The right fintech app design agency is one that has already shipped live banking, payments or investing apps like yours. A fintech app design agency researches, designs and often builds the financial products people trust with their money. We picked 12 agencies using 5 criteria: live fintech products, sub-sector depth, end-to-end capability, AI readiness and global coverage. They span the USA, Brazil, Chile, the UK, Ukraine, Türkiye, Saudi Arabia, South Africa, India, Japan and Australia.

You'll also learn the core services these agencies offer, why compliance and trust set fintech design apart, how AI assistants are changing banking apps in 2026, typical costs ($15,000 to $150,000+), timelines (6 to 16 weeks) and how to choose.

What Is a Fintech App Design Agency?

A fintech app design agency is a design studio that specializes in digital financial products. It designs mobile banking apps, payment apps, digital wallets, investment platforms, insurance apps and crypto exchanges. The work covers UX research, KYC (know your customer) identity flows and design systems, all shaped by regulatory requirements and the need to earn trust on every screen.

How Did We Choose the Fintech App Design Agencies on This List?

We chose the fintech app design agencies on this list by checking each agency's case studies against the live products they point to. The 5 criteria we used to select these agencies are outlined below.

1. Live fintech products: At least one fintech app or website you can download or visit today.
2. Sub-sector depth: Work across banking, payments, investing or digital wallets, not a single one-off project.
3. End-to-end capability: Research, UX/UI, design systems, usability testing, and developer handoff or a full build.
4. AI readiness: AI feature design for financial products or AI-assisted delivery with human review.
5. Global coverage: Agencies from 11 countries across 6 continents, so you can find local market knowledge. We also left out the agencies most other roundups repeat, so you see new options.

What Are the Top Fintech App Design Agencies in 2026?

The top fintech app design agencies in 2026 pair live financial products with deep sub-sector experience. Their work covers neobank and banking super apps, trading platforms, digital wallets, payment providers, investing apps and a kids money app.

A quick comparison of the 12 agencies is shown in the table below.

Agency	Headquarters	Notable live fintech work	Best for
Panze	New Mexico, USA	Vezmo	White-label fintech app design
Big Human	New York, USA	thinkorswim, Gemini	Trading and crypto brands
Cheesecake Labs	Florianópolis, Brazil	MoneyGram Wallet	Wallets and stablecoin products
Soho	Chile	Be Produbanco	Latin American banks
Studio Graphene	London, UK	Mintago	Open banking products
Goodface	Kyiv, Ukraine	Bill_line, PayAtlas	Payment providers
Commencis	Istanbul, Türkiye	İşCep, Maxi	Bank super apps and AI assistants
UXBERT Labs	Riyadh, Saudi Arabia	AlinmaPay	GCC banks and wallets
Byte Orbit	Cape Town, South Africa	Investec Private Banking	Design plus React Native build
Lollypop Design Studio	Bengaluru, India	Paytm Money	Mobile-first investing apps
FOURDIGIT	Tokyo, Japan	Yucho Bankbook App, AEON Wallet	Large Asian banks
UntilNow	Sydney, Australia	Spriggy	Family and kids money apps

The 12 top fintech app design agencies in 2026 are given below.

1. Panze (New Mexico, USA and Khulna, Bangladesh)

Panze is a white-label digital product design agency based in New Mexico, USA, with a design studio in Khulna, Bangladesh. We design mobile apps, SaaS products and websites that agencies and startups ship under their own brand.

Key facts about Panze are outlined below.

• Why they made this list: It's our blog, so we passed the same live-work test. Vezmo, a business payments platform, is live today.
• How they work: As a white label design agency, we work as an extension of your team: Discover, Strategy, then Design & Build.
• What they design: Vezmo's website, web app, admin portal and mobile app in light and dark modes, shown in the Panze portfolio.
• Verdict: Best for fintech startups and agencies that need white-label app design on a fixed budget. Panze reports 250+ projects across 30+ countries.

2. Big Human (New York, USA)

Big Human is a design, branding and technology company with offices in New York, Los Angeles and San Francisco, working since 2010.

Key facts about Big Human are outlined below.

• Why they made this list: From 2010 to 2019, it redesigned TD Ameritrade's thinkorswim trading platform, which now sits under Charles Schwab.
• How they work: Brand and product run together. For the Gemini crypto exchange, it handled naming, brand identity and a modular website redesign.
• What they design: Trading interfaces across desktop, web and mobile with dense data visualization, plus Koalafi user flows and BlockFills' digital asset ecosystem.
• Verdict: Best for trading, investing and crypto brands needing product design and brand identity together. No dedicated AI service is listed.

3. Cheesecake Labs (Florianópolis, Brazil and San Francisco, USA)

Cheesecake Labs is a product design and engineering company with offices in Florianópolis, Brazil, and San Francisco, USA.

Key facts about Cheesecake Labs are outlined below.

• Why they made this list: It took the MoneyGram Wallet, a non-custodial wallet on the Stellar network, from product definition to beta in 3 months.
• How they work: Senior nearshore teams work in US time zones. It also builds Claude-powered AI agents for financial environments and lists Anthropic as a partner.
• What they design: Wallets with USDC balances and cash-in and cash-out flows. The MoneyGram Wallet MVP launched in 2024 across the US, Mexico, Brazil and the Philippines.
• Verdict: Best for US fintechs that want nearshore design and engineering for wallets and stablecoin products.

4. Soho (Chile, Latin America)

Soho is a Latin American technology and design consultancy with a dedicated experience design unit called Soho Studio. It reports 150 professionals, 7 delivery centers and 15 countries.

Key facts about Soho are outlined below.

• Why they made this list: Soho designed Ecuador's Be Produbanco banking app and reports 25% retention among young users and a 12-point NPS (net promoter score) gain.
• How they work: Its "Business first, AI driven" approach includes design documentation AI tools can read, plus design system audits.
• What they design: Banking apps and onboarding. Soho reports Banco Atlántida's App ONE biometric onboarding takes under 5 minutes and cut acquisition cost 40%.
• Verdict: Best for Latin American banks and fintechs that need Spanish-first app design with design system governance.

5. Studio Graphene (London, UK)

Studio Graphene is a digital product studio with studios in London, Geneva, Lisbon and Delhi. It says it has delivered 300+ products.

Key facts about Studio Graphene are outlined below.

• Why they made this list: For Mintago, an employee benefits platform, it handled UX research, onboarding and open banking consent flows, then rebuilt the product.
• How they work: As the Mintago case study shows, one team designs and builds, using React Native for mobile, ReactJS for web and Plaid for open banking.
• What they design: Open banking and payments products, including Payment Loyalty, which runs loyalty programs through smart payment terminals.
• Verdict: Best for UK and EU fintechs that need open banking flows designed and built by one team.

6. Goodface (Kyiv, Ukraine and London, UK)

Goodface is a design agency with a dedicated fintech division and offices in London, Tallinn, New York and Kyiv. It reports 15 international awards.

Key facts about Goodface are outlined below.

• Why they made this list: For payment provider Bill_line (2022 to 2023), it delivered a rebrand, merchant account restructure, single-page registration and payment dashboard.
• How they work: The fintech division combines brand, product UI and website work in one engagement.
• What they design: Payment dashboards and catalogues. Its PayAtlas payment provider catalogue and design system won 3 CSS Design Awards.
• Verdict: Best for payment providers and B2B fintech. Other clients include LaFinteca, Corefy, Magnetiq Bank and FinUp.

7. Commencis (Istanbul, Türkiye)

Commencis is a digital product and technology company with offices in Istanbul, London and Berlin and more than 20 years of experience.

Key facts about Commencis are outlined below.

• Why they made this list: It is a long-term partner on İşbank's İşCep mobile banking app, whose İşCep'le Hayatım experience won a 2024 UX Design Award.
• How they work: For Maxi, İşbank's AI assistant, Commencis designed the interface and integrated it into İşCep for voice or text transfers.
• What they design: New-device banking, including DenizBank's MobilDeniz, the first banking app on Apple Vision Pro in Türkiye.
• Verdict: Best for banks building super apps, AI assistants or new-device experiences. Other clients include Burgan Bank and ForteBank.

8. UXBERT Labs (Riyadh, Saudi Arabia)

UXBERT Labs is a user research, UX/UI design and digital platform agency based in Riyadh, Saudi Arabia, working across KSA, the UAE and the UK.

Key facts about UXBERT Labs are outlined below.

• Why they made this list: It revamped the AlinmaPay digital wallet over about 5 months from August 2024, from UX research to final UI.
• How they work: Research comes first. The AlinmaPay case study lists 25+ competitor analysis reports covering 10+ competitors and 8 moderated usability tests.
• What they design: Wallets with dedicated design systems. AlinmaPay gained a kids account, QR code payments, split transactions and personal financial management.
• Verdict: Best for Saudi and GCC banks and wallets that need a research-led redesign. No quantified results are published.

9. Byte Orbit (Cape Town, South Africa)

Byte Orbit is a product design and software development company with offices in Cape Town, South Africa, and Dubai, UAE.

Key facts about Byte Orbit are outlined below.

• Why they made this list: It designed and built an international transactions feature for the Investec Private Banking mobile app.
• How they work: As the Investec case study shows, projects run from a scoping workshop to UI/UX, user testing and a React Native build.
• What they design: Banking features and spend management, including its own Paystashio product. Its site shows Standard Bank and Nedbank logos.
• Verdict: Best for African and Middle East financial institutions that need design plus a React Native build.

10. Lollypop Design Studio (Bengaluru, India)

Lollypop Design Studio is a UI/UX design agency and a Terralogic company with offices in India, the USA, Dubai and Ho Chi Minh City. It says it has 180+ specialists.

Key facts about Lollypop Design Studio are outlined below.

• Why they made this list: It designed Paytm Money's mutual fund investing app and web app, cutting KYC to 6 steps with verification in about 30 minutes.
• How they work: Research leads, and the Paytm Money case study used 4 user personas. It also offers AI design solutions.
• What they design: Investing and payments apps for clients including Upstox, IME Pay, Kotak Securities and HDFC Bank.
• Verdict: Best for investing and payments apps serving large, mobile-first markets.

11. FOURDIGIT (Tokyo, Japan)

FOURDIGIT is a design and technology company with studios in Tokyo, Bangkok, Kuala Lumpur and Ho Chi Minh City.

Key facts about FOURDIGIT are outlined below.

• Why they made this list: With NTT Data, it shaped Japan Post Bank's Yucho Bankbook App, which it says reached 10 million accounts in 4 years without external media.
• How they work: Research runs at scale. For AEON Financial Service's AEON Wallet, the team ran a 1,300-person survey and design sprints.
• What they design: Mass-market banking, wallet and card apps, including MyJCB. Its Yucho app work won a Good Design Award.
• Verdict: Best for large Asian banks and card issuers with mass-market user bases.

12. UntilNow (Sydney, Australia)

UntilNow is a UX/UI design studio and branding agency based in Sydney, Australia.

Key facts about UntilNow are outlined below.

• Why they made this list: It was Spriggy's principal digital product design studio from 2021 to 2024. Spriggy reports 1M+ Australians and a 4.8-star rating from 31,000+ reviews.
• How they work: The work began with an information architecture overhaul of the Pocket Money app. It also offers AI image libraries and AI automation.
• What they design: Kids and teen money products, including Spriggy Schools, the Spriggy Invest beta and SPRK, plus the Cake Equity rebrand.
• Verdict: Best for consumer and family fintech apps in Australia and APAC.

What Services Do Fintech App Design Agencies Offer?

Fintech app design agencies offer research, design and delivery services that take a financial product from idea to a build-ready design. The 7 core services of a fintech app design agency are given below.

• UX research and discovery: User interviews, journey mapping and competitor audits that show how people manage money today.
• UX/UI design for mobile and web apps: Wireframes and high-fidelity screens for iOS, Android and web, built around real money tasks.
• KYC and onboarding flow design: Identity checks and account setup that meet regulations without losing new users.
• Design systems: A component library with design tokens and usage rules that keeps every screen consistent.
• Prototyping and usability testing: Clickable prototypes tested with real users before your team writes production code.
• Fintech branding: Logo and brand identity design that signals stability and helps a new financial brand earn trust.
• Development handoff or full build: Developer-ready specs and Figma files, or a complete build by the agency's own engineers.

What Makes Fintech App Design Different From Regular App Design?

Fintech app design is different from regular app design because every screen handles money, personal data and legal obligations at once. 5 differences between fintech app design and regular app design are outlined below.

• Trust comes first: Users need trust signals before they act, such as clear fees, confirmation screens and plain-language error messages.
• Compliance shapes the flows: KYC, AML (anti-money laundering), GDPR, PSD2 and PCI DSS rules decide which steps, disclosures and consents appear.
• Security is part of the user experience: Two-factor authentication and biometric login must protect accounts without slowing down everyday tasks like checking a balance.
• Dense financial data needs clear visualization: Balances and portfolios need careful dashboard and data visualization design so users can read trends and act quickly.
• Accessibility is a legal requirement in more markets: The European Accessibility Act now covers banking services, making screen reader support and color contrast mandatory.

How Is AI Changing Fintech App Design in 2026?

AI is changing fintech app design in 2026 by moving banking apps from menus and forms toward assistants that understand requests and act on them. In Accenture Banking Trends 2026, 71% of respondents said they would welcome an AI assistant in their primary bank's mobile app. 5 ways AI is changing fintech app design are given below.

• Conversational and agentic interfaces: Assistants now complete tasks, not just answer questions. Bank of America says Erica passed 3.2 billion interactions by March 2026, and Revolut launched AIR in the UK in April 2026. Designers now map voice and text intents, like İşbank Maxi's transfers.
• Personalized money insights and proactive guidance: Apps now suggest the next step. Nubank says over 15 million monthly active users already use the features behind its AI Private Banker, while RBC's NOMI Find & Save moves spare cash into savings automatically.
• Guardrails, explainability and human oversight: Accenture advises embedding assistants into existing journeys with clear guardrails, controls and explainability. Designers must show why the AI suggested something, confirm before money moves and offer a clear path to a human.
• Faster AI-assisted design workflows: In Figma's 2026 AI report, 41% of respondents said AI meaningfully changes how teams work together, up from 7% two years earlier. Designers taking part in development rose from 21% to 41%, blurring roles.
• Brand discovery inside AI assistants: Accenture also found 65% of respondents are open to a GPT-like financial assistant offered through a gen AI platform or digital wallet. Products must stay usable when customers reach them through another company's assistant. Commencis, Cheesecake Labs, Studio Graphene and Soho already design AI features for financial products. At Panze, AI-assisted design and development speeds up delivery, while senior designers review everything before it ships.

How Much Does It Cost to Hire a Fintech App Design Agency?

Hiring a fintech app design agency typically costs $20,000 to $150,000+, depending on scope, complexity and the agency's fintech expertise. An MVP design sprint usually runs $15,000 to $25,000, full product design $40,000 to $80,000, and larger scope $80,000+. Hourly rates range from about $25 to $150.

Five factors move the price most: research depth, compliance requirements, the number of user flows, design system creation and ongoing collaboration. Our app design cost breakdown explains how each one affects your budget.

At Panze, fixed-price plans start at $500, and agencies can choose a monthly retainer. You can compare current options on Panze's pricing plans page.

Typical fintech app design costs by project scope are shown below.

Project scope	Typical cost	Typical timeline
MVP design sprint	$15,000 to $25,000	4 to 8 weeks
Full product design	$40,000 to $80,000	8 to 16 weeks
Larger or multi-product scope	$80,000+	3 to 6+ months
Early-stage startup budget	$10,000 to $50,000	4 to 8 weeks

How Long Does a Fintech App Design Project Take?

A fintech app design project typically takes 6 to 16 weeks from brief to handoff. Discovery takes 2 to 3 weeks, wireframing 2 to 4 weeks, UI design 3 to 6 weeks and developer handoff 1 to 3 weeks.

Regulatory review often adds 2 to 4 weeks, because compliance teams must approve onboarding, disclosures and consent screens. An MVP timeline sits at the shorter end, while enterprise platforms can take 3 to 6+ months.

How to Choose the Right Fintech App Design Agency?

To choose the right fintech app design agency, judge each candidate on proof that matches your product. The process mirrors how you'd choose a mobile app design agency, with more weight on compliance. 6 steps to choose the right fintech app design agency are given below.

1. Match the agency to your fintech sub-sector: Wallets and trading platforms solve different problems, so shortlist agencies with live work in your area.
2. Download and use their live apps, not just the Dribbble shots: Complete a real task and see how onboarding, payments and error states behave.
3. Check compliance fluency (KYC, AML, PSD2, PCI DSS): Ask how they designed past verification and consent flows. Vague answers are a red flag.
4. Ask how they use AI and where humans keep control: Good partners explain which steps AI speeds up and where senior designers review and approve.
5. Confirm team, time zone overlap and communication rhythm: Find out who works on your project daily, how many hours overlap and how often you review.
6. Compare pricing models and who owns the design files: Check whether pricing is fixed, hourly or retainer, and confirm you own the Figma files.

What Should You Know Before Hiring a Fintech App Design Agency?

Before you hire, know when you need a fintech specialist, whether the same agency can build the app, and what you should receive at handoff.

Do Fintech Startups Need a Specialized Fintech Design Agency?

Yes, most fintech startups benefit from a specialized fintech design agency because KYC, regulatory flows and trust patterns are hard to learn on a deadline. That domain knowledge speeds up an investor-ready MVP. A general product design agency can still work for a simple MVP or with a strong in-house compliance lead.

Can a Fintech App Design Agency Also Build the App?

Yes, many fintech app design agencies can also build the app because they run design and development in a single team. On this list, Cheesecake Labs, Studio Graphene, Byte Orbit and Commencis design and build. Others focus on design and deliver a clean developer handoff.

What Should a Fintech App Design Agency Deliver at Handoff?

A complete handoff lets your developers build without guessing. The deliverables to expect at handoff are given below.

• Research findings and user personas from discovery
• User flows and wireframes for every key journey
• High-fidelity UI screens in organized Figma files
• Clickable prototype covering the main user tasks
• Design system and component library with design tokens
• Usability test report and detailed developer specs

What Are the Pros and Cons of Hiring a Fintech App Design Agency?

A fintech app design agency brings speed and specialist knowledge, with cost and coordination trade-offs. The pros and cons of hiring a fintech app design agency are given in the table below.

Pros	Cons
Fintech expertise in KYC, regulatory flows and trust	Higher upfront cost, often $20,000 to $150,000+
Faster launch with a senior team and no hiring cycle	Less product context about your users, data and rules
Research, design systems and testing built into the process	Knowledge transfer risk if files aren't handed over
Cross-market patterns from many clients and regions	Compliance and stakeholder reviews can slow work

How Does a Fintech App Design Agency Compare With Other Options?

A fintech app design agency is one of four ways to design your product. The alternatives are a development company, an in-house team and a freelance designer.

What Is the Difference Between a Fintech App Design Agency and a Fintech App Development Company?

A fintech app design agency is design-led, focusing on UX research, interface design and usability testing. A fintech app development company is engineering-led, focusing on backend systems, APIs, security architecture and code. Some firms do both, but most lead with one strength.

What Is the Difference Between a Fintech Design Agency and an In-House Design Team?

A fintech design agency starts quickly and brings cross-industry experience, while an in-house team needs months of hiring time plus salaries and benefits. In-house designers build deeper product context and long-term ownership. Many companies use both.

What Is the Difference Between a Fintech Design Agency and a Freelance Designer?

A fintech design agency offers team depth, with researchers, UX and UI designers and testers, plus built-in quality control. A freelance designer usually costs less but works alone, which limits research and testing and adds availability risk.

Frequently Asked Questions

How Do Fintech App Design Agencies Handle Compliance and Regulations?

Fintech app design agencies handle compliance by designing around the rules that shape each flow, including KYC, AML, GDPR, PSD2, PCI DSS and SOC 2. They design consent screens, disclosures and verification steps with your legal and compliance team, then run a compliance review before handoff.

Can AI Replace a Fintech App Design Agency?

No, AI cannot replace a fintech app design agency because compliance decisions, trust and product strategy still need human judgment. AI speeds up iteration, but 90% of respondents in Figma's 2026 AI report say design is at least as important as before AI. Our AI vs human designer comparison covers the trade-offs.

What Questions Should You Ask a Fintech App Design Agency Before Signing?

The right questions show whether an agency's experience fits your product. 5 questions to ask before signing are given below.

1. Which live fintech apps have you designed, and can we download them?
2. How do you handle KYC flows and compliance reviews with our team?
3. How do you use AI in your process, and who reviews it?
4. Who will work on our project day to day?
5. Who owns the design files and design system after launch?

Is Accessibility Required in Fintech App Design?

Yes, accessibility is required in fintech app design because more laws now cover financial services. The European Accessibility Act covers banking services and e-commerce and has applied since June 28, 2025. Screen reader support, strong color contrast and inclusive design are now baseline requirements.

Final Thoughts

The best fintech app design agency for you is the one whose live fintech work matches your product and market, whether that's a wallet, a trading platform or a bank super app. Use their apps, test their compliance fluency and confirm who owns the files. If you plan AI features, choose a partner that designs them with clear guardrails and human oversight.

If you need senior designers for your next fintech product, explore our mobile app design services and talk to the Panze team.