publication
2026-01-19 06:00
In the third quarter of 2025, most of us accessed the bank via an app. In the data from the banks surveyed, the share of mobile logins was usually approximately 89-91%, and the browser already played an auxiliary role. It's already an established habit – we dealt with everyday financial matters with our thumbs.
Data collected by Bankier.pl shows that in the third quarter of 2025 in banks, the proportions between logging in via applications and computers shifted overwhelmingly towards phones. In most banks, the share of mobile logins was around 89-91%, and only around 9-11%. logged in using computers. This means that we use the PC less and less often to service the bank.
The new NetB@nk report of the Polish Bank Association confirmed this direction. In the third quarter of 2025, the number of active online banking users (those who logged in at least once a month) decreased by approximately 3%. quarter to quarter, to approx. 22.5 million. At the same time, active users of mobile applications increased to nearly 27 million (approx. +2% q/q), and the “mobile only” group exceeded 20 million.
This is important because over the last two decades, banks have recorded a constant increase in the number of online banking users (understood as logging in via computer). In 2025, this trend was reversed – declines occurred.
Why does the app win?
The reason is simple: speed and convenience. We have the phone at hand, logging in using biometrics takes seconds, and authorizations come in the same place. The most common tasks – balance preview, phone transfer, BLIK, transaction confirmation – are performed faster in the app than in the transaction website. Banks also invest mainly in the mobile channel, so new functions appeared there first.
What's next for the computer?
Online banking has not disappeared – it is useful for “larger” tasks: longer statements, statements or applications requiring several steps. However, it is clear that the share of this channel is decreasing. The Polish Bank Association recorded a decline in active website users both in the second quarter of 2025 (-3% q/q) and in the third quarter (another -3% q/q), even though the total number of accounts with access to e-banking remained above 45 million. This means that there is access, but we log in less often.
The most important conclusions
- Mobile logins accounted for approximately 9 out of 10 entries to the bank; this level remained between the second and third quarter of 2025.
- The Polish Bank Association recorded a further decline in active users of online banking and an increase in active users in applications and “mobile only”.
- For customers, this means faster everyday matters in the app, and for banks – the need to ensure the stability of the application and provide a simple “plan B” in the browser.
