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APIs · head to head

Griffin vs Yodlee

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
Yodlee logo

Yodlee

APIs

Long-running financial data aggregation with deep transaction history

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.; Yodlee ownership has changed twice in two years, from Envestnet to Bain Capital control and then to STG in 2025, so the roadmap is now set by a financial sponsor and long term product direction is harder to rely on than it was.
  • They diverge on capability: Griffin covers Bank accounts by API, Yodlee covers Account aggregation.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Griffin and Yodlee actually diverge.

Attributes where Griffin and Yodlee differ
AttributeGriffinYodlee
Starting price£100/monthOn request
Pricing modelPer month with usage drawdownquote
PlatformsWeb, REST APIAPI, Web

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 Yodlee

  • Account aggregation
  • Long transaction history
  • Investment and holdings data
  • Account verification
  • Transaction enrichment
  • Cash flow analytics
  • Document retrieval
  • International coverage

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

Yodlee

  • A wealth platform that needs held-away brokerage holdings as well as bank balances to show a client their complete positionnot Griffin
  • A lender doing cash flow underwriting that needs several years of transaction history rather than the ninety days newer aggregators returnnot Griffin
  • A financial institution needing statement and tax document retrieval alongside transaction datanot Griffin
  • A firm operating in several countries that wants one aggregator rather than a US provider plus a European onenot 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.

Yodlee

  • Ownership has changed twice in two years, from Envestnet to Bain Capital control and then to STG in 2025, so the roadmap is now set by a financial sponsor and long term product direction is harder to rely on than it was.
  • Parts of the connection estate still depend on credential based access, which banks and regulators are phasing out in favour of FDX APIs, so coverage will shift as institutions withdraw the older method and the migration is not under your control.
  • The platform predates modern API design and developers consistently find the integration heavier and the data model more idiosyncratic than newer aggregators, which lengthens build time.
  • Pricing is enterprise shaped with annual commitments and nothing published, so small and mid sized buyers have no anchor and cannot start without a sales cycle.
  • Investment data, document retrieval and analytics are licensed on top of core aggregation, so the capabilities that justify choosing Yodlee over a cheaper rival are the ones that raise the price above it.

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

Yodlee

On request
  • Yodlee Data Platform$undefined/year
    • Priced by connected users, refresh frequency and data types
    • Investment and document retrieval licensed separately from core aggregation
    • Enterprise agreements with annual commitments

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 Yodlee if

  • You need account aggregation.
  • You work on API, Web.
  • You also want long transaction history.
Yodlee review

Questions people ask

Is Griffin or Yodlee better?
Neither clearly leads. Griffin starts at £100/month and Yodlee at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Griffin or Yodlee?
Griffin starts at £100/month and Yodlee at On request.
Does Griffin or Yodlee run on more platforms?
Griffin runs on Web, REST API. Yodlee runs on API, Web.
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 Yodlee is typically brought in for.
What can Griffin do that Yodlee cannot?
Griffin covers Bank accounts by API, UK payment rails, Integrated ledger, Automated onboarding. Yodlee covers Account aggregation, Long transaction history, Investment and holdings data, Account verification.

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.

Yodlee: Who owns Yodlee now?

Private equity firm STG, which acquired it from Envestnet in a deal closing in 2025. Envestnet, itself taken private by Bain Capital and Reverence Capital in 2024, retained access through a partnership.

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.

Yodlee: Why choose Yodlee over Plaid?

Longer transaction history, deeper investment and held-away account coverage, and document retrieval. Those are wealth management and underwriting requirements rather than consumer fintech ones.

Griffin: Does it cover Europe?

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

Yodlee: Does it still use screen scraping?

Parts of the estate rely on credential based connections, which the industry is phasing out in favour of regulated APIs. Ask for direct API coverage by institution before signing.

Yodlee: Is pricing published?

No. It is quoted by connected users, refresh frequency and data types, with investment data and document retrieval priced separately.

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