Designing a financial control feature for Portugal's largest private bank

Case Study: Limit Management

When EU regulation required banks to give customers control over their transfer limits, Millennium BCP had a problem: transfer limits were invisible to users, and 13,000+ customers a year were hitting silent blocks with no explanation. As the Product Designer on this feature, I led the UX across the full journey, from scope definition and usability testing to high-fidelity prototypes and hand-off in 6 months. Post-launch, 79% of users completed a transfer within 24 hours of adjusting their limit.

Where did this project come from?

- Regulatory Trigger EU Regulation 2024/886 mandated that all banks enable customers to set maximum limits for national and international instant transfers, per day and per transaction, across all channels (effective October 9, 2025) - Security Gap Millennium had limit management only for cards. For transfers, limits were invisible - users had no way to see, understand, or control them. - Technical Limits Two hard technical limits existed silently: transfers above 12,500€ triggered a mandatory validation call, and transfers above 50,000€ were blocked entirely.