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Banking App UI: Top 10 Best Practices in 2024

Every swipe, tap, and click matters in the digital age, the design of a banking app UI can be the difference between a delighted user and a frustrated one. Studies show that a whopping 88% of mobile app users abandon an app after just two uses due to poor usability.

As we step into 2024, the evolution of UI and UX has become more than just a trend—it’s a fundamental shift in how users interact with their finances. Today, a well-crafted banking app UX UI combines aesthetics, functionality, and seamless user experience, setting the stage for a revolution in digital banking. It’s all about achieving a winning fintech UI UX design that resonates with users and sets new standards in the industry.

Bnking app ui

Why does this matter?


  • Trust & Convenience Rule: In finance, a smooth and trustworthy experience is king.
  • Digital Facades: Your app’s UI/UX is the first impression, guiding users on their financial journey.
  • Beyond Aesthetics: A well-designed UI goes deeper than looks – it anticipates user needs.
  • Effortless Security: Every interaction should be secure and user-friendly.
  • Building Control: A well-crafted UI empowers users to feel in control of their finances.


As we dive into the top practices for banking app UI, we’re not just talking about current trends; we’re exploring the future of banking design—a future where digital experiences are so intuitive, that they feel like second nature to users.


Whether you’re a designer looking to elevate your next project or a financial institution aiming to redefine how customers view your services, understanding these best practices is crucial for building fintech app products in 2024.


Before we explore these groundbreaking practices, let’s take a moment to appreciate the “Importance of a well-designed UI” in banking apps. It’s the cornerstone of user engagement and satisfaction, acting as the bridge between innovative financial technology and the everyday user


Importance of a well-designed UI

Banking transactions are no longer confined to the walls of physical branches, the importance of a well-designed UI in banking apps cannot be overstated. A banking app UI (User Interface), serves as the bridge between the financial institution and its customers, making it crucial for facilitating a smooth, secure, and satisfying banking experience.


Why is Banking App UI So Crucial?


1. First Impressions Matter

The UI of a banking app is often the first point of contact between the bank and its customers. A sleek, intuitive design not only impresses new users but also instills confidence in the app’s functionality and security. Studies show that users take about 50 milliseconds to form an opinion about a website or app based on its design. The right app UI can turn occasional users into loyal customers.


2. Enhanced User Experience (UX)

At its core, a well-designed UI is about more than just looks. It’s about providing a seamless user experience. Banking app UX, with its complex transactions and need for secure operations, benefits immensely from a UI that simplifies navigation and makes financial tasks less daunting. The banking app UX designs anticipate user needs and minimize friction, making banking a breeze.


3. Boosted Engagement

A banking app that’s a chore to use will see less engagement. On the other hand, an app with an engaging UI encourages users to explore more features, such as savings tools, investment options, and financial advice, ultimately deepening their relationship with the bank.

Boost engagement

4. Accessibility and Inclusivity

A well-thought-out banking app UI considers all users, including those with disabilities. Incorporating accessibility features and following a universal banking design system ensures that everyone, regardless of their physical abilities, can manage their finances independently and confidently.


5. Security and Trust

In the banking industry, trust is paramount. A well-designed UI contributes to a sense of security by incorporating clear, understandable visual cues that reassure users about the safety of their transactions and personal data.


6. Brand Identity

The UI of a banking app reflects the bank’s brand identity. Consistent use of colors, fonts, and design elements across the app reinforces the brand, making the digital banking experience an integral part of the bank’s overall customer service. Given the significance of the app UI, adopting best practices in UI design is essential for creating an app that stands out in the competitive financial landscape.


These practices ensure that the app is not just visually appealing but also functional, secure, and user-friendly. Let’s explore how these practices can revolutionize the banking experience for users worldwide.


Top 10 Best UI Practices for Banking Apps

In the digital world of banking, it’s clear that the interface of a banking app can make or break the user experience. With the right UI practices, a banking app can transform from a mere transactional platform into an engaging, secure, and intuitive tool that users love. Here are the top best UI practices for banking apps to ensure your app stands out.


1. Heuristics and trendy aesthetics

Just imagine a banking app UI that feels dated and clunky. Not exactly inspiring, right? Here’s where heuristics and trendy aesthetics come in Heuristics are design principles that ensure your app UI follows best practices for usability and user interaction. Think clear labels, intuitive navigation, and a layout that feels familiar yet fresh. A dash of trendy aesthetics, without compromising clarity, can further elevate the user experience.


Take a peek at the Monzo app UI. Their use of bold colors and playful illustrations puts a modern spin on traditional banking design, making it feel approachable and engaging.

Heuristics and trendy aesthetics in Monzo

2. Cards instead of lists

Ever felt overwhelmed by a sea of text in your banking app UI? Lists can be a snooze. Cards, on the other hand, offer a more visually appealing and digestible way to present information. They allow you to categorize transactions, account balances, and other details in a clean and organized manner.


Kotak Bank’s 811 app UI is a great example. They use cards to display recent transactions and account summaries, making it easy for users to scan through their financial activity. This approach minimizes clutter and promotes a more streamlined banking app UX.

Cards instead of lists in Kotak 811

3. Landing pages with statistics

Landing pages within your banking app UI can be powerful tools for showcasing key financial information. Imagine a dedicated landing page that displays your account balance, upcoming bills, and spending trends in a visually compelling way. This allows users to quickly grasp their financial health at a glance.


Ally Bank’s app UI excels in this area. Their “Overview” page provides a clear picture of your financial situation, empowering you to make informed decisions about your money.

Landing pages with statistics in Ally

Image source: Deposit accounts


4. Gamification and rewards

Let’s face it, managing finances isn’t always a thrill. But what if your banking app UI gamified the experience? Imagine earning badges for achieving savings goals or receiving rewards for consistent budgeting.


Capital One’s app UI incorporates gamification elements to make responsible banking practices more engaging. Their “Progress Towards Goals” feature adds a playful twist to financial management, motivating users to stay on track with their financial aspirations.

Gamification and rewards in Capital One

5. Useful notifications: HDFC

A well-timed notification from your banking app UI can be a lifesaver. Imagine receiving an alert about a suspicious login attempt or a gentle reminder about an upcoming bill payment. Timely and relevant notifications keep you informed and empower you to manage your finances proactively.


HDFC Bank’s mobile app UI offers customizable notification settings, allowing users to receive alerts that are most relevant to their needs, ensuring they stay in control of their financial activity.

HDFC bank security

6. Microinteractions

The little things can make a big difference in a banking app UI. Microinteractions are subtle animations or feedback mechanisms that enhance user interaction. It’s like a button that subtly pulses when you hover over it, or a satisfying vibration that confirms a successful transaction.


These microinteractions provide a layer of polish to your app UI, making it feel more responsive and engaging. Chime Bank’s app UI is a masterclass in micro-interactions. From subtle animations when toggling features to haptic feedback for successful actions, these details elevate the user experience and make interacting with the app a delight.

Microinteractions in Chime

7. Biometric Authentication

Security is paramount in banking. Biometric authentication, such as fingerprint scanning or facial recognition, offers a secure and convenient way for users to access their accounts. Integrating this practice into your app UI empowers users to log in quickly and securely, without the hassle of remembering complex passwords.


For example, Axis Bank’s mobile app UI utilizes fingerprint authentication, allowing users to access their accounts with a simple touch, adding a layer of security without compromising on ease of use.

Biometric Authentication in Axis bank

8. Progressive Disclosure:

Progressive disclosure is a design principle that prioritizes clarity by revealing information only when needed. In your banking app UI, this can translate to features and options being hidden within menus or appearing only when a user specifically seeks them out.


This keeps the main screen clean and uncluttered, allowing users to focus on the tasks at hand. A great example is the IDFC FIRST Bank’s mobile app UI.


They utilize progressive disclosure by keeping the main screen focused on essential functions like account balance and recent transactions. Additional features and options are neatly tucked away within menus, ensuring a user-friendly and clutter-free experience.

IDFC first UI



9. Accessibility Features

A well-designed app UI should be inclusive and accessible to everyone, regardless of their abilities. This includes incorporating features that cater to users with visual impairments, hearing difficulties, or motor limitations. Some examples of accessibility features include:


  • Screen reader compatibility: This allows users with visual impairments to navigate the app using voice commands or text-to-speech software.
  • High-contrast mode: This increases the contrast between text and background colors, making the app easier to read for users with visual impairments.
  • Voice control: This allows users to perform actions within the app using voice commands, making it easier for users with motor limitations.


For instance, leading banks like JPMorgan Chase & Co offer a range of accessibility features in their mobile app UI. These features include screen reader compatibility, high-contrast mode, and voice control functionality. Their commitment to inclusive design ensures that everyone can manage their finances independently and with confidence.

Accessibility Features in PMorgan Chase & Co

10. Data Visualization

Financial data can sometimes feel overwhelming in a banking app UI. Data visualization comes to the rescue! This practice involves presenting complex data in a visually appealing and easy-to-understand format.


Think charts, graphs, and infographics that bring your user’s financial information to life. This allows users to quickly grasp their spending habits, identify trends, and make informed financial decisions.


The mobile app UI of RBL Bank utilizes data visualization effectively. They present users with clear and concise charts that depict their spending patterns, making it easier for them to understand their financial health and track their progress toward goals.

Data Visualization in RBL

Consider ProCreator as your trusted partner

So, you’ve conquered the top 10 best practices for crafting top-notch banking app UIs. Now comes the exciting part: bringing your vision to life! But where do you begin? Look no further than ProCreator, your trusted partner in navigating the ever-evolving landscape of banking design.


We understand the complexities of creating an app UI that seamlessly balances functionality, security, and user experience (UX). From intuitive navigation that empowers users to manage their finances with ease to visually captivating elements that foster trust and engagement, ProCreator is here to guide you every step of the way.


Why Partner with ProCreator for Your Banking App UI?

Adept in Banking Design

Our team has a proven track record of crafting exceptional app UIs specifically for the financial industry. We understand the unique needs and challenges you face. We ensure your app adheres to industry best practices while still creating a unique and visually engaging UI that sets you apart from the competition.


The Nvest Example: See for Yourself! Don’t just take our word for it. Our design team crafted a user interface for the cutting-edge investment platform, Nvest, that prioritized:


  • Clarity: Intuitive navigation streamlined the investment process.
  • Security: A focus on user security fostered trust.
  • User Education: Clear data visualization made financial information readily understandable.
  • Modern Aesthetic: A trustworthy and modern aesthetic builds user confidence.

Nvest app UI

Check out the full Nvest Case Study to see the results!


UI/UX Powerhouse

We’re a UI/UX powerhouse that goes beyond aesthetics. We don’t just design beautiful interfaces; we craft intuitive and user-friendly experiences that cater to all your banking app users’ needs.


Kinntegra Case Study: User-Centric Design in Action! See how we put this into practice for Kinntegra’s mobile app:


  • Clear Information Hierarchy: Users can easily find the information they need.
  • Intuitive Navigation: Hassle-free navigation allows users to manage finances with ease.
  • Enhanced Features: Easy fund transfers and data visualization for a more streamlined experience.


Check out the full Kinntegra case study to see how we transformed their mobile app

Kinntegra mobile app ui

Building a Cohesive Banking Design System:

A strong design system is the key to a successful banking app. We work closely with you to establish a design system that ensures:


  • Consistency: A uniform user experience across your app.
  • Efficiency: Streamlined development process.
  • Scalability: Easy integration of future features.


Bajaj Allianz Case Study: Design System in Action! See the impact of our work for Bajaj Allianz:


  • Comprehensive System: Created a system encompassing core UI components and branding guidelines.
  • Unified Experience: Ensured consistent user experience across platforms (mobile app, web app, etc.).
  • Future-Proof Design: Streamlined integration of future features while maintaining design consistency.


Check out the full Bajaj Allianz Case Study to see the power of a well-built design system.

Bajaj app UI


Passion for Innovation

The world of banking is constantly evolving, and so are we! ProCreator stays at the forefront of the latest UI/UX trends and technologies. We’ll infuse your app UI with innovative features and functionalities that keep your users engaged and propel your banking experience into the future.


By partnering with ProCreator, you gain a dedicated team of experts who are passionate about creating designs that not only look great but also empower users to manage their finances with confidence.


Key Takeaways

The future of banking is digital, and the key to success lies in crafting a user experience that is both intuitive and secure. By prioritizing user needs and following these top 10 UI best practices, you can design a banking app that:


  • Inspires trust and confidence with a sleek, modern design.
  • Makes managing finances a breeze through clear navigation and intuitive features.
  • Empower users to take control of their financial health with data visualization tools.
  • Keeps users engaged with gamification and informative features.
  • Provides peace of mind with robust security measures like biometric authentication.


Remember, a well-designed app UI isn’t just about aesthetics; it’s about building a bridge between innovative financial technology and everyday users.


Partner with a digital design agency to Create a Winning Banking App UI. Don’t let your banking app become another statistic in the app graveyard. Partner with the Best UI UX design agency in Mumbai to craft a UI that sets you apart.

Prerna Bagree

Make your mark with Great UX