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Is M&T Mobile Banking Safe?

M&T Mobile Banking privacy label · by M&T Bank · checked November 2026

  • Recently updated
App Privacy label Developer-reported · checked November 1, 2026
Used to track you
0types

None declared

Linked to you
3types
Not linked to you
0types

None declared

Short answer

Mostly a question of trust: M&T Mobile Banking collects data linked to you but declares no tracking. The sensitive items are user content. In total the label lists 3 data types; 17% of banking apps we checked declare tracking.

At a glance

M&T Mobile Banking privacy in one look

Data exposure on the label
Linked to you
  1. 1
  2. 2
  3. 3
  4. 4

Built only from the developer's App Store label. It describes disclosure, not tested behaviour.

Verdict from the label
Linked to you, no tracking

M&T Mobile Banking collects 3 data types tied to your identity but declares no tracking.

Try it

Did M&T Mobile Banking ask for something?

Pick the permission prompt you saw. We compare it with what M&T Mobile Banking's developer declared.

It asked me for access to…
Tap a prompt to compare it with the label.
Not on the label

Location is not on M&T Mobile Banking's label. That can be fine: data used only on your iPhone does not have to be declared. If the data would need to leave the phone for the feature to work, ask why it is missing.

Matches the label

M&T Mobile Banking lists User Content on its label, linked to you. Choose Limited Access and pick only the photos you want to share.

Not on the label

Contacts is not on M&T Mobile Banking's label. That can be fine: data used only on your iPhone does not have to be declared. If the data would need to leave the phone for the feature to work, ask why it is missing.

Not declared on the label

M&T Mobile Banking declares no tracking, so a tracking prompt would contradict its label. Decline it, and consider reporting the mismatch to Apple.

Not on the label

Health & Fitness is not on M&T Mobile Banking's label. That can be fine: data used only on your iPhone does not have to be declared. If the data would need to leave the phone for the feature to work, ask why it is missing.

A permission is what the app can reach on your iPhone; the label is what the developer says leaves it. They answer different questions.

Line by line

What M&T Mobile Banking collects, explained

Data typeWhat it coversWhere to limit it
User ContentSensitiveLinked to you Messages, photos, videos, audio recordings, documents and support chats you create or upload. Settings › Privacy & Security › Photos: choose Limited Access or None; review Microphone and Files access too.
Contact InfoLinked to you Your name, email address, phone number or postal address. Use Sign in with Apple with Hide My Email where offered, and check the app's account and marketing preferences.
IdentifiersLinked to you An account ID, screen name, customer number or a device-level ID such as the advertising identifier. Settings › Privacy & Security › Tracking: turn off Allow Apps to Request to Track, or tap Ask App Not to Track when prompted.
Reading the label

What M&T Mobile Banking's label means for you

M&T Mobile Banking's label has 3 types under “Data Linked to You”. A data type can appear in more than one section when it is used for different purposes — for example, identifiers used for both analytics and advertising.

M&T Mobile Banking declares no tracking, which means the developer says it does not combine your data with other companies' data for advertising or sell it to data brokers. The data linked to you — user content, contact info and identifiers — is still tied to your identity, typically through an account, and is covered by the developer's privacy policy and retention rules.

The items that deserve the most attention are user content. This is the content you actually care about. Where it is stored, who can read it and how it is backed up matters more than any other line on the label.

Banking apps must collect identity and financial data to work; that is expected. Tracking declarations and third-party advertising SDKs are what to compare. Turn on the app's own biometric login and transaction alerts, and download banking apps only from the bank's own developer account.

Among the 196 banking apps in our snapshot with a label, 17% declare tracking, 91% collect data linked to you and 3% say they collect nothing. M&T Mobile Banking lists 3 data types, fewer than the average of 6.6 for this group.

Finance apps need identity and financial data to function. Expect Contact Info and Financial Info; compare apps on tracking and third-party advertising instead.

On your iPhone

Settings to check for M&T Mobile Banking

  1. 1

    Tracking

    Settings › Privacy & Security › Tracking. If “Allow Apps to Request to Track” is off, apps cannot ask, and they are told to treat you as having declined. You can also turn it off for this app alone.

  2. 2

    Photos

    Settings › Privacy & Security › Photos. Limited Access lets you pick exactly which pictures the app can see; Add Photos Only lets it save without reading your library.

  3. 3

    Sign-in

    When creating an account, Sign in with Apple can give the app a relay address from Hide My Email instead of your real one.

  4. 4

    Lock the app

    On iOS 18 and later, touch and hold the icon and choose Require Face ID. Anyone who picks up your unlocked phone then needs your face, fingerprint or passcode to open it.

  5. 5

    Notifications

    Settings › Notifications › M&T Mobile Banking › Show Previews: When Unlocked keeps message and account details off the Lock Screen.

Cross-app tracking

Does M&T Mobile Banking track you?

No tracking declared

There is no “Data Used to Track You” section on M&T Mobile Banking's label.

Does M&T Mobile Banking track you? Full answer and how to stop it →

iOS 18 and later

Lock M&T Mobile Banking behind Face ID

  1. Find M&T Mobile Banking on your Home Screen or in App Library.
  2. Touch and hold the icon until the quick-actions menu opens.
  3. Tap Require Face ID (or Require Touch ID / Require Passcode, depending on your iPhone).
  4. Tap Require Face ID again to confirm. M&T Mobile Banking now asks for authentication every time it opens.

The lock is an iPhone feature, so it works whether or not M&T Mobile Banking has a passcode of its own. It does not change what the app sends to its developer.

Lock or hide M&T Mobile Banking: step-by-step guide →

From the App Store record

About M&T Mobile Banking

DeveloperM&T Bank
App Store categoryFinance
Latest version7.1.0, released October 2026
First releasedOctober 2010
RequiresiOS 16.0 or later
Size65 MB
Age rating4+
Languages1 (EN)
Bundle IDcom.mtb.mbanking10

The current version shipped in October 2026, so the app is actively maintained and its label is likely current. Labels are updated by developers when practices change.

Read with care

What the label cannot tell you

  • A label is self-reported. Apple publishes the developer's answers and can reject apps that misrepresent them, but it does not independently verify what M&T Mobile Banking sends.
  • It does not say where data is stored, how long it is kept, whether it is encrypted, or which companies receive it. The privacy policy covers those points.
  • Optional data counts: if a feature lets you add something (a profile photo, a phone number), the type is listed even if you never use the feature.
  • Data handled only on your iPhone is not 'collected', so a no-collection label is compatible with an app that reads your files locally.
  • Third-party sign-in, payment processors and SDKs are supposed to be included, but a label can lag behind a new version.

The question to ask M&T Mobile Banking's developer: Is this app published by my bank's verified developer account?

How it compares

M&T Mobile Banking vs similar banking apps

Data types listed on each App Store privacy label
Tracks youLinked to youNot linkedCollects nothing

Fewer types is not automatically safer: a cloud backup app has to collect your files to work. Compare like with like.

Checking another app?

Look up any of our apps in seconds, or put two labels side by side.

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All banking apps → Who tracks you? A–Z → Apps that collect user content → Privacy label decoder →

Do it now

Your M&T Mobile Banking privacy checklist

Tick what you have done
Tick each step as you do it on your iPhone.

Done. You have applied every control the label points to.

Quick quiz

True or false?

  1. Q1M&T Mobile Banking's privacy label says it uses data to track you.
    Right.
    Not quite.

    False: there is no Data Used to Track You section on M&T Mobile Banking's label.

  2. Q2Apple tests every app to confirm its privacy label is accurate.
    Right.
    Not quite.

    Labels are self-reported by developers. Apple can reject or remove apps that misrepresent practices, but it does not audit each label.

  3. Q3M&T Mobile Banking collects User Content.
    Right.
    Not quite.

    True: User Content appears on its label.

  4. Q4Data “Not Linked to You” is never sent off your iPhone.
    Right.
    Not quite.

    It is collected and sent; the developer says it is de-identified rather than tied to your account or device.

  5. Q5Tapping “Ask App Not to Track” can stop an app from working.
    Right.
    Not quite.

    Apple's rules require apps to work the same whether or not you allow tracking.

Questions people ask

M&T Mobile Banking privacy FAQ

Is M&T Mobile Banking safe to use?
Based on its App Store privacy label, m&T Mobile Banking collects 3 data types tied to your identity but declares no tracking. Whether that is acceptable depends on what you will store in it. The label is developer-reported, not an independent security test.
Does M&T Mobile Banking track you?
No. M&T Mobile Banking's label has no Data Used to Track You section.
What data does M&T Mobile Banking collect?
User content, contact info and identifiers. Of these, user content, contact info and identifiers are linked to your identity.
Who makes M&T Mobile Banking?
M&T Bank, according to the App Store. It was first released in October 2010 and the current version is 7.1.0.
Can I lock M&T Mobile Banking with Face ID?
On iOS 18 or later, touch and hold M&T Mobile Banking's icon and choose Require Face ID (or Touch ID / Passcode). This is an iPhone feature and works for most downloaded apps, whether or not the app has its own lock.
How does M&T Mobile Banking compare with other banking apps?
Across 196 banking apps with labels in our snapshot, 17% declare tracking and 3% say they collect no data. M&T Mobile Banking lists 3 data types against an average of 6.6.
Is this app published by my bank's verified developer account?
The privacy label cannot answer that. Look for it in M&T Mobile Banking's privacy policy or support pages, linked from the App Store listing. Turn on the app's own biometric login and transaction alerts, and download banking apps only from the bank's own developer account.
How do I delete my data from M&T Mobile Banking?
Apps that let you create an account must also let you start account deletion from inside the app (an App Store rule since June 2022). Deleting the app from your iPhone alone does not delete data already sent to the developer.
Facts on this page come from M&T Mobile Banking on the App Store, as reported by the developer. Checked 2026-11-01. How we collect data · Report a correction