My iPad says my software is up to date with 10.3.3. I need a more recent version to support my banking

Update to iOS11 or later isn’t possible.

Update support for iPad4 ended September 2017. The final iOS releases for this model were iOS 10.3.3 (WiFi Only models) and iOS 10.3.4 (WiFi & Cellular). iPad4 cannot be updated to any later major version of iOS as it lacks the minimum hardware requirements needed to run more recent versions. The 32-bit platform upon which the iPad4 is based is obsolete and unsupported.

Many App Developers have also dropped support for older devices and iOS versions preceding iOS11/12/13 - and have withdrawn older versions of their Apps from the Apple App Store. Withdrawal of Apps supporting older models of iPad is making their utility and usefulness significantly more limited. Once compatible versions Apps are withdrawn, you’ll not be able (re)download or (re)install them.

Many banking Apps require an OS that is actively supported and updated. If update support has ceased, security patches and updates are not being regularly applied. As a result, for security of your accounts, banks will drop App support for OS versions that have ended OS security updates.

If Apps that you need to use now have higher minimum iOS-version requirements, your only option is to replace your iPad with newer model. Of current models, even the entry-level iPad8 supports current iPadOS 14 - and has hardware specifications and capabilities that vastly outperform your old iPad4.

I hope this information is helpful - if only in clearly stating the limitations of your iPad4 and your available options.

Then you really need to seriously consider a new iPad model OR a much, MUCH “newer” and less expensive, used iPad models, from better known, trusted Apple product/device retailers/resellers, capable of running the latest iPadOS versions.

There are plenty of newer, older iPad models that can run the latest, current versions of iPadOS.

Sorry & Best of Luck to You!

If your iPad is running iOS 10.3.3 then its an 8 year old iPad 4 and cannot be updated beyond that.

If you need a newer iOS version you’ll need a newer iPad.

Older iPads cannot be updated to the current version. A 4th generation iPad, for example, cannot be updated beyond iOS 10.3.3 (or 10.3.4 if the cellular model).