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Griffin

griffin.com

From £100/mo WebAPI
Visit griffin.com
Spec score 7.8 #11 of 31 in Banking-as-a-Service Platforms

What it is

Griffin provides banking-as-a-service infrastructure for companies embedding bank accounts, payments, and other financial products through APIs. It operates its own core banking platform and banking license. Business accounts for fintechs and venture-backed startups can be managed online or by API, while embedded savings and bank accounts support customer funds and client money. Payment features include Faster Payments, instant transfers between Griffin accounts, payment webhooks, and Confirmation of Payee. Verify automates KYC and KYB checks and provides onboarding workflows. The REST API uses JSON and includes a free sandbox without fees or an NDA. Griffin also works with tell.money on open-banking integrations. Griffin Bank is authorised by the Prudential Regulation Authority and regulated by the FCA and PRA. Security documentation cites encryption at rest and in transit, monitored access, and least privilege. Business banking starts at £100 per month; platform packages are £10,000 per month, with onboarding from £15,000 one-off.

Spec sheet

What it does
Griffin provides banking-as-a-service infrastructure that companies can use to embed bank accounts, payments, and other financial products through APIs.Read 7 Oct 2026 · griffin.com
Security
Griffin’s security standards page states that data is encrypted at rest and in transit and that system access is monitored and restricted by least privilege.Read 7 Oct 2026 · griffin.com
Support
Griffin lists [email protected] and a developer Slack community as support and community channels.Read 7 Oct 2026 · griffin.com
Headquarters
London, United KingdomRead 28 Sep 2026 · griffin.com
Founded
2017Read 28 Sep 2026 · griffin.com
API limits
Each organization may make up to 50 concurrent in-flight API requests; exceeding that limit returns HTTP 429.Read 7 Oct 2026 · docs.griffin.com
Business accounts
Business bank accounts are aimed at fintechs and venture-backed startups and can be managed online or via API.Read 7 Oct 2026 · griffin.com
Core banking
The company says it operates its own core banking platform and banking license.Read 7 Oct 2026 · griffin.com
Customer focus
Griffin identifies fintech, proptech, wealthtech, lending, payroll, insurance, and SaaS companies as target sectors, with a focus on UK-based or UK-entering businesses.Read 7 Oct 2026 · griffin.com
Eligibility
The eligibility page says applicants generally must be UK-based limited companies by shares with active Companies House status and an active director.Read 7 Oct 2026 · griffin.com
Embedded accounts
Griffin offers embedded savings and bank accounts, including accounts intended for customer funds and client money.Read 7 Oct 2026 · griffin.com
Integration
The Griffin API is REST-based, uses JSON, and has a free sandbox for testing without fees or an NDA.Read 7 Oct 2026 · docs.griffin.com
Onboarding
Verify automates KYC and KYB checks and provides onboarding workflows designed to work with Griffin banking products.Read 7 Oct 2026 · griffin.com
Payments
Payment features include Faster Payments, instant book transfers between Griffin accounts, payment webhooks, and Confirmation of Payee.Read 7 Oct 2026 · griffin.com
Regulation
Griffin Bank is authorised by the Prudential Regulation Authority and regulated by the FCA and PRA.Read 7 Oct 2026 · griffin.com
Third-party integration
Griffin partners with tell.money to provide APIs for open banking integrations with regulated third-party providers.Read 7 Oct 2026 · docs.griffin.com

Plans and prices

Business bank accounts £100 a month Monthly fees from £100 Business banking; eligibility criteria apply Read 7 Oct 2026 · griffin.com
Platform banking monthly package £10,000 a month Choose a monthly package; £10,000; Save up to 40% Transaction spend is drawn down from the package Read 7 Oct 2026 · griffin.com
Platform banking onboarding £15,000, paid once One-off fee, from £15,000 Complete onboarding support; stated go-live time is 6–8 weeks Read 7 Oct 2026 · griffin.com
Platform banking Enterprise Priced on request Enterprise Custom Custom monthly package; contact Griffin Read 7 Oct 2026 · griffin.com

Every Griffin plan and price →

Strong points and limits

Strong points

  • Own core banking platform and banking license
  • REST JSON API with free sandbox
  • KYC and KYB onboarding workflows
  • Faster Payments and instant internal transfers
  • Encryption and least-privilege access controls

Limits

  • Business bank accounts start at £100 per month
  • Platform package listed at £10,000 per month
  • Onboarding starts at £15,000 one-off
  • API limit is 50 concurrent requests per organization

Who it suits

It targets fintech, proptech, wealthtech, lending, payroll, insurance, and SaaS companies, particularly UK-based or UK-entering businesses. Applicants generally need to be UK limited companies by shares with active Companies House status and an active director.

Verdict

Griffin combines regulated banking infrastructure, payment rails, accounts, and compliance onboarding for businesses building financial products. Eligibility requirements, pricing, and the concurrent-request limit are important constraints for prospective integrators.

Where Specifiction places it

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