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APIs · head to head

Griffin vs Weavr

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
Weavr logo

Weavr

APIs

Packaged embedded finance for B2B SaaS, with an in-house EU e-money licence

From
On request
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.; Weavr products are packaged rather than open, so a flow Weavr does not support is not something you can build around, and you discover the limits after integrating.
  • They diverge on capability: Griffin covers Bank accounts by API, Weavr covers Plug-and-play products.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Griffin and Weavr actually diverge.

Attributes where Griffin and Weavr differ
AttributeGriffinWeavr
Starting price£100/monthOn request
Pricing modelPer month with usage drawdownquote

Identical on both: free tier (No), platforms (Web, REST API), 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 Weavr

  • Plug-and-play products
  • Regulated cover
  • Card issuing
  • Multi-currency accounts
  • Identity and onboarding
  • Data insights

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 Weavr
  • A lender wanting UK accounts and payment rails without becoming a bank itselfnot Weavr
  • A fintech burned by sponsor bank instability that wants the deposit holder and the API provider to be the same entitynot Weavr
  • A platform needing sub-account ledgering for pooled client funds with a clean audit trailnot Weavr

Weavr

  • A project management SaaS adding expense cards without hiring a compliance officernot Griffin
  • A marketplace paying out sellers from accounts held inside its own productnot Griffin
  • A procurement platform issuing virtual cards against approved purchase ordersnot Griffin
  • A European SaaS vendor wanting a regulated entity to sit behind its financial featuresnot 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.

Weavr

  • Products are packaged rather than open, so a flow Weavr does not support is not something you can build around, and you discover the limits after integrating.
  • Programme economics depend on interchange, and SaaS vendors routinely overestimate how much card volume their customers will actually route through the embedded product.
  • It is a small company with limited headcount supporting a regulated dependency, which is a real concentration risk for a feature your customers rely on.
  • Monthly minimums on card programmes mean a slow-adopting customer base leaves you paying for volume you never reach.
  • European interchange caps hold programme revenue well below what US embedded finance case studies suggest, so imported business cases do not transfer.

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

Weavr

On request
  • Weavr embedded finance$undefined/year
    • Platform subscription plus per-account and per-card fees
    • Interchange share negotiated as part of the commercial terms
    • Monthly minimums apply to card programmes

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 Weavr if

  • You need plug-and-play products.
  • You work on Web, REST API.
  • You also want regulated cover.
Weavr review

Questions people ask

Is Griffin or Weavr better?
Neither clearly leads. Griffin starts at £100/month and Weavr at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Griffin or Weavr?
Griffin starts at £100/month and Weavr at On request.
Does Griffin or Weavr run on more platforms?
Both run on Web, REST API, so platform support will not decide this one for you.
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 Weavr is typically brought in for.
What can Griffin do that Weavr cannot?
Griffin covers Bank accounts by API, UK payment rails, Integrated ledger, Automated onboarding. Weavr covers Plug-and-play products, Regulated cover, Card issuing, Multi-currency accounts.

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.

Weavr: Do I need my own financial licence?

No. Weavr holds an e-money licence, including a Maltese authorisation for the EU, and acts as the regulated entity for the embedded product.

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.

Weavr: How is it different from a banking-as-a-service API?

It sells finished product shapes with compliance built in rather than raw banking primitives, which trades flexibility for a much shorter route to launch.

Griffin: Does it cover Europe?

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

Weavr: How does Weavr make money?

Platform fees plus per-account and per-card charges, with a negotiated share of card interchange.

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