Verithiathe honest score on any app
Updated July 2026 · real, multi-region App Store reviews
Head-to-head

Bank of America Mobile Banking vs Amex

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

Amex has a slight edge due to its more consistent app performance and highly praised customer service, while Bank of America Mobile Banking struggles with frequent app issues and poor support.

Full reviews: Bank of America Mobile Banking · Amex

Bank of America Mobile Banking users frequently report app instability, login issues, and poor customer support. Amex users, while also experiencing some app glitches and concerns about fees, generally praise its customer service and overall reliability.

Head to head

Features & Functionality tieR4R8R9R12
Bank of America Mobile Banking Bank of America Mobile Banking offers core banking functions, but users report difficulties with basic tasks like paying credit cards, making outbound ACH transfers, and depositing checks R4R8R12. Some users find the design outdated and clunky, with unwanted marketing alerts R4. Account nicknames sometimes disappear, and the 'Erica' AI is considered useless R9.
Amex Amex provides features for managing balances, making payments, and exploring benefits and airport lounges . Users appreciate the ease of use for these functions . However, some report issues connecting external bank accounts and difficulty navigating to find usernames or passwords . There are also complaints about the app forcing updates and soliciting reviews .
Ease of Use & Reliability edge: AmexR1R2R3R7
Bank of America Mobile Banking Many Bank of America Mobile Banking users experience significant reliability issues, including blank screens after login, FaceID failures, forced updates, and general slowness R1R2R3R7. Some users cannot even install or sign into the app .
Amex Amex is generally considered easy to use and reliable by many users . However, some report the app being very slow to load and logging out too quickly . There are also instances of payments taking a long time to process .
Customer Support edge: AmexR10R19R21R23
Bank of America Mobile Banking Bank of America Mobile Banking receives numerous complaints about poor and unhelpful customer support, with long wait times, dismissive attitudes, and a lack of resolution for issues R10R19R21R23.
Amex Amex customer service is frequently praised for being helpful, responsive, and resolving issues on the first call R77. However, some users report bad service, unhelpful chat support, and representatives lying or charging illegally .
Security & Fraud Protection edge: AmexR6R19R47R48
Bank of America Mobile Banking Bank of America Mobile Banking users report concerns about security, including money disappearing from accounts, poor alert systems compared to other banks, and issues with accounts being locked or closed without clear reasons R6R19R47R48.
Amex Amex is highly praised for its security features and fraud protection, with users appreciating real-time notifications for suspicious activity and quick resolution of potential fraud R95R108R113. However, there are isolated reports of fraud purchases being allowed even after cards were reported lost, and some users feel customer protection has declined R108.
Price & Value tieR19R27R47R61
Bank of America Mobile Banking Bank of America Mobile Banking is free to download, and reviews do not focus on app-specific costs. Some users express dissatisfaction with the bank's overall policies, such as denying credit cards to military personnel or closing accounts R19R27R47.
Amex Amex is free to download, but many reviews discuss the value of the card itself, with complaints about high annual membership fees, high interest rates, and changes to credit limits R61. Conversely, many users praise the cashback rewards and benefits as excellent value .
Pick Bank of America Mobile Banking if

You are an existing Bank of America customer who primarily needs basic account viewing and finds the app generally dependable, despite recent issues .

Pick Amex if

You value strong customer service and robust fraud protection, and are looking for a credit card app that is generally easy to use for managing rewards and benefits R77R95.

Evidence note: Both apps have a high lifetime rating, but recent reviews for Bank of America Mobile Banking show a significant negative skew, indicating a decline in user satisfaction due to persistent technical issues. Amex also has some negative recent reviews, but the positive feedback on customer service and security is more consistent.

Frequently asked

Which app has better customer service?
Amex generally has better customer service, with many users praising their responsiveness and ability to resolve issues quickly R77. In contrast, Bank of America Mobile Banking users frequently report long wait times and unhelpful support R19R21R59.
Are there common technical issues with Bank of America Mobile Banking?
Yes, Bank of America Mobile Banking users frequently report issues such as blank screens after logging in, FaceID failures, forced updates, and general app slowness R1R3R7R13.
Is Amex good for fraud protection?
Amex is highly regarded for its fraud protection, with users appreciating quick notifications for suspicious activity and effective measures to secure their accounts R95R108R113R118.

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. [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
  2. [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.”
  3. [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.
  4. [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.
  5. [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.
  6. [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.
  7. [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.
  8. [R7] Bank of America Mobile Banking 1/5 · US Can’t sign in: Ever since the last update, I cannot sign into the app
  9. [R10] Bank of America Mobile Banking 1/5 · US Buggy and bad: If only they worked as hard at their customer service and app function as they did at gaming apples review process. Noticeably worse than other banking apps which is fitting with their notably worse customer service Disappointed Alaska Airlines uses this for their cards
  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. [R23] Bank of America Mobile Banking 1/5 · US PÉSIMO: Banco malísimo no lo recomiendo ni como última opción, que problema para que le resuelvan una inquietud o problema al cliente. Programe una llamada, me llaman para hacerme esperar 1 hora jajaja q fiasco
  13. [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
  14. [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
  15. [R48] Bank of America Mobile Banking 1/5 · US Thieves: They steal money without notifying you. If you get with them might want to have a lawyer ready.
  16. [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.
  17. [R61] Amex 1/5 · US Annual increase in membership fees and change of credit limit: The “perks” associated with having the card just is not worth the membership fee. Also, they will change your credit limit at anytime according to your relationship with other creditors with no warnings. There are so many other options out there than this card. It has truly changed over the years. Not worth it!
  18. [R59] Bank of America Mobile Banking 1/5 · US Horrible customer support: I waited more than 20 mins on the phone line for a small request. Absolutely pathetic on-call support. Do better
  19. [R77] Amex 5/5 · US Customer service: Resolved issue at 1st call.
  20. [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
  21. [R95] Amex 5/5 · US Amex security is fantastic!: Great job Amex-it was a legitimate charge but it wasn’t from my device. You flagged out and asked for my confirmation. Thank you!
  22. [R108] Amex 1/5 · US Horrible Fraud Protection: Allowed a fraud purchase for over $3,000 even after the lost card was reported and locked. Then allowed hotel purchase on the replacement card before the card was appropriately verified. In addition, customer could not understand my concerns. Completely unhelpful. They will eventually reverse charges , after 30 days, but it would avoid the hassle of the purchase was app
  23. [R113] Amex 5/5 · US Is This Fraud: I was signing up for something unusual. I made a mistake in my expiration date. AMEX thought it was possibly fraud. Within a minute or two I had a notification from AMEX about this transaction. I could verify that it was my purchase. transaction. The purchase was completed quickly. Thank you.
  24. [R118] Amex 5/5 · US Secure!: Great website and secured at the same time. Great deals on the American Express credit cards

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