Banking and Fintech Industry Hub UK
People trust a bank with their money long before they trust its app. Most fintech marketing sells features while the customer is asking one question: is my money safe?
For people who run a banking and fintech business. Who sets the rules, what Whito research found, and what it takes to be found and trusted by customers.
The biggest opportunity
Answer “is my money safe?” first
Why this matters
Customers judge a new bank or money app on trust before features. Regulation, protection and fees in plain words, on the first page they see, turn caution into sign-ups.
What to focus on
- Show your FCA reference number in text
- Explain FSCS protection, or why it does not apply
- Publish every fee on one page
See the Market Opportunity Report for your sector · free Visibility Check
Latest from Whito on banking and fintech
Stolen With Pride lessons for banking and fintech businesses
What changed in banking and fintech
Rule and regulator changes, newest first. Each one read on the official source page.
- 18 Nov 2025The PRA confirmed the FSCS deposit protection limit would rise from £85,000 to £120,000 per person, per bank, from 1 December 2025. Source: Bank of England
- 11 Mar 2025The government announced the Payment Systems Regulator will be abolished and its work mainly moved into the FCA. No immediate change to its work was announced. Source: GOV.UK
Checked by Whito on 3 November 2026. A summary, not legal advice. Read the source before acting.
Who sets the rules in banking and fintech
The regulators, registers and bodies a banking and fintech business deals with. Each link goes to the official site.
- Financial Conduct Authority (FCA)The UK regulator for financial firms and markets, including the rules on advertising financial products.
- Prudential Regulation Authority (PRA)Part of the Bank of England. Oversees banks, building societies, credit unions and insurers.
- Financial Services Compensation Scheme (FSCS)Protects bank, building society and credit union deposits up to £120,000 per eligible person if a firm fails.
- Financial Ombudsman ServiceA free service set up by Parliament to settle complaints between customers and financial businesses.
- Payment Systems Regulator (PSR)Regulates UK payment systems. The government plans to move its work into the FCA.
Links and descriptions checked by Whito on 3 November 2026. This is a starting list, not legal advice. If something here is out of date, tell us through the contact page.
Get banking and fintech updates by email
New Whito research, rule changes and useful guides for banking and fintech businesses. Free. Unsubscribe any time.
You join Whito Insights. We note that you signed up on the banking and fintech hub so we can send you banking and fintech news first. See our privacy policy.
The business’s own website was cited in 143 of the 159 Google AI Mode answers Whito logged on 22 August 2026, 90%, and Google reviews or Business Profiles in 128, 81%, while Trustpilot appeared in just 2 answers and no news outlet in any.
Source: Whito, whito.co.uk/research/ai-citation-sources-uk-local-business, August 2026. Free to quote with a link to that page.
The right order for banks and fintechs
Do the stages in order. Nothing in Build works while Start is missing.
Start, Build, Scale for banks and fintechs: the free foundations first, then systems and proof, then measurement. The three stages are listed in full in this figure.
Start
- FCA authorisation and reference number in text
- Whether money is protected, said plainly
- One clear thing you do better
Build
- Every fee on one page
- Plain-English help pages
- Reviews from real customers
Scale
- A referral scheme with clear terms
- Track sign-ups by source
- Content that answers real money questions
Three things that cost you visibility
Regulation hidden in the footer
Your FCA number and whether money is protected are the first things a careful customer checks. Put them in plain text where people decide, not in small print.
Fees nobody can find
The Wise breakdown below shows what publishing the price did. If you are cheaper, prove it on one page.
Sounding like every other bank
Monzo and Nationwide grew by picking a voice and a real point of difference and keeping it. Features get copied. Trust and tone take years to match.
What we know, and what we have not measured yet
Whito has not yet run a study on UK banks and fintechs. The figures above come from Whito’s cross-industry research on how AI search chooses UK businesses.
What this hub has today is the Stolen With Pride breakdowns of UK banks and money brands, listed below.
Looking for a business bank account rather than running a bank? See Whito’s business banking guides.
Two free things from us
Run the free Whito Visibility Check on your website. Seventeen checks, scored out of 100, every result shown on the page, no email needed: Check your site free
Or get your business listed in our directory, free and checked against Companies House: List your business on Whito
Whito is not a financial adviser and this page is marketing guidance, not financial, legal or regulatory advice.
Stolen With Pride: lessons for banking and fintech businesses
3 breakdowns of how well-known UK brands did their marketing, picked because the lesson works for banking and fintech businesses. Steal the idea, not the budget.
Part of Stolen With Pride, all 32 UK marketing breakdowns in one place.
FCA, PRA and FSCS
Advertising a financial product is regulated in its own right. Check the FCA’s financial promotion rules before any campaign, including social media posts.