Revolut: Payments — Work

2020

Payments

Lets users send and receive money instantly, both domestically and internationally. With just a few taps, users can split bills, pay friends, or settle up in over 30 currencies—fee-free within Revolut. The experience is designed to be fast, intuitive, and secure, integrating seamlessly with contacts and offering real-time notifications and payment tracking.

Revolut.com

Revolut

Sr Product designer

Prototyping

User research

UX, UI

Interaction design

Problem
Revolut’s peer-to-peer payments felt dry and transactional — especially for younger users. The experience lacked the fun, social layer seen in competing apps. We wanted to make sending money to friends feel effortless and engaging, driving more daily use and referrals. But as a core money-moving flow, changes had to be seamless, safe, and non-disruptive.

Audience
Revolut customers sending moeny to other evolut persoanl account users.

01.

Goals & success
metrics

We set out to streamline the peer-to-peer payment flow and make it feel more social, adding features like private messaging and GIFs. The goal was to drive repeat use and make sending money between friends more engaging.

Success was measured by:

7% increase in Revolut-to-Revolut transfers over 30 days
12% lift in time spent on the Payments tab
9% more users sending payments more than once per week
5% reduction in time to complete a payment

02.

Process

Competitive Research
We reviewed social-first apps like Tinkoff and Venmo to identify patterns that made payments feel fun, viral, and sticky.

Design Exploration
I created wireframes, flows, and tested new components — including a “type-to-send” input that let users embed amounts directly into chat messages.

Cross-Functional Collaboration
Worked closely with PMs for behavioural insights, engineers to validate feasibility, and compliance teams to align on money transfer safety.

Validation & Testing
Ran multiple user tests on prototypes, followed by A/B testing to measure engagement and safety before full rollout.

Key Design Decision
Originally pushed for one-tap payments, but pivoted to include biometric confirmation after identifying security risks.

03.

Design

Chat-Style Interface
We introduced a conversational UI with support for GIFs, stickers, and private messaging, making money transfers feel more like chats than transactions.
Smart Actions
New “Send,” “Request,” and “Split” buttons were made prominent for one-tap access, speeding up core flows and reducing friction.

Text-to-Send
Users could now type “£30 for dinner” and trigger a payment directly from the message field — merging intent and action seamlessly.
Improvements Over Legacy Flow
The redesign reduced steps, added social delight, and brought payments into a more natural, familiar interface.

Accessibility & Edge Cases
We added clear visual states for failed or pending transfers, ensured full voiceover support, and prevented feature access for underage accounts or unsupported regions.

04.

Impact / results

The new peer-to-peer payments experience was A/B tested and showed strong performance across our core engagement metrics. Compared to the legacy flow:

9% increase in daily Revolut-to-Revolut transfers
14% lift in time spent on the Payments tab
11% boost in users sending payments more than once per week
17% drop in time-to-send per transaction

The feature received strong internal support, with leadership highlighting it as a step toward making Revolut more social and sticky. It also gained positive PR attention as part of Revolut’s push into lifestyle banking.