Banking App Design: Top 10 Best Practices in 2025

Did you know that in 2025, the digital banking landscape will be more dynamic than ever because of the rapid growth of mobile banking users worldwide?

With the intensifying competition among traditional banks and top fintech disruptors, customers look for more from their banking apps besides the basic functionality. Apart from that, customers also prioritize using a simple, intuitive interface, fast performance, and real-time alerts and notifications.

According to the latest study, global mobile banking users will likely increase by 3.8 billion by the end of this new year, highlighting a significant boost from previous years.

Here, a well-crafted banking app design can help to address multiple major pain points. These include providing a personalized experience through AI integration in banking apps, improving security by leveraging advanced features such as multi-factor authentication and biometric login, and offering a seamless cross-platform experience.

These figures (mentioned above) are proof of the rising demand for user-centered banking app design in 2025 to improve customer satisfaction and attain business success.

Businesses that are looking to invest in a well-designed banking app will not just meet customer expectations but also grab an opportunity to ultimate success. By incorporating mobile-first features, they can drive new customers, increase loyalty, and boost engagement.

This blog presents the top 10 best practices that you can opt for in banking app design 2025, assisting financial institutions with user-friendly, innovative, and secure apps that confront these emerging challenges and trends.

Let’s sail in!

Why Banking App Design Matters in 2025?

The banking app design in 2005 is not just aesthetics, but more than that. Actually, it is a crucial element that defines the future of digital banking and mobile banking.

The digital revolution in the financial services sector aims to change how users perform business transactions and revise the complete user experience (UX). A well-designed banking app can bring about a drastic change for businesses and customers.

Let's check out why banking app design matters in 2025.

1. Increased Consumer Expectations

The rising mobile-first financial services and new banks have escalated customer expectations for intuitive, seamless, and efficient experiences. Now, users demand mobile apps that are easy to navigate, fast, and provide access to personalized financial management tools. A well-optimized app is crucial for increasing customer satisfaction and loyalty.

2. Mobile-First Approach

In 2025, adopting a mobile-first banking app design is not a choice. More consumers depend on smartphones to manage their finances, and this makes it important for apps to be crafted specifically for mobile devices. Following a mobile-first approach, banking apps can be optimized for accessibility, convenience, and fast performance, assisting businesses in standing out in a competitive market.

By 2027, the global mobile payment market is anticipated to hit $12.06 trillion at a CAGR of around 30.1% from 2020 to 2027, up from $1.48 trillion as recorded in 2019.

3. Enhanced Security Features

With the growing frequency of cyberattacks, security remains a top priority for developers and users. Banking apps should include robust biometric login, end-to-end encryption, and multi-factor authentication (MFA). Aiming for a secure banking app design, creative designers should seamlessly integrate security measures into their design to foster trust and ensure compliance with applicable regulatory standards like GDPR or PSD2.

4. Financial Inclusion

The financial app design 2025 can help drive financial inclusion seamlessly. These banking apps can empower unbanked and underbanked populations, especially in the transforming markets, by providing features like easy-to-understand financial tools and multilingual support. This way, financial services can be more accessible to a wide range of users, boosting mobile banking benefits ahead of those of the traditionally underserved. The digital banking platforms should be accessible to individuals with disabilities. Hence, designers aim at accessibility in fintech apps to benefit specially-abled users and grab substantial market opportunities.

5. Competitive Advantage

The competition for digital banking and fintech apps is intense, with traditional institutions and neo-banks hustling to innovate. A unique banking app UI/UX design, including the latest technologies, such as AI-powered financial tools, can make the banks stand out. Providing an efficient, seamless app with the power of advanced features helps businesses attract and retain more customers.

Banking app design in 2025 will focus on convenience, personalization, and security to fulfill the dynamic needs of businesses and customers. A well-designed app is mandatory to stay ahead of the curve in the fast-paced digital banking industry and provide users with a user-friendly and future-ready commerce experience.

Also Read: How To Create a Mobile App Mockup: Elements and Steps

Top 10 Best Practices for Banking App Design in 2025

How to design a banking app? Let’s check this out!

As time goes by, the mobile banking app design in 2025 will keep refining to meet the emerging expectations of users and the growing demands of the digital banking industry. Banking apps should prioritize user-centric design practices to maintain an edge.

Below are the banking app design best practices 2025:

1. Simplify Navigation and Information Architecture

In 2025, considering banking app navigation, designers will focus on keeping it simple. They opt for minimalist UI for banking apps as users expect swift access to key features like recent transactions, account balances, and bill payments.

A well-organized information architecture will help users smoothly find what they want without any delay or confusion. Clear, concise menus with an intuitive layout will not only enhance usability but also diminish cognitive overload. By prioritizing user flow, designers can make navigation seamless, which can lead to quick money transfer or account checking.

Key Points:

• Organize the app logically and intuitively
• Reduce the number of clicks to reach essential features
• Use consistent labels and icons for quick recognition

2. Prioritize Data Security Through Visual Design

While providing banking app design services, designers should prioritize security that needs to be conveyed via the design. In 2025, security will be about authentication and encryption mechanisms with visual design cues. Besides, they should integrate trust signals in the user interface, like two-factor authentication (2FA), visible secure connections (SSL), and biometric login options.

Also, clear indicators that show the app is secure assist users feel confident while handling their finances digitally. Designers should also focus on building trust through design to ensure that users undoubtedly make digital transactions or access sensitive details.

Key Points:

• Incorporate security indicators, such as padlocks or green secure connection bars
• Use secure login screens (with fingerprint, 2FA, or face recognition)
• Constantly remind users that their data is safe and well-protected

3. Design for Biometric Authentication

With the rapidly running digital world of 2025, biometric authentication is anticipated to become an essential feature for banking apps. Facial recognition, voice recognition, and fingerprint scans will take the place of traditional passwords, providing users with improved security and convenience.

Permitting users to securely access their banking details with only a face scan or fingerprint mitigates friction and improves the complete experience. Biometrics is one of the best practices for banking apps that will become a core in 2025 for providing seamless access and protecting user data.

Key Points:

• Ensure compatibility with facial recognition and fingerprint technology
• Continually enhance accuracy for improved security
• Offer backup login alternatives in case biometric authentication fails

4. Use Responsive Design for All Devices

As more devices like tablets, desktops, and smartphones are in use, responsive design will be crucial in 2025 for improving user experience in banking apps. Businesses should ensure that their banking app must deliver a high-quality, consistent user experience across various screen sizes and devices.

Whether a user is accessing the app on their phone or a tablet while on the go, the mobile banking application design should easily adapt to their device. By considering responsive design, you can ensure that users can conduct transactions hassle-free, regardless of their preferred device.

Key Points:

• Prioritize smooth transitions and quick loading times
• Craft fluid, adaptable layouts that easily adjust to diverse screen sizes
• Test on a wide variety of devices to ensure usability and compatibility

5. Provide Customizable Dashboards

In 2025, users are looking for increased control over their banking apps' appearance and functionality. Customizable dashboards can help users prioritize the most significant information, like account balances, upcoming bills, or recent transactions.

Customization boosts user satisfaction by providing a tailored experience aligning with their individual requirements. By providing a wide range of layouts, widgets, and themes, you can allow users to make the banking app perform per their expectations.

Key Points:

• Offer them alternatives for further personalization (like dark mode)
• Let users choose features and widgets they want on their dashboard
• Allow users to control what alerts and notifications they receive

6. Prioritize Accessibility in UI/UX

An inclusive banking app ensures that every user can seamlessly access financial services, regardless of their ability. While considering accessibility in fintech apps, designers need to consider it in UI (user interface) and UX (user experience) design to meet diverse needs. Features like adjustable font sizes, text-to-speech, and high contrast modes enhance the specially-abled user experience. Accessible design is also useful in challenging environments, like low-light settings or bright sunlight, where legibility is important.

Key Points:

• Add voice-activated banking features, navigation, and screen reader support
• Ensure text color contrast and size are adjustable
• Test accessibility features frequently for continuous improvement

7. Keep Visual Hierarchy Clear

With a clear visual hierarchy, you can guide users through their jobs efficiently. You should prioritize core elements like transfer options, account balances, and notifications by making them more prominent, larger, and easier to find.

Clutch relevant items together and choose color contrast that can differentiate sections. A robust visual hierarchy mitigates confusion and ensures users can aim at the most crucial information.

Key Points:

• Use color, size, and position to emphasize critical elements
• Avoid clutter to showcase a clean and clear layout
• Group the related features to improve clarity

8. Focus on Micro-Interactions

You may find micro-interactions small, but they have influential interactions within the app that lead to a more satisfying and engaging experience. In banking apps, these may incorporate a subtle animation on every successful transaction by a user or may slightly bounce a button when clicked.

Micro-interactions make the app appear more responsive and interactive, boosting user satisfaction. Besides, they can guide users through complicated processes, like multi-step transfers or loan applications.

Key Points:

• Keep micro-interactions short to avoid distraction
• Use sound effects or animations to confirm actions (like payment successful)
• Offer instant feedback on form submissions, button clicks, or other actions

9. Offer a Seamless Dark Mode

A visually appealing feature, dark mode helps reduce eye strain, specifically in low-light environments. In banking app design 2025, providing a smooth dark mode option will be crucial. You should facilitate users to toggle between light and dark themes without disturbing the app's functionality. This feature is also helpful in conserving battery life on OLED screens, which makes it a win-win for both device performance and user experience.

Key Points:

• Let users switch between light and dark modes
• Provide content readability in both modes
• Offer automatic switching depending on user preference or time of day

10. Design for Real-Time Updates and Notifications

Users look for instant notifications and updates on every account activity, transaction status, and bill payment. Real-time notifications offer users crucial information at the moment that can avoid unauthorized account activity or missed payments. SMS, push notifications, and in-app alerts should be clear, concise, and actionable.

Key Points:

• Send real-time alerts for payments, account activity, or suspicious transactions
• Keep notifications focusing on the user’s activity
• Facilitate users to customize notification preferences

With the constant evolution of the digital banking landscape in 2025, adopting these top 10 best practices for banking app design will help you create a secure, intuitive, and user-friendly experience.

By ensuring security, simplifying navigation, offering personalization options, and integrating biometric authentication in banking apps, banks can boost user engagement, increase satisfaction, and stand out in the competitive fintech market.

Now you know banking app design best practices that you can consider on your way to mobile app development for banks.

But every cloud has a silver lining. Even if you are well-versed in mobile banking UX trends 2025, you should be ready to deal with challenges in banking app design.

Let's talk about them in the next section.

Also Read: Human Design vs. AI-powered Design: Which Is Best for the Future?

Challenges in Banking App Design and How to Overcome Them

With the constantly surging demand for user-friendly banking apps in 2025, numerous challenges will block your delivery of a unique and perfect app.

Banking apps should balance security, user experience, and functionality while seamlessly adapting to dynamic technologies and applicable regulatory modifications.

Below are some key challenges in banking app design you can confront with given possible solutions.

1. Ensuring robust security while maintaining user-friendly design

Challenge: Whatever type of banking app you build, keep security as the priority. Yes, you are going right when you say secure login methods, multi-factor authentication, and robust encryption are crucial for protecting user data.

But did you know these security measures provide an unmanageable and complex user experience? Maintaining the right balance between intuitive, user-friendly design can be challenging.

Solution: You should seamlessly integrate security measures into the user interface to confront this challenge. Features like secure login options, such as two-factor authentication (2FA) and biometric authentication (facial recognition or fingerprint), can improve security without hindering usability.

Additionally, leveraging the power of visual cues can reassure users regarding the security of their transactions without overstuffing them with technical details. Include these security features while you maintain a clean and simple UI design to make a balance between ease of use and security.

2. Balancing complex functionalities with intuitive navigation

Challenge: Banking apps are required to manage numerous complex functionalities, from money transfers and bill payments to loan management and investment tracking. Typically, users seek simple, seamless navigation in banking apps to complete these tasks easily and quickly.

However, the complexity of functionalities can make it tough to maintain a simple and clean interface without overloading the user.

Solution: The only way to address this challenge is to categorize functionalities and create task-based workflows. You can also group relevant functions under easy-to-navigate and clean menus to let users focus on the job without getting overwhelmed.

Let’s take an example to understand this. You can create dedicated tabs for investments, loans, transactions, and accounts to help users find what they want with minimal effort. Also, by considering progressive disclosure where advanced features are concealed under in-depth menus, keep the app clean while offering access to complex functionalities when required.

3. Adapting to rapidly evolving technology and regulatory compliance

Challenge: The technology behind banking apps is quickly unwinding with innovations like AI, advanced encryption methods, and blockchain that are constantly revolutionizing the digital banking landscape.

Besides, regulatory compliance is crucial, as banks should adhere to ever-evolving national and international regulations relevant to data privacy, consumer protection, and security.

Solution: Banks should invest in continuous monitoring of regulatory modifications and agile development practices to match the steps of advanced technology and compliance needs.

Apart from that, seamlessly implementing a flexible app architecture will allow you to update and improve as the new technologies are out in the market. Regular compliance checks and audits will help your app meet legal standards like the PSD2 (Payment Services Directive) for European payments or the EU's General Data Protection Regulation (GDPR).

4. Designing for diverse user demographics and accessibility needs

Challenge: As you know, banking app users come from varied demographics, including income levels, age groups, and physical abilities.

Banking app design that meets every user’s needs, especially those with accessibility requirements, can be a critical challenge.

Solution: To confront this challenge, banks should ensure following universal design principles that corporate essential banking app features in 2025, like text resizing, voice commands, screen reader, and high contrast modes to support specially-abled users.

Also, the app should be customized for users from different demographics, with age-appropriate content and design. For example, aged users may benefit from simplified navigation and larger text sizes, while the younger ones may prefer gamified and more interactive app designs.

5. Maintaining consistent performance across various devices and platforms

Challenge: Banking apps are usually used across various devices, from smartphones to desktops to tablets. Ensuring consistent performance across every platform can be difficult, specifically with the different screen sizes and operating systems used today.

Performance issues like glitches, resolution problems, or slow loading times can adversely affect the user experience.

Solution: You should admit the fact that the solution to this challenge relies on extensive cross-platform testing and responsive design. A well-designed responsive banking app adapts to different devices and screen sizes, offering a seamless experience whether users are on an Android phone, iPhone, desktop, or tablet.

Frequent testing on various operating systems (Windows, Android, iOS) and devices ensures that your app performs optimally. You can also choose to optimize your app's code for efficiency and performance to reduce issues such as slow response times and lag.

6. Handling real-time data updates without compromising app responsiveness

Challenge: Real-time updates like balance changes, transaction notifications, or market price updates are significant for users of banking apps. However, delivering these updates in real-time without affecting app performance or responsiveness can be challenging.

Solution: Banks should use asynchronous data processing and cloud computing to manage real-time updates easily. Harnessing the power of these technologies, the app can send and receive data in the background with no impact on the user interface.

Let's take an example to understand this. Push notifications can let the users know about crucial events without reloading the app. Besides, progressive web app technology arrives with offline functionality that allows users to access their data even if the network connection is poor without any interruption.

Banking app design 2025 comes with critical challenges, from balancing security to ensuring cross-platform consistency and regulatory compliance. By confronting such challenges and opting for possible solutions (as mentioned), such as agile development, inclusive design practices, and responsive design, banks can emerge with apps that cater to diverse customer needs.

Case Studies of Successful Banking App Designs in 2025

In 2025, the future of banking apps in the competitive digital banking landscape will be molded by innovative design, top banking app features, and top functionality.

Leading fintech companies and banks are already harnessing the caliber of customizable interfaces, user-centric features, and mobile-first strategies to deliver exceptional experiences.

From improving accessibility to seamlessly integrating real-time updates, banking apps exhibit how well-executed design directly influences customer satisfaction and loyalty.

Let's explore case studies of successful banking app designs of Chime, Revolut, and N26 that demonstrate the best practices in modern banking app trends and design.

1. Chime: Made Banking Effortless for the Mobile-First Generation

Chime, a fintech company, rules digital banking by simplifying navigation and creating intuitive design. 

Key features:

• Early access to direct deposits
• Instant transaction updates
• No hidden fees
• Effortless navigation

Best practices followed:

• The visual hierarchy includes transactions, saving goals, and balance
• Biometric authentication for security and maintaining user convenience

Factor that differentiates it from others:

• Chime prioritizes inclusivity using tools such as SpotMe”, which avoids overdraft fees and drives users looking for financial stability.

2. Revolut: Redefining the Standard for Customization and Accessibility

Revolut has settled the bar for mobile-first banking, presenting its sleek and user-friendly interface with the target of customization.

Key features:

• Customizable dashboards that help users manage subscriptions, set saving goals, and track spending.

Best practices followed:

• Micro-interactions with instant notifications for all the transactions
• Prioritize accessibility supporting a dark mode feature and multiple languages

Factor that differentiates it from others:

• It seamlessly integrates currency exchange abilities and budgeting tools to provide convenience to the user base worldwide.

3. N26: Advancing Neo-Bank Experiences

As a next-gen neo-bank, N26 Aims at cross-platform responsiveness and real-time updates, ensuring consistency across every device.

Key features:

• Insights into user spending habits with detailed analytics
• Effortless international transactions

Best practices followed:

• Blends responsive design with data security features, incorporating 2-factor authentication and encryption
• Micro-interactions
• Intuitive animations

Factor that differentiates it from others:

• It mixes minimalist design with robust functionalities to maintain a proportion that attracts modern users.

These case studies showcase how competent banking app designs can find a way to thrive by prioritizing security, functionality, and user experience (UX).

Chime, Revolut, and N26 are the prime examples of incorporating banking app design best practices 2025, like real-time updates, biometric authentication, and simplified navigation that can provide unique value to customers.

You can also create exceptional mobile app design for banking that can set you apart by partnering with a leading banking app design company, PixelBrainy. Why? In the next section, we will uncover every factor that will help you make the best decision when choosing an app designing company.

Also Read: How To Create A Mobile App Prototype: A Step-by-Step Process

Why Choose PixelBrainy for Banking App Design?

PixelBrainy, a reliable partner for innovative bank app design in 2025, offers tailored solutions prioritizing security and user experience.

What sets PixelBrainy apart for which financial institutions and businesses must choose it for their banking app requirements?

Key highlights of PixelBrainy that you should consider while looking to hire UI/UX designer for your banking app design:

• Top-notch Security: PixelBrainy seamlessly integrates advanced encryption, multi-factor authentication, and biometric authentication to ensure robust security with no compromise on ease of use. The company’s fintech app design guidelines help clients enjoy a safe, seamless banking experience every time.
• Responsive and Cross-Platform Banking App Designs: Whether it is a tablet, desktop, or smartphone, PixelBrainy and choose that your banking app delivers a consistent experience across every device. The creative designers know that users expect accessibility and flexibility, so they perform exceptionally well.
• User-Centered UX/UI Design: The team of designers at PixelBrainy prioritizes user experience, creating visually aesthetic intuitive interfaces that improve navigation. The apps they design are easy to use, ensuring that every user, whether tech-savvy or not, can easily navigate.
• Real-Time Updates and Customizable Dashboards: PixelBrainy, with its dynamic dashboards and real-time updates, helps users handle their finances effectively, offering instant access to crucial transactions and data.
• Tailored to Your Brand: The company doesn't design banking apps but also creates custom solutions that align with your brand's values and engage customers deeply.
• Regulatory Compliance and Future-Proof Technology: By adhering to ever-evolving fintech regulations, the company ensures that clients' banking apps comply with relevant industry standards while adopting advanced technologies that come out with market demands.

By choosing PixelBrainy as a top mobile app design company you can feel confident investing in a banking app that can deliver a functional, user-friendly, and secure mobile banking experience that will help you stay ahead of the curve in the competitive market.

Quick Fintech App Design Tips:

• Simplify financial jargon
• Use adaptive color schemes
• Offer data visualization tools
• Show multi-layered biometric options
• Integrate predictive financial analytics
• Include voice-enabled commands
• Enable cross-platform financial syncing
• Design a “zero-click” navigation system
• Implement a gamified onboarding process
• Support peer-to-peer financial advice forums
• Embed personalized ethical investment suggestions
• Build a low-bandwidth mode for slow internet connections
• Offer personalized financial coaching through AI-driven assistants
• Design an augmented reality (AR) feature for quick data visualization of savings plans
• Create an emergency mode for instant account lockdown and fraud alerts

Conclusion

In 2025, a well-crafted banking app will be not only a convenience but also a necessity to stand out in the digital banking landscape. With the surging mobile-first financial services and elevating user expectations for secure, intuitive, and seamless banking app design, financial institutions should prioritize robust security measures and user-centered design.

So, how to design a user-friendly banking app?

Implementing the best practices for banking apps, like real-time data updates, biometric authentication, and responsive design, will ensure that your banking app fulfills the dynamic needs of customers and stays in the limelight.

Aiming at customizable dashboards, accessibility, and user experience (UX), financial institutions can provide tailored user experience through personalized banking app features that build customer loyalty and satisfaction. With the increasing adoption of mobile banking, investing in an app that is easy to navigate and secure is important, ensuring users have a smooth experience across all devices.

As we step ahead, opting for these banking app design best practices will help you stand out and offer a future-proof platform that provides value to your business and customers. So, make the smart choice and invest today in top-tier design 2025 to lead the way this year.

Frequently Asked Questions

What are the top trends in banking app design for 2025?

Key trends in banking app design for 2025 include biometric medication, real-time data updates, improved security measures, responsive design, and user-centered design to enhance app functionality and user experience.

How do I ensure my banking app is secure?

Implement features like encryption, multi-factor authentication, and biometric security for banking apps, such as facial recognition or fingerprinting, and ensure adherence to applicable industry security standards.

What role does AI play in banking app design?

AI in banking app design improves personalized user experience, enhances fraud detection and predictive analytics for better decision-making, and automates customer service through chatbots.

Why is accessibility important in banking apps?

Accessibility ensures that every user, including those with disabilities, can use and navigate the app efficiently, enabling financial inclusion and meeting regulatory compliance standards.

How much does it cost to design a banking app?

Banking app design cost in 2025 depends on complexity, customization, and features, but on average, it ranges from $10,000 to $30,000 for a feature-rich banking app.