MULTICURRENCY WALLET
Western Union (via Telus Digital), 2025-2026
Western Union was evolving its Australian app from a remittance tool into a multicurrency financial platform. I designed across two phases, first adapting for the Australian market then building the wallet. What started as a local adaptation was mandated as the global design direction.
Problem
Western Union had a strong remittance presence in Australia built on access to a wider range of local banks than most competitors could offer. While that advantage held, the product stood still. The gap between what WU offered digitally and what users increasingly expected had been closing for years. Adding a multicurrency wallet wasn't optional anymore. It was overdue.
Role
I was the Senior Product Designer responsible for the end-to-end design of the remittance flow adaptations and the full multicurrency wallet experience, covering account architecture, currency management, Jars, navigation, settings and off-platform artefacts. The home screen, platform migration and cards were collaborative.
Phase 1: Adapting for market
The task wasn't to redesign the remittance flow from scratch, it was to make it feel like it was built for Australian users rather than translated for them. That meant replacing product taxonomy with user language, stripping content that assumed unfamiliarity, and making component decisions that would scale.
The design for Australian users was adopted by the Mexico market while Phase 1 was still in progress.
1.1: Domestic payments
I redesigned the domestic payments flow end-to-end, applying the same language and component simplifications made across the remittance flow. The international flow received the same treatment but shipped with the original Mexico styling due to development timeline constraints.
Sending to Elias
You send
50.00
MXN
Current wallet balance: 990.00 MXN
Choose how to send and pay
Fees depend on the selected methods.
Delivery method
Elias’ Wallet
Change
JR
Payment method
Western Union Wallet
Description (optional)
Transfer fee
0.00 MXN
Total you’ll pay
50.00 MXN
Continue to review
Mexico
Australia
Mexico
The MX flow asked users to "Choose how to send and pay" across labelled method fields that needed tooltips to explain. The AU version replaced the section heading, method labels and tooltips with two spatial labels: "From" and "To." The same decision with less to read.
1.2: Add money
This feature was new to WU entirely. Until this product, WU had never held customer funds. I designed the flow that made that possible for the first time.
More payment methods in Add Money made the compact list treatment more important, but it was applied consistently across all payment method selections. Same information, one line per method.
Source account
Debit card *4456
Available in seconds
+0.29 MXN
New debit card
Available in seconds
+0.29 MXN
New debit card
Available in minutes
+4.00 MXN
*Credit card fees breakdown
Transfer fee: 40.00 MXN
Credit card processing fee: 28.00 MXN
Apple pay
Available in seconds
+0.29 MXN
Bank account
Available in seconds
+0.29 MXN
Cash in-store
Available in minutes
Free
Add money
Source account
Debit card *4456
Change
Funds available in seconds
Destination account
Primary account *5678
Change
Deposit money to your account
Amount
100.00
MXN
Continue
Mexico
Australia
Mexico
1.3: Accounts
The Mexico account screen was built for an audience that needed educating. Australian users didn't. Research showed "Wallet" didn't resonate with Australian users. "Accounts" did. Tutorials, promotional banners and a management list were competing for attention simultaneously. I stripped it back to one prioritised message at a time and moved account management to the account detail screens. The wallet icon was replaced with the currency flag, future-proofing for multicurrency.
My Wallet
My primary account
•
*5678
50.00
AUD
Send
Add money
Move
Master your wallet
Explore the tutorials below for quick tips on sending money, saving, and managing your funds.
Manage my wallet
Account number and card details
Account documents
Update beneficiary
Update profile
View terms & conditions
Home
Wallet
Send
Card
Menu
Mexico
Australia
Mexico
Phase 2: Multicurrency wallet
The multicurrency wallet introduced the ability to hold, convert and move money across 30+ currencies, partition funds into named Jars with goals and target dates.
The existing app had grown without a unified visual system. Each tab had different content hierarchies, promotional content competing with functional actions, and the menu was a scrolling sitemap duplicating features already in the navigation.
Designing for multicurrency forced a rethink of how every tab presented information. Rather than propose a new system, I audited the existing components, reducing visual weight while preserving the underlying structure, and applied a consistent visual language, header treatment and component approach across all tabs.
The work received direct recognition from WU's global stakeholder, prompting the Director of Product Management to mandate the changes as the new global direction.
Total balance
1,800.56 AUD
View all accounts
AUD
1,800.56
AUD
Home currency
Add new currency
Hold and manage up to 30 currencies in one place.
Send
Add money
Convert
Cash out
Recents
AH
Aurora Howard
3 April, 8:22am • Asakusa
1,700.00 AUD
Resend
Quick actions
You sent Lorenzo
800.00
AUD
Track transfer
AH
You sent Aurora
1,700.00
JPY
Track transfer
Home
Payments
Card
2.1: Settings
The Menu was restructured as a focused settings modal, giving account management a dedicated home as the product expanded. Categories were consolidated to shorten the list and improve findability. New capabilities including PayID registration and self-serve payment controls were added without disrupting that clarity.
Home
Payments
Card
Total balance
1,800.56 AUD
View all accounts
AUD
1,800.56
AUD
Home currency
Add new currency
Hold and manage up to 30 currencies in one place.
Send
Add money
Convert
Cash out
Recents
AH
Aurora Howard
3 April, 8:22am • Asakusa
1,700.00 AUD
Resend
Quick actions
You sent Lorenzo
800.00
AUD
Track transfer
AH
You sent Aurora
1,700.00
JPY
Track transfer
Settings
Profile
Security
Manage contacts
Payment settings
Statements
Exchange rate alerts
Marketing preferences
More services
Get loan
Mobile
Pay bills
Gifts
2.2: Accounts
The accounts view moved off the tab bar and into a dedicated modal, accessible from the home screen. Currencies and Jars sit as two equal tabs, with the total balance surfaced at the top across both. Move money only appears once a Jar exists, keeping the action space uncluttered until it's relevant. The Jars empty state sets expectations before a customer commits, showing what the feature is for before they use it.
Home
Payments
Card
Total balance
937.37 AUD
View all accounts
AUD
200.00
AUD
Home currency
JPY
82.195.22
AUD
737.37 AUD
Add new currency
Hold and manage up to 30 currencies in one place.
Send
Add money
Convert
Cash out
Recents
AH
Aurora Howard
3 April, 8:22am • Asakusa
1,700.00 AUD
Resend
Quick actions
You sent Lorenzo
800.00
AUD
Track transfer
AH
You sent Aurora
1,700.00
JPY
Track transfer
Accounts
Total balance
937.37 AUD
Add
Convert
Currencies
Currencies
Jars
AUD
200.00 AUD
JPY
82.195.22 JPY
737.37 AUD
Add new currency
Take out cash anytime.
Order a physical card to withdraw money from an ATM near you.
Order physical card
Accounts
Total balance
5,748.57 AUD
Add
Convert
Move money
Currencies
Currencies
Jars
AUD
200.00 AUD
JPY
82.195.22 JPY
737.37 AUD
Add new currency
Take out cash anytime.
Order a physical card to withdraw money from an ATM near you.
Order physical card
No jars
With jars
No jars
My primary account
Available balance
1,800.56 AUD
Send
Add money
Move
Account number
*5678
Show account details
Recent activity
View all
Woolworths
Spent • 02/08/2025
- 2,000.00 AUD
Pending
ATM cash withdrawal
Withdrew • 02/01/2025
- 500.00 AUD
Deposit from bank
Deposited • 02/01/2025
+ 350.00 AUD
AP
Aisha Pendleton
Received • 12/19/2024
+ 1,000.00 AUD
Manage my account
View account details
Edit settings
Account documents
Update beneficiary
Close account
Get help
Home
Accounts
Send
Card
Menu
Before
Phase 1
Phase 2
Before
Inside each account, transactions were grouped by day rather than month with continuous scrolling replacing a capped list, anticipating more frequent card spending. The header reduced in size in Phase 1 to bring transactions closer to the top, then updated to a white background in Phase 2 to align with the rest of the app.
2.3: Convert money
Convert uses CurrencyCloud for near-real-time rates, refreshing every 30 seconds throughout the flow including the review screen. Updated values load with a shimmer state in place, keeping the user in the flow without interruption. The live rate behaviour is a backend constraint; the shimmer ensures users can see when values are actively updating before they confirm.
AUD
100
Balance: 200.00 AUD
AUD
10,979.62
Balance: 23,345.67 JPY
JPY
1 AUD = 109.7962 JPY
3
Continue
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The team
Stakeholders:
Devon Taylor, Gregory Laurent, Alexi Paxinos
Product:
Garrett Meccariello, Sheerin Takoo, Jessica Yang, Deepika A
Solution Architect:
Matthieu Fyot
Jaime Zamorano, Jatin Sharma
Design Director:
Leigh Scholten
Research:
Hermann Ruiz
Content Design:
Simone Ziada
Jessie Lai