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APIs · head to head

Griffin vs Sensedia

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
Sensedia logo

Sensedia

APIs

Full lifecycle API management and integration platform

From
$1000/monthly
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: 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.; Sensedia specific pricing is not disclosed; enterprise custom pricing model requires direct contact with Sensedia.
  • They diverge on capability: Griffin covers Bank accounts by API, Sensedia covers API Gateway.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Griffin and Sensedia actually diverge.

Attributes where Griffin and Sensedia differ
AttributeGriffinSensedia
Starting price£100/month$1000/monthly
Pricing modelPer month with usage drawdownsubscription
PlatformsWeb, REST APICloud, On-premise, Hybrid
FoundedUnknown2007

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 Griffin

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

Only in Sensedia

  • API Gateway
  • Integration Platform
  • Real-time Analytics
  • SAP
  • Salesforce
  • AWS
  • Azure
  • Cloud support

What people use each for

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

Griffin

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

Sensedia

  • API Developmentnot Griffin
  • API Gatewaynot Griffin
  • API Testingnot Griffin
  • API Documentationnot Griffin
  • Microservicesnot Griffin

Where each one falls short

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

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.

Sensedia

  • Specific pricing is not disclosed; enterprise custom pricing model requires direct contact with Sensedia.

Pricing, plan by plan

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

Sensedia

$1000/monthly
  • Starter$1000/monthly
    • API Gateway
    • Basic monitoring
    • Standard support
  • Professional$3000/monthly
    • Advanced analytics
    • Integration flows
    • Priority support
  • Enterprise$undefined/monthly
    • Custom deployment
    • Open banking modules
    • Dedicated support

Which should you pick?

Choose Griffin if

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

Choose Sensedia if

  • You need api gateway.
  • You work on Cloud, On-premise, Hybrid.
  • You also want integration platform.
Sensedia review

Questions people ask

Is Griffin or Sensedia better?
Neither clearly leads. Griffin starts at £100/month and Sensedia at $1000/monthly, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Griffin or Sensedia?
Griffin starts at £100/month and Sensedia at $1000/monthly.
Does Griffin or Sensedia run on more platforms?
Griffin runs on Web, REST API. Sensedia runs on Cloud, On-premise, Hybrid.
What is Griffin best used for?
Griffin is most often used for a wealth platform that must hold client money in a licensed bank rather than an emi safeguarding account, a lender wanting uk accounts and payment rails without becoming a bank itself, a fintech burned by sponsor bank instability that wants the deposit holder and the api provider to be the same entity, a platform needing sub-account ledgering for pooled client funds with a clean audit trail. Of those, a wealth platform that must hold client money in a licensed bank rather than an emi safeguarding account and a lender wanting uk accounts and payment rails without becoming a bank itself are not what Sensedia is typically brought in for.
What can Griffin do that Sensedia cannot?
Griffin covers Bank accounts by API, UK payment rails, Integrated ledger, Automated onboarding. Sensedia covers API Gateway, Integration Platform, Real-time Analytics, SAP.

Answered from the vendors’ own pages

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.

Sensedia: How much does Sensedia cost?

Sensedia does not publish pricing on their website. The company offers custom pricing and supports 3 levels of support tailored to different business needs and complexity. Customers must contact Sensedia directly or schedule a demo to receive pricing.

Source
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.

Sensedia: Does Sensedia offer a free trial?

Sensedia offers a free trial for API Management. Interested customers can request a trial through the Contact us or free trial links on their website.

Source
Griffin: Does it cover Europe?

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

Sensedia: What support levels does Sensedia provide?

Sensedia offers 3 levels of support tailored to business needs and complexity. Specific features and pricing for each support tier are available by contacting Sensedia directly.

Source
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