Griffin

Griffin Bank Ltd is registered in England and Wales under number 10842931 and says it is authorised by the Prudential Regulation Authority and regulated by the FCA and the PRA. It describes itself as the bank rather than middleware: the licence, the core banking platform and the API belong to one company.

Its pages target companies that hold money for other people, such as payment platforms, wealth apps, lenders and proptech firms, and the free-forever sandbox lets a team test before talking to sales.

Accounts shaped by the type of money

Griffin sells different account models for different regulatory duties. Safeguarding accounts target payment and e-money firms, client money accounts target investment and property use cases, and savings accounts let an app pay interest to its users. Each is opened through the API with a set of linked person and beneficiary objects.

The homepage example for a safeguarding account shows a dedicated, non-pooled structure with a UK sort code and Faster Payments activity.

A price you can read before the first call

The pricing page states a one-off platform onboarding fee from £15,000 with a go-live window of 6 to 8 weeks, followed by a monthly package chosen by minimum spend. The three listed packages are £4,000, £6,000 and £10,000, with discounts of up to 10 and 30 percent on the upper two. A larger Enterprise tier is quoted individually.

Interest or commission starts at 1.75 percent, with a note that the 1.76 percent AER is variable and follows the Bank of England base rate.

Documentation and the people behind it

The documentation site shows a dated API version (2026-07-09), release notes, an API status page, message signature guidance and a beta MCP server for AI clients. The founders, David Jarvis and Allen Rohner, come from infrastructure engineering backgrounds at Airbnb, CircleCI and a core banking vendor, according to the company's about page.

Limitations to Consider

Every example on the pages read is in sterling with UK sort codes, so a euro IBAN programme is not described there; Swan or Wallester cover that need. Overdrafts and structured lending are listed as coming, not live. The £15,000 entry fee and a monthly package from £4,000 rule out hobby-sized products, and Griffin gives its own scale as 80 or more companies, so it is a young bank by client count.

Who Should Use Griffin

Fintechs and software platforms serving UK customers that want a licensed bank under their accounts and are comfortable with a published, mid-five-figure first-year cost.