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Flybits vs Griffin

Flybits logo

Flybits

APIs

Contextual personalisation and decisioning platform for financial institutions

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: Flybits its output quality depends entirely on the completeness and accuracy of the underlying bank data it is fed, so a bank with fragmented or poor-quality customer data gets correspondingly weak personalisation.; 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: Flybits covers Contextual decisioning engine, 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 Flybits and Griffin actually diverge.

Attributes where Flybits and Griffin differ
AttributeFlybitsGriffin
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 Flybits

  • Contextual decisioning engine
  • Non-technical configuration
  • Agentic Banking capability
  • Customer data unification
  • Card-linked offers
  • Real-time insight delivery

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.

Flybits

  • A bank wanting to move from generic segment-based marketing to individually contextual offers and messagesnot Griffin
  • A product team wanting to configure personalisation rules without needing engineering support for every changenot Griffin
  • A bank wanting card-linked contextual offers tied to transaction datanot Griffin
  • A financial institution exploring an agentic AI interaction layer across cards, loans and depositsnot Griffin

Griffin

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

Where each one falls short

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

Flybits

  • Its output quality depends entirely on the completeness and accuracy of the underlying bank data it is fed, so a bank with fragmented or poor-quality customer data gets correspondingly weak personalisation.
  • The newer Agentic Banking capability is recent enough that long-term reliability, accuracy and customer trust data at scale are still limited compared with its longer-established contextual decisioning engine.
  • Pricing is not published, requiring a licensing negotiation per institution.
  • As with Meniga, it is a white-label layer rather than a consumer-facing brand, making independent reputation and reliability harder for a prospective bank client to verify directly.
  • Expanding from a rules-based personalisation engine into agentic AI interaction is a significant scope and complexity increase, and a bank evaluating it today should confirm which capabilities are mature and in production versus newly launched.

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

Flybits

On request
  • Flybits$undefined/year
    • Pricing not published, licensed per financial institution deployment

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 Flybits if

  • You need contextual decisioning engine.
  • You work on Web, iOS, Android.
  • You also want non-technical configuration.
Flybits 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 Flybits or Griffin better?
Neither clearly leads. Flybits 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, Flybits or Griffin?
Flybits starts at On request and Griffin at £100/month.
Does Flybits or Griffin run on more platforms?
Flybits runs on Web, iOS, Android. Griffin runs on Web, REST API.
What is Flybits best used for?
Flybits is most often used for a bank wanting to move from generic segment-based marketing to individually contextual offers and messages, a product team wanting to configure personalisation rules without needing engineering support for every change, a bank wanting card-linked contextual offers tied to transaction data, a financial institution exploring an agentic ai interaction layer across cards, loans and deposits. Of those, a bank wanting to move from generic segment-based marketing to individually contextual offers and messages and a product team wanting to configure personalisation rules without needing engineering support for every change are not what Griffin is typically brought in for.
What can Flybits do that Griffin cannot?
Flybits covers Contextual decisioning engine, Non-technical configuration, Agentic Banking capability, Customer data unification. Griffin covers Bank accounts by API, UK payment rails, Integrated ledger, Automated onboarding.

Answered from the vendors’ own pages

Flybits: Does Flybits require engineering support to run campaigns?

No, it is designed so marketing and product teams can configure personalisation rules directly.

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.

Flybits: What is Agentic Banking?

A newer Flybits capability introducing AI agents as an interaction layer unifying cards, loans and deposits into conversational banking experiences.

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.

Flybits: Is pricing published?

No, it is licensed per financial institution and requires a quote.

Griffin: Does it cover Europe?

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

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