Griffin

What Griffin 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 include options for 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 designed 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 APIs for regulated third-party providers. Griffin Bank is authorised by the Prudential Regulation Authority and regulated by the FCA and PRA. Griffin states that data is encrypted at rest and in transit, with system access monitored and restricted by least privilege. Business bank accounts start at £100 per month; platform banking has a £10,000 monthly package and onboarding from £15,000 one-off. Eligibility criteria apply.

Who it suits

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

Limits

Business bank accounts start at £100/mo and eligibility criteria apply. Platform banking monthly packages start at £10,000 per month, with transaction spend drawn from the package; onboarding starts at £15,000 one-off, with a stated go-live time of 6–8 weeks. Organizations may make up to 50 concurrent in-flight API requests; exceeding the limit returns HTTP 429.

Getting started

1. Visit griffin.com.
2. Check whether your company meets the stated eligibility criteria.
3. Choose business bank accounts or a platform banking option.
4. Use the REST API documentation and free sandbox to explore an integration.
5. Contact Griffin about enterprise custom packages or onboarding support.

Verdict

Griffin offers account, payment, and onboarding infrastructure through APIs, with a free sandbox for testing. Its stated eligibility criteria and listed fees are important considerations for prospective applicants.