01 / Landing
Two facts on the first screen, before anything is asked.
Most banking apps open with marketing. The landing screen leads with two specific facts: you do not need a German address yet, and your deposits are insured by the EU up to €100,000. Both are shown before the user is asked for anything.
Decision: lead with rights, not features.
02 / Details
The legal basis is named in the line the user actually reads.
Most banks bury the GDPR basis inside a Terms of Service link. On this screen, the basis is named directly in the consent: contract, not blanket consent. The user can see why each field is asked, before agreeing.
Reference: GDPR Art. 6(1)(b), processing necessary for performance of a contract.
03 / Address
"No Anmeldung yet? No problem."
60% of survey respondents named the Anmeldung block as their biggest frustration. The address screen answers it inside the field itself, with a line telling the user that a temporary address is fine for now.
From research: 60% of 30 respondents flagged the Anmeldung as the largest single pain point.
04 / Reviewing
The screening is named, the stages are visible, the wait is finite.
Most banks reduce the review step to a spinner. Klar shows the four stages explicitly, including the AML sanctions check that is usually hidden. The user can see what is running, what is next, and roughly how long it takes.
Reference: Directive (EU) 2018/843 (AMLD6), anti-money-laundering and sanctions screening.
05 / When verification fails
The screen avoids the words "rejected" and "failed".
The most likely reason is named so the user has something to act on. A manual review by a person is offered as a real option. The user\'s right to a written explanation, under GDPR Art. 22, is shown as a button rather than buried in a policy.
Reference: GDPR Art. 22, right to an explanation for automated decisions.
06 / Account open
The deposit protection from screen one is restated on screen eight.
IBAN, BIC, and balance are ready immediately. The virtual card is live. The deposit insurance line from the landing screen reappears here as a quiet footer, so the protection shown at the start is still on the screen at the end of onboarding.
Reference: Directive 2014/49/EU, EU deposit guarantee scheme.
Design after onboarding
07 / Home
What still needs to happen is visible on the home screen.
The home screen surfaces the unfinished work directly: activating the physical card, adding the Steuer-ID before day 90. The user does not have to remember the German tax timeline because the app already does.
Decision: the next obligation lives on the home screen, not inside a settings menu.
08 / Document Centre
A document checklist tied to a real deadline.
87% of survey respondents asked for one thing above everything else: a clear list of which documents they could submit, right now. The Document Centre is that list. The Steuer-ID is tied to the 90-day German tax deadline, and reminders are set in advance.
From research: 87% of 30 respondents named this as the single most useful feature. Highest signal in the survey.
09 / Confirm send
The conversion rate, the fee, and the total are shown before the user confirms.
70% of survey respondents wanted cheap transfers home. The confirm screen shows the live EUR to XOF rate, the partner fee broken out separately, and the total debit calculated in full. Nothing is added at the next step. The recipient sees the amount in their own currency, before the sender commits.
From research: 70% of respondents named cheap transfers home as a primary need.
10 / Card on its way
Tracking, expected window, activation steps, and a fallback path.
33% of respondents named the wait for a posted card as a source of frustration. The tracking screen gives the user a real DHL number, a four-stage timeline, the address it is going to with an edit option, and a route to a replacement if the card does not arrive by the expected date.
From research: 33% of respondents cited the card wait as a frustration in the first weeks.