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Examples of the Best App Design for Financial Apps
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Examples of the Best App Design for Financial Apps

Did you know that apps account for 70% of digital media in the US? At Almax, we understand that in the competitive world of financial apps, superior app design is not just a luxury—it’s a necessity. Our commitment to creating exceptional user experiences drives us to explore what makes an app design truly outstanding.


This blog post delves into three top-tier financial apps: Apple Wallet, Monarch, and Koho. We’ll break down the key components of great app design, from user-centered interfaces to robust security measures, and show you how these leading apps exemplify the best practices in the industry.


Join us as we uncover the secrets behind the best app designs. Whether you’re a designer looking to elevate your craft or a user seeking the best tools for managing your finances, this article is your gateway to understanding the power of superior app design.


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What Makes up the Best App Design?

The best app design combines various elements to create a user-friendly, aesthetically pleasing, and functional experience. Here are the key components:


User-Centered Design (UCD):

  • Focus on the needs, preferences, and limitations of the end-users at every stage of the design process.
  • Conduct user research, create personas, and gather user feedback to guide design decisions.


Intuitive Navigation:

  • Design a clear and simple navigation structure.
  • Use recognizable icons and consistent placement of navigation elements.
  • Implement a logical information architecture.


Responsive Design:

  • Ensure the app works well on various devices and screen sizes.
  • Utilize flexible grids and layouts that adjust to different resolutions.


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Consistent and Aesthetic UI:

  • Maintain visual consistency in fonts, colors, and design elements throughout the app.
  • Use a visually appealing color scheme and high-quality graphics.
  • Follow platform-specific design guidelines (e.g., Material Design for Android, Human Interface Guidelines for iOS).



  • Make the app usable for people with disabilities.
  • Include features like voice commands, screen readers, and adjustable text sizes.


Performance and Speed:

  • Optimize loading times and ensure smooth transitions and animations.
  • Minimize the use of heavy resources that can slow down the app.


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Clear Feedback and Error Handling:

  • Provide immediate feedback for user actions (e.g., button presses, form submissions).
  • Design helpful and non-intrusive error messages.


Security and Privacy:

  • Protect user data with robust security measures.
  • Clearly communicate privacy policies and obtain necessary permissions transparently.


Minimalism and Focus:

  • Avoid clutter by focusing on essential features.
  • Use whitespace effectively to improve readability and user focus.


Regular Updates and Maintenance:

  • Continuously improve the app based on user feedback and technological advancements.
  • Fix bugs and add new features regularly to keep the app relevant and functional.


Combining these elements helps create an app that meets user expectations and provides a delightful and efficient user experience.

Best Designed Apps

There’s no shortage of well-designed apps on the market, but we’ve picked 3 examples to break down to explain exactly what makes the best app design.


Apple Wallet

Apple is known for its high quality, user-friendly designs, and Apple Wallet is no expectation. Here’s why it stands out as a best-in-class example of app design:


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1. User-Centric Design

  • Ease of Use: Apple Wallet is designed with the user in mind, providing a seamless and intuitive interface. Users can quickly add and access their payment cards, boarding passes, tickets, and more with just a few taps.
  • Accessibility: The app supports VoiceOver, a screen reader for blind and low-vision users, ensuring accessibility for all.


2. Integration and Ecosystem

  • Seamless Integration: Apple Wallet is deeply integrated into the iOS ecosystem. It works flawlessly with other Apple services like Apple Pay, Siri, and the Apple Watch, providing a cohesive user experience.
  • Universal Compatibility: The app supports a wide range of third-party services, from credit card companies to airlines and event organizers, making it a versatile tool for various needs.


3. Security and Privacy

  • Robust Security: Apple Wallet uses advanced security features such as tokenization, biometrics (Face ID/Touch ID), and two-factor authentication to protect user data and transactions.
  • Privacy Focused: Apple’s commitment to privacy ensures that users’ transaction data is not tracked or sold, providing peace of mind.


4. Aesthetic and Functional Design

  • Clean and Minimalistic: The app’s design is clean, minimalistic, and free of clutter, making it easy to navigate and pleasing to the eye.
  • High-Quality Visuals: Apple Wallet uses high-quality images and icons, maintaining a consistent and polished look.


5. Efficiency and Convenience

  • Quick Access: Users can access their cards and passes directly from the lock screen or by double-clicking the side button, making it extremely convenient for on-the-go use.
  • Automatic Updates: The app automatically updates passes and tickets, such as changing gate information for flights, ensuring users have the most current information without needing to manually refresh.


6. Innovation and Features

  • Dynamic Features: Apple Wallet supports dynamic updates and notifications, such as alerting users when a boarding pass is ready or when there’s a change in their event schedule.
  • Broad Functionality: Beyond payment cards, Apple Wallet supports a variety of items like student IDs, hotel keys, and transit cards, showcasing its versatility.


7. Consistent Branding

  • Brand Cohesion: Apple Wallet maintains a consistent look and feel that aligns with Apple’s brand identity, reinforcing trust and familiarity among users.
  • Attention to Detail: Apple’s meticulous attention to detail is evident in the smooth animations, seamless transitions, and overall user experience.


In conclusion, Apple Wallet exemplifies the best in app design through its user-centric approach, seamless integration, robust security, aesthetic appeal, efficiency, innovative features, consistent branding, and continuous improvement. It sets a high standard for digital wallet applications, making it a benchmark in the industry.


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Monarch is a personal finance app that is often praised for its exceptional design. Here’s why Monarch stands out as an example of the best app design:


1. User-Centered Approach

  • Intuitive Interface: Monarch’s interface is designed to be user-friendly and intuitive, making it easy for users to navigate and manage their finances without feeling overwhelmed.
  • Personalization: The app offers personalized financial insights and recommendations, tailoring the experience to individual user needs and preferences.


2. Visual Appeal and Aesthetic Design

  • Clean and Modern Design: Monarch features a clean, modern design with a visually appealing layout. The use of whitespace, clear typography, and cohesive color schemes enhances readability and overall user experience.
  • High-Quality Graphics: The app uses high-quality icons and graphics that are both functional and aesthetically pleasing, contributing to a polished look and feel.


3. Comprehensive Financial Management

  • All-in-One Solution: Monarch allows users to manage all aspects of their finances in one place, including budgeting, tracking expenses, setting financial goals, and monitoring investments. This comprehensive approach makes it a powerful tool for financial management.
  • Detailed Insights: The app provides detailed financial insights and analytics, helping users understand their spending patterns, income sources, and net worth over time.


4. Customization and Flexibility

  • Custom Budgets and Categories: Users can create custom budgets and categories that fit their unique financial situations, providing flexibility and control over their finances.
  • Adjustable Timeframes: Monarch allows users to view their financial data over different timeframes (weekly, monthly, yearly), giving them a more comprehensive understanding of their financial health.


5. Seamless Integration

  • Bank Syncing: Monarch seamlessly integrates with various banks and financial institutions, automatically importing transactions and updating account balances in real-time.
  • Multi-Device Syncing: The app syncs across multiple devices, ensuring that users can access their financial information anytime, anywhere.


6. Security and Privacy

  • Robust Security Measures: Monarch employs industry-standard security measures, including encryption and two-factor authentication, to protect user data.
  • Privacy Focus: The app is designed with a strong focus on user privacy, ensuring that sensitive financial information is handled securely.


7. User Engagement and Support

  • Proactive Notifications: Monarch provides proactive notifications and alerts, such as reminders for bill payments and updates on financial goals, helping users stay on top of their finances.
  • Comprehensive Support: The app offers comprehensive customer support, including in-app help resources, FAQs, and direct customer service, ensuring users can get assistance when needed.


8. Educational Resources

  • Financial Education: Monarch offers educational resources, including articles, tips, and tutorials, to help users improve their financial literacy and make informed decisions.


9. Brand Consistency

  • Consistent Experience: The app maintains a consistent design and user experience that aligns with Monarch’s brand identity, building trust and familiarity among users.


In summary, Monarch exemplifies the best in app design through its user-centered approach, visual appeal, comprehensive financial management tools, customization options, seamless integration, robust security, user engagement, educational resources, and brand consistency. These elements combine to create a powerful, user-friendly financial management app that helps users take control of their finances effectively.


Hands tapping on a phone with a purple screen.


Koho is a banking app that stands out as an example of excellent app design. Here are the reasons why Koho is considered one of the best in terms of app design:


1. User-Centered Design

  • Simplicity and Intuitiveness: Koho’s interface is designed to be simple and intuitive, making it easy for users to navigate and perform banking tasks without any hassle.
  • Onboarding Experience: The onboarding process is smooth and straightforward, helping users set up their accounts quickly and start using the app with minimal effort.


2. Visual Appeal and Aesthetics

  • Clean and Modern Design: The app features a clean, modern design with a balanced use of whitespace, making the interface uncluttered and visually appealing.
  • Consistent Color Scheme: Koho uses its unique coral and blue brand color scheme to highlight important elements, enhancing the overall user experience and reinforcing brand identity.


3. Functional and Informative Dashboard

  • At-a-Glance Information: The dashboard provides users with at-a-glance information about their balance, recent transactions, and spending insights, helping them stay informed about their financial status.
  • Visual Hierarchy: Key information, such as the spendable balance and cash back earned, is prominently displayed, ensuring users can easily access critical data.


4. Seamless Integration and Features

  • Banking and Budgeting: Koho seamlessly integrates banking and budgeting features, allowing users to track their spending, set financial goals, and manage their money all in one place.
  • Real-Time Notifications: Users receive real-time notifications for transactions and other account activities, helping them stay on top of their finances.


5. Customization and Personalization

  • Custom Spending Categories: Users can create custom spending categories and set personalized budgets, providing flexibility to manage finances according to their unique needs.
  • Personalized Insights: The app offers personalized insights based on users’ spending patterns, helping them make informed financial decisions.


6. Security and Privacy

  • Robust Security Measures: Koho employs robust security measures, including encryption, biometric authentication (Face ID/Touch ID), and two-factor authentication, ensuring that user data is protected.
  • Privacy Focus: Koho has a strong commitment to user privacy, ensuring that personal and financial information is handled securely and confidentially.


7. User Engagement and Support

  • Proactive Alerts and Reminders: The app provides proactive alerts and reminders for bill payments and financial goals, helping users manage their finances effectively.
  • Comprehensive Support: Koho offers comprehensive customer support, including in-app chat, FAQs, and detailed help resources, ensuring users can get assistance when needed.


8. Educational and Motivational Features

  • Financial Education: Koho includes educational resources and tips within the app, helping users improve their financial literacy and make better financial decisions.
  • Motivational Messages: The app includes motivational messages and progress updates, encouraging users to stay on track with their financial goals.


9. Consistent and Reliable Performance

  • Smooth Performance: The app is known for its smooth performance, with minimal bugs and quick response times, providing a reliable user experience.
  • High User Ratings: Koho consistently receives high ratings and positive reviews from users, reflecting its effectiveness and user satisfaction.


In summary, Koho exemplifies the best app design through its user-centered approach, visual appeal, comprehensive functionality, customization options, robust security, user engagement, educational features, and consistent performance. These elements combine to create a powerful, user-friendly banking app that helps users manage their finances efficiently and effectively.


Conclusion: Examples of the Best App Design for Financial Apps

In conclusion, the world of financial apps is filled with remarkable examples of outstanding design, but few stand out as clearly as Apple Wallet, Monarch, and Koho. These apps exemplify the best in app design through their user-centered approaches, seamless integration of features, robust security measures, and visually appealing interfaces. They provide users with intuitive, efficient, and enjoyable experiences that meet their financial management needs.


At Almax, we pride ourselves on understanding and implementing these critical design elements to create exceptional digital products. Our expertise in crafting user-friendly, secure, and aesthetically pleasing apps ensures that our clients’ applications not only meet but exceed user expectations.

Ready to elevate your app design to the next level? Contact Almax today and let our experts transform your vision into a powerful, user-friendly financial app that stands out in the competitive market.