60 Sample User Story and

Acceptance Criteria for

Reference

©2024, Diwakar Kumar Singh

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1. User Story: Login to Application

As a user, I want to log in to the mobile banking application so that I can
access my bank account securely.

Acceptance Criteria:

Given I am on the login screen

When I enter a valid username and password

Then I should be logged in and directed to the home dashboard.

2. User Story: Biometric Authentication

As a user, I want to log in using biometric authentication so that I can access
my account quickly and securely.

Acceptance Criteria:

Given I have enabled biometric authentication on my device

When I attempt to log in
Then the app should prompt me to use fingerprint or face recognition for
login.

3. User Story: Forgot Password

As a user, I want to reset my password so that I can regain access to my

account if I forget my credentials.
Acceptance Criteria:
Given I am on the login page and select “Forgot Password”

When I provide my registered email or phone number

Then I should receive a password reset link via email or SMS.

4. User Story: View Account Balance

As a user, I want to view my account balance so that I can see how much
money I have.

Acceptance Criteria:
Given I am logged into the app

When I navigate to the accounts page

Then I should see the balance of all my linked accounts.

5. User Story: View Transaction History

As a user, I want to view my transaction history so that I can track my
spending.

Acceptance Criteria:
Given I am on the account page

When I select a specific account

Then I should be able to view the last 30 days of transaction history.
6. User Story: Transfer Money Between Accounts
As a user, I want to transfer money between my linked accounts so that I can
manage my funds.

Acceptance Criteria:

Given I am logged in and on the transfer screen

When I select the source and destination accounts and enter an amount

Then the money should be transferred immediately.

7. User Story: Transfer Money to External Accounts

As a user, I want to transfer money to an external bank account so that I can
pay others or move funds.

Acceptance Criteria:

Given I am on the transfer screen

When I select an external bank account, enter the details, and confirm the
transfer
Then the transfer should be initiated, and I should receive a confirmation.

8. User Story: Add Payee for Money Transfer

As a user, I want to add a payee so that I can easily transfer money in the
future.
Acceptance Criteria:
Given I am on the payee management screen

When I enter the payee's bank details and save it

Then the payee should be added to my list of payees.

9. User Story: View Scheduled Payments

As a user, I want to view my scheduled payments so that I can manage my

upcoming transfers.

Acceptance Criteria:
Given I am on the transfers page

When I select the "Scheduled Payments" option

Then I should see a list of my upcoming payments with details.

10. User Story: Pay a Bill

As a user, I want to pay my utility bills through the app so that I can manage
payments conveniently.

Acceptance Criteria:
Given I am on the bill payment screen

When I select a biller, enter the amount, and confirm payment

Then the bill should be paid immediately, and a confirmation should be
displayed.

11. User Story: Set Payment Reminder

As a user, I want to set reminders for bill payments so that I never miss a
payment deadline.

Acceptance Criteria:

Given I am on the bill payment screen

When I schedule a reminder for a bill

Then I should receive a notification on the reminder date.

12. User Story: Set Spending Limit Alerts

As a user, I want to set spending limit alerts so that I can manage my
expenses better.

Acceptance Criteria:
Given I am in the account settings
When I set a spending limit

Then I should receive a notification when my spending exceeds the set limit.

13. User Story: View Account Statements

As a user, I want to download my account statements so that I can review my
financial records.
Acceptance Criteria:

Given I am on the accounts page

When I select the “Download Statement” option

Then I should be able to download a PDF of my last 6 months of transactions.

14. User Story: Block Debit Card

As a user, I want to block my debit card so that I can protect my account if my

card is lost or stolen.

Acceptance Criteria:
Given I am on the card management screen

When I choose to block my debit card

Then the card should be blocked immediately, and I should receive
confirmation.

15. User Story: Request New Debit Card

As a user, I want to request a new debit card so that I can continue accessing
my funds if my card is lost or damaged.

Acceptance Criteria:

Given I am on the card management screen

When I select “Request New Card” and confirm my details

Then a new card should be ordered, and I should receive confirmation.

16. User Story: Manage Debit Card PIN

As a user, I want to change my debit card PIN so that I can ensure my account
is secure.

Acceptance Criteria:
Given I am on the card management screen

When I choose to change my debit card PIN

Then I should be able to enter a new PIN and receive confirmation of the
change.

17. User Story: Set Up Two-Factor Authentication

As a user, I want to set up two-factor authentication (2FA) so that my account
is more secure.

Acceptance Criteria:

Given I am in the security settings

When I enable 2FA and choose a method (SMS, email, or authenticator app)
Then I should be prompted for a second form of verification during future
logins.

18. User Story: Receive Transaction Alerts

As a user, I want to receive alerts for all transactions so that I am immediately

notified of any account activity.
Acceptance Criteria:
Given I have enabled transaction alerts in settings

When any transaction occurs in my account

Then I should receive an SMS or email with the details.

19. User Story: Enable International Transactions

As a user, I want to enable international transactions on my debit card so that

I can use it abroad.

Acceptance Criteria:
Given I am in the card management screen

When I toggle on the option for international transactions

Then my debit card should allow international purchases.

20. User Story: View Loan Details

As a user, I want to view the details of my loan so that I can track my loan
repayment schedule and balance.

Acceptance Criteria:
Given I have a loan with the bank

When I go to the loans section of the app

Then I should see my loan balance, EMI amount, due date, and remaining
tenure.
21. User Story: Apply for Loan
As a user, I want to apply for a personal loan so that I can meet my financial
needs.

Acceptance Criteria:

Given I am on the loans section

When I fill out the loan application form and submit it

Then I should receive a confirmation message that the loan application is

submitted for review.

22. User Story: View Fixed Deposit Details

As a user, I want to view the details of my fixed deposits so that I can track my
investments.

Acceptance Criteria:
Given I have a fixed deposit with the bank
When I go to the fixed deposits section
Then I should see the maturity date, interest rate, and total amount.

23. User Story: Create Fixed Deposit

As a user, I want to create a fixed deposit online so that I can grow my savings.
Acceptance Criteria:
Given I am on the fixed deposit creation screen

When I select the amount, duration, and confirm the deposit

Then the fixed deposit should be created, and I should receive confirmation.

24. User Story: Request Cheque Book

As a user, I want to request a cheque book so that I can write cheques for
payments.

Acceptance Criteria:

Given I am on the cheque book request page

When I confirm my request

Then the cheque book should be ordered, and I should receive a notification.

25. User Story: Stop Cheque Payment

As a user, I want to stop a cheque payment so that I can prevent unauthorized
or incorrect transactions.

Acceptance Criteria:

Given I am on the stop cheque payment screen

When I enter the cheque number and submit the request

Then the cheque payment should be stopped, and I should receive

confirmation that the cheque has been voided.
Given I enter an invalid or already cleared cheque number
When I attempt to stop the payment

Then I should receive an error message indicating that the cheque cannot be
stopped.

26. User Story: Update Contact Information

As a user, I want to update my contact information so that I can receive

notifications and communications at my preferred address or phone number.

Acceptance Criteria:
Given I am logged in and on the profile settings page

When I enter a new phone number or email and submit the update
Then I should receive a confirmation message, and the updated information
should be reflected immediately.

27. User Story: View Branch Locator

As a user, I want to view the nearest branches and ATMs so that I can visit a
physical location if needed.

Acceptance Criteria:

Given I am on the branch/ATM locator screen

When I enter my current location or allow location access
Then I should see a map with the nearest branches and ATMs, along with their
contact information and hours of operation.

28. User Story: Request a Credit Card

As a user, I want to apply for a new credit card through the app so that I can
have access to credit when needed.

Acceptance Criteria:

Given I am on the credit card section

When I select “Apply for Credit Card” and fill out the application form

Then I should be able to submit the form, and a confirmation of the

application submission should be displayed.

29. User Story: Activate New Credit Card

As a user, I want to activate my new credit card so that I can start using it for
transactions.

Acceptance Criteria:
Given I have received a new credit card

When I navigate to the card activation screen and enter the card details
Then the card should be activated, and I should receive a notification
confirming activation.

30. User Story: View Credit Card Transactions

As a user, I want to view my credit card transactions so that I can track my
spending and payments.

Acceptance Criteria:

Given I am on the credit card section of the app

When I select my credit card account
Then I should be able to view the most recent transactions, including charges
and payments.
31. User Story: Pay Credit Card Bill

As a user, I want to pay my credit card bill through the app so that I can clear
my dues on time.

Acceptance Criteria:
Given I am on the credit card bill payment screen

When I select a payment source (bank account or another credit card) and
confirm the amount

Then the payment should be processed, and I should receive a confirmation

message.

32. User Story: View Rewards Points

As a user, I want to view my credit card rewards points so that I can redeem
them for offers and discounts.

Acceptance Criteria:
Given I am on the credit card section of the app
When I select the “Rewards” option
Then I should be able to see the total available points and any redemption
options.

33. User Story: Redeem Rewards Points

As a user, I want to redeem my credit card reward points so that I can get
discounts or offers.

Acceptance Criteria:
Given I have sufficient rewards points

When I choose a redemption option and confirm the details

Then my rewards points should be deducted, and I should receive a
confirmation of the redemption.

34. User Story: Enable/Disable Credit Card for Online Transactions

As a user, I want to enable or disable my credit card for online transactions so
that I can control where my card is used.

Acceptance Criteria:

Given I am in the card management section

When I toggle the option for enabling/disabling online transactions

Then my credit card should either allow or block online purchases based on
the selected option.
35. User Story: Set Credit Card Transaction Limit
As a user, I want to set a limit on the amount that can be spent on my credit
card so that I can manage my expenses.

Acceptance Criteria:
Given I am in the card management section
When I enter a transaction limit and save the changes

Then the app should enforce the transaction limit on future purchases.

36. User Story: Enable Travel Notifications

As a user, I want to enable travel notifications for my credit card so that I can
use it abroad without restrictions.

Acceptance Criteria:

Given I am on the travel notification page

When I enter my travel dates and countries

Then my credit card should be allowed for international transactions during

that period.

37. User Story: Apply for a Home Loan

As a user, I want to apply for a home loan through the app so that I can get
funding for my property purchase.

Acceptance Criteria:
Given I am on the loan application page
When I fill out the home loan form with my details and submit the application
Then I should receive a confirmation that my application is under review.

38. User Story: Manage Standing Instructions

As a user, I want to set up standing instructions for recurring payments so that

I don’t miss any future payments.

Acceptance Criteria:
Given I am on the standing instructions page

When I enter the payment details and set the frequency

Then the recurring payment should be set, and I should receive a
confirmation.

39. User Story: Set Custom Alerts for Transactions

As a user, I want to set custom alerts for transactions so that I can receive
notifications based on my preferences.

Acceptance Criteria:

Given I am on the alerts setting page

When I select specific transaction types (e.g., above a certain amount)

Then I should receive alerts for those types of transactions.

40. User Story: View Investment Portfolio
As a user, I want to view my investment portfolio so that I can track the
performance of my investments.

Acceptance Criteria:
Given I have investments linked to my account
When I go to the investment section

Then I should be able to see the current value, profit/loss, and performance of
my portfolio.

41. User Story: Invest in Mutual Funds

As a user, I want to invest in mutual funds through the app so that I can grow
my wealth.

Acceptance Criteria:

Given I am on the mutual funds section

When I select a fund, enter the amount, and confirm the purchase

Then my investment should be processed, and I should receive confirmation.

42. User Story: Apply for Pre-Approved Loan

As a user, I want to apply for a pre-approved loan so that I can get funds
quickly.

Acceptance Criteria:
Given I have been offered a pre-approved loan
When I accept the offer and submit the required information

Then the loan should be disbursed into my account immediately.

43. User Story: Update Beneficiary Details

As a user, I want to update my beneficiary details so that I can ensure my
funds are transferred to the correct person.

Acceptance Criteria:
Given I am on the beneficiary management screen

When I update a beneficiary’s details (name, account number)

Then the changes should be saved, and I should receive a confirmation.

44. User Story: Set Auto-Sweep for Savings Account

As a user, I want to set up an auto-sweep for my savings account so that any
excess balance is moved to a fixed deposit.

Acceptance Criteria:
Given I am on the auto-sweep configuration page

When I set a minimum balance and confirm the setup

Then any excess funds should automatically be moved into a fixed deposit,
and I should receive a notification.

45. User Story: Download Tax Statements

As a user, I want to download my tax statements so that I can file my taxes

easily.

Acceptance Criteria:
Given I am on the account page

When I select the “Download Tax Statement” option

Then I should be able to download a PDF of my tax statement for the chosen
financial year.

46. User Story: Set Up Joint Account Access

As a user, I want to set up joint account access so that my partner can access
the account as well.

Acceptance Criteria:
Given I am on the joint account setup page
When I enter my partner's details and authorize their access

Then they should receive a notification and have access to the account.

47. User Story: Set Spending Categories

As a user, I want to set spending categories for my transactions so that I can
better track and manage my expenses across different categories (e.g., food,
travel, utilities).

Acceptance Criteria:
Given I am on the spending categories settings page
When I select categories for different types of transactions

Then each transaction should be automatically categorized based on

merchant type or user selection.

Given I review my transaction history

When I manually reassign a transaction to a different category

Then the transaction should be updated and reflected in the appropriate

spending category report.

48. User Story: View Spending by Category

As a user, I want to view my spending by category so that I can understand
where my money is going.

Acceptance Criteria:

Given I have categorized my transactions

When I navigate to the "Spending Summary" screen

Then I should see a breakdown of my expenses by category (e.g., food, travel,

utilities) with total amounts for each category.
49. User Story: Enable/Disable Push Notifications for Transactions
As a user, I want to enable or disable push notifications for transactions so
that I can control the notifications I receive on my phone.

Acceptance Criteria:
Given I am on the notifications settings page
When I toggle the push notification option for transactions

Then I should start or stop receiving notifications for each transaction in real-
time.

50. User Story: Lock/Unlock Debit Card

As a user, I want to temporarily lock and unlock my debit card so that I can
prevent its use if it's misplaced without permanently blocking it.

Acceptance Criteria:

Given I am on the card management screen

When I toggle the option to lock my card
Then my card should be immediately locked, preventing all transactions.
Given I find my card again

When I toggle the option to unlock my card

Then my card should be unlocked, allowing transactions to resume.

51. User Story: Set Up Direct Debit for Recurring Payments

As a user, I want to set up direct debit instructions for recurring payments
(e.g., subscriptions) so that my bills are automatically paid from my account.

Acceptance Criteria:

Given I am on the direct debit setup page

When I provide the payment details and authorize the direct debit
Then my payments should be automatically deducted on the due date.

52. User Story: View and Download Loan Amortization Schedule

As a user, I want to view and download my loan's amortization schedule so

that I can track the repayment breakdown over time.

Acceptance Criteria:
Given I have an active loan

When I navigate to the loan section and select "Amortization Schedule"

Then I should be able to view and download the full schedule showing
principal and interest breakdown for each month.

53. User Story: Enable Auto-Saving Feature

As a user, I want to enable an auto-saving feature that rounds up transactions
to the nearest dollar and transfers the difference to my savings account.

Acceptance Criteria:

Given I am on the auto-saving settings page

When I enable the feature and link a savings account
Then all future transactions should be rounded up, and the difference
transferred to my savings account.

Given I review my savings transactions

When I check the auto-saving details

Then I should see a breakdown of the round-up amounts and total

transferred.

54. User Story: Set Up Investment Goal Tracking

As a user, I want to set up investment goals (e.g., retirement, education) so

that I can track my progress toward specific financial objectives.

Acceptance Criteria:
Given I am on the investment goal tracking setup page

When I enter my goal details (e.g., amount, timeline, type of goal)

Then I should be able to track my progress, with recommendations for
contributions to meet the goal.
55. User Story: Schedule a Call with Customer Service

As a user, I want to schedule a call with customer service so that I can get
help at a time convenient for me.

Acceptance Criteria:
Given I am on the customer service page

When I select the option to schedule a call and choose a date and time
Then I should receive a confirmation, and customer service should call me at
the scheduled time.
56. User Story: Enable/Disable NFC Payments

As a user, I want to enable or disable NFC payments (e.g., contactless

payments) so that I can control when my card is used for touchless
transactions.

Acceptance Criteria:

Given I am on the card settings page

When I toggle the NFC payment option

Then my card should either allow or block contactless payments based on my

selection.

57. User Story: View Real-Time Exchange Rates

As a user, I want to view real-time exchange rates so that I can convert

currency for international transactions.

Acceptance Criteria:
Given I am on the currency converter or international transaction page

When I select a currency pair (e.g., USD to EUR)

Then I should see the current exchange rate and be able to proceed with the
transaction using that rate.

58. User Story: Set Spending Restrictions for Family Accounts

As a user, I want to set spending restrictions for supplementary family
accounts (e.g., children’s accounts) so that I can manage their spending.

Acceptance Criteria:

Given I am the primary account holder

When I navigate to the family account management section and set spending
limits or restrictions

Then the supplementary account should adhere to the defined limits.

59. User Story: Apply for a Foreign Currency Account

As a user, I want to apply for a foreign currency account so that I can hold and
transact in multiple currencies.

Acceptance Criteria:

Given I am on the account creation page

When I select the option to open a foreign currency account and specify the
currency
Then my application should be processed, and the account should be created
with the selected currency.
60. User Story: View and Manage Subscriptions

As a user, I want to view and manage all my active subscriptions (e.g., Netflix,
Spotify) so that I can track my recurring expenses and cancel if needed.

Acceptance Criteria:
Given I am on the subscriptions management page
When I view my active subscriptions and select an option to cancel
Then the selected subscription should be canceled, and I should receive
confirmation of the cancellation.

61. User Story: Report a Fraudulent Transaction

As a user, I want to report a fraudulent transaction so that the bank can
investigate and take necessary action.

Acceptance Criteria:

Given I notice a suspicious transaction in my account

When I select the option to report it as fraud

Then the transaction should be flagged, and I should receive confirmation

that the report has been submitted to the bank for investigation.