Fix VPN Split Tunneling Not Working on Android 14 with Banking Apps and YouTube TV Streaming

You've set up split tunneling on your Android 14 device to keep your banking app secure on your local network while streaming YouTube TV through the VPN, but it's just not working as expected. This powerful feature is meant to give you granular control over your traffic, but when it fails, it can lock you out of apps or ruin your streaming experience. This guide will help you diagnose and fix the most common reasons why split tunneling stops working, from app-specific conflicts to deeper system-level issues on Android 14.

What you’ll learn:

  • How to troubleshoot app-specific and system-wide split tunneling problems.
  • The best VPNs with reliable split tunneling for Android.
  • Advanced fixes for persistent issues with banking and streaming apps.

Why Your Android 14 Split Tunneling Is Failing

Split tunneling is a sophisticated feature, and several factors on Android 14 can cause it to malfunction. Understanding the root cause is the first step to a fix.

App-Specific Conflicts and Permissions

Sometimes, the problem isn't with the VPN but with the individual apps. Banking apps, in particular, are designed with high security and may detect a VPN environment, even if your split tunneling rules say they should bypass it. They might use certificate pinning or other methods to check your network connection, overriding your VPN's settings. Similarly, YouTube TV constantly checks your location, and if the VPN's IP isn't recognized, it may block access regardless of your split tunneling configuration.

Android 14's Enhanced Privacy and Networking Stack

With each update, Android introduces new privacy and security features that can inadvertently interfere with VPN operations. Android 14 has made changes to how apps interact with the network, which can sometimes cause a VPN's split tunneling rules to be ignored. Features like “Always-on VPN” or “Block connections without VPN” can completely override your custom split tunneling list, forcing all traffic, including from your banking app, through the encrypted tunnel.

Outdated VPN App or Configuration Glitches

A simple but common culprit is an outdated VPN application. If your VPN provider hasn't fully optimized their app for Android 14's architecture, its split tunneling feature may be buggy. Furthermore, configuration files can become corrupted, or a simple glitch can cause the app to ignore the rules you've carefully set up.

Step-by-Step Troubleshooting for Split Tunneling

Before you give up, work through this logical sequence of steps to restore your split tunneling functionality.

Step 1: The Basic Restart and Reconfigure

Start with the simplest solutions first. Completely close your VPN app and any apps affected by the split tunneling (like your banking app or YouTube TV). Then, force stop the VPN app from your Android Settings > Apps, and clear its cache. Reopen the VPN app, go to the split tunneling settings, and double-check your list. Remove and then re-add the apps you want to include or exclude. This often resets any temporary glitches.

Step 2: Check for Conflicting Android Settings

Navigate to your Android Settings > Network & internet > VPN. If you have “Always-on VPN” enabled for your VPN service, tap the settings cog next to it and disable it. Also, ensure that “Block connections without VPN” is turned off. These features are designed for maximum security but will bypass any split tunneling rules you have set, forcing all traffic through the VPN.

Step 3: Update Everything

Head to the Google Play Store and check for updates for both your VPN app and the problematic apps (your banking app and YouTube TV). An update for your VPN might contain a critical bug fix for Android 14 compatibility, while an update for the other apps might resolve their conflict with the VPN environment.

Step 4: Reinstall the VPN App

If the problem persists, a clean installation can work wonders. Uninstall your current VPN app, restart your Android device, and then download a fresh copy from the official Play Store. Upon reinstalling, log in and reconfigure your split tunneling settings from scratch. This eliminates any corrupted local data that could be causing the issue.

Choosing a VPN with Rock-Solid Split Tunneling

Not all VPNs implement split tunneling equally well. If you consistently face issues, it might be time to switch to a provider known for a robust and reliable implementation of this feature on Android.

When evaluating VPNs, look for those that offer:

  • Per-App Control: The ability to select individual apps to include or exclude from the VPN tunnel.
  • Android 14 Compatibility: A proven track record of working seamlessly with the latest OS versions.
  • Transparent Settings: A clear and easy-to-use interface for managing your split tunneling rules.

For instance, NordVPN offers a feature called “Split Tunneling” (under the “Features” tab in its Android app) that allows you to choose which apps use the VPN connection. Similarly, Surfshark provides a “Bypasser” feature, giving you fine-grained control over your app traffic.

Best VPN This Month

For users who prioritize a flawless split tunneling experience on Android, ExpressVPN consistently receives top marks. Its split tunneling feature is intuitive, reliable, and works exceptionally well with demanding apps like banking services and YouTube TV, making it a top choice for solving the exact problems outlined in this guide.

Advanced Fixes for Stubborn Banking and Streaming App Issues

If you've tried everything and your banking app still won't connect or YouTube TV buffers, you may need to delve deeper.

For Banking Apps: Try the Inverse Rule

Some VPN apps allow you to configure split tunneling in two modes: “Exclude selected apps from VPN” or “Include only selected apps in VPN.” If your banking app is still being blocked while on the “exclude” list, try the inverse. Switch the mode to “Include only selected apps in VPN” and then only add your streaming apps (like YouTube TV) to the list. This means only those apps will use the VPN, and everything else, including your banking app, will use your regular connection by default.

For YouTube TV: Server Switching and DNS Checks

YouTube TV is notorious for blocking VPN IP addresses. If your split tunneling is working correctly (the app is being routed through the VPN) but you still can't stream, the problem is likely the server you're connected to. Try switching to a different server location within your VPN app. Additionally, check if your VPN has a private DNS feature; using it can sometimes help evade streaming service blocks. For more detailed strategies, see our guide on accessing streaming services with a VPN.

Regain Control of Your Android Traffic

A malfunctioning split tunneling feature can feel like a step backwards, robbing you of the convenience and security a VPN is supposed to provide. By methodically working through the troubleshooting steps—from checking Android's system settings to ensuring you're using a modern, compatible VPN—you can almost always resolve the issue. The goal is to enjoy the best of both worlds: a secure, private connection for streaming and browsing, and a direct, fast connection for your sensitive banking tasks.

Don't let a technical glitch compromise your setup. Test a premium VPN with proven split tunneling on your Android 14 device today and experience the seamless control you deserve.

Cybersecurity Researcher
About the author

Cybersecurity Researcher

Written by Cybersecurity Researcher. Reviewed by the CyberVPNHub Editorial Team. We follow strict editorial standards and independent testing methods.

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