Capital One and DBS Bank came out on top in an analysis of the apps on offer from the top 50 retail banks worldwide.
The US-based firm, a new entrant, and the Singaporean brand, which climbed up from fourth place in the previous report, both scored 50 out of 60. Frances Société Générale came third with a score of 49, followed by Hollands ABN Amro and Australias Westpac, which both received 48.
More than 200 apps were marked by Swiss research firm MyPrivateBanking on 44 criteria in nine categories: availability, core functions, support features, content for marketing, communication, integration with online media, user-friendliness, security and best practices.
Banking apps are growing in number and improving all the time, but the Mobile Apps for Banking 2013 report says that there is still a critical lack of advanced, user-friendly features and content. 
While Barclays, HSBC and Lloyds were among the apps being analysed, no UK banks made the top five. The average overall rating of the the apps on offer increased from 35 to 40.
52 per cent of banks offer a contact option for lost and stolen cards and just 56 per cent provide information about the banks products and services to app users. 30 out of 50 banks offer native tablet mobile banking apps.
