Study: Mobile Banking in Germany 2026

93% of app users are satisfied with their banking app, yet two-thirds run into something annoying when they pay an invoice by bank transfer. The Gini Mobile Banking Study 2026 shows where the app works well in everyday use and where customers still have problems today.

For 59% of people in Germany, the banking app is now one of their main channels to their account, and those over 55 are catching up fast. At the same time, perceived security depends heavily on age: 75% of 18- to 24-year-olds consider the app secure, compared with just over half of those aged over 55. The study also looks at what bothers people when paying an invoice, how photo payments are used, and what matters for payments outside the euro area.

In September 2026, Gini commissioned YouGov Deutschland to survey 4,071 people aged 18 and over, representative of the population by age, gender, and region. Comparisons refer to surveys since 2023. All results, our analysis, and our view on the figures are in the free whitepaper.