kiBank: a consumer bank, designed and built end-to-end

The brief

People open their banking app every day. Most apps make that moment chaotic, sterile or anxiety-inducing. kiBank set out to build a third option: a bank that disappears into the day.

The product had to feel quiet, behave fast, and prove its worth in the first ten seconds of use. Two surfaces, one promise: every screen earns its place by removing one daily friction.

Scale at a glance

4.8MMonthly active usersAcross iOS, Android and web
47Markets liveSEPA, the United Kingdom and selected LATAM corridors
99.99%Platform uptimeTrailing twelve months, including launch quarter
280msMedian time to interactiveP50 on mid-range Android, real user monitoring

kiBank landing hero with the headline Banking, made calm and a dashboard preview underneath. — The marketing site sets expectation in two beats: the brand promise, then proof on the same fold.

The web entry point

The site is built around a single conversion: get the app installed before the visitor changes tab. Every section answers one question that comes up in customer interviews, in the order the questions tend to arrive.

A static Next.js shell streams from Vercel Edge in under 200ms anywhere in Europe. Imagery is served from Cloudflare R2 with on-the-fly AVIF conversion. The whole landing weighs less than one product photo on a typical e-commerce site.

kiBank product features grid: Two cards one calm, Send in two taps, Search any spend, Goals that move with you. — Four jobs the money has to do. Each one mapped to one screen, one decision, one tap.

kiBank mobile showcase with Cards, Savings and Pay screens displayed on three phone mockups. — Same component grammar on web and mobile. Tokens carry the brand, layout adapts to the thumb.

kiBank Savings spotlight section with named goals, round-up rules and a desktop screenshot. — Storytelling on the marketing site uses the exact pixels that ship in the app. No mockup divergence, no asset drift.

The app: every screen earns its place

Six screens carry the entire experience. The discipline shows: every tap is one decision deeper into a flow, never a sideways jump that costs context.

The component library powering it ships as a single package. One hundred and twenty components, two hundred design tokens, one accessibility pass. Light and dark themes share every layout, every spacing rule, every animation curve.

kiBank dashboard on desktop showing total balance, four quick actions, a 30-day spending chart and recent transactions. — Home answers one question: how am I doing this month? Three glances, no scroll required on a thirteen-inch laptop.

kiBank Cards page on desktop with physical and virtual cards, PIN reveal, monthly spending bar and toggles for freeze, contactless and online payments. — Cards consolidates physical and virtual into one workspace. PIN reveal, freeze, monthly spending and online toggles all live one tap away.

kiBank Pay flow on desktop, sending money to a saved contact with amount field, source account selector and optional memo. — Send money in two taps. The contact picker uses recency and frequency to surface the right person without a search.

kiBank Transactions on desktop with net activity, time and category filters, search and a chronological merchant list. — Every transaction is indexed and tagged in real time. Filters, search and CSV export are first-class, not buried under a menu.

kiBank Savings on desktop with total saved, named goals, vault breakdown chart and auto-save rules. — Named vaults, round-ups and weekly auto-saves do the work in the background. The donut shows where savings are actually growing.

kiBank Insights on desktop with 30-day net activity, category donut, six-month income vs spending trend and behavioural insights. — Insights translate raw transactions into a paragraph the user can quote at the dinner table. Behavioural copy, written by the product, not by the analyst.

Mobile is the bank

Eighty-three percent of sessions happen on a phone, in transit, with one hand. The mobile design starts from a thumb arc, not from a wireframe. Tap targets are forty-four pixels minimum, with eight pixels of breathing room on every side.

The same component library renders the same screens. No re-skinning, no separate codepath. Theme switching costs zero round trips and survives a kill-and-relaunch.

kiBank Cards on mobile showing the virtual card, physical card details, PIN reveal and monthly spending progress. — Cards

kiBank Pay on mobile with contact selection, amount entry and source account picker. — Cards

kiBank Savings on mobile in dark mode with goals, total saved and vault breakdown. — Dark

kiBank Savings on mobile in light mode showing the same content adapted to a brighter theme. — Dark

The spine

Next.js16
React19
TypeScript5
Postgres16
Supabase
Redis
Cloudflare R2
Vercel Edge
Node.js22
Sentry

“They took brand, product and infrastructure and built them as a single team, with one roadmap and one quality standard. For us it was like having an internal team, with the execution speed of people who do this for a living.”
VP of Engineering, kiBankInternal review, launch quarter

What changed

+38%Landing to installVersus the previous landing, A/B over twelve weeks
72NPSUp from 41 in the legacy app
4.8App Store ratingAcross iOS and Google Play, 280k+ reviews
+23%Year-over-year savings rateCustomers who use a named goal save 1.7x more

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