How a Well-Designed App Can Improve Your Financial Wellness

At N26, we have reimagined banking as an intuitive and beautiful experience that goes far beyond letting you check your balance.

4 min read

You make many decisions every day, from small things (should you cook or get takeout?) to life-changing choices (should you move to a new city?). Many of these decisions are influenced by design, whether we realize it or not.

Design can be a compelling motivator, and when it’s combined with technology, magic can happen. Think about your favorite apps. You’ve probably never even considered their design, because the best mobile app design requires no thought: It’s intuitive. Simple to use. Effortless.

Let’s face it. In the banking world there aren’t many apps that understand this recipe. However, at N26, we are driven by design, starting with our mobile app. We have reimagined banking as an intuitive and beautiful experience that goes far beyond letting you check your balance. With just a few taps, you can understand your spending habits, visualize your savings goals, and get real-time push notifications on all account activity. All elements designed to help you on your way to better financial wellness.

Solve problems & make better decisions

For most banks, simple tasks like signing up for an account or changing your PIN code can be long, or complicated processes. N26 is on a mission to change all that — and one way we’re doing this is through our mobile app’s smart and intuitive design.

“Of course, when people talk about design, they first think about the visual aspects, but design is much more than that,” explains . “It’s a mindset. It’s how you approach difficulties or problems in general, which means that design also includes the understanding of the human, the user.”

“Design is about understanding our users’ needs and motivations and using our craft to help them solve problems. It’s about creating relevant experiences for people when it matters,” adds .

So how exactly does the N26 app solve your problems?

Problem #1: You want to save money for a new phone, a vacation, or a living room couch — but it’s so hard to prioritize.

You’re right: It can be really difficult to save money for the future when you have so many needs right now. That’s why we created , a simple and user-friendly way to organize your financial goals. With just a few taps you can set a savings target, choose a theme (like a bike, or globe), and start moving money instantly.

Problem #2: Your money seems to go so quickly that you can’t keep up, and you don’t even know exactly what you’re spending it on.

You could try to track your spending manually, or you could just let us do it instead. The N26 app automatically categorizes your purchases, creating a straightforward visual breakdown of your spending habits. You can literally see where every dollar is going. When you understand what you spend your money on, it’s much easier to make changes to your monthly budget.

Problem #3: You’re never quite sure when you’ll receive a direct deposit in your account or when a payment will be deducted. You just have to keep checking your account over and over, and it’s such a waste of time.

See your direct deposits, purchases, and withdrawals immediately with N26’s real-time notifications. You’ll receive an instant alert from us on all account activity, so you’ll always know what’s happening with your money.

Problem #4: You’ve had a bad experience with banks in the past, or find the entire idea of money management unappealing — so you avoid it entirely.

Forget the rows of numbers and stuffy, complicated processes, and experience a whole new kind of banking with the . Our app is designed to make banking simple, efficient, and maybe even fun. You’ll love watching your savings stack up for that vacation in Spaces, and you’ll breathe easier knowing that you’re making good decisions for your future.


Your bank app should work for you, and that’s exactly what the N26 app was designed to do. Envision your financial goals, stay on track, and create a better tomorrow for yourself with N26.

New to N26? You can right from your phone, and enjoy banking that is fast, flexible, and secure.

The N26 account is offered by Axos Bank®, Member FDIC. N26 Inc. is a service provider of Axos Bank. All deposit accounts of the same ownership and/or vesting held at Axos Bank are combined and insured under the same FDIC Certificate 35546. All deposit accounts through Axos Bank brands are not separately insured by the FDIC from other deposit accounts held with the same ownership and/or vesting at Axos Bank. The N26 Visa® Debit Card is issued by Axos Bank pursuant to a license by Visa U.S.A. Inc. The N26 Visa Debit Card may be used everywhere Visa debit cards are accepted.

By N26

Mobile banking the world loves

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