A Complete Guide About the Difference Between Net Banking and Mobile Banking

byPriyanka JuyalLast Updated: February 6, 2023
Difference Between Net Banking and Mobile Banking
Difference Between Net Banking and Mobile Banking

Banks offer their customers access to a range of services through digital platforms like online banking (also known as net banking) and mobile banking. These services can be accessed using an internet connection. While both net banking and mobile banking offer similar services, there are some key differences that set them apart.

Table of Content:
A comparative difference between net banking and mobile banking
What is the difference between net banking and mobile banking
What is mobile banking?
What are the benefits of mobile banking?
How to use a mobile banking application?
Limitations of mobile banking application
Things to take care of when using a mobile banking application
What is net banking?
What are the advantages of net banking?
How to register for net banking offline?
How to register for net banking online?
Net banking or mobile banking application- which one is more secure?

In this blog, we will look at the differences between net banking and mobile banking, as well as their benefits and the best way to get started.

A Comparative Difference Between Net Banking and Mobile Banking

Mobile banking can be a useful tool for performing various banking tasks, but net banking offers a wider range of features, functions, and services that may not be available through mobile banking. Some differences between net banking and mobile banking include:

Parameters Mobile Banking Net banking 
Device used Smartphones, tabletsLaptop, Desktop, mobile, tablets
Services offeredLimited – lesser as compared to NetbankingAll banking services available – Most of the banking services available
How to accessCustomers need to download the banking mobile application Customers only require a User ID and password to use banking services online
Ease Easy to use and can be used on the goComparatively a little difficult to perform banking services 
Push notificationsCustomers receive notifications regarding banking offers, exciting deals and moreNot available
Other servicesMobile banking can be access through SMSRequires laptop, desktop and a stable internet connection 

What is the Difference Between Net Banking and Mobile Banking?

The difference between net banking and mobile banking are as follows:

Device Type:

  • Net banking requires the use of a laptop or desktop computer, mobile, tablet
  • Mobile banking requires a mobile device with the banking app installed


  • Mobile banking has a limited set of features and functions
  • Net banking offers a wider range of features, functions, and services

Onboarding Process:

  • Net banking requires a user ID and password to log in
  • Mobile banking requires a passcode to access the app

Push Notifications:

  • Mobile banking sends push notifications to customers
  • Net banking does not send push notifications


  • Mobile banking is suitable for quick and easy banking tasks
  • Net banking is suitable for advanced banking services

What is Mobile Banking?

Mobile banking is a compressed version of traditional banking services that can be accessed through a banking app on a mobile device. To use mobile banking, customers must download the appropriate banking app and use it to perform various banking tasks, such as transferring funds, checking account balances, making payments, and booking tickets.

  • A mobile banking app allows customers to perform various banking transactions
  • A smartphone and stable internet connection are necessary for the mobile banking app
  • Customers can conduct banking transactions at any time and from any location using the app
  • Customers receive push notifications through the mobile banking app for updates, deals, and discounts

What are the Benefits of Mobile Banking?

There are several benefits of mobile banking, a few among them are:

  • Mobile banking apps are accessible anytime and from any location
  • Banking apps can be personalized to fit the needs of individual customers
  • Customers can track their transactions and activity through the app
  • Mobile banking apps allow customers to make payments, transfer funds, view transaction history, and add beneficiaries
  • In addition to traditional banking tasks, mobile banking apps can be used to pay bills, recharge phone credits, book tickets, and more
  • Mobile banking is user-friendly and easy to use
  • Alerts can be set up to ensure timely payment of bills and other obligations
  • Push notifications sent through the mobile banking app keep customers informed of important deals and discounts

How to Use a Mobile Banking Application?

You are required to follow the given steps to use the mobile banking application. It should be noted, however, that the structure of banking mobile applications differs from one to the next.

  • Download the mobile banking app from the app store
  • Log in to the app and enter your account or registration number
  • Create and confirm a password
  • The mobile banking app is now ready to use for online banking transactions

Things to Note:

  • The process for setting up a mobile banking app may vary depending on the specific app
  • A stable internet connection and a smartphone are required to use a mobile banking app
  • It is important to create a strong password to protect against theft or digital fraud, as mobile banking apps are vulnerable to these threats

What are the Limitations of Mobile Banking Applications?

Even though mobile banking applications are the compressed version of banking functionality; however, there are still limitations associated with them- 

  • In order to use mobile banking, customers must first download the relevant app to their smartphone
  • A stable internet connection and a smartphone are required to use mobile banking apps
  • Customers should keep their mobile banking app up to date to ensure it is functioning properly
  • It is important to keep the app’s passcode confidential to prevent misuse
  • Poor internet connectivity or other technical issues may cause the app to crash or result in failed transactions

Things to Take Care of when using a Mobile Banking Application

Listed below are some of the practices to follow for a safer mobile banking application experience:

  • Do not share login credentials with anyone
  • Use a secure network connection when accessing mobile banking
  • Banks will never request login information or ask you to complete KYC (Know Your Customer) procedures via SMS or phone calls; do not share your credentials in this way
  • It is important to have anti-virus software installed on your smartphone to protect against cyber threats
  • Do not log in to mobile banking from third-party websites or through promotional emails
  • Avoid logging in to mobile banking on someone else’s device
  • Remember to log out of the mobile banking app after each use to protect your information.

What is Net Banking?

Net banking, also known as internet banking, is a digital system offered by banks that allow customers to quickly access financial and non-financial banking services online. With net banking, there is no need to visit the bank in person. In addition to this, net banking enables customers to perform various banking tasks such as money transfers, creating fixed deposits and recurring deposits, and tracking transactions.

  • Customers with an active bank account can use internet or net banking
  • Customers must register to use net banking, after which they can access online banking services
  • Net banking offers more advanced features compared to mobile banking
  • Customers can sign up for net banking by calling the bank or visiting the bank’s website
  • To use net banking, customers need an active user ID and password
  • A laptop or desktop computer is required to access net banking
  • Net banking allows customers to perform additional functions such as changing their communication address and ordering a chequebook, among others

What are the Advantages of Net Banking?

Listed below are the advantages of net banking that make it an obvious choice to avail banking facilities online:

  • Online banking (also known as net banking) is available 24/7
  • Customers can use net banking to perform various financial activities such as transferring funds, viewing transaction history, and opening fixed deposits and recurring deposits
  • Net banking is secure, requiring a customer ID and password for login
  • Non-financial tasks like ordering a new chequebook, checking account balances, and obtaining a passbook can also be easily completed through net banking
  • In case of an emergency, users can use net banking to block their debit or credit card
  • Net banking makes it easy to update contact information or address details
  • Customers can use net banking to learn more about the bank and its services.

How to Register for Net Banking offline?

Following are the steps the customer can perform to start using net banking facility:

  • To start using net banking, you can visit a bank branch and submit an internet banking application form along with the necessary documents, such as a bank passbook and an Aadhaar card
  • After submitting the application and supporting documents, the bank will issue you a customer ID and password


  • The internet banking application form can be downloaded from the bank’s mobile app
  • Once the form is filled out and submitted, the provided credentials can be used to access internet banking services

How to Register for Net Banking Online?

Following are the steps to be followed to register for net banking online:

  • To start using net banking, go to the bank’s official net banking website
  • If you are already a registered user, click the login button and enter your credentials. If you are not yet a registered user, click the “New user/Register here” link
  • If you are registering for the first time, you will need to fill out a self-registration form with information such as your account number, registered mobile number, CIF number (customer information file number), debit card details, and other information
  • To authenticate the process, you will need to enter an OTP (one-time password) that has been sent to your registered mobile number
  • After entering the OTP, you will be given a temporary customer identification number and password
  • Use these temporary credentials to log in and create a more secure password.

Net banking or Mobile Banking – Which is more secure?

Both net banking and mobile banking apps are generally safe to use as banks have systems in place to detect fraudulent activity. Banks may also alert customers if they detect suspicious activity in their accounts. Mobile banking apps have strong password protection, while net banking requires a user ID and password to access. However, it is important to be cautious and careful when using digital platforms, as they can still be vulnerable to online fraud.


Which is better old tax regime or new?

Choosing between the old or new tax system is based on your personal money situation and taxes you owe. It’s a good idea to talk to a financial expert or tax expert to figure out which one is best for you.

What are the latest guidelines for filing income tax returns?

The procedure for filing income tax returns (ITR) remains unchanged, however, the new tax system will be the default choice for taxpayers. Despite this, taxpayers still have the option to switch to the previous tax system if they prefer.

What are the deductions for salaried and senior citizens under the old and new tax regimes?

A standard deduction of Rs 50,000 for salaried individuals and deductions from family pension up to Rs 15,000 will be allowed under both the old and new tax regimes.

From where can I download my banking application?

The banking mobile app can be found in the relevant app store for your mobile device’s operating system, such as the Google Play Store or the Apple App Store.

How can I log in to the banking mobile application?

To login to the banking mobile app, you will need to enter your passbook number or account number, or any other required details, along with your password.

Is it safe to use net banking?

Yes, net banking is generally safe to use as banks use advanced technology to protect their customers’ data. In addition to this, net banking can only be accessed by entering a user ID and password, which adds an extra layer of security.

Can I use mobile banking applications more frequently?

Mobile banking apps are a convenient way to access a range of banking services on your phone. These apps allow you to make transactions, transfer funds, and perform a variety of other tasks easily and quickly. They are essentially a condensed version of traditional banking services, making them a handy option for everyday use.

Who can use net banking facilities?

Any customer with an active bank account, a net banking user ID and a password can start using net banking facilities.

What is better- mobile banking application or net banking?

Both mobile banking and net banking can be useful, depending on your needs. Mobile banking apps can be used for tasks such as making transactions, transferring funds, and checking transaction history, while net banking is suitable for more advanced requirements.

Can I order a bank cheque book through a mobile banking application?

Many banks allow customers to request a new chequebook and individual checks through their mobile banking app. However, the availability of this feature may vary between different banks’ apps.

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