Fintech App Development

Fintech Apps That Pass FCA Scrutiny

We build UK fintech products with the regulatory and security posture investors and the FCA expect — Open Banking, KYC/AML, PSD2-compliant payment flows, and audit-ready logging from day one.

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What We Build

Fintech Capabilities, Production-Ready

The fintech-specific features we ship most often. Each one battle-tested in apps now serving real UK customers.

Open Banking Integration

Account information and payment initiation via TrueLayer, Plaid, or Tink. Account aggregation, transaction enrichment, and balance lookups.

KYC & AML Onboarding

Onfido, Veriff, or Sumsub integrations for ID verification, liveness checks, sanctions screening, and PEP lists. Auto-decision flows with manual review escalation.

Payments & Cards

Stripe Connect for marketplaces, payout splits, and subscription billing. Direct Debit via GoCardless. Card-issuing via Marqeta or Stripe Issuing for embedded finance.

FCA-Aware Architecture

Audit-ready logs, immutable transaction records, role-based access, encryption at rest and in transit, secrets management, and the documentation your compliance team needs for an FCA application.

Multi-Currency & FX

Wise, Currencycloud, and Revolut Business APIs for cross-border transfers, multi-currency wallets, and live FX rates. GBP-first with EUR/USD on day two.

Real-Time Notifications

Webhook-driven payment status, fraud alerts, and statement-ready transactions pushed to mobile via FCM/APNs — not 5-minute polling. The bar fintech users expect.

Regulatory Notes

What UK Fintech Builds Actually Need

We are not your legal team, but we have shipped enough fintech to know what investors and the FCA will ask. We build with these in mind.

Where the FCA Sits in Your Build

Most fintech apps need either an FCA permission, an EMD/PI agent relationship with a regulated partner, or careful structuring to avoid regulated activity entirely. We design your architecture so a future FCA application is feasible — not a rebuild.

PSD2 & Strong Customer Authentication

Any payment flow over £25 (or third-party-initiated) requires SCA. We implement two-factor exemptions correctly (low-value, trusted beneficiary, recurring) and document the flow for your acquirer.

Data & Audit Posture

Immutable transaction logs, idempotent payment endpoints, encryption at rest and in transit, and structured audit trails. Investor due diligence will probe these — we make sure the answers are short and confident.

Pricing

What This Costs

Three rough tiers. Every quote is fixed-price after a free scoping call. All include design, development, testing, deployment and source code handover.

Fintech MVP

From £12,000

A focused fintech MVP — one core flow, fully integrated. 4-6 weeks delivery.

  • Onboarding + KYC
  • 1 payment integration
  • Audit-ready logging
  • Basic admin dashboard
  • Production deploy
  • 30 days post-launch support
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Fintech Platform

From £25,000

Multi-feature fintech: payments, KYC, transactions, statements, multi-tenant. 8-12 weeks delivery.

  • Open Banking + payments
  • Full KYC + AML
  • Multi-tenant architecture
  • Webhook event system
  • Admin + reporting dashboard
  • Stripe / TrueLayer integration
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FCA-Ready Build

From £45,000

Complete fintech product designed for an FCA application. 12-20 weeks delivery.

  • Everything in Platform
  • Audit-ready architecture
  • Compliance documentation
  • Penetration test prep
  • Disaster recovery plan
  • Operational resilience controls
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FAQ

Frequently Asked Questions

It depends on what your app does. Pure information services (e.g. account aggregation read-only) often need an FCA registration but not full authorisation. Holding client money or initiating payments usually requires authorisation or an agency arrangement with a principal firm. We help you structure the architecture so whichever path you choose, the technical design is consistent.
Yes. We routinely integrate with TrueLayer, Plaid, Tink, and Yapily. We pick based on coverage (which UK banks each supports), pricing model, and the specific endpoints you need (AIS, PIS, VRPs).
We integrate with established providers (Onfido, Veriff, Sumsub, ComplyAdvantage). Out of the box you get document verification, liveness check, sanctions screening, and PEP lists. We design the manual review queue UI so your compliance officer can work efficiently.
For early-stage fintech we typically wire in Stripe Radar (if using Stripe), Sift, or build a rules engine on top of your transaction stream. Real-time fraud rules, velocity checks, and sanctioned-recipient blocking. We instrument the rules so your ops team can iterate without engineering changes.
Yes. UK GDPR and the Data Protection Act 2018 are baseline. We implement minimum necessary collection, lawful basis tracking, data subject access endpoints, and audit-ready deletion flows. EU data residency is available via AWS Frankfurt or Azure UK South.
Fintech MVPs start from £12,000 (4-6 weeks). Multi-feature platforms run £25,000-£45,000 (8-12 weeks). FCA-ready builds with full compliance documentation typically £45,000+ (12-20 weeks). Every project is fixed-price after a free scoping call.
Building a Fintech?

Ship Your Fintech
Without the Regret

Tell us about your fintech and we’ll come back within 24 hours with a clear scope, fixed price, and architecture sketch — including which regulatory considerations matter for your specific build.

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