Agency Banking

Banking for what you’re building

We provide access to Faster Payments and Bacs without the complexity of direct scheme participation. Financial institutions can launch and scale payment services under their own brand while benefiting from safeguarded funds and real-time payment capabilities.
A security-first approach

Unlike other businesses, we don't loan, lend or leverage your funds.

Access to all UK domestic payment networks

Leverage our connectivity to Faster Payments, Bacs & CHAPS.

Easy API integration

Embed banking services directly into your platform with our purpose-built API.

Multi-level virtual account hierarchies

Flexible and scalable solutions to streamline your payment processes, without the need of numerous physical accounts.

24/7 access to accounts & transactions

Manage daily operations whilst keeping your business and client funds separate.

API Sandbox & extensive resource library

No pay walls or NDAs - Test and simulate accounts, payments, and more.

We’re a next-generation bank built on cloud native technology, so you can connect to us directly through our API. Revolutionising integration with banking services and getting you to market in days, not months.
We serve
Banks & Financial Institutions

Pricing

UK Large Business
from
£500
p/m
  • UK domiciled business
  • Turnover greater than £2m and more than 10 employees
  • Registered and current with companies house
UK Small Business
from
£250
p/m
  • UK domiciled business
  • Turnover less than £2m and less than 10 employees
  • Registered and current with companies house
Non-UK Business
from
£250
p/m
  • Non-UK domiciled business
  • A minimum turnover of €1.75m
  • Unregulated business
UK/Non-UK Regulated Institutions

Fees depend on transaction profiles, markets served, account structures, and/or your specific requirements.

Developer Studio

Build in minutes. Launch in weeks.
Developer StudioDeveloper Studio
Our cloud-native banking API transforms integration, enabling you to connect directly, launch financial products faster, and bring innovation to market in days - not months.

Powerfully simple.

The easy way to embed and offer compliant financial products. Integrate regulated banking products into your own branded proposition, without the need to become a bank.

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Our Products
Competitive interest rates and safer banking through a robust financial infrastructure, giving you the foundations to better serve the ambitions of your business. Fast, secure and flexible.

Virtual accounts are sub-accounts to a physical bank account (the Header Account), maintained in the Bank’s ledger.

Designed for clients to hold funds on behalf of and for the benefit of its customers under trust arrangements.

Designed to segregate your customer funds from your operational funds.

Built for CASS-regulated firms, these accounts help you meet requirements to keep client money separate from operational funds under FCA CASS 7 rules and MiFID.

Ensure compliance with CASS, SRA, and CMP regulation through a pooled account, with the option to utilise vIBAN’s per customer for enhanced reconciliation.

Eligible deposits covered by FSCS protection.

Ensure compliance with FCA Safeguarding requirements through a pooled account, with the option to utilise vIBAN’s per customer for enhanced reconciliation.

Earn competitive interest rates, FSCS-protected, while all deposits are held securely at the Bank of England.

Keep your business moving with 24/7 access to funds for everyday needs

Connect via

Online banking portal

Access to our products, services and payments capabilities with zero code or integration.

Login now
Client API & Sandbox

Integrate directly into our technology stack to deliver a secure and scalable solution to your customers.

Learn more

Payments

Real-time access to payment infrastructure and interbank networks though API or Online Banking

faster payments
Send and receive up to £1m per transaction in near real-time 24/7/365, supporting immediate, standing-order and future-data payments.
See API documentation
Bacs
Process Direct Debit and Direct Credit payments up to £20m via Bacs, with funds settling on a 3-working-day cycle (Monday to Friday).
See API documentation
CHAPS
Send and receive unlimited value transactions in near real-time with same-working day settlement.
See API documentation
Payments, Clearing and Settlement
Trusted by 5000+ clients
Our Other Solutions

Payments, Clearing & Settlement

Safe, fast, transformative payments with access to all UK clearing systems and payment schemes.

Commercial & Corporate Banking

Friction-free, service-focused and always secure to give business exactly what they need.

Embedded Banking

Embed banking services directly into your platform with our purpose-built API.

Peace of mind with FSCS protection
The Financial Services Compensation Scheme (FSCS) is the United Kingdom’s independent deposit guarantee scheme, and it protects eligible deposits with authorised banks, like ours.
Want to know more?
Get in touch to learn how we can help you build your ambition.
Learn more