Using mobile apps saves bank customers 96 million hours and 24 million miles of travelling every year - that's 24 hours and 73 miles each.
Customers using online and mobile banking make 12 fewer journeys to the bank every year compared with 20 years ago, analysis by RBS/NatWest of its own customers has found.
The banks' customers make, on average, four transactions every month that would have required a visit to their local branch 20 years ago.
By making transactions on their phone, tablet or computer, customers are saving themselves an average six-mile round trip to their bank - or just under 73 miles a year per person, and the banks estimate that saves customers around 24 hours a year.
The morning commute is the most popular time for customers to access their accounts online, with more than 167,000 customers using their mobile app between 7am and 8am.
On the banks' busiest mobile banking day so far, the busiest time for payments was at 7.17am, while the busiest time for log-ins was 8.06am.
Les Matheson, chief executive of personal and business banking for RBS and NatWest, said: "Over time, new technology has made managing our finances possible 24 hours a day wherever we are. Many transactions that involved planning a visit to a branch 20 years ago can now be done instantly from a device in your pocket, on the move or from the comfort of your own home."