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App based banking, or digital banking, is a recent and growing trend in online banking where the bank has no physical branches that you can visit. Instead, the bank exists as an app on your smartphone, which you can use to conduct most of your usual banking. However, these banks also offer several unique features such as: HSBC, Barclays, M&S Bank and Nationwide also scored above 70% for their security measures for online banking. TSB was the worst bank for online security with a score of 56%. The bank responded to the findings by suggesting more security measures were in place behind the scenes. A spokesperson said:
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How do I find the best bank? Everybody's banking needs are different. Some with a healthy balance may want to find an account that pays them interest, others are looking for one that doesn't charge through the nose to use an overdraft.. At Which?, we think the way your bank treats you should be an essential part of finding the best account. FNBO Direct Bank has an online checking account might be a great product for you. It pays 0.65% on all balances (up to $1,000,000), has no monthly maintenance fees and no minimum balance requirements.