Griffin

Griffin is a licensed UK bank offering embedded bank accounts, payments and onboarding through an API, alongside business bank accounts for a company's own operational funds, trusted by more than 50 companies.

Publishing pricing at all is remarkable in banking-as-a-service, where the standard practice is a sales conversation and a bespoke schedule. Griffin advertises a one-off onboarding fee of 15,000 pounds and monthly packages selected by minimum spend, with discounts unlocked as spend rises, and a starting package at 100 pounds. A prospective buyer can therefore establish whether the category is affordable before entering a process.

The onboarding fee being stated separately is more useful than it looks, because it names a cost most entrants do not anticipate. Launching a banking programme involves substantial due diligence, integration and regulatory work before a single customer exists, and vendors that fold that into an opaque contract leave founders budgeting only for the running cost.

Offering business bank accounts alongside the embedded platform is a coherent pairing, since a fintech embedding banking also needs somewhere to hold its own operational money, and using the same regulated institution simplifies both reconciliation and the regulatory picture. Griffin describes itself as building regulated infrastructure that is safe, compliant and secure, with a free trial available before commitment.