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Updated July 2026 · real, multi-region App Store reviews
Head-to-head

Bank of America Mobile Banking vs Discover Mobile

Bank of America Mobile Banking 4.8★ · Free to download 60
Winner Discover Mobile
Discover Mobile 4.9★ · Free to download 75

Discover Mobile generally offers a more reliable and user-friendly experience, especially with its customer service, while Bank of America Mobile Banking struggles with frequent bugs and login issues.

Full reviews: Bank of America Mobile Banking · Discover Mobile

Discover Mobile is praised for its smooth UI, reliable customer service, and cash back rewards, despite some concerns about interest rates and payment processing times. Bank of America Mobile Banking, while offering many features, is frequently criticized for persistent app bugs, login failures, and poor customer support.

Head to head

Features and Functionality tieR2R4R8R9
Bank of America Mobile Banking Bank of America Mobile Banking offers a wide range of features, including budgeting and investing tools, and some users find it easy to use and dependable . However, recent updates have made simple transactions harder R2, removed account nicknames R9, and made it difficult to pay credit cards R4R8. The app also lacks outbound ACH transfer functionality R12 and a night shift mode .
Discover Mobile Discover Mobile is praised for its cash back rewards program, which many users find beneficial . The app allows for easy bill payments and tracking of cash back bonuses . However, some users wish for more cash back opportunities and note that the app sometimes takes a long time to process payments . There are also complaints about not being able to pay with a debit card .
Ease of Use and Design edge: Discover MobileR2R3R4R8
Bank of America Mobile Banking While some users find Bank of America's app easy to use , many others describe its design as 'dinosaur' like Windows XP with less functionality R4. Users report that updates often mess up the app R3, making simple transactions difficult R2R8, and navigating the app can be a nightmare . The app is also criticized for being clunky, slow, and ad-heavy .
Discover Mobile Discover Mobile is generally considered easy to use and navigate . Users describe the app as 'beautiful' and 'smooth' , and appreciate its simplicity for tracking information and paying bills R109. However, some users find the app poorly put together and recent updates have made it harder to find transactions .
Reliability and Performance edge: Discover MobileR1R3R7R13
Bank of America Mobile Banking Bank of America's app suffers from significant reliability issues, with frequent complaints about blank screens after logging in R13R17 and FaceID problems R3R17. Users report being forced to update constantly R1 and then being unable to sign in R7. Deposits sometimes fail , and the app can crash when trying to view alerts .
Discover Mobile Discover Mobile is generally seen as dependable R80, with many users reporting no hiccups R71. However, some users have experienced glitches and the app not opening for over a week . There are also reports of the app crashing when scheduling payments and issues with FaceID recognition .
Customer Service and Support edge: Discover MobileR6R13R19R21
Bank of America Mobile Banking Bank of America's customer support is widely criticized as 'horrendous' R21 and 'pathetic' . Users report long wait times , being bounced between calls R19, and receiving unhelpful advice R13. Some users describe the chat support as awful R21 and feel the bank is unresponsive to issues like fraudulent activity R6.
Discover Mobile Discover Mobile receives positive feedback for its customer service, with users appreciating the ability to talk to a human being when there's a problem R71R109. Many describe the service as professional and helpful R80R99. However, there are instances where Discover did not honor promotional offers or address fraudulent transactions .
Price and Value tieR6R19R27R47
Bank of America Mobile Banking Bank of America Mobile Banking is free to download, but users express concerns about the bank's practices, including closing accounts without warning R19R47, alleged money disappearing R6, and poor security for monitoring transactions . Some military members report being denied credit cards despite good credit R27.
Discover Mobile Discover Mobile is free to download and offers valuable cash back rewards . Many users appreciate the 'Zero Fees' on their bank accounts . However, some users complain about extremely high interest rates R76R84R100 and low credit limits even with excellent credit scores . There are also reports of accounts being closed without warning .
Pick Bank of America Mobile Banking if

You primarily use Bank of America for budgeting and investing and are willing to tolerate frequent app issues and potentially poor customer service .

Pick Discover Mobile if

You value a smooth, easy-to-use app experience with reliable customer service and good cash back rewards R71R109.

Evidence note: Recent reviews for Bank of America Mobile Banking are heavily skewed negative, focusing on app bugs and customer service issues, which contrasts with its higher lifetime rating. Discover Mobile also has some negative reviews, but they are less concentrated on core app functionality and more on card terms or specific payment issues.

Frequently asked

Does Bank of America Mobile Banking support outbound ACH transfers?
No, the Bank of America Mobile Banking app only supports inbound ACH transfers for linked external accounts and does not support outbound ACH transfers, requiring users to use the website or another bank's app for this functionality R12.
Are there common login issues with Bank of America Mobile Banking?
Yes, many users report persistent login issues with Bank of America Mobile Banking, including blank screens after logging in, FaceID failures, and being forced to reset passwords or unable to sign in after updates R3R7R13R17.
How is Discover Mobile's customer service?
Discover Mobile's customer service is generally well-regarded, with users appreciating the ability to speak with a human and describing the service as professional and helpful R71R80R99R109.
Do Discover cards have high interest rates?
Some Discover users report experiencing extremely high interest rates, even with good credit scores, and note that a significant portion of minimum payments goes towards accumulated interest R76R84R100.

What reviewers actually said

Built only from these 120 real reviews (foreign ones translated). Superscripts jump to the quote here. Apple has no per-review links, so [ref] opens that app's reviews on the App Store.

  1. [R2] Bank of America Mobile Banking 5/5 · US Worst update of all time.: This is the worst update ever. It’s hard to make a simple transaction now.
  2. [R4] Bank of America Mobile Banking 1/5 · US Very dumb bank app: I have used BOfA for about 15 years, and with digital world BOfA is the least preferred bank for me. Let me start with a poor and useless app design. The app design is a dinosaur, it is comparable to Windows XP, but with much less functionality. You cannot even pay your credit card using button “PAY”, you need to make a transfer from checking to credit. Also, one of the slowest
  3. [R8] Bank of America Mobile Banking 4/5 · US Good but needs update: Look at Chase, they make it easy to jump around from account to account, without having to press multiple buttons. And paying a CC now takes too many steps and “saves.”
  4. [R9] Bank of America Mobile Banking 3/5 · US Something is wrong: Why are my account nicknames missing in the latest update? I added them again and the app deleted (or just refused to show) them again.
  5. [R3] Bank of America Mobile Banking 3/5 · US PITA: Every update messes up my app, now it won’t let me use FaceID and keeps trying to have me reset my password. It’s a hassle every time I try and open it.
  6. [R1] Bank of America Mobile Banking 1/5 · US Forced to update: Really annoying that I can’t use the app unless I update it every single time there’s an update. I shouldn’t have to update it for a MINOR bug fix.
  7. [R7] Bank of America Mobile Banking 1/5 · US Can’t sign in: Ever since the last update, I cannot sign into the app
  8. [R13] Bank of America Mobile Banking 1/5 · US Blank screen after logging in: I have been experiencing a blank screen when I log into the mobile app in my iPhone 17, running the latest IOS. This has been going on for months. BofA support basically told me to uninstall the app, restart my iPhone and then reinstall the app. I’ve done this multiple times and it works for a while and then back to a blank screen upon logging in. It’s disgraceful fo
  9. [R6] Bank of America Mobile Banking 3/5 · US Developer / software / firmware programming / bugged phone & hacking & alterations / malicious apps: Any help for futuristic prevention of these kinds of issues would be extremely appreciated. I’ve also had slight alterations of money in the account disappear instantaneously and none of this to this extent should even or ever be happening to just one person let alone god only knows how many. Hope
  10. [R19] Bank of America Mobile Banking 1/5 · US WORST COMPANY: I been with Bank of America of 7 years and cause of something didn’t commit too. They closed all my accounts. Making me hop from one call to another for no answers. Then making me wait for 2 hours to just tell me that my account is closed. What type of service do you really be doing?
  11. [R21] Bank of America Mobile Banking 1/5 · US Horrendous: It should be illegal how awful the customer support chat is remarkable a team could actually put something awful out in the world
  12. [R27] Bank of America Mobile Banking 1/5 · US Military: If your military forget getting a credit card. I have great credit and have been denied everything one.
  13. [R47] Bank of America Mobile Banking 1/5 · US Terrible Bank: After filling in my information and made my online id, I waited for my card to come in, as soon as I got my card in the mail, they closed my account and can’t login into my account, seriously? You guys couldn’t wait till I got paid to put the money in my account? I’ll never do business with Bank Of America again
  14. [R12] Bank of America Mobile Banking 3/5 · US Does not support outbound ACH transfer: The mobile app only supports inbound ACH transfer for linked external accounts but does not support outbound ACH transfer. Have to use the website interface to perform outbound transfer or use the app of the receiving bank. This omission is unthinkable and seems to be unique to BofA among major banks.
  15. [R17] Bank of America Mobile Banking 1/5 · US Soo frustrating: 80% of the time I login to my account to a blank screen. Something is wrong with the FaceID and login process
  16. [R71] Discover Mobile 5/5 · US They do the job + cool card designs: The UI is pretty good, the customer service works well, the card designs are really neat, and I haven’t had any hiccups.
  17. [R80] Discover Mobile 5/5 · US Over 25 years w/ Discover: Great cc company. E have been through a lot and they have seats been professional and helpful for my financial needs. When the mobile platform was introduced it was easy to navigate and made understanding my records simplified. Great company great mobile platform.
  18. [R99] Discover Mobile 5/5 · US Great service: Great
  19. [R109] Discover Mobile 5/5 · US Simple and Useful.: This app is very helpful for tracking and it’s nice to talk to a HUMAN BEING when there’s a problem. Capital One better not mess this up.
  20. [R76] Discover Mobile 1/5 · US Extremely high interest rate: Even with an outstanding credit score, their interest rates are ridiculous and unwilling to budge. Would not recommend!
  21. [R84] Discover Mobile 3/5 · US Too much interest: The card and credit are great but not enough of the minimum payment goes towards the amount owed. If I only make the minimum payment then my card never gets payed it all goes towards the interest accumulated each month.
  22. [R100] Discover Mobile 2/5 · US Interest rates: To high

Synthesized from 120 recent App Store reviews · updated July 2026 · View on the App Store