India App Quality Report · Q4 2026 · Banking
What breaks in India's banking apps
On 23 October 2026 we read the 197 reviews Google Play shows on 11 of India's most-used banking apps. 23.4% describe the app malfunctioning — above the 10.7% across all 187 apps in the India App Quality Report.
Crashes and freezes lead, at 8.1% of reviews
Share of the category's storefront reviews that describe each kind of malfunction, against the same share across all 187 apps.
What to test first in banking apps
- First launch after an update. 6 of banking's 46 malfunction reviews say the problem started after an update — more than any other category. Test cases →
- Login, MPIN and SIM-based device binding on dual-SIM phones. Login and OTP failures appear in 7.1% of banking storefront reviews, the highest of any category. Test cases →
- Fingerprint and face unlock, and the fallback when a new fingerprint is added to the phone. Test cases →
- Transfers and beneficiaries end to end, including the status the user sees when the network drops mid-transfer. Test cases →
The 11 apps we read
| App | Rating | Installs | Days since update | Reviews read | Malfunction reviews | Main problem |
|---|---|---|---|---|---|---|
| Axis Mobile | 4.8★ | 5Cr+ | 30 | 18 | 4 | Login & OTP failures |
| bob World | 4.3★ | 5Cr+ | 56 | 18 | 7 | Login & OTP failures |
| Canara ai1 | 4.4★ | 5Cr+ | 19 | 18 | 4 | Crashes, freezes, won't open |
| FedMobile | 4.5★ | 1Cr+ | 11 | 18 | 3 | Login & OTP failures |
| HDFC Bank | 4.6★ | 1Cr+ | 46 | 17 | 5 | Login & OTP failures |
| ICICI iMobile Pay | 4.6★ | 5Cr+ | 18 | 18 | 1 | Login & OTP failures |
| IDFC FIRST Bank | 4.9★ | 1Cr+ | 14 | 18 | 0 | – |
| Kotak811 | 4.7★ | 5Cr+ | 41 | 18 | 3 | Wrong or stale data |
| PNB ONE | 4.3★ | 5Cr+ | 8 | 18 | 5 | Slow or laggy |
| Union Bank of India | 3.6★ | 5Cr+ | 54 | 18 | 11 | Crashes, freezes, won't open |
| YONO SBI | 4.2★ | 10Cr+ | 25 | 18 | 3 | A feature doesn't work |
Per-app counts are small samples of what each storefront showed on 23 October 2026 (up to 18 reviews for apps with 1 crore+ installs, up to 6 for smaller apps). Google changes which reviews it shows, so read them as a snapshot, not a verdict on an app.
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How these numbers were made
We loaded each app's Google Play India store page on 23 October 2026 and recorded every review shown: up to three per language, in English and Hindi for every app and also in Bengali, Marathi, Telugu and Tamil for apps with 1 crore or more installs. Each review was coded for the one main problem it describes against a written codebook, and a second coder re-coded a random sample blind (92.1% agreement on whether a review describes a malfunction). A review counts as a malfunction when its main problem is a crash or freeze, a login or OTP failure, a failed payment, a feature that doesn't work, slowness or wrong data. Ranges are 95% Wilson intervals. Full method, codebook and limits are in the report.
Cite as: 99tests (2026). India App Quality Report, Q4 2026 — Banking. https://99tests.com/research/app-quality/banking-apps. Data CC BY 4.0. Google Play is a trademark of Google LLC; this page is not affiliated with or endorsed by Google or any app developer named.
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