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As a result, the question facing most banks nowadays is not whether they should invest in banking app design, but how they should go about designing one. Why? Competitivity – every bank worth its bricks and mortar is doing it.While banks typically competed in the past by marketing their size and prestige, along with trying to offer the best financial products, they’re now faced with a new challenge: creating a mobile app design that keeps customers happy.Hence, when it comes to mobile banking app design, usability reigns supreme. When the quality of services they offer doesn’t vary greatly from the competition, having a usable app may be their winning feature.To further illustrate the increasing importance of banking app design for financial institutions, we just need to look at the precipitation of app-based banks over the last few years. Sometimes referred to as “challenger banks”, they depict this newfangled competitiveness in mobile banking app design. Mobile banking has become so important that these financial entities are based on apps alone, with no physical presence.So, if you’re looking to create a banking app design that’s likely to keep current banking clients satisfied or reel in new users (customers!), this post is for you. Read on for our list of 10 essential UI design patterns for banking apps, along with tips on how to achieve the best UI design.Banking app design: intuitive UIs are a mustA huge factor in good usability is great UI design. If your UI is intuitive and easy to navigate, it will reduce cognitive load on your users and help them get things done faster. If your banking app design manages to achieve this, you’re on to a winner.Note: For more information on how to create generally intuitive UI designs, check out our prototype examples page.On the other hand, if a bank branch has customers coming in regularly to ask how to use certain features of the app, then it’s clearly due to poor banking app design and bad usability. This type of problem has to be fixed, and fast.Defining your user base and carrying out the appropriate user testing techniques before you begin your banking app design is crucial. Obtaining regular feedback from your users during the design process is equally important.Your target users will help you define which UI patterns and features your banking app design really needs.Top 10 UI patterns for banking app designWhen it comes to banking app design best practices, there are some rules you can holistically apply across every app category, while others are more sector specific, like security features.Your design should include the latest security facilities available on mobile devices such as fingerprint unlock and facial recognition. Make your users feel safe without having them jump through hoops to see their balance.In this list, we’ve included the UI patterns that work well for banking app designs of all kinds. Let’s take a look at the design qualities of some of the best mobile banking apps out there on the market.TABLE OF CONTENTS01. Heuristics and trendy aesthetics: Revolut02. Helpful tips and virtual assistants: Bank of America03. Cards instead of lists: N2604. Vertical scrolling and progressive disclosure: Chase05. Landing pages with statistics: Starling Bank06. Visible and swipeable account cards: Lloyds Banking Group07. Gamification and rewards - Monese08. Maps (spending locations and nearest ATMs): Monzo09. Useful notifications: CreditWise (Capital One)10. Social banking keyboard: Itaú Unibanco01. Heuristics and trendy aesthetics: RevolutThe first and foremost aspect that’s important in modern banking app design is a friendly, appealing UI that aims to add clarity and reduce cognitive load.Modern banking app designs are ditching the typical, prestigious, somber graphics and colors of traditional banking apps in favor of a minimalist, colorful or even playful, UI design. Choosing an appealing color scheme that reflects your brand is a great way of achieving this.One great example of a mobile banking app design that uses a trendy UI design and color scheme is that of challenger bank, Revolut. This app takes advantage of its purple, pink, white and blue branded color scheme to add contrast and clarity throughout the app while providing consistency throughout each page.Revolut uses various colors and color shades to differentiate currencies, accounts and options, along with loud pink color for call to actions. It also uses various shades of grey scale to distinguish important text and explanatory paragraphs.Another neat feature, and a characteristic of Nielsen Norman Group usability heuristics, is that it displays your debit and credit cards as they are in real life, letting you swipe horizontally to choose which card account and settings you want to view.02. Helpful tips and virtual assistants: Bank of AmericaCreating an intuitive banking app design can be tricky. Guiding a user through the initial learning curve can be even trickier, but if done right, can also pay off tenfold by bumping usability through the roof.Firstly, there are some pitfalls to avoid. Many apps will think nothing about cluttering the UI with “hints”, “suggestions” and “tips”. This clutter can overwhelm the user or distract and frustrate them. Many receive unhelpful tips that they could have figured out themselves. Sometimes it’s hard to remember all the tips in an app and other times, it’s best to let a user learn by doing.Afterall, a good banking app design should be intuitive and need minimum explanation. So how do we get the balance right? The trick seems to be doing it at the right time, or giving the user the option to find out more information about a feature or element of the UI with inline tips.However, Bank of America (BOA) came up with a unique workaround for their banking app design. They guide their users with a virtual assistant, Erica. In a similar fashion to iOS’s Siri, Erica asks the user what they want to do as they log into their app and guides them through it. BOA users can ask Erica for anything, whether it’s viewing their checking account balance or making a transfer.This optional feature is a great example of how to guide a user through your app’s UI without overwhelming them with tips they might not remember or cluttering their screen with useless information.03. Cards instead of lists: N26A great way to improve readability in your banking app design is to convert long lists of options to cards. That is, instead of having a vertical list of text links, use cards with text and symbols that your users can tap on.These cards can be grouped in a way that looks like they form a set of panels or a grid. Arranging options on cards in this way guides a user’s eyes more easily. It makes each option more visible, helping the user find the feature or service they’re looking for faster, thus saving time and improving usability.A good example of using cards to achieve this end is the challenger bank, N26’s mobile banking app design. In their insurance section, each product is displayed as a card, instead of a vertical list. Each card has microcopy providing a description and an image.The result is a more simple UI design. It makes the options readable and the design friendly. For us, it’s a win-win all round.04. Vertical scrolling and progressive disclosure: ChaseMobile banking apps are often data heavy. They contain detailed information about a users’ accounts and debts, along with the services on offer to them. Just logging into your banking app to check out your finances could lead to information overload pretty quickly. Unless it’s done right.Revealing information in small segments makes it easier for the brain to process more information. This is also evident in form design, where breaking up questions into smaller segments can actually help a user fill it in more quickly and accurately.This technique, known as Progressive Disclosure, is paramount to ensuring that your users aren’t overwhelmed by a sudden cascade of information.Chase is a great example of incorporating the rule of progressive disclosure into mobile banking app design. The app’s homepage presents the user with a series of cards that display nothing but the name and balance of each account. The user can then display more information about each account, such as transaction statements, by tapping a card.Another nice touch is that users can arrange their accounts into the order of which ones they want to show up first on the homepage. They can personalize the UI by simply dragging and dropping them into place.We also like the way the accounts are vertically stacked as opposed to horizontally, where some balances would otherwise be hidden from the user’s view.05. Landing pages with statistics: Starling BankAn important pattern to consider in banking app design, is to give the user access to screens that display insights about their finances. These are usually statistics based on things like spending habits, debt settlement records and savings.Challenger apps are more likely to offer these in-depth analyses about a user’s spending habits. This feature helps users to feel more in control of their finances and is worth including in any banking app design.Many challenger apps use a simple UI pattern to break down complex financial information. This means that users who aren’t financial experts can see a breakdown of their expenses, credit card debt and credit scores in a way they understand quickly and clearly, with a minimum learning curve.Starling Bank is an excellent example of how to integrate personal finance statistics into a mobile banking app design. Financial statistics, which might otherwise be interpreted as boring or intimidating to non-experts, can convey useful insights in a way that’s easy on the eyes in this app.Starling’s statistics UI pattern includes a landing page with the balance clearly depicted at the top, with an overdraft display and a simple chart with a breakdown of expenses. All on one screen!06. Visible and swipeable account cards: Lloyds Banking GroupOne of the main trends that we’ve been seeing that users really appreciate in modern banking app design is being able to immediately see the balances of all their accounts on the landing screen. This is because people like to check the most important information first.Lloyds Banking Group is a marvellous example. Their banking app design allows users to see their main primary checking account balance displayed on a card as soon as they log in to the app.The user can then easily swipe to see other accounts. The app manages to make use of what little screen real estate is available to achieve this without cluttering the UI.But there’s another neat feature making this banking app design a hit with users. That is, the user can easily see the balance of each account when they transfer money from one to the other.Take a look at our Q/A with LLoyds Bank Senior UX Designer, Tiago Marques where he also explains how to validate ideas with prototypes and what video gaming can teach us about UX!Lloyd’s banking app design also makes it easy to see pending payments on mortgages, loans and credit accounts, in addition to letting the user open new accounts in the app. Now that’s what we call good usability!07. Gamification and rewards - MoneseGamification is a technique that can keep users engaged and have them access your app for more than just getting things done. It can also help your app become more popular as users talk about it. And if your gamification feature gets multiple users interacting with each other, even better!We like how challenger bank, Monese, found a UI solution to incorporate a gamification feature into their banking app design. It’s a novel take on banking apps that could set a benchmark for boosting banking app ux.For this feature, Monese teamed up with Avios, which is a common points system shared between Bristish Airways Executive Club, Vueling Club, AerClub, Meridiana Club and Iberia Plus.The idea is that Monese users can on any Avios partner brands such as JustEat or John Lewis using their Monese card. By doing this, they can earn Avios points, which they can even transfer to other users.08. Maps (spending locations and nearest ATMs): MonzoMaps are very typical in mobile banking app design and they’re often used for one sole purpose: to locate the nearest ATMs of that bank, relative to the user’s position. This is a handy feature – it is slightly easier to search for the relevant ATM’s on your mobile banking app than to find them on Google or Apple maps. But they’re hardly a unique pattern in mobile banking app design.Enter another challenger bank to shake up the scene: Monzo. This mobile banking app brings a feature that, until recently, has been unheard of in mobile banking app design – mapped transactions.This feature allows users to not just see a list of recent transactions with the name of the payee and the amount. It actually displays on a map where exactly each transaction occurred. Many users can probably attest to having been in the following scenario:You make a transaction that doesn’t show up in your statement of transactions until a few days later. When it does, the payee name doesn’t match the name of the shop, causing confusion and resulting in your not being able to recall that transaction with ease.Monzo’s solution of showing the transaction location on a map offers the user a solution by helping jog their memory, leading to an “I remember that place!” moment. The interesting part is a “something wrong? Tell us!” link that the user can click on if they don’t remember a transaction from the map or if their card has been stolen.It’s a thumbs up from us for a great mobile banking app design pattern.09. Useful notifications: CreditWise (Capital One)Notifications are tricky territory as users can get frustrated when bombarded with a ton of them. This is especially true when such notifications don’t help them to achieve their daily goals, or are just nice-to-knows that happen too often and start to become a nuisance.However, if used properly in banking app design, notifications can offer the user a personalized experience and help them in their daily lives. It’s also a magnificent way to build trust with the user as they know they’ll always be informed and kept up-to-date about the information that matters to them.Allow your users to select what they want to get notified about. Be it card or bill payment notifications, credit score or loan application updates, if you let the user decide, you’re on to a winner.Capital One does a really good job of this with its CreditWise app. It has a useful notification feature, which shows they listened to what their users wanted. An individual’s credit score can be a major concern at the back of their mind. It can be something that they have an emotional connection to and it’s an important goal in their lives.Therefore, this is a great example of notification that could help keep them constantly in the loop about something that might otherwise keep them awake at night. In addition to this, seeing a notification that they’re one step closer to securing that next loan offers outstanding potential for user (and customer) satisfaction.Another nice touch is that CreditWise only sends this type of notification once a day. Sometimes less is more, at least with mobile banking app design.10. Social banking keyboard: Itaú UnibancoSometimes to make a banking app design really stand out from the crowd, you’ve got to innovate, and that’s exactly what Itaú Unibanco have done with their new keyboard.The Itaú Keyboard is a feature of their mobile banking app that’s designed to be used within WhatsApp or Messenger, via Gboard. It lets users send transfers while texting their friends, family or colleagues and provides a familiar environment for the user to operate in. It lets them request or make a transfer immediately without having to leave their WhatsApp conversations.This design feature allows users to conduct a large portion of their financial activities in the familiar background of their favorite messaging apps.By letting users conduct their financial activities in familiar apps, Itaú is aiming to make the payment and transfer feature of their banking app more intuitive, natural and comfortable for their users.

Internet Banking has assumed great importance in view of the changing need of today’s customer for convenient and easy Banking. Traditionally, Banking involves the customer’s visit to the Branch. Internet Banking is the facility by which the customer can carry out his/her banking operations without visiting branch, through the Internet from the comfort of his home/office/mobile.Internet Banking makes banking possible for the customer without the confines of the two main dimensions, namely time and distance. Internet Banking enables a customer to perform internet banking transactions through his desktop/mobile handset 24 X 7 with no geographical boundaries either. Thus, Internet Banking is a powerful medium through which banking can be done from the comfort of your sofa.Apart from traditional facilities like Fund transfer and checking account balance, there are host of other services as well which makes our customers life easy. We are stating here few important services, which you can avail without visiting your SBI branch and are frequently used by our customers.Services related to Payment/Transfer –· Funds Transfer· Intra-Bank Transfer – Transfer of funds between SBI accounts.· RTGS/NEFT· Credit Card (VISA) - Credit Card (Visa) Bill Pay is a special service that allows customers to transfer money online from your SBI account to any VISA Credit Card issued in India.· IMPS Payments - Immediate Payment Service (IMPS) is an instant interbank electronic fund transfer service through mobile phones. It is also being extended through other channels such as ATM, Internet Banking, etc.Services related to E-deposits· E-TDR/e-STDR - Customers can now open e-TDR/e-STDR through their internet banking.· E-TDR/e-STDR under Income Tax Savings Scheme· SBI Flexi Deposit - Unlike Recurring Deposit account, SBI Flexi Deposit offers flexibility in choosing the deposit amount within the minimum and maximum limits per financial year. The minimum period of deposit is 5 years and maximum is 7 years. All resident individual customers including minors are eligible for this scheme.· E-Annuity Deposit Scheme - Under this scheme, a lump sum amount is deposited by a customer which is repaid to the customer over a period in equated monthly instalment which comprises part of principle amount and interest on the reducing principle amount as well. Using the scheme customer can have fixed monthly amount against his onetime deposit. Payment will start on anniversary date of the month. If date is non-existent (29th, 30th and 31st), it will be paid on 1st day of next month. The Minimum deposit amount for Annuity deposit is based on minimum monthly annuity Rs.1000 for the relevant period. i.e. for 3 yrs. minimum deposit amount will be Rs.36,000. The maximum amount limit through Internet Banking will be the same as applicable for Fund Transfer within own account (See Enquiries - > Transaction limit / Charges).· E- Recurring DepositsApart from other services, we present to you list of financial transactions in brief which we offer through our internet banking services.· Intra-bank Fund Transfer.· Interbank Fund Transfer (NEFT/RTGS).· IMPS Fund Transfer.· International Fund Transfer.· State Bank mCASH - Send money and Create/save/print Gift Voucher.· Power Jyoti Fee Collection (PUL).· Instant Money Transfer (IMT)· NPS contribution.· EPFO subscription.· Western Union Money Transfer (Receive Money).· Credit Card (VISA) Bill Payments.· Donation to Religious and Charitable institutions.· NRI e-Z Trade Funds Transfer.· Online request for Issue of Demand Draft.· Utility Bill Payments (Electricity, Water, Telephone)· Mobile Top Up & DTH Recharge.· SBI Life Insurance Premium payment.· Mutual Fund Purchases.· SBI General Insurance Premium payment.· Premium payments of other insurance companies.· Online creation and closure of e-TDR/e-STDR/e-MOD.· Online creation and closure of e-RD/e-Flexi Deposit.· Online creation and closure of e-Annuity Deposit.· Overdraft against Deposit accounts.· My Holiday Saving account.· OD for Corporate Salary package Account.· Auto Sweep facility.· Online payment of State Govt. taxes.· Online payment of Direct taxes.· Online payment of Indirect taxes.· Setting of SI for periodical transfer of amount to other accounts.· Online request for closure of loan accounts.· Apply online for IPO (Equity).· Apply online for IPO (Debt).· NRE Services (Outward Remittance from NRE/FCNR (B))· Request by NRE customers for Inward Remittance Disposal· State Bank Virtual Card (Generate/Cancel/view virtual card details).· Gift Card (Create/Top Up/View History).· Prepaid Cards (Register/Top up/De-Register/view prepaid card details).· Payment of various fees of Educational Institutions.· Online Ticketing (Booking of Rail/Flight/Bus tickets).· Trade in Shares (eZ-trade@SBI).· SBI FX Trade for trading in Currency futures.· Sweep Creation for CSA.· EMI for e-Commerce.List of Non-Financial Services:-View/Download/Print Account Statement (Deposit, Loan, PPF).View Account summary.Reprint Challan.View Income Tax statement (Form 26AS).Link Aadhaar Number.Link LPG customer ID.Online registration for PMSBY (Pradhan Mantri Suraksha Bima Yojana).Online registration for PMJJBY (Pradhan Mantri Jeevan Jyoti Bima Yojana).Online registration for APY (Atal Pension Yojana).Change of Login Password.View Loyalty Points under State Bank Rewardz.Windows App Registration for State Bank Anywhere.Spend Analyser.e-Statement.PAN Registration.Update Email details.Login to e-Filing.Pending Statement.Add Billers.Delete Billers.Modify Billers.View Bills.View payments historyScheduling of Bills.Find Transactions.Interest Certificate on Deposit accounts.Download Housing Loan Interest Certificate.Download Education Loan Interest Certificate.Download Housing Loan (Prov.) Interest Certificate.Status Enquiry.Scheduled Transactions.Pension Slip.Transaction Limit/Charges.Reprint EPFO Challan.Eligible Loan/Withdrawal Limit on PPF.IMPS Status Enquiry.Set Account Nickname.View/modify personal details.High-Security Options.Change Password.Manage IPO Applicant.IRATA Ref. No. Status.Beneficiary Activation by Branch.Define Limit.Manage Beneficiary- Retail customer can add 3 beneficiaries per day.Aadhaar Number/UIDManage Accounts Display (hide/unhide).Online Submission of Form 15G/H.Enquire submission of form 15G/H status.TDS enquiry.TDS Account Linking.Online Mobile Number Registration/Updation.SMS alert registration/updation.Request for issue of cheque book.Online request for stop cheque payment (single/range of cheques).Revocation of stop cheques instruction.Online upgradation of access level.Online Locker.Apply for opening PPF account.Registration, De-registration of State Bank Freedom.Locker availability search.Update Buddy Wallet KYC.Enquire/Registration/Cancellation of Nomination.Sweep creation for CSA accounts.ATM PIN Generation.Block/Hotlist ATM card.Activation of New ATM card.Apply for New ATM card.Set ATM Transaction limit (Cash withdrawal/CNP).Demat Services (Holding details, transaction statement, billing statement)Generate challans/e-Receipts.Add to Favourites.Online Registration for Retail Internet Banking.Online Resetting of Login Password and Profile Password.Filing of Income tax returns.SBG Group services (Register and view SBI MF and SBI Life details).Lock User Access.Transfer of Savings Account

Hi, here are some key points:Key benefits of mobile bankingBecause of these conveniences, mobile banking apps are super trendy and have been for a handful of years.Mobile banking began catching on in 2007 when the iPhone first came out. These days, usage has passed a tipping point. More than 50 percent of consumers have used mobile banking in the past three months, according to the most recent J.D. Power study.Over the years, the mobile banking experience has come a long way thanks to advancements in data sharing and other behind-the-scenes technologies improving.While mobile banking apps started out as mini versions of your online bank account experience (think: letting you check your account balance on a ledger and seeing if a literal check cashed), they are also now acting more like a financial companion of sorts that send relevant messages.“Ten years ago, [mobile banking] was almost a novelty and it was about the size of the device,” says Anthony Ianniciello, vice president of consumer and mobile banking at Q2. “Today, it’s really about the context: When are you going to pull it out of your pocket? When are you going to use it and what are the things that are the most convenient for you to do in that form factor at that time?”Mobile banking apps can caution you when you spend more than you have in your account, automatically move money into savings on your payday and let you set controls on your cards to restrict spending.Still, the hottest mobile banking features today are pretty basic. In the last year, getting alerts, tapping a button in a bank app to call a customer service representative, making peer-to-peer payments and setting up travel notifications were the fastest-growing features in mobile banking year-over-year, per J.D. Power’s data.1. Good securityBanks are in the business of guarding your assets — including your interactions on their mobile apps.Of course, nothing is foolproof. But there are steps you can take to step up security precautions if you’re worried about mobile banking security.While you may still use a username and password to login to a mobile banking app, your bank may let you enroll in added safety measures. You could, for example, enroll in multi-factor authentication where you need two (or more) kinds of verification to prove that it’s really you. For example, a bank could send a code to your phone for money transfers above a certain amount. In order for the payment to go through, you would need to enter the code in addition to logging in through the app to help verify you are who you say you are.These days, mobile devices — and some bank apps — will let you login by scanning your face or fingerprint as yet another way to protect your digital bank account.That also means if your phone goes missing, you will have an added lock to keep fraudsters out. You can also disable your mobile phone remotely.2. ConvenienceThe ability to access your financial records anytime, anywhere makes mobile banking appealing. You can deposit checks, send someone else money and monitor transaction history while standing in a grocery line. Those actions give you a safety advantage, too: In monitoring your account more often, you’ll have a greater chance to discover fraud more quickly or spot times when you may need to slow down on spending.“There’s less of a likelihood of making a mistake, [like] an overdraft or paying a bill late when we have this information so accessible,” J.D. Power’s McAdam says.In recent months, banks have been going one step further by offering money predictions via their mobile apps’ messaging. For example, U.S. Bank recently overhauled its mobile app to include messaging customers when its algorithms see an opportunity to save money, or alternatively, forecasts when they are at risk of overdrafting an account. These kinds of features are designed to be useful to the millions of Americans living paycheck to paycheck.It’s also easy to send someone money while logged into your mobile banking app. Banks across the country partner with Zelle so that you can send someone money in minutes through your mobile banking app. You will only need to know your recipient’s email address or phone number to send them money. If your bank doesn’t offer Zelle, it will usually let you send a transfer to someone else’s bank account if you know their routing and account number.3. ControlThink of a mobile banking app as a remote control for your money. The app lets you deposit a check and send someone money whenever you wish.The controls are getting more advanced, too.A growing number of banks, like Wells Fargo, Ally Bank and Bank of America, let you use your mobile banking app to turn your debit or credit card off if it goes missing or is stolen. It’s a nice feature to help you feel instantly secure in a moment of panic — calling a 1-800 number is not required if you want to turn your card back on, either.Some banks have already extended the use case of the card control feature. At Wells Fargo, customers are able to see their recurring payments connected to their payment cards in addition to turning their cards on and off under one hub. It’s called Control Tower and it ought to help you when you’re in a life transition, like when you’re moving to a new city and want to make sure you aren’t paying for services you no longer use.“As a customer, you can see where you have cards stored, where you have subscriptions, where you potentially have monthly payments that you aren’t using [that] you can get rid of,” says Stephen Greer, a senior analyst focused on retail banking at Celent.You may also want to enroll in something bank apps have long had: mobile alerts for low balances and when your transactions post.