Access
for everyone

Fiinu is in the pre-application phase of the Bank of England
authorisation process to become a bank.

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Our goal…

…is for customers to be in better financial
    shape after they join us.

  • Fill gaps in the market

    We systematically find and fill gaps in the market by using the latest technology

  • Improve financial inclusion

    Our credit products are designed to improve our customer's credit scores

  • Overdraft extension and protection

    Once authorised, we will launch the world’s first Bank Independent Overdraft®.

  • Outstanding savings rates

    Once authorised, we will offer competitive fixed-term, FSCS protected savings accounts

Intended impact

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Millions of adults do not have access to an arranged overdraft and changing regulations could cause those many millions of consumers to lose access to any unarranged overdraft facility currently offered by their primary bank, meaning their payments will begin to be rejected, leading to failed payments.


Fiinu will change the overdraft landscape by offering an unbundled overdraft solution, allowing anyone with a Fiinu overdraft to connect it to their primary bank account via Open Banking and benefit from an arranged overdraft facility without ever having to switch bank accounts.


Having an overdraft with Fiinu also increases credit scores and ensures consumers aren’t forced to use alternative high-cost short-term credit which has a damaging effect on their credit file.