8 Embedded Finance Companies in the UK to Watch

Embedded finance companies in the UK are revolutionising the way we interact with our finances every day. For consumers, it’s about convenience: embedded finance companies offer streamlined services on trusted platforms they already know and love. For brands, it’s a groundbreaking way to scale growth faster than ever before.

What is embedded finance?

Embedded finance is the integration of financial services—such as payments, lending, insurance, and banking—directly into non-financial platforms and experiences. This means that users can access financial products seamlessly while shopping, booking rides, or managing business finances, without having to leave the platform or use a separate banking app.

Embedded finance can include:

• E-commerce platforms offering buy-now-pay-later (BNPL) at checkout
• Phone, travel, and car rental companies offering insurance at point of sale
• Food delivery apps (like Uber or Deliveroo) providing instant payouts for gig workers
• Digital wallets and payments being embedded in social media apps, ride-share platforms, instant messaging services, and other virtual experiences

These embedded finance companies in the UK are creating a shift in how we access essential financial services and solutions, providing embedded digital-first experiences that are all about convenience and accessibility.

8 Embedded Finance Companies in the UK to Watch

Check out some of the UK's key embedded finance companies to keep an eye on!

1. Clear Bank

With their tailored embedded banking products, Clear Bank allows companies to offer customers FSCS-protected accounts under Clear Bank’s banking license. This means brands can offer these core financial services without the headache and costs of becoming a bank themselves.

At a glance:

• FSCS-protected accounts (protected up to £85,000)
• Operate under Clear Bank’s banking license (no need for your own)
• All regulatory and compliance requirements handled while you lead customer experience and marketing

2. OpenPayd

As a global financial infrastructure provider, OpenPayd offers digital-first accounts, payments and trading solutions to any business, anywhere. With an ultimate mission to create a world where money can be securely moved across the globe instantly, they are already processing over $130 billion annually for enterprise level businesses through their rails-agnostic infrastructure.

At a glance:

• Accounts, wallets, FX and stablecoins trading, international/domestic payments, and Open Banking services
• Global presence
• 800+ clients and 5M+ connected accounts

3. Klarna

A juggernaut of the BNPL movement, Klarna was established in 2005 in Sweden (originally under the name Kreditor) and reached a $1B valuation in 2012. Their services now include payment options embedded right in the checkout process for some of today’s top brands, as well as the Klarna app and credit card.

At a glance:

• Flexible payment and financing options embedded at checkout
• Available in 26 countries
• 3M transactions per day

4. Liberis

Liberis provides embedded small business lending that integrates into any platform, allowing brands to offer funding solutions as an extension of their product. With £3 billion provided to 50,000 businesses worldwide, Liberis is a leading name in flexible access to business capital.

At a glance:

• Embedded business funding
• Personalised offers of £1k – £1m in a few clicks
• Live in days and can reach customers in 14 countries

5. Froda

Froda’s embedded product allows accounting platforms, e-commerce systems, and business management software to provide SME financing for their customers. Froda manages everything from applications to repayments, origination to reporting—even the credit risk.

At a glance:

• Offers loans and similar SME financing solutions
• Available in Sweden, Denmark, Norway, Finland, Germany, the UK and Ireland, with a license that covers the full European Economic Area
• Suitable for various businesses serving SMEs

6. Seccl

Acquired by Octopus in 2019, Seccl facilitates the building of investment propositions. Seccl is an embedded investment engine allowing companies of all shapes and sizes to launch new investment platforms in record time. With both code-free solutions and developer-friendly API embedding options, they make embedded investing a breeze.

At a glance:

• Embedded investing software and services
• Available in the UK
• No-code options to facilitate quick launches

7. Chubb

Chubb offers a range of insurance options you can embed into existing journeys. Their range of insurance products is broad, including personal contents insurance to business protections. With operations in 54 countries and territories, Chubb is defined by its extensive product offerings and broad distribution capabilities.

At a glance:

• Personal and business insurance
• Available in the UK and beyond
• A range of industry-specific insurance products

8. Eleos Life

When it comes to personal income protection and term life insurance, Eleos Life provides an easy-to-embed, quick-to-launch product that integrates into any platform. It allows brands to explore new revenue streams by offering customers access to customisable policies that come bundled with a wealth of wellness perks—including free mental health counselling and physiotherapy.

At a glance:

• Income protection and term life insurance
• Easy-to-launch product that can be live in a day
• Policies come bundled with wellness perks for added customer value

How these embedded finance companies in the UK are pioneering the future of financial planning

Embedded finance is blurring the lines between financial and non-financial products, allowing companies to offer relevant financial services without heavy implementation processes. These easy-to-integrate solutions enhance the customer experience by providing much-needed services like banking, payment options, lending and even insurance—all without ever having to leave the platform.

It’s a one-click value add that strengthens offerings, diversifies revenues and promotes long-term customer loyalty.