More consumers are completing banking transactions, like paying a bill, through online and mobile services, a new survey from Fiserv Inc. has found.

Roughly one out of four survey participants have used mobile banking, while 40% of those users have paid a bill using their phone (up from 28% in 2010), the Brookfield, Wis., found in the survey released on Monday. Those who used their mobile phone to transfer money increased from 25% in 2010 to 32% in the current survey.

Of the mobile bankers, 60% said they used the browser on their phone to access their mobile banking services while 41% used a downloadable application and 32% accessed these services through text messaging. Forty percent of mobile phone users said they trust their bank or credit union to handle mobile payments while 35% said they trusted PayPal and 33% identified Visa for this category.

More than 40% of respondents who currently own a tablet said they had accessed online banking through that device. Of current and prospective tablet owners, 30% said they would not like to access banking services through a tablet while 45% said they would.

Online bill payments accounted for 50% of all bill payments made by U.S households with Internet access, up from 13% in 2002, Fiserv said.

The study, conducted in August by The Marketing Workshop, surveyed 3,000 individuals who were demographically representative of U.S. households with Internet access.