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A banking app design template lays out the screens a mobile bank needs before anyone styles them: log in, a home dashboard with balances at a glance, transactions, payments, cards and security. This free one wireframes 15 screens from the Monzo iOS app, from a home screen with personal and joint balances to spending targets, a five-step payment flow, savings pots and card freeze. Edit it online in Whimsical to plan a bank, neobank or fintech app.
A banking app holds the money, so it handles balances, payments, cards and security for one bank's accounts. A budgeting app plans the money, often pulling transactions from several banks and assigning income to categories. The line is blurring: Monzo's trends screen sets targets per category and the home screen shows a balance from another bank.
Monzo, the UK digital bank. Its app is a good study in trust: transactions carry merchant names and categories, payments end with an undo option, and a call status check tells people whether the bank is really on the phone. The 15 wireframes were drawn from screenshots on Mobbin, each kept next to its source with a link to the screen. Whimsical isn't affiliated with Monzo.
Yes, with App Wireframe, the open-source agent skill that built this template. Name another banking app and it pulls the key screens from Mobbin, then rebuilds each one as an editable Whimsical wireframe beside its screenshot. Working on your own bank's app? Give it your own screenshots instead. It runs in an AI agent connected to the Whimsical MCP server, plus the Mobbin MCP server for named apps.
Design a banking app around the tasks people repeat: checking a balance, understanding a transaction and paying someone. Wireframe those first, show the result of a payment before it's sent, and plan the failure cases, like a declined card or a locked account. Then add savings, cards and insights. Sketching the structure as Whimsical wireframes keeps the first review on flow and wording, not colors.
Good banking app UI design keeps the dashboard to a few numbers, labels transactions with real merchant names and makes every payment checkable before it's final. W3C accessibility guidance on financial transactions asks that submissions be reversible, checked or confirmed. Monzo's flow covers two of those: a confirm sheet before Pay and schedule, and an undo link on the sent screen.
Banking apps protect people from scams by adding friction in the right places: biometric log in, extra checks on large transfers and a clear signal about who's really calling. Monzo's call status shows in the app whether a Monzo employee is on the phone, and tells people to hang up if not. This template's security screen puts that check next to Face ID.