Right from choosing the best piggy bank to save money as a child to opting for a bank that can

defend
all our assets, we might have always rooted for a banking system that is prudent, transparent, and
reliable. In the era of digitization like now, people like to accomplish almost everything with a few
clicks on their mobile phones. So, there is a high demand for a banking application that can ensure a
digitally safe and customized banking experience. In this article, let us learn about the test cases that
are used to test a banking application. Before that, let us understand the workings of the banking
domain in brief.
Quality of good banking application
Any banking application is expected to follow a set of etiquette that can greatly influence the client's
decision to continue with net banking or not. For a client, when their net banking experience is
digitally chaotic, there is a high chance for that client to terminate their relationship with the bank,
which is an undesired gesture.
Here are some of the must have core qualities to be made certain while designing an app to graph up
the customer experience. They are:
Simplicity:
People who know little about banking terms will use the app. To ensure a pleasant experience for
customers, the vocabulary must not be very technical. The application can be multilingual, as it will
help users in different parts of the world. The handling of the app must be child’s play.
Transparency and reliability:
The more transparent an app is, the more reliable it is. When users are given an idea of why particular
details are being asked for, they may become more understanding when the reason is fair and submit
the data.
Security:
Security must be at the core of any application. Software that is specially tailored for banking
purposes must come with a high level of security to safeguard the customer's data from any hacking,
data breaches, or other unethical activities.

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What are the test case templates?
Anything that is made to bring about change must be evaluated. If not, the change it may cause can be
harmful. We go for ‘bank application testing’ to provide the digitally best banking experience to the
clients and satisfy them to the maximum. After all, customer satisfaction is the only parameter that is
going to elevate any business.
A test case template is a collection of test cases that the QA team must test. These test cases may vary
depending on the organization. The test case template is designed to be simply understood by all team
members.

Download Banking Application Testing Test Cases

Note : We have compiled all banking application testing test cases for you in a template format. Feel
free to comment on it. Check it out now!!
UI functionality testing:
UI functionality Testing involves evaluating the login page for login and logout activities. Here are
some important test cases to be focused on:
Login, security and authentication process: This test case ensures that the login functionalities
work properly. User login activities by users with only legitimate credentials, multiple authentication
factors before login, and displaying error messages with a person with a disability are made certain by
this test case, along with the handling of user sessions, recovering passwords or changing
passwords/username all must happen with a high rate of encryption and security.
Application responsiveness: This test case ensures the responsiveness of the application. The
application must be able to load quickly and display the appropriate results whenever reloaded by the
user. It should be able to respond promptly and must be supported on all screen sizes, desktops, and
tablets, irrespective of the operating system.

Note : Test your Website responsiveness on LambdaTest Real device cloud.

Compatibility with different browsers: The application must be compatible with almost all mostly
used browsers, like Firefox, Chrome, Edge, Internet Explorer, and Opera.
Navigation: This test case makes sure that the user experience is smooth when it comes to navigation.
Menus, buttons(home button, exit buttons, login/ logout buttons), directing links, and consecutive
pages must be easily accessible and should end on the intended page. Their alignment must be proper
and understandable, and adaptable to different screen sizes.
Account Management: The test case ensures that the user can create, delete, link, update, and
manage accounts whenever possible. The changes must be quickly updated, and they are expected to
be reflected in the user account information appropriately.
Error Handling and error messages: In situations like session timeouts, connectivity issues, internet
connectivity errors, server errors, and data validation errors, the users must be informed about the
same with meaningful messages. At the same time, the application should be able to bounce back
immediately from such a crisis.
Alerts and Notifications: This test case ensures that the user gets alerts and notifications in case of
any update on the bank’s policy, low balance, credit/debit activities, or login activities on other
devices. The timing and accuracy of the delivery of the alerts are highly crucial.
Input fields: The input fields in any form must be accessible and should be of the correct data types.
They must pop out error messages when a person with a disability is entered by the user and the user
must be able to re-enter the data. The limit of the input field should be highly functional.
Accessibility: This test case ensures that the application is able to appeal to the comfort of the user in
the case of color contrasts, modes, keyboard navigation, and screen reader compatibility. The
application can be multi-linguistic for a wide reach. It must be accessible to people with visual
impairment. Voice integration should be enabled.
Feedback, FAQs, Help Desk: The user must be able to share feedback and complaints. Immediate
replies must be provided. Frequently asked questions must be updated. The help/support panel must
be available 24/7.
Transactions-related testing:
The test cases below ensure successful transactions of funds within internal accounts and external
accounts.
Internal account transfers: The test case ensures that the multiple accounts of the user are properly
linked to the application, and the funds can be transferred successfully.
External account transfers: The test case ensures that the user account can be appropriately
connected with any other external account successfully once the user enters the needed details and the
transaction is taking place successfully.
Non- Existing account transfers: When the user makes any attempt to transfer funds to a non-
existing account, it must be prohibited. The test case ensures this.
Transaction success/failure: The test case ensures that the transaction's success or failure is notified
immediately to the user.
Transaction reference number: The test case ensures that a separate transaction reference number is
generated for each transaction. The number should be unique and delivered to the user.
Insufficient balance: When a transfer is attempted beyond the actual fund in the user account, it must
be restricted. This test case ensures this.
Transaction history: The transactions performed by the user must be maintained properly and should
be available to the user all the time. This is ensured by the test case.
Transfer limit: The transaction ensures that no transaction by the user is done after a particular limit,
and the user is notified about the maximum limit reached.
Testing related to online payments:
Payment gateway integration: This test case ensures that the payment gateway is integrated with the
application for any fund transfer to e-commerce websites.
Initiations: The user must be able to initiate any payments successfully.
Payment method: The test case ensures that the user is able to effortlessly choose payment methods
like credit card, internet banking, debit card, UPIs, Paytm, and GPay.
Payee selection: This test case ensures that the payer is able to choose the payee with simple search
options appropriately.
Invalid payee: The test case ensures that the payer is rightly informed about the invalid details given
by the user regarding the payee. It should come up with relevant messages when the intended payee
does not have a net banking account.
Invalid details: This test case ensures the user is notified appropriately about the invalid or
unmatched bill details provided.
Scheduled/ recurring payments: This test case ensures that the user can go for recurring or
scheduled payments. The application must be triggered at the scheduled time set by the user for the
payments. They are notifying the user before and after the payment also be included.
Confirmation: This test case ensures that the user can get a notification regarding the confirmation of
the bill payment with all the details.
Payment history: The application should be designed in such a way that it keeps records of all the
payments previously done by the user and is viewable at any time.
Payment amount limit: This test case ensures that the user is doing a transaction only within limits.
If the amount entered by the user exceeds the limit, the user must be informed about it through a
message. Any transaction after a specified number of times must be prohibited.
Payment failure: This test case ensures that the user is notified regarding the payment failure, if any.
The notification should also state the reason behind the failure.
Testing related to bill payments
Bill addition: The test case ensures that a new biller can be added at any time for online bill payment.
Bill payment validation: Before any bill payment, the validity of the biller must be evaluated. This
test case ensures that the user does no transaction to a non-existing or invalid biller.
Cancellation: This test case ensures that the user is able to cancel any scheduled payments to the
biller anytime. Once cancellation is made, a message confirming it must be displayed to the user.
Successful bill payment: The test case ensures that the user is notified through a message after a
successful bill payment.
Bill management: Once the bill payment is made, the user must be able to view or download the bills
whenever needed.
Bill Payment failure: This test case ensures that the user is notified regarding the bill payment
failure, if any. The notification should also state the reason behind the failure.
Bill payment history: The history regarding all the bill payments should be maintained thoroughly.
The test case ensures the same.
Testing related to account updation:
Account preferences: The test case ensures that the user is able to switch between multiple accounts
after a verified login.
Beneficiary updation: This test case ensures that the user is able to add or remove the account
beneficiaries whenever needed.
Account information: The user must be able to update their account information, such as personal
details, contact information, security information, and beneficiary details, whenever needed.
Account information incompletion: If the user leaves any essential information incomplete, the user
must be notified about the same. This is ensured by this test case.
Successful updation: After the user updates the profile, the updated information must be retrieved by
the application and should be properly reflected in the user’s account.
Privacy and security: The user details must be secured throughout the updation process.
Login: The test case ensures that the next login done by the user after the update is working properly.
Testing related to debit or credit cards:
Card enrollment: This test case ensures that the user can register their credit or debit cards and
receive a notification if the registration is successful.
Card validation: During registration or updation, the application must evaluate the validity of the
card details, such as card expiry date, PIN, etc.
Blocking cards: This test case ensures that the user is able to block their credit/debit cards whenever
needed. Any future transaction on that card must be made impossible.
Unblocking cards: This test case ensures that the user is able to unblock their credit/debit cards
whenever needed. Any future transaction on that card must be allowed.
Card details updation: The user must be able to update their card details, such as PIN number, on
the application, and the updation should reflect on any future transaction properly.
Card requisition: The user must be able to request for a new credit/debit card. The test case ensures
that the requisition process works properly and the user is notified about the card replacement and its
delivery from time to time.
Card limits: The test case ensures that the credit card limits are displayed to the user correctly.
Credit limit increase/decrease: This test case ensures that the user can request an increase/decrease
in their credit limits. In case of approval, the update must work properly, irrespective of past
transactions.
Usage notifications: The test case ensures that the user gets notified about reaching their maximum
credit limit properly on time.
Multiple account credit limit: The test case ensures that credit limits are maintained properly for all
the accounts of the user that are linked to the application.
Credit limit history: The user must be able to track and view the history of credit limit changes.
Temporary suspension: The test case ensures that the credit card limit is temporarily prohibited from
suspicious actions, and the same is informed to the user. The suspension has to be lifted once the
problem is solved.
Testing related to disputes on transactions:
Requisites: When a user opts for dispute raising, they must be prompted with all the necessary details
needed to submit a request for a dispute. This test case ensures this.
Initiation: The test case ensures that the user can raise a dispute on the desired transaction after
selecting the appropriate category under which their dispute belongs, and the request is submitted
successfully.
Dispute tracking: The user must be able to track and monitor the dispute process and its progress
successfully.
Dispute resolution: The test case ensures that the application provides the user with options they can
choose regarding the dispute, such as transaction reverse, refunding, negotiation, and credit
adjustment appropriately.
Dispute intensification: The test case ensures that the user is able to level up their dispute and
request involvement of a superior successfully.
Parallel disputes management: This test case ensures that the application is able to manage multiple
disputes raised by the user successfully and related messages are sent to the user.
Finalized dispute result: The rejection or acceptance of the dispute or any decision made on the
dispute must be notified to the user appropriately.
Closure: After the decision is made and successfully notified to the user, the status should be
updated. This test case tests this.
Report generation: The test case ensures that the application can make an exhaustive report on the
whole dispute resolution process to make the process much more effective.
Dispute investigation: The test case must be able to successfully investigate the dispute using the
transaction history and available evidence, and customer sentence.
Testing related to loan applications and payment methods:
Eligibility verification: This test case ensures only the eligible applicant applies for a loan. The
application should be able to calculate eligibility using various information like credit history, cibil
score, income, employment status, and all other relevant factors.
Pre-requisites: The application must prompt the user about all the needed documents that must be
uploaded to apply for a loan. The required documents may include identification documents, the latest
salary slips, proof of address, Bank statements for the last three months, etc.,
Validation: During the entry of the details by the applicant, the application must be able to validate
the fields and prompt an error message if any details are invalid. This test case ensures this.
Loan amount calculation: The loan amount sanctioned to the designated customer must be
calculated by the application successfully using the information provided by the customer.
Interest calculation: This test case ensures that the application is able to successfully calculate the
interest amount and interest rate based on the loan amount and tenure.
Successful submission: Once the applicant uploads the essential documents, the loan application
submission must be successful.
Status tracking: The test case ensures that the user is able to track the progress of their loan
application, and the applicant must receive timely updates and messages regarding the same.
Application approval: This test case ensures that the application is able to successfully approve the
eligible loan applications and notify the user about the approval through mail or message on time.
Application disapproval: This test case ensures that the application is able to successfully reject the
ineligible loan applications and the applicant is notified about the rejection with appropriate reasons
on time.
Fund transfer/disbursement: Once the loan is approved, the appropriate loan amount should be
transferred to the account of the designated customer. The disbursement process must be accurate, and
this is made sure by this test case.
Loan deferment/forbearance: This test case ensures that the user is able to make a requisition for
temporary postponement in paying monthly loan payments and is notified about the process and final
decision successfully on time.
Loan payment methods: This test case ensures that the user is able to pay their loan amounts through
any payment option such as google pay, Paytm, and others successfully.
Loan cancellation: This test case ensures that the loan cancellation initiated by the user is processed
successfully by the application. The progress and confirmation must be notified to the user
appropriately.
Loan modification: Process related to any modification in the loan amount, interest rates, or tenure
requested by the user must work properly. The test case ensures this.
Scheduled payment: The user must be able to schedule/reschedule/cancel any scheduled payments
whenever needed.
Testing related to investment accounts
Prerequisites: The application must successfully prompt the user about all the needed documents,
such as PAN card, passport, voter ID card, and other relevant documents.
Account creation: This test case ensures that the user can successfully create an investment account,
and a confirmation is sent to the user once the account is created. If any field is left incomplete or
invalid details are being filled in it, the user must be notified about the same with the appropriate
messages.
Investment options and risks: The application must provide the user with all the options available
for selection of an investment account type. The test case also ensures that the user is given complete
information about the risks, funding options, duration, and other relevant matters.
Funding: This test case ensures that the application works successfully in terms of funding. The
application should be able to manage both small and large fundings, fundings on multiple accounts of
a single user through any payment option on any device.
Account updation: Ensure that the application is able to rightly calculate the balance after every
transaction or investment. The changes should accurately reflect the correct amount.
History and statement reports: This test case ensures that the user is able to track the transaction
history accurately. The application must be able to generate all the transaction statements and reports
that include all the appropriate details. The user must be able to download the reports and statements
whenever needed in any file format.
Notifications: The test case ensures that the user is rightly informed of any changes in their
investment portfolio.
Account closure: This test case ensures that an investment account is closed successfully and any
transactions to and from the account are blocked. The application should also ensure that the account
is cleared and handled properly.
Testing related to stock management
Prerequisites: The user must be rightly prompted about all the documents, such as proof of identity,
proof of income, proof of bank account, PAN card, and other relevant documents, to create a stock
market account.
Account creation: This test case ensures that the application can successfully create a stock market
account for a user after the user submits all the needed documents. An appropriate confirmation
message about the same must be sent to the user by the system.
Nature of the account: The account must be of zero balance; it should be able to handle both small
and large funds. This test case also ensures that the account should not run on run on negative balance
and that any update reflects appropriately.
Stock search: When the user attends to search for the details of a stock just by entering a ticker
symbol, all the details related to that stock must be successfully displayed to the user. When search-
related details are not available on the database, the application must handle it easily. This test case
ensures it.
Current updates: This test case ensures that the user is able to get regular updates on real-time stock
prices, stocks, trade prices, actions, and other relevant information. The application should be able to
successfully notify the user about the changes in the stock markets from time to time.
Portfolio update: The user must be able to witness appropriate changes in the portfolio after adding
or removing stocks from the account. The update should be saved and reflected successfully.
Stock purchase: This test case ensures that the user is able to purchase stock after entering the
appropriate details related to the stock that, includes price, quantity, ticker symbol, type of trade, and
name of the stock. The user should be successfully notified about the confirmation of the purchase
and also make sure that the application is able to update the balance in the portfolio.
Stock selling: This test case ensures that the user is able to sell the stocks successfully once valid
details like shares, price, and other relevant details are entered. In case of entry of an invalid detail,
the application must be able to throw an appropriate error message, and after the stock is sold, it
should be removed from the user’s stock number.
Notifications: The users must be notified about all the changes in the market from time to time.
About the confirmation in the stock purchases and sales, stock price changes and stock alerts should
be continuously notified to the users. This test case also ensures that the user is able to opt for
customized alerts, change frequencies in alerts, and also make wanted changes in the alert systems.
Insufficient quantity: The test case ensures that the user is given an error message when they make
an attempt to sell a quantity that is not available in the user’s account.
Diversity in stock selling: The application must be able to handle situations where the user sells only
a portion of the stock. The user may sell only half the stock sometimes; the remaining stock must be
present in the user's portfolio, and the old one must be deleted. This test case ensures that the system
is able to cope with the diversity in the stock selling quantity and update it in the user's account.
Invalid detail entry: The test case ensures that the user is warned with an appropriate error message
when the user enters an invalid detail. During stock selling or purchasing, the user might enter a
negative value, a zero, or a number that is beyond or behind the actual market price in the price field,
and the chosen ticker symbol may be wrong. Such errors must be successfully notified to the user on
time.
Account statement: The account statement that includes the balance and all the transaction details
must be visible and printable in any format (.pdf,.csv,.png, etc.)) by the user. This use case ensures
this.
Trading hours: This test case ensures how the application behaves when there are attempts from the
end-user during the hours that are not allocated for active trading. The user must be displayed with
appropriate error messages successfully during such conditions.
Multiple user activities: The application must be able to handle the traffic when there are multiple
user activities, such as one user selling a stock and another user buying another stock simultaneously.
This test case ensures that such cases are handled with great accuracy and efficiency.
Market and limit orders: This test case ensures the application works coherently with market and
limit orders.
Transaction History: The user must be able to access the properly maintained transaction history
that includes sold stocks, purchased stocks, withdrawals, and other related details. The transaction
details must be continuously updated, and the tracking must be appropriate.
Account closure: This test case ensures that the account is cleared, and no more actions can be done
on stock management using this account.
Testing related to retirement accounts:
Prerequisites: The user must be rightly prompted about all the documents, such as proof of identity,
pension paperwork, PAN card, and other relevant documents, to create a retirement account.
Account creation: This test case ensures that the application can successfully create a retirement
account for a user after the user submits all the needed documents. An appropriate confirmation
message about the same must be sent to the user by the system.
Account user type: This test case ensures that the user is able to create an account of the desired
type. The types prompted to the user during selection must include all the retirement types such as
Simple IRA, Mutual fund, traditional IRA, defined contribution plan, etc.,
Investment and withdrawals: This test case ensures that the user is able to contribute to/withdraw
from their retirement accounts successfully, and it is confirmed through an appropriate confirmation
message. The app must also be able to manage all kinds of withdrawals, such as partial, early, and
half withdrawals.
Changes handling: The user might change their investment plan halfway. This test case ensures that
such situations are handled gracefully by the application. The changes must get reflected in the user’s
account appropriately.
Account Balance updates: This test case ensures that the account balance gets updated successfully
after every withdrawal, contribution, rollover, and so on. The same changes must reflect in future
transactions.
Account statements: An account statement must include information about transaction history, dates,
amounts, and descriptions. This must be viewable by the user at any time and also downloadable and
printable in any format(for example- .csv, .pdf).
Notifications: Any notification or alert related to policy updates or contribution limit reach should be
given to the users from time to time.
Account management: This test case ensures that the user is able to update the account with
information such as personal details, contact information, and security information successfully. The
entry of an invalid user must be notified with an appropriate error message. The changes must reflect
in the account settings and in any further actions taken through that account.
Linking: This test case ensures that the integrations with external systems are possible to set up
automatic contributions. The application must be able to validate interactions between retirement
accounts and other banking features.
Account closure: When the user wants to close his/her account, the application must be able to
respond to it appropriately, and the account must be closed with the prohibition of any further
transactions to that account.
Testing related to online account creation:
Prerequisites: The user must be rightly prompted about all the documents, such as proof of identity,
address proofs, and other relevant documents, to create an online account.
Document and details validation: The application should validate the information provided by the
user. The documents must be stored properly in databases. Any invalid data entry or incomplete field
must be notified to the user with an appropriate error message.
Verification: The test case ensures that the details entered by the user are authentic and valid. The
documents must undergo a verification process; the process must also include signature matching and
facial recognition.
In the case of address verification, the application must be able to recognize and verify all kinds of
addresses, such as indigenous and international addresses, irrespective of special cases and non-
standard formatting. When the system is unable to verify the given data or address, it should throw up
appropriate error messages stating the reason along with it.
Account creation: This test case ensures that the application is able to successfully create an account
online for a user after the submission of all the needed documents by the user. An appropriate
confirmation message about the same must be sent to the user by the system.
Account user type: This test case ensures that the user is able to create an account of the desired
type. The types prompted to the user during selection must include all the retirement types such as
savings account, fixed deposit account, recurring deposit account, NRI accounts, etc.,
Configuration: The configurations, additional features, and customizations made by the user must be
applied properly by the application. The default values must be automatically set by the application
when the user does not provide them.
Funding: This test case ensures that the user is able to initiate a payment to their account through any
means, such as an online transfer or a check deposit, or through UPI. The balance must be updated
appropriately.
Transactions: Transactions on the newly opened account must be appropriate, the balance must get
updated from time to time, and the same should reflect in the user’s future transactions.
Notifications and alerts: This test case ensures that the application can rightly notify the user about
changes in the bank's policies related to accounts. An appropriate confirmation message must be
displayed to the user after every transaction. Warnings during any illegitimate account login activities
must be given to the user at the appropriate time.
Duplicate accounts creation: This test case prevents the user from creating multiple accounts with the
same information. When such attempts are made, the application must throw appropriate messages
warning the user and must prevent the creation of duplicate accounts.
Integration: This test case ensures that the application is integrated with other banking systems and
third-party services for secure online transactions, transparency in how the user’s data is handled, and
other benefits.
History and statement reports: This test case ensures that the user is able to track the transaction
history accurately. The application must be able to generate all the transaction statements and reports
that include all the appropriate details. The user must be able to download the reports and statements
in any file format whenever needed.
Account closure: When the user wants to close their account, the application must be able to respond
to it appropriately, and the account must be closed with the prohibition of any further transactions to
that account.
Testing related to online customer support:
Connecting: The user must be able to connect to the online customer support system without any
issue after a legitimate login.
Technical support: The test case ensures that customer support can help customers in solving
technical issues such as application installation problems, login problems, etc., using relevant details
from the user side, such as operating system, device type, and version of the model. Appropriate
troubleshooting steps must also be provided to the customers.
Login issues: In case of login issues, the application must be able to assist the users by providing the
right solutions based on the depth of the problem. Customer support should follow the customers until
the issue is solved.
Transaction disputes: Customer support must be able to resolve any queries related to transaction
disputes. The dates and the processes inclined to it must be informed to the users appropriately
whenever enquired by the user.
Queries related to account balance: This test case ensures that customer support is able to provide
all the appropriate information related to account balance, transactions, and account statements
whenever the customers enquire about it.
Problem-related to cards: Customer support must be able to solve customer inquiries that are related
to credit or debit cards. The issues might include reports about stolen cards or lost cards. The
customer must be well-guided throughout the new card requisition and replacement process.
Availability: Online customer support must be available 24/7 to the customers. This test case ensures
that there is no delay in the appropriate replies given to the users about troubleshooting steps.
Testing related to online support tickets:
Creation: This test case ensures that the customer is able to create an online support ticket and use it
for any future connection with customer support for assistance and resolving issues.
Submission: When a customer creates an online support ticket by mentioning the issues and other
related problems, a unique ID has to be created, and a confirmation message regarding the creation of
the support ticket has to be displayed to the user.
Categorization: With the help of the nature of the issue, the support ticket must be put under an
appropriate category by the application.
Ticket allocation: This test case ensures that the tickets are allocated to the teams that are capable of
managing them. The application must assign the tickets to the respective resolution teams or support
agents.
Prioritization: The application must be able to prioritize the support tickets based on the impact of
the issue and the urgency. The higher-priority tickets must get instant acknowledgments and
resolutions. At the same time, the lower-priority tickets must not be omitted or delayed too much.
Tracking: This test case ensures that the customer is able to track their support ticket status just by
entering the relevant details, such as the ticket ID. The application must display an appropriate
message (e.g., ticket submitted, ticket resolved).
Escalation: This test case ensures that the ticket is escalated successfully to any higher official or the
ticket's priority is elevated by the user whenever needed. Once it is escalated, the ticket must be dealt
with maximum attention.
Ticket closure: Once the issue is resolved, the status must be successfully updated to the respective
customer, and the ticket must be closed.
Testing related to reward points:
Eligibility for reward points and their calculation: The reward points must be awarded only to
eligible transactions. For each type of transaction, like withdrawals, deposits, and transfers, only
allotted reward points must be added to the user’s account. The calculation of the reward points must
also depend on the transaction amounts. The changes must reflect appropriately in any further
transactions.
Display: The application must display the appropriate reward points information. The update in the
reward points after any transaction or withdrawal should reflect in the user’s account as soon as
possible. Any transaction history related to reward points, like earned points or redeemed points, must
be displayed appropriately by the application.
Redemption: The application must ensure that the user has sufficient reward points for any
redemption. The redemption request must be appropriately processed, and the redeemed reward points
must be deducted from the user’s account correctly. The user must fully benefit from the redeemed
points.
Expiration: This test case ensures that the reward points become invalid once it gets expired. It has to
get deducted from the user’s account. The remaining valid reward points must still be present in the
user’s account.
Testing related to credit score and credit report:
Estimation: The application must calculate the credit score based on the user’s credit history. The
estimation must be appropriate and should match the expected value based on the customer’s credit
history.
Threshold: This test case ensures that any action/service is offered to the user only if the credit score
is above their required threshold value.
Accuracy: This test case ensures that the credit report generated is accurate. Any modifications or
changes must get updated in the credit report appropriately. The credit report should be viewable and
manageable and should be easily accessible in any format to the user.
Retrieval:This test case ensures the application is able to retrieve the credit report and display it to the
user. The report must contain all the details such as credit history, payment history, credit limit, etc.,
Dispute clearance: This test case ensures that the user is able to raise disputes on incorrect
information on their credit reports. Those disputes must be further processed for a resolution.
Testing related to overdraft protection:
Access, enable, and disable: The users must have their accounts accessed to an overdraft protection
feature. This test case ensures that the application is able to allow users to turn the overdraft
protection feature on or off whenever needed. The update must be appropriately notified to the users
and get reflected in any future bank-related actions.
Threshold setting: The user must be able to set a desired threshold or limit to their overdraft
protection feature.
Triggers and alerts: The overdraft protection must get triggered when the balance falls below the
threshold. The user gets notifications and alerts related to it. This test case ensures this.
Payment: This test case ensures that the user is able to repay their overdraft balances, and their
negative or zero balance gets elevated into a positive one.
Fee calculation: This test case shows that the application is able to appropriately calculate the fee
when the overdraft protection limit is triggered (i.e., the balance falls below the set threshold).
Testing related to safe deposit box:
Vacancy: This test case ensures that the user is aware of the availability of safe deposit boxes through
the application. The application must also be informed about the status of the deposit box(e.g.,
booked, reserved).
Reservation and accessibility: The user must be able to reserve a safe deposit box by specifying the
size and the location of the box and the reservation must be confirmed through a confirmation
message. The booked safe deposit box must be out of the reservation until it’s free. It should be
accessible and manageable to the users at any time.
Management: This application must allow the user to update any information related to the safe
deposit box, extend the lease, cancel the reservation, raise disputes, etc. The users must be able to
view, add or remove items from the box. The changes must get updated successfully.
Testing related to annuity accounts:
Information input: When the applicants open the annuity section on the application, all the fields
that need to be filled must be displayed. This test case ensures that the user is notified during any
invalid data entry or about incomplete fields with an appropriate error message. The default values
must be automatically filled. Once the details are submitted, the submission must be successful, and
the page must proceed to the next step.
Account type: This test case ensures that the user is able to select the type of annuity account they
want from the annuity section in the application. The types may include immediate, deferred, fixed,
and variable. Once the account type is selected, the changes must be stored and updated appropriately.
Beneficiary details: The application must also provide the users an option to designate a beneficiary.
There must be a section in the application for the users to input the beneficiary details, which must be
updated, stored, and linked to the annuity account.
Contribution amount setup: This test case ensures that the user is able to specify the contribution
amount for their annuity account. The application should make sure that the users do not enter
negative or zero values in the field. In that case, an appropriate error message must be given.
Contribution: The user must be able to set up automatic contributions, they must be successfully
triggered on time. Notifications must be sent before and after the contributions.
Submission: The applicant must be able to successfully submit their application for an annuity
account and get an appropriate confirmation message.
Account closure: When the user wants to close his/her account, the application must be able to
respond to it appropriately, and the account must be closed.
Testing related to estate planning documents:
Information input: When the applicants open the annuity section on the application, all the fields
that need to be filled must be displayed. This test case ensures that the user is notified during any
invalid data entry or about incomplete fields with an appropriate error message. The default values
must be automatically filled. Once the details are submitted, the submission must be successful, and
the page must proceed to the next step.
Account type: This test case ensures that the user is able to select the type of annuity account they
want from the annuity section in the application. The types may include immediate, deferred, fixed,
and variable. Once the account type is selected, the changes must be stored and updated appropriately.
Beneficiary details: The application must also provide the users an option to designate a beneficiary.
There must be a section in the application for the users to input the beneficiary details, which must be
updated, stored, and linked to the annuity account.
Contribution amount setup: This test case ensures that the user is able to specify the contribution
amount for their annuity account. The application should make sure that the users do not enter
negative or zero values in the field. In that case, an appropriate error message must be given.
Contribution: The user must be able to set up automatic contributions, they must be successfully
triggered on time. Notifications must be sent before and after the contributions.
Submission: The applicant must be able to successfully submit their application for an annuity
account and get an appropriate confirmation message.
Account closure: When the user wants to close his/her account, the application must be able to
respond to it appropriately, and the account must be closed.
Testing related to estate planning documents:
Information input: When the applicants open the estate planning documents section on the
application, all the fields that need to be filled must be displayed. This test case ensures that the user is
notified during any invalid data entry or about incomplete fields with an appropriate error message.
The default values must be automatically filled. Once the details are submitted, the submission must
be successful, and the page must proceed to the next step.
Document type selection: This test case ensures that the user is able to select the type of estate
planning document they want to apply for from the estate planning document section in the
application. The types may include wills and trusts, durable power of attorney, letters of intent,
guardianship designations, and other relevant types. Once the document type is selected, the changes
must be stored and updated appropriately.
Compliance: The application must adhere to all legal requirements and should guide the applicants to
fill up the legal requirements to initiate an estate planning document. The requirements include
clauses, wills, and other related requirements.
Submission: The applicant must be able to successfully submit their application for an estate
planning document and get an appropriate confirmation message.
Management: This test case ensures that the user can view, update and manage their estate planning
documents and its setting anytime. The changes must get stored and updated properly.
Testing related to online security:
Security management: The application must guide the user to set strong passwords that include a
combination of letters, special characters, and numbers. The authentication mechanism must be highly
secure and should prohibit any illegitimate login.
Encryption: Any sensitive user data must be encrypted in the database and should be secured from
any unauthorized access or brute-force attacks, or data phishing.
Password reset: The application must ensure the availability of the option “forgot password” for the
users to choose whenever they lose track of their password. The password reset process must be
highly secure. A password reset link can be sent to the user's email-id, and it must be a short-lived
link that expires after a short time of successful use.
Session Management: This test case ensures that the application is able to generate a secure session
identifier and manages the user’s session with it. The session identifier must be transmitted, stored,
and expired after a duration of inactivity. This is done to prevent any hijackings or fixations.
Error and vulnerability handling: The application should be able to handle errors flawlessly and
any security vulnerabilities, such as broken access control, insecure design, security
misconfigurations, etc., without revealing any sensitive information.
Testing related to logout:
Confirmation prompt: When the user chooses the log-out option, a confirmation prompt must be
displayed for the user to confirm the logout. A cancel log-out option can also be provided for the user
to choose in case they don’t want to log out.
Successful logout: This application ensures that the user is able to successfully logout when the
“logout’’ option is clicked. A successful logout should confirm it by displaying a logged-out
confirmation message or returning back to the login page.
Handling invalid logout: When any invalid logout is made, the application must deny it displays an
appropriate error message or redirects the user to an error page.
Session timeout: After a period of inactivity, the application must successfully trigger a log-out and
the user must be redirected to the login page or should be displayed a session-expired message.
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Banking application testing with LambdaTest:

If you are looking to manage the testing of your banking application efficiently, consider leveraging
the LambdaTest cloud-based software testing platform. LambdaTest provides comprehensive support
for testing banking web applications across 3000+ browsers, operating systems, and devices,
including mobile devices. Here are some key features of LambdaTest:
• Testing Debugging: Simplify the debugging process of your banking application's Salesforce
integration using various logs, including command logs, network logs, and video recordings.
• Faster Test Execution: With HyperExecute, LambdaTest's fastest end-to-end test
orchestration cloud, you can accelerate your test execution by up to 70%.
• Parallel Execution: Reduce your test execution time significantly by running Salesforce tests
in parallel on multiple configurations, achieving faster results.
• Seamless CI/CD Integration: Easily integrate LambdaTest into your banking application's
CI/CD pipelines for smooth and streamlined testing workflows.
Also, explore our comprehensive guide on test execution engines, gaining insights into their
functionalities to elevate your testing workflow with automation.
Conclusion
The test cases provided above to test your banking application are believed to help you build a user-
friendly application. The test cases focus on UI functionality, security, account management,
transaction-related testing, and all other essential test cases that should be taken into account.
Developers need to test their banking applications thoroughly to ensure the reliability, security,
stability, functional accuracy, and usability of their applications and hence provide their customers
with a great banking experience. Combination of blockchain and banking produce secure systems for
your apps, you can learn more about blockchain testing through our hub.