Griffin
Griffin provides banking-as-a-service infrastructure for companies that want to offer bank accounts, payments, and other financial products through APIs.
What Griffin is
Griffin provides banking-as-a-service infrastructure for companies that want to offer bank accounts, payments, and other financial products through APIs. It operates its own core banking platform and banking license. Its business accounts target fintechs and venture-backed startups and can be managed online or by API; embedded savings and bank accounts can also be used for customer funds and client money. Payment features include Faster Payments, instant transfers between Griffin accounts, webhooks, and Confirmation of Payee. Verify automates KYC and KYB checks and provides onboarding workflows for Griffin banking products. The REST API uses JSON, and a free sandbox is available for testing without fees or an NDA. Griffin partners with tell.money on open banking integrations with regulated third-party providers. Griffin Bank is authorised by the Prudential Regulation Authority and regulated by the FCA and PRA. Applicants generally need to be UK-based limited companies by shares with active Companies House status and an active director.
Good
- REST API uses JSON and has a free testing sandbox.
- Offers Faster Payments and instant transfers between Griffin accounts.
- Verify automates KYC and KYB checks.
- States data is encrypted at rest and in transit.
Watch out
- Platform banking package is £10,000 per month.
- Organizations are limited to 50 concurrent in-flight API requests.
Who it suits
Griffin is aimed at fintech, proptech, wealthtech, lending, payroll, insurance, and SaaS companies focused on the UK or entering that market. Applicants generally need to meet its stated UK company and director criteria.
Verdict
Griffin combines banking infrastructure, payment features, and onboarding tools for companies building financial products. Its stated eligibility requirements and package costs are important to weigh before pursuing access.
Plans and prices
From Griffin's own pricing page, checked 7 Oct 2026.
| Plan | Price | What it gives you |
|---|---|---|
| Business bank accounts | £100 a month | Business banking; eligibility criteria apply · Monthly fees from £100 |
| Platform banking monthly package | £10,000 a month | Transaction spend is drawn down from the package · Choose a monthly package; £10,000; Save up to 40% |
| Platform banking onboarding | £15,000, paid once | Complete onboarding support; stated go-live time is 6–8 weeks · One-off fee, from £15,000 |
| Platform banking Enterprise | Priced on request | Custom monthly package; contact Griffin · Enterprise Custom |
The facts
Each one read from Griffin's own pages, with the date it was checked.
What it does
- API limits
- Each organization may make up to 50 concurrent in-flight API requests; exceeding that limit returns HTTP 429.checked 7 Oct 2026
- Business accounts
- Business bank accounts are aimed at fintechs and venture-backed startups and can be managed online or via API.checked 7 Oct 2026
- Core banking
- The company says it operates its own core banking platform and banking license.checked 7 Oct 2026
- 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.checked 7 Oct 2026
- Eligibility
- The eligibility page says applicants generally must be UK-based limited companies by shares with active Companies House status and an active director.checked 7 Oct 2026
- Embedded accounts
- Griffin offers embedded savings and bank accounts, including accounts intended for customer funds and client money.checked 7 Oct 2026
- Integration
- The Griffin API is REST-based, uses JSON, and has a free sandbox for testing without fees or an NDA.checked 7 Oct 2026
- Onboarding
- Verify automates KYC and KYB checks and provides onboarding workflows designed to work with Griffin banking products.checked 7 Oct 2026
- Payments
- Payment features include Faster Payments, instant book transfers between Griffin accounts, payment webhooks, and Confirmation of Payee.checked 7 Oct 2026
- Regulation
- Griffin Bank is authorised by the Prudential Regulation Authority and regulated by the FCA and PRA.checked 7 Oct 2026
- 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.checked 7 Oct 2026
- Support
- Griffin lists [email protected] and a developer Slack community as support and community channels.checked 7 Oct 2026
- Third-party integration
- Griffin partners with tell.money to provide APIs for open banking integrations with regulated third-party providers.checked 7 Oct 2026
- 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.checked 7 Oct 2026
The company
- Founded
- 2017checked 28 Sep 2026
- Headquarters
- London, United Kingdomchecked 28 Sep 2026
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