How to Create a Banking Website – Examples, Design, Features, and Cost

How to Create a Banking Website – Examples, Design, Features, and Cost

11 min
Feb 16 2021
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Online banking is a great way to control your finances through the Internet – and no surprise that it became extremely popular over the past ten years. Over 50% of web users regularly access their bank accounts from computers or mobile devices. Did you start a local bank or an internet bank? Then you know that your top priorities are the security of client data and the convenience of using your services. Read about how to build your financial institution’s website. We’ll share some designing, technical, and marketing tips from our experience.

Does My Bank Need a Website?

Establishing a web presence is crucial for any business these days. Here are some reasons why you need to create a banking website. 1. You can establish a credible brand. Promoting a new bank isn’t an easy task to do, but a professional website contributes a lot to that. What’s more, having your own banking website will allow you to create a custom email address to send newsletters to customers and maintain correspondence with business partners. 2. Customers can learn more about your banking services. A website will allow you to offer competitive products and better customer service to stand out among other banks. Besides that, having a banking website with the Contacts page will encourage more potential clients to contact you. 3. Your business can lower administrative expenses and other costs. That will also lead to reduced fees and attracting more clients to your bank. 4. You can use all the benefits of web development. Easy account management, secure online payments, convenient Google Maps integration, SEO tools, innovative design, and many other advantages will help your banking business grow and improve.
Why a bank needs a website
Main benefits you'll have with a website
The first version of your banking website doesn’t have to be custom or worth a fortune. You can begin your web presence with a template website or a simple landing page, and as long as your business grows, plan a strategy and a budget for a well-developed custom banking website with a contemporary and user-friendly design.

What Do My Customers Want on a Banking Website?

Research is Your Friend

What are other ways to promote your bank, apart from creating a website? Start by advertising through different channels, including local TV, digital and printed newspapers, social media, etc. Before you start any marketing campaign or developing your own website, do thorough research and analysis of the digital banking industry. Let’s look at some statistics. The industry is continuously growing and likely to reach $457 billion by 2026, while over 40% of customers want to change banks to find more satisfying experience. That means you’ll make your business survive in the heated competition by offering favorable terms and more convenient services through your website.
Trends in website development
What do customers expect from a banking website today?
There are several banking trends you should know. Customers expect your services to simplify and support their lifestyles, meaning:
  • excellent mobile experience;
  • integrations with other apps;
  • easy access to credits and loans;
  • donation and investment tools;
  • financial advice;
  • interaction through chatbots, etc.
If you’re a local bank, conduct research among your community of users to find out their needs and problems with digital banking. Collect and organize all gathered information – it will help develop a website for your bank and avoid common mistakes in user experience. If possible, hire a business analyst to help you with this research.

Best Examples of Banking Websites

Studying your competitors’ experience is one of the excellent ways to learn how to create a banking website. It helps to understand what features you can implement and what things you can deliver better. Search and study several case studies of banking websites all over the world. Mizuho’s banking website demonstrates nice corporate colors and clear fonts. A user can see only helpful information and no unnecessary elements. The main page with a slider showcases the bank’s expertise and services.
Mizuho banks main page
Northwood Bank’s website is a great example of a local bank that wishes to show its history and uniqueness. Custom fonts and vivid images will make users feel at home. This banking website enables quick access to useful information (e.g., ATM locations) and provides business news for a local community.
Northwood bank main page
Bank of Melbourne’s website uses eye-catching single-line drawings and creative call-to-actions (CTAs) to maintain a friendly atmosphere.
Bank of melbourne main page
Park National bank has a soothing color scheme and clear fonts to highlight the most useful information for a customer. Another trust-building solution is employees’ portraits with CTAs for customers to learn more about the people who deliver banking services for them.
Park national banks main page
VTB’s banking website demonstrates a business-like style without information overload. The main page presents the key industries and products and navigates to sections for different categories of users.
Vtb main page

What Makes a Good Financial Institution’s Website

While attractive design plays a significant role, a functional and intuitive interface is what makes people stay on your banking website long enough. It means that all pages should provide an excellent experience. Here are some best practices from Exceed Team’s experience.
Banking website design and development tips
Making a great website for a bank
  1. Create a responsive design so that your banking website will display correctly on any device, from laptops and personal computers to smartphones and tablets.
  2. Maximize customers’ data security; it should be among your priorities.
  3. Maintain brand integrity, use corporate colors, and develop your design conception to follow.
  4. Make banking website’s navigation simple and clean; it helps enhance user experience.
  5. Make your website accessible for clients with visual disabilities.
  6. Create a corporate blog with financial advice, company news, and helpful tips for clients; unique content will also attract new visitors to your banking website.
  7. Use prominent, creative and appealing calls-to-actions; it’s one of the ways to improve conversions.
  8. Make your banking website search engine friendly; it’s a crucial part of any online marketing strategy.
  9. Integrate marketing automation tools (e.g., lead forms) into your website’s CRM to enhance email communications.
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How Do I Make a Bank Website?

Best Features to Implement

The users of bank websites are typically interested in two functions – balance checking and exchanging finances between their own accounts. We recommend you ensure quick and easy access to these operations if you want to make your platform convenient for customers. We’ll describe some essential features that you shouldn’t avoid while making a website for your bank. Signing-up & signing-in. A secure authorization process is vital for your website and highly depends on account creation for clients. What are the most secure options here? Multi-factor authentication is a must, but it also takes some time for filling in the forms. Another solution is Web Authentication API for a mobile version of your bank website. There was a study by MasterCard proving that technologies like 3D Facial Recognition and Fingerprint Scanners are becoming more favorable among users. Account management features. There are a lot of functions that you may implement for your bank’s customers, from checking their cards and accounts to viewing financial history, repeating previous payments, and taking loans. ATM locations & a Contact Us page. You can create a separate page with this information or place it in the footer of your banking website. All variants will work perfectly as long as you remember a client-centered approach. We also advise:
  • using a Google Maps integration and adding all of your bank’s offices to the map;
  • placing a Contact Us button on a navigation menu;
  • adding social media buttons.
Musthave features for a banking website
The crucial features to build for a banking website
Content Management System (CMS). It allows you to easily monitor and change all possible content as long as your banking website is ready. It includes adding and deleting photos, posting new content to a corporate blog, editing lists of bank products, employees, branches, ATMs, etc. Customer support. This is a core feature for a financial institution’s website, as your clients should be able to ask questions and resolve issues through an official representative. How do you make your customer support more up-to-date? A live chat is a great idea, and you can make it 24\7 helpful by implementing a chatbot.

Advanced Features

There are some extra features for a bank website. Consider adding them if you wish to extend your functionality and reach more users.
FAQs, financial advice, and blogs. These features are not must-haves for a young bank, but if you already have a prominent client base, it’s worth sharing your expertise to enhance their trust and invest in brand-building. Another reason to have a blog on a banking website is to encourage people to share this content on social media, which empowers your marketing strategy. Search. If you have a lot of articles and other information on your financial institution’s website, consider implementing a smoothly working search system. The simplest type is a keyword search. Testimonials. They’re an excellent way to showcase the great quality of your services to all website visitors. You can reach out to your best clients via email and ask them to write some feedback on their experience with your bank. Spending statistics. This feature can be implemented into a user account. It helps your clients to monitor their expenses, set financial goals, plan purchases, etc. Scheduled payments. It allows users to pay their bills via internet banking and helps them not miss any important transactions. Cashback. This service stimulates your clients to use their bank accounts for purchasing anything they want. Partnerships with E-commerce will help you build customers’ trust and create a loyalty program. Personalized offers. This feature allows you to offer customers special banking products or discounts from your partner companies. You can reach a user directly through their profile on your website. Download a bank’s app. This feature will work if you have already developed a mobile app for your bank.
Advanced features for a banking website
Additional features to make a bank's website stand out

Maximized Security

Without a doubt, customers’ data protection is the foundation of a bank website. Let’s discover some advanced security measures used in online banking development.
Verification:
  • multi-factor authentication;
  • long, complex passwords and a password strength checker;
  • digital signature;
  • user’s device verification.
Information:
  • data encryption;
  • secure card storage;
  • reliable database;
  • organized server infrastructure;
  • inactivity timers for web sessions.
Payments:
  • protected P2P transactions;
  • secure payments for services.
Awareness:
  • check, review, and follow the security policies for banking websites;
  • introduce your clients to the best practices of keeping their transaction-related information safe.

Technology Stack and Developers

What is a tech stack for a banking website? It is a list of all the solutions that web developers will use while working on your project. This is a whole ecosystem that may include programming languages, frameworks, and databases, to name a few.
Technology stack for a banking website
Tools to build a banking website
What kind of technology stack is suitable for online banking development? For instance, programming languages like JavaScript, PHP, Ruby, and Java. A web-based banking app will also use databases like MySQL or MongoDB, cloud communications tools like Twilio, etc. The choice usually depends on the goals you set for your bank’s website. Once you hire qualified web developers, they’ll explain what solutions work better from a long perspective. How can you find a company to select the right team for banking website development? These are several factors for you to consider:
  1. Developer’s technical expertise and previous experience. Check their portfolio and clients’ reviews.
  2. Location and communication. You can rely on the team from a different timezone – just make sure they’re available during the working hours. Professional developers should also speak English and be open to communication with you.
  3. The cost to build a bank website. It’s a common practice for US-based businesses to hire talented developers in Eastern Europe where the hourly rate is $30-$40.
If you’re looking for a versatile and cost-effective solution, consider hiring MEAN and MERN stack developers. These are the collections of advanced Javascript-related technologies to build effective websites for financial institutions. Read more about it in our guide.

How Much Does it Cost to Create a Banking Website?

In many cases, companies that search for reliable banking software development find it rather challenging to estimate the budget. Typically, the roughly calculated price depends on two factors – the number of pages and the level of customization for your banking website. How much is it to build a professional-looking website for a bank in 2021?
  • Typically, it’s from $4,000 to $6,000 for a small-sized project.
  • If you want to build a sophisticated banking website with multiple pages, prepare for $15,000 or more.
  • A banking website cost will also include ongoing maintenance works that may be from $40 to $200 per month.
When you start discussing your banking website idea with the developers, it’s good to have these things prepared:
  • a list of desired features and pages;
  • some examples of other financial websites you like;
  • the content you already have (photos, videos, articles, your company’s story, etc.)
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Closing thoughts

Banking website development is a complex, multi-stage process that requires planning beforehand. Each website will have a specific audience and goals that define its design, architecture, features, and development technologies. Security is another important facet of the question “How do you make a banking website?” Data encryption is a must. Every banking website should have a mobile version (web app) or even a native mobile app. There is a lot to do. Start with defining your project’s goals and conducting market research. This analysis will help you select the right features and find a technology partner that will bring your idea to reality. Exceed Team is looking forward to working with you. We guarantee high-quality UX/UI design and professional website development for your project. Contact us, and let’s make something valuable together.
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