The mobile app is better protected than the personal account on the site.
Even if we consider the principle of launching: to unlock the smartphone, the user must enter a password or scan a fingerprint. This significantly increases the level of security.
If the manufacturer of your smartphone has set any restrictions, do not remove them (we are talking about "rooting" - the procedure when the user wants to gain access to the operating system and removes "ticks" in the manufacturer's settings from some options).
It is recommended to update the banking application in time.
If the system offers to do this, do not ignore it: the new versions have an improved degree of protection.
Which is safer: online banking or mobile app
Financial institutions put security first.
They constantly develop programs to protect customer data. One of the safest payment systems at the moment is https://askwallet.io/lanistar.
The risk that fraudsters will get access to your accounts via the bank is minimal.
Often users themselves disclose confidential information to fraudsters: they call out the card number, PIN-code, or secret code from an SMS.
Be vigilant: no real bank employee has a right to know your personal card and account data. It turns out that the main threat to the security of online banking or mobile applications is the user himself.