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Design Examples
Fintech Onboarding Examples: Bank Sign-Ups
See how Copilot, Monzo, Zettle and Billy reduce sign-up friction, featuring demo modes, sample data, timed feature prompts and £1 test payments.
Real world examples:
Updated: 28/08/2026, view all 1,462 examples
Examples on Built for Mars include
Copilot demos the app before you link banks
Zettle onboards with a refundable £1 payment
Monzo triggers prompts when salary lands
If you’re hesitant to link your bank accounts during onboarding, Copilot gives you the option to enter a demo mode with fully-populated data to get a feel of the app before committing.
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i.e., this lets you experience some of the benefits, without the risk.
After setting up “Tap to Pay”, Zettle offers to demonstrate taking a refundable £1 payment as a form of onboarding.
Go to UX BiteView#1100
To boost commitment during onboarding, you're shown a contract in your own name, in first person, and you commit to it by mimicking a thumb impression as your signature.
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This is a form of FITD effect, because it's hoping that a small commitment (literally, your thumb), makes it more likely that you'll give the app a good go.
During onboarding, Billy encourages you to scan a receipt to try their features. But if you don’t have one, they'll use a sample receipt as a demo.
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This is a great way to demonstrate a realistic Aha! Moment, without forcing the user to upload a receipt.
Go to UX BiteView#1232
During onboarding, Wispr Flow asks you what you’re going to use it for, and then demonstrates the app in action in the exact context you specified.
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Even better, if you choose more than one context, it’ll follow with a quick cycle through all the scenarios/apps.
Go to UX BiteView#1267
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FAQs
How do you show value before someone links a bank account?
Dummy data does the work. Copilot offers a demo mode with fully-populated balances and budgets, so people can judge the app before connecting anything, and Billy scans a sample receipt if you haven't got one to hand. The Aha! moment no longer depends on the user handing over real data first.
When is the right moment to promote a feature?
Detected behaviour beats a fixed onboarding step. Monzo shows an inline "sort salary" prompt when it predicts an incoming transaction is your salary, and promotes connected accounts straight after you move money in via Open Banking. Prompts like these need an expiry, otherwise ignored ones turn into permanent clutter.
Why would a payments app ask you to take a real payment during setup?
It removes the awkwardness of testing. After Tap to Pay setup, Zettle offers a refundable £1 payment, which proves the hardware and account work without the user inventing a fake product or waiting for a first customer.
Why recreate fake input fields for a tutorial?
Real iOS fields and keyboards bring behaviour you can't control or annotate. 1Password rebuilds them as fake components for its AutoFill walkthrough, which keeps the look native while stripping out noise and layering tooltips on top.
What does asking for a choice or a commitment early actually achieve?
Input makes the rest of onboarding specific to the person. Wispr Flow asks what you plan to use it for, then demonstrates the app in that exact context (cycling through each one if you pick several). Fabulous goes further and has you press a thumbprint to sign a contract in your own name, i.e., a small commitment intended to make a bigger one more likely.