The presence of physical cards for FinTechs and challenger banks is becoming increasingly important for them to differentiate themselves from traditional banks. As physical cards remain a crucial component of the customer experience, it's essential for businesses and organisations to create bespoke cards that meet their specific needs and requirements.

As financial technology (FinTech) and challenger banks continue to rise in popularity, it's becoming increasingly important for them to differentiate themselves from traditional banks. One way they do this is through the physical cards they provide to their customers. In this blog, we'll discuss the importance of physical cards for FinTechs and challenger banks.

Increased Brand Recognition

For many challenger banks, the physical card and packaging are the only tangible aspects of the bank that customers interact with, as they don't have physical branches. Therefore, it's even more important that they can convey their brand effectively through these elements. The physical card can be an essential tool for brand recognition and marketing, as the Monzo effect has shown us. Monzo, a challenger bank in the UK, has a bright coral-coloured card that is easily recognisable and has become a conversation starter among its users. By having a unique and easily identifiable card, challenger banks can increase brand recognition and set themselves apart from traditional banks.

Enhanced User Experience

Physical cards can also enhance the user experience. Features such as blind notches, braille, and coloured edging for easy recognition can make the card more accessible to users with disabilities. Additionally, features like contactless payment can make the payment process quicker and more convenient for customers. These small details can make a significant difference in the user experience and contribute to a positive perception of the bank.


Packaging is another aspect of the physical card that can contribute to a positive user experience. Many challenger banks have adopted the "Apple experience" approach to their packaging, creating unboxing experiences that are memorable and enjoyable for customers. Slider packs and unique materials can make the physical card feel like a premium product and add to the overall brand experience.


While many transactions are conducted digitally, physical cards are still an essential tool for customers to access their accounts. As such, the reliability of physical cards is critical. If a customer's phone battery dies or they are in a location with poor reception, a physical card can be the only way for them to access their funds. Therefore, it's essential that physical cards are durable, secure, and can be replaced quickly if lost or stolen.

In conclusion, physical cards play a crucial role in the success of FinTechs and challenger banks. They provide an opportunity for increased brand recognition, enhanced user experience, and can contribute to a positive perception of the bank overall. With the rise of digital banking, it's easy to overlook the importance of physical cards, but they remain a critical component of the customer experience.

allpay cards specialise in creating bespoke cards, their expertise in this area can help businesses and organisations create a card that meets their specific needs and requirements.

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