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Difference between Mobile Banking and Internet Banking

What's the Difference Between Online and Mobile Banking?

The Difference Between Mobile Banking and Internet Banking

A while ago, financial transactions were time-consuming as you had to visit the bank to check your account, make payments, transfer money, and perform many other account-related activities. But with the emergence of online banking and mobile banking, the process became hassle-free. Now you can do all kinds of transactions from the comfort of your home.

Online and mobile banking are considered huge advancements in banking technologies. Their convenience is undeniable, especially with our busy and fast-paced lifestyles where efficiency is highly valued.

When online banking first came out, it offered a much-needed kind of comfort to the user. Such technology grants you the opportunity to easily access your bank accounts from your home or office and perform all types of banking activities.

But be aware of confusing the terms mobile banking and online banking, as some tend to think both terms are different names for the same service. Below I will summarize some of the differences between online and mobile banking, to help you understand both concepts and enhance your banking experience.

Accessibility to Services

When it’s a matter of comparison between online and mobile banking and which one allows more access to services, I must say online banking offers a wide range of options from checking account statement, transferring funds, ordering a new cheque book, to opening new FD. On the other hand, mobile banking can be limited to few services along the lines of, paying bills online and transacting money.

Accessing your Account

When it comes to accessing your bank account, the measures taken in online banking differ from those in mobile banking. The bank will make you go through specific steps to authorize your access and allow you to perform financial activities online or via mobile phone.

Whether it was mobile banking or online banking, both have different types of authorization in order to protect your account and limit the attempts of fraud. To manage your account, you might have to apply for account access, in both, separately.


There’s a certain flexibility to each option, online banking can only be done on your PC, however, mobile banking can be done by simple steps on your smartphone. Let me give you examples of how mobile banking can be more flexible. If you want to withdraw money from your bank account and realize you forgot your credit card, some banks offer the option of withdrawing money from an ATM by using a certain secured code on your bank app. Also, some mobile banking apps offer the option of contactless payment where there’s no need to carry cash or a credit card.


Both online and mobile banking have many security measures. Online banking requires a password that gives you access for a limited time only, then you will have to sign in again. When it comes to mobile banking such as the ADCB Mobile App, they require biometric sign-in such as a fingerprint or facial recognition to protect your bank information in case your phone falls in the wrong hands.


Online and mobile banking may have some differences, but I can assure you that they are both similar in convenience and efficiency, as they allow you to manage your finances while on-the-go. With such banking technologies, you will no longer have to waste time going to the bank and waiting in long queues to get your work done. Now, you can easily conduct all types of financial transactions including deposits, bill payment, money transfer, and more with one click.

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