Fintech app development UK.
Secure. Compliant. Built to scale.
Mantar Tech builds fintech software for UK startups and businesses — open banking integrations, payment platforms, financial dashboards and FCA-aware architecture. Fixed price. Full code ownership. Free consultation.
Fintech software we deliver.
Open Banking Integration
Account data aggregation, balance checks, transaction history and payment initiation via TrueLayer, Plaid and direct AISP/PISP APIs. PSD2-compliant.
Payment Platforms
Custom payment flows integrating Stripe, GoCardless, Worldpay or open banking payment initiation. Card payments, BACS, direct debit, SEPA — whatever your model needs.
Financial Dashboards
Real-time financial reporting, cash flow visualisation, expense categorisation, budget tracking and KPI dashboards for businesses and their clients.
Lending & Credit Platforms
Loan origination, credit assessment workflows, repayment scheduling and collections management systems. Designed to support FCA lending permission requirements.
Expense Management
Corporate expense platforms, receipt OCR, approval workflows, accounting integrations (Xero, QuickBooks) and spend analytics dashboards.
Compliance Tooling
KYC/AML workflow integrations (Onfido, Jumio, Sumsub), transaction monitoring, suspicious activity reporting and audit trail infrastructure.
Security in every fintech project.
End-to-End Encryption
All financial data encrypted in transit (TLS 1.3) and at rest (AES-256). No plain-text storage of sensitive data. Key management best practices applied throughout.
Immutable Audit Trails
Every transaction, decision and data access is logged immutably. Essential for FCA compliance, financial fraud investigation and regulatory reporting.
Zero Trust Architecture
Strict API authentication, short-lived tokens, rate limiting, IP allowlisting for sensitive operations and anomaly-based alerting on all financial endpoints.
Fintech development pricing.
Fintech MVP
£20,000–£40,000
Payment integration, open banking connection, core financial dashboard or compliance workflow. 12–16 weeks to launch.
Full Fintech Platform
£40,000–£100,000
Multi-feature platform with KYC/AML, data aggregation, analytics, multi-role access and regulatory reporting. 5–9 months.
Enterprise Fintech
£100,000+
Bank-grade infrastructure, SOC 2, ISO 27001 alignment, core banking integration, high-volume transaction processing. Scoped after discovery.
Fintech development questions.
How much does fintech app development cost in the UK?
A fintech MVP costs £20,000–£40,000. A full fintech platform costs £40,000–£100,000. Enterprise fintech from £100,000. All fixed-price after free scoping.
Do you build open banking integrations?
Yes. We integrate TrueLayer, Plaid and direct AISP/PISP APIs. Account aggregation, balance checks, transaction data and payment initiation all supported.
Are you FCA authorised?
We are not FCA-authorised. We build software — the regulatory authorisation is your responsibility. We build with FCA requirements in mind and can advise on architecture that supports compliance.
Can you build KYC/AML verification into the product?
Yes. We integrate Onfido, Jumio and Sumsub for document verification, facial recognition and ongoing transaction monitoring. KYC flows are a standard part of fintech builds.
How long does fintech development take?
A fintech MVP takes 12–16 weeks. Full platforms take 5–9 months due to security reviews, compliance architecture and third-party API certification timelines.
Do I own the code after the project?
Yes. 100% of source code, infrastructure configuration and documentation is yours. Repository access from day one. No lock-in to Mantar Tech or any platform we use.
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