Which agencies design money transfer and P2P payment apps?

People judge a money app on one flow: sending. They pick a recipient, type an amount, check the fee and the rate, confirm, and wait to see whether the money arrived. If one of those screens leaves them unsure, they call support. So the agency you hire should have designed those screens for a real app, not only its logo and website.

Seven agencies publish a case that describes designed work on the send-money journey of a named consumer app: Brucira, Denovers, Humbleteam, Netguru, Purrweb, Spaceberry Studio, and UITOP. Their cases cover remittance apps in South Africa and the UK, P2P and payments apps in Mexico, Kuwait, and India, a Turkish wallet, and a banking app.

Humbleteam publishes this comparison and is one of the agencies in it. Its evidence is the One Bank case, where the transfer work is a short part of a brand and app project, and we say so in its section. The agencies appear alphabetically. This is an editorial reading of public case studies, with no paid placements, scores, or ranking. Any metric below is the agency’s own figure from its own page.

How we chose the agencies

Every agency, Humbleteam included, had to meet three criteria:

1. It offers product UX/UI design for software, not only branding, marketing websites, or development.
2. It publishes a case study on a named consumer app where people send or receive money: a P2P app, a wallet, a remittance service, or a digital bank app. Merchant gateways, processors, and B2B payment tools did not count.
3. The case says what the agency designed in the send-money journey, such as recipients, the amount, fees and exchange rates, confirmation, or transfer status and history. Brand-only work and marketing websites did not count.

We did not require proof of launch, but we say where a page claims it.

Merchant and B2B payment products are compared in our guide to design agencies for payments companies. That page also covers Phenomenon Studio’s KlickEx case, a cross-border transfer app with a fee and exchange rate calculator, so it is not repeated here. Manyone’s redesign of bit, a P2P payment app with 3.5 million users according to the agency, describes new navigation and a visual identity but not the transfer screens, so it did not meet the third criterion.

Brucira: P2P and UPI flows for an Indian payments app

Brucira lists studios in Mumbai and London. Its BharatPe case covers the app of an Indian digital payments brand across UPI, bills, and transfers over 24 weeks. The work began with a two-week design sprint that Brucira ran as its pitch.

The team compared fintech and UPI-led apps, with users in Tier 2 and Tier 3 cities in mind. Its wireframes put UPI transfers, peer-to-peer payments, and bill payments first. The final app covers onboarding, success states, transaction history, bill payments, and EMI tools. BharatPe’s Chief Product and Marketing Officer is quoted saying some of the flows Brucira made are already live. The page prints no metrics, so ask which flows shipped.

Denovers: a remittance app rebuilt with its agent tools

Denovers calls itself an AI-first product design studio, founded in 2020, and works from Lewes, Delaware, and Dubai. Its HomeRemitt case, from 2023, covers a South African remittance company that sends money to more than 30 countries. The customer app was slow and dated, and agents had no dashboard at all.

Of the seven cases, this one describes the send flow in the most detail. Customers choose bank transfer, mobile wallet, or cash pickup, pick or add a beneficiary in the flow, see the recipient’s amount in their currency as they type, and choose a regulator-required reason from defaults. Fees are broken down before confirmation. Missing identity details and amounts over the limit trigger a banner instead of a dead end. The transactions list filters by pending, terminated, and canceled, and each card shows recipient, amount, type, and status. Denovers also designed an agent app and the website on one design system. The agency reports more than 250,000 customers and 5 million transactions on the live platform. Our payments comparison covers a different Denovers case, PayEngine.

Humbleteam: quick send inside a banking app

Humbleteam has offices in Prague and Dubai. Its One Bank case covers brand identity and the app for an all-in-one banking platform. The page says the app brings balances, cards, recent activity, transfers, and transaction details into one experience. Quick send sits one gesture from the contact it belongs to, and security steps appear only when the action calls for them. The list of what shipped includes quick send and transaction details, next to the brand system, a marketing website, and a campaign kit.

That is the whole of the transfer evidence. The page describes no fee, exchange rate, or status screens, and it does not say whether One Bank has launched. Humbleteam’s fintech page also lists SadaPay as a “Neobank for payments and digital wallet” and describes the Pakistani launch as “From idea to final product.” That is a short project description, not a case study, so it does not count here. One Bank also appears in our wider fintech comparison because it is the only public Humbleteam case with transfer screens.

Netguru: a P2P app that outgrew its first version

Netguru is a software and design company based in Poznań. Its Swap case covers a Mexican P2P app for sending money to anyone in a contact list, to any bank account, or to any debit card number. Swap’s first version, built mostly in-house, stopped coping as features were added.

Netguru studied how existing users moved through the app, then delivered the final design within a few months, with documentation that Swap’s own developers used to build it. The page lists money transfers over social media, media payments, and Swap credit among the new features. The agency reports $60 million processed through the app each month after the redesign and 85,000 users in Mexico. The page shows little of the screens, so ask for a walkthrough of the send flow.

Purrweb: a send-and-request MVP for Kuwait

Purrweb is a software development company that also sells UX/UI design, with offices in Walnut, California, and Ras al-Khaimah in the UAE. Its KEM case, tagged 2023, covers a P2P app for Kuwait, where users send money to a friend or request it.

Users sign up with a phone number, link one or more cards, and request money from people in their contacts. Purrweb added PIN login, a profile, a transaction history, and a request list where users track open requests and send reminders. Kuwaiti banks did not let outside developers use their APIs, so Purrweb built the MVP on mock data for demos and handed the code to KEM’s in-house team. That team rebranded the app before launch, so the live screens may differ. Purrweb reports that KEM raised a $1 million seed round on the strength of the MVP.

Spaceberry Studio: a transfer flow that guards against mistakes

Spaceberry Studio is a UX/UI design studio that lists offices in London, New York, Amsterdam, and Kyiv. Its Iona Pay case, published in February 2026, covers a Turkish fintech app with cards and crypto payments. Over three to four months, the team audited the app and reworked the payment and transfer flows with simpler navigation and fewer steps.

In the transfer flow, users choose the asset and the recipient, then enter the amount while their balance stays visible. A review screen summarizes the wallet, amount, and recipient and warns that the transaction cannot be reversed, then a success state closes the flow. The case also covers card controls, crypto deposits, and a design system with light and dark themes. The agency reports more than 180 screens and 20 flows, and says Iona Pay is live on the App Store and Google Play. Part of the brief was an interactive prototype for investors, so ask what was tested with users.

UITOP: a remittance app from calculator to back office

UITOP is a UX/UI design and development company. Its own site gives no city, and directory listings place it in Kyiv. Its TangoPay case covers a UK money transfer app for sending money abroad.

The case opens the app on a rate calculator: users pick the currencies, type the amount, and see what the recipient gets at the latest rate. Sending takes a few guided steps, with the option to pick a contact or add a new person. Each transfer in the history shows key details, the list can be searched by date, amount, or person, and notifications report transfer status. The team also designed camera-based document scanning and a back office for business users. UITOP reports more than 350 screens and a four-month launch time.

How to choose

Start with the part of sending money that costs you the most support tickets.

• If customers send money abroad and doubt the final amount, compare Denovers’ HomeRemitt with UITOP’s TangoPay.
• If friends pay and request money from each other, read Purrweb’s KEM, Netguru’s Swap, and Brucira’s BharatPe.
• If your wallet mixes cards and crypto, look at Spaceberry Studio’s Iona Pay.
• If you are launching a new money app and need the brand and the core app at once, Humbleteam’s One Bank case shows that shape of project, with the limits noted above.

Then send every agency on your shortlist the same three cases from your own app: a transfer still pending after two days, a transfer the recipient’s bank rejected, and a rate that changed between the quote and the confirmation. Ask each to sketch the status screen and message the customer sees. Our guide to pending, failed, and refunded payment states lists what each state should tell the customer, and the guide to explaining transfer fees shows how to test the fee and rate screens.

A team that has designed transfers before usually asks what your payment partner returns for each state and who writes the fee copy. Also ask who reviewed the designs for compliance in the case you liked, and what the client measured after release.