I have internet banking with CIMB, Public, OCBC and StanChart.

User interface wise, Public looks outdated, just like their branches. The other three looks good and modern.

Ease of use wise, CIMB is a little quirky and a new user would need to click here and there to explore and learn how to get things done. Whereas Public, StanChart and OCBC are straightforward in navigation and intuitive to use. OCBC is the best in this aspect.

Security wise, I like that Public and CIMB require 2 factor authentication (2FA) for all payments and fund transfers, thereby increasing security. OCBC and StanChart only require 2FA when setting up new funds transfer payees and billing payees. Thereafter you don't need 2FA when doing transfers and payments. However OCBC is the only one that requires 2FA for logging in to the internet banking site.

My vote of best overall internet banking experience among this four goes to OCBC.