to big bank SEB’s app is made up half of the screen of a picture, which you can choose yourself. It’s neat, but gives a true and clear hint that this is an app that isn’t directly will need the entire screen surface for its functional range.

The structure is fairly logical, with the four main categories of accounts, savings, loans and utilities. Payments, however, does not end up in those without a plus in one corner.

SEB has a little odd and a little confusing vocabulary for payments.You do not pay a Bill, you create a new assignment. These ports since in an Outbox for a separate button, where you can approve them to send missions. This follows surely SEB’s internal structure for the handling of cases, but for those of us who don’t work in a bank, it seemed more logical to simply pay an invoice.

I miss the ability to create a permanent transfer from month to month, but there is at least a rudimentary utgiftskoll in the form of a curve for your account showing how the amount available is changing over time.

Scanning of invoices with your phone’s camera works great, even in poor light. and account history has excellent information for the transactions conducted, something you think should be a standard feature but are relatively uncommon.

Compared to previous years, SEB has a clearer structure of the app and you will no longer receive error messages if you try to use features not adhered. Now we are mainly a little more extra features beyond the Basic.

Plus: clear.
Minus: Get features, unusual terminology.

Skandiabanken

Skandiabanken has several years won our test and still so it’s overall services they offer in the cell phone clearly competitive, even if they got out, poked from the throne last year.

It was above all a new, messy and self-willed interface combined with competitors developed faster which Skandia lost the top spot. When we look at the app today is itself largely similar, but some features have been added. On the positive side, for example, that one can chat with customer service right in the app, which means you can take care of all your banking online without ever visiting a bank branch or pick up your computer if you do not want it. Is the available supply of services good. Everything you would expect of a mobilbanksapp is there, including the ability to scan paper bills with the camera, get e-invoices directly into the app to check and approve and, of course, make transfers, view account balance and statement of account. In addition, there are a few extras that are particularly interesting. Skandiabanken has as well as a couple of the other banks in its own app for Apple Watch. There you can see your balance on your default account without having to log in or pick up the phone, and the snabbsaldofunktionen is also available as a widget in both Ios and Android. Other quick functions is available in the form of rapid transfer between both their own accounts and to other people’s accounts. This involves choosing a symbol for the account, and then you can click for example on 300 kr and suitcase to transfer money from your default account to your holiday cash.This time without logging in. Select many possible accounts, and symbols are this quickly, however, messy, so then do you probably wisest to simply log in and see the accounts in the clear.

Messy is also the interface as a whole. When Skandia performed well in our banktest a few years ago we had some complaints that many features had been added without the menu structure hung with real. It answered Skandia on by completely redoing the menus to something almost devoid of structure. Playlist from is better in this area and collecting available services in a menu in a better way than Iphoneappen. The Iphone, for example, several menu choices in a sidebar that disappear when you scroll the page and also partially hidden once it appears. This simply makes the app much more complicated to use than it needed to be, and it is difficult to get an overview of what features are actually available in the app.

Plus: Chat directly with customer service.
Minus: Cluttered interface.

 

Swedbank

If it weren’t for a couple of blemishes would big bank Swedbank’s app to be a clear winner in this test. In terms of the number of functions, it is the most comprehensive bankappen in the test. And if a function to get a debit card with your own photo you take with your phone’s camera might not be the most important found here plenty of other great extras, which particularly have to highlight the advanced expense check that can keep track of and categorize your payments, and provide information on whether, for example, your expenses for meals or trips change month by month. A really good tool to plan your finances, that is.

One of the beauty spots are literal, the app is just plain ugly. The design is from before Google and Apple went over to the flat, minimalist design, and a textbook example of why we did it. “To two of the six backgrounds you can choose for the app is denim and tiger fur says it all really well.

Everything doesn’t have to be neat, but unfortunately the app is also messy organized, and from the nine menu choices you face when you turn it on, it is far from obvious what functions are available and where to find them, it be compensated at least partly by some redundancy, so that more functions can be accessed from more than one of the menu options.

Of course, you can log in with Mobile Banking ID in addition to the card reader, but the option of logging in with code for limited features have disappeared due to security reasons. in return, you can access some of the app’s features without logging in at all and you can see the balance of your account just by starting the app.

With regard to the payment of the Bills has the feature to scan bills with camera reputation for being fussy, anything I can sign on. In my experience, need feature very light, preferably natural light, which means that it works better in summer than in winter. In line with the other banks, it is at least not really.

Otherwise the work payments and transfers were exemplary, even if the transaction information is very limited in your account history.Swedbank has still some scepticism about the security of the mobile Bank, so as to enable the new recipients, you must first enable the feature in the app, which in turn requires a serial code. It’s not necessarily a minus, that have a detent to add new recipients are safeguards against someone gets hold of your account and drains it.

A special mention to the app can provide alerts when a received e-invoices, something that man is alone in the test.

Swedbank’s app is a real face lift from being the obvious choice for those who want the Bank with the best app. When will we see it?

Plus: feature packed, alerts for e-invoices.
Minus: Ugly, messy, grumpy at the scanning of bills.

Mobile service offerings
There has been a levelling out of the range of services compared to previous years, in the sense that all apps (except Forex) now offers the same possibilities to login with Mobile Banking ID and pay bills just by scanning them with a mobile phone camera. The difference is in extra services.

If combing the banks ‘ applications and write down every single feature you can find in them, it becomes clear that Swedbank is the most feature-packed app. It is also a matter of really useful features, such as to administer Mobile Banking ID and an advanced utgiftskoll.

Länsförsäkringar will however not far behind, and tied for third place are skandiabanken and Ica banken. Forex Bank holds the League.

Winner: Swedbank

Balance and bills
The basic package is the right level here, but there are differences.We estimate for example that you can get the balance of the account without having to log on to the application, that the scan operation with the camera not trouble, that you can get alerted on incoming e-invoice, and that the function is clear and easy to access and do not use confusing terminology.

All in all, we feel that Ica banken combines these characteristics best.Otherwise, it is the right level fields, where SEB, Danske Bank and Forex is a little worse.

Winner: Ica Bank

Interface
In this category, we assess how easy to use each app is and here are the differences between big apps right. What we reward is quick and easy access to the services we are many that use the most, a clear view so that you can see all available services in a simple way and generally smooth functions. In this category, it is primarily two banks that stand out and it’s the länsförsäkringar Bank and Ica banken, Handelsbanken, Nordea, although and also do quite well. County insurances ‘ and ICA’s menu structure is similar to the arrangement that has become a standard in many information-heavy apps. It combines the ability to overview with the flexibility it means to add more features in the future. Both also have the ability to view account balance without logging in. There are even at the top, but we provide länsförsäkringar victory.

Winner: Länsförsäkringar

User experience
In the category of user experience, we take into account not only the overall impression, but also how easy it is to get started, how these solutions work and how well banks integrated their services in the app. This distinguished länsförsäkringar to offer both funds and loans insurance in the same app. Even if you only are bank customer with them, the app is nice to use and easy to get started with.

Winner: Länsförsäkringar

There are good-looking ban gifts, there are feature-rich ban gifts, and ban gifts that are easy to use with its clear structure. Länsförsäkringar is if not the best so nearly the best in all of these categories, which no other app really. We are missing push notifications for incoming e-invoices, but other than that, the app has almost everything, including a really good utgiftskoll. A worthy winner.

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