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APIs · head to head

Fintech Farm vs Griffin

Fintech Farm logo

Fintech Farm

APIs

"Neobank in a box" for banks in emerging markets, paid on a performance basis

From
On request
Rated
-
Full reviewWebsite
Griffin logo

Griffin

APIs

UK banking-as-a-service from a company that holds its own full banking licence

From
£100/month
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Fintech Farm the performance-based model means a bank is entering an ongoing revenue-sharing relationship rather than buying a one-time or fixed-fee software licence, which changes long-term cost dynamics as the neobank grows.; Griffin platform banking carries a one-off onboarding fee from 15,000 pounds and a 3,500 pound monthly minimum, which prices out early-stage companies entirely.
  • They diverge on capability: Fintech Farm covers End-to-end neobank stack, Griffin covers Bank accounts by API.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Fintech Farm and Griffin actually diverge.

Attributes where Fintech Farm and Griffin differ
AttributeFintech FarmGriffin
Starting priceOn request£100/month
Pricing modelquotePer month with usage drawdown
PlatformsWeb, iOS, AndroidWeb, REST API

Identical on both: free tier (No), user rating (Not yet rated), category (APIs).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Fintech Farm

  • End-to-end neobank stack
  • Credit scoring engines
  • Debit, credit and BNPL products
  • Investment features
  • Performance-based partnership
  • Emerging market focus

Only in Griffin

  • Bank accounts by API
  • UK payment rails
  • Integrated ledger
  • Automated onboarding
  • Debit cards
  • Interest on balances

What people use each for

The jobs each tool is most often brought in to do.

Fintech Farm

  • A mid-sized regulated bank in an emerging market wanting to launch a neobank without building digital product expertise in housenot Griffin
  • A bank wanting a partner compensated on growth outcomes rather than a fixed software licencenot Griffin
  • An institution needing credit scoring built specifically for thin-file, underbanked emerging market customersnot Griffin
  • A bank expanding into a new emerging market and wanting a proven neobank launch playbook rather than starting from scratchnot Griffin

Griffin

  • A wealth platform that must hold client money in a licensed bank rather than an EMI safeguarding accountnot Fintech Farm
  • A lender wanting UK accounts and payment rails without becoming a bank itselfnot Fintech Farm
  • A fintech burned by sponsor bank instability that wants the deposit holder and the API provider to be the same entitynot Fintech Farm
  • A platform needing sub-account ledgering for pooled client funds with a clean audit trailnot Fintech Farm

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Fintech Farm

  • The performance-based model means a bank is entering an ongoing revenue-sharing relationship rather than buying a one-time or fixed-fee software licence, which changes long-term cost dynamics as the neobank grows.
  • It requires the partner bank to already hold a banking licence and balance sheet, so it is not usable by a company wanting to launch banking services without any existing regulatory status.
  • Focus on emerging markets means less proven track record in developed, heavily regulated markets such as the US or Western Europe.
  • As a smaller, founder-led company relative to Mambu or Temenos, its longevity and ability to support partner banks over a decade-plus relationship carries more vendor-risk uncertainty.
  • Being compensated on customer and revenue growth creates a natural incentive to prioritise growth-driving features over, for example, deep compliance tooling that does not directly move those metrics.

Griffin

  • Platform banking carries a one-off onboarding fee from 15,000 pounds and a 3,500 pound monthly minimum, which prices out early-stage companies entirely.
  • It is UK-only, so a business with European or US operations needs a second banking provider and a second integration for those entities.
  • It is a young bank with a small balance sheet relative to incumbents, and enterprise counterparties still ask hard questions about concentration risk.
  • Holding a banking licence means Griffin applies bank-grade due diligence to its own clients, so onboarding is slower and more selective than an EMI-based provider.
  • Feature breadth is narrower than long-established providers, particularly in card programme management and in payment types beyond core UK rails.

Pricing, plan by plan

Fintech Farm

On request
  • Fintech Farm$undefined/year
    • Performance-based compensation tied to customer numbers and revenue generated
    • No published flat licence fee

Griffin

£100/month
  • Business Banking$100/month
    • From 100 pounds per month
    • Interest or commission from around 1.75 percent AER variable
    • Operational accounts and UK payment rails
  • Platform Banking$3500/month
    • One-off onboarding fee from 15,000 pounds
    • Minimum monthly spend of 3,500 pounds, drawn down by usage
    • Higher committed tiers at 5,000 and 10,000 pounds with discounts
  • Enterprise$undefined/month
    • Custom pricing
    • Bespoke account structures and volumes
    • Negotiated interest or commission share

Which should you pick?

Choose Fintech Farm if

  • You need end-to-end neobank stack.
  • You work on Web, iOS, Android.
  • You also want credit scoring engines.
Fintech Farm review

Choose Griffin if

  • You need bank accounts by api.
  • You work on Web, REST API.
  • You also want uk payment rails.
Griffin review

Questions people ask

Is Fintech Farm or Griffin better?
Neither clearly leads. Fintech Farm starts at On request and Griffin at £100/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Fintech Farm or Griffin?
Fintech Farm starts at On request and Griffin at £100/month.
Does Fintech Farm or Griffin run on more platforms?
Fintech Farm runs on Web, iOS, Android. Griffin runs on Web, REST API.
What is Fintech Farm best used for?
Fintech Farm is most often used for a mid-sized regulated bank in an emerging market wanting to launch a neobank without building digital product expertise in house, a bank wanting a partner compensated on growth outcomes rather than a fixed software licence, an institution needing credit scoring built specifically for thin-file, underbanked emerging market customers, a bank expanding into a new emerging market and wanting a proven neobank launch playbook rather than starting from scratch. Of those, a mid-sized regulated bank in an emerging market wanting to launch a neobank without building digital product expertise in house and a bank wanting a partner compensated on growth outcomes rather than a fixed software licence are not what Griffin is typically brought in for.
What can Fintech Farm do that Griffin cannot?
Fintech Farm covers End-to-end neobank stack, Credit scoring engines, Debit, credit and BNPL products, Investment features. Griffin covers Bank accounts by API, UK payment rails, Integrated ledger, Automated onboarding.

Answered from the vendors’ own pages

Fintech Farm: How is Fintech Farm paid?

On a performance basis, tied to the number of customers and revenue its neobank product generates for the partner bank, rather than a flat licence fee.

Griffin: Is Griffin actually a bank?

Yes. It received a UK banking licence with restrictions in March 2023 and a full licence in March 2024 after exiting mobilisation.

Fintech Farm: Does the bank need its own licence?

Yes, Fintech Farm partners with banks that already hold a banking licence and balance sheet; it does not provide the licence itself.

Griffin: What does it cost?

Business banking from 100 pounds a month; platform banking from a 15,000 pound onboarding fee plus a 3,500 pound monthly minimum drawn down by usage.

Fintech Farm: Which markets does it focus on?

Emerging markets, including operations across regions such as Vietnam, Nigeria and increasingly India.

Griffin: Does it cover Europe?

No. Griffin is a UK bank serving UK accounts and UK payment rails.

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