Fiinu
Fiinu is a UK AIM-listed fintech offering Plugin Overdraft® (an Open Banking-enabled overdraft product distributed via banking-licence partners) and Everfex FX brokerage, serving UK consumers without arranged overdrafts and Polish SME importers and exporters.
- Company typePublic
- Founded2022
- HeadquartersWeybridge, United Kingdom
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What Fiinu does
Fiinu Plc is a UK-listed fintech group (LON:BANK) that provides an Open Banking-enabled Banking-as-a-Service platform, anchored by its proprietary Plugin Overdraft® product. Plugin Overdraft® is an unbundled overdraft solution that plugs directly into existing UK current accounts with customer consent, using AI and Open Banking APIs to underwrite credit for the roughly 80% of UK account holders who lack arranged overdraft access without requiring customers to switch banks. Distribution is delivered through banking-licence partnerships with Conister Bank (live in 2025) and Manx Financial Group (planned Q1 2026), leveraging the company's restricted UK banking licence that was secured after a 5.5-year Bank of England authorisation process.
In August 2025, Fiinu completed the reverse takeover of Polish FX brokerage Everfex for an initial £8 million, adding a foreign exchange and currency-hedging business targeting Polish SME importers and exporters operating in a trade corridor of approximately €700 billion annually. The group is structured around three pillars — FX (Everfex), Technology (Open Banking and AI infrastructure), and Banking (Plugin Overdraft® and Banking-as-a-Service APIs for European financial institutions) — with headquarters in Weybridge and operations in Warsaw. The company monetises via transaction fees on FX brokerage, interest and platform/licensing economics on overdraft facilities, and BaaS API/managed-services fees. Fiinu recorded its first-ever unaudited profitable month in November 2025, ended 2025 with approximately £5.34 million of cash, and trades at a market capitalisation near £31.68 million (April 2026).
Fiinu firmographics
Firmographics- Name
- Fiinu
- Legal name
- Fiinu Plc
- Website
- https://fiinu.com
- Company type
- Public
- Founded year
- 2022
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Fiinu is a UK AIM-listed fintech offering Plugin Overdraft® (an Open Banking-enabled overdraft product distributed via banking-licence partners) and Everfex FX brokerage, serving UK consumers without arranged overdrafts and Polish SME importers and exporters.
- Ownership category
- akta.pro rank
Fiinu industry classification
Industry- Product category
- Consumer Banking / Banking-as-a-Service
- NAICS
- Credit Intermediation and Related Activities (522), Activities Related to Credit Intermediation (5223)
- SIC
- Personal Credit Institutions (6141), Loan Brokers (6163)
- akta.pro primary industry
- Credit & Overdraft Enablement (Credit Lines, Underwriting Integrations) (FSAGAAAJ)
- akta.pro secondary industries
- Embedded Lending & Credit (POS, Working Capital, Credit Lines) (FSAGALAD), Alternative Data & Credit Scoring (Cashflow, Telco, Utility, Open Banking) (FSAGAHAC)
Keywords
Where Fiinu is headquartered
LocationHeadquarters
- HQ city
- Weybridge
- HQ country
- United Kingdom
- HQ region
- Europe
Offices3 records
Markets served
Fiinu business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- FX Brokerage (Everfex): Foreign exchange brokerage services for Polish importers and exporters. Everfex is a Poland-based FX brokerage that was acquired via reverse takeover in August 2025 for an initial £8 million. Revenue generated through transaction fees and spreads on currency exchange for SME clients.
- Plugin Overdraft® (Banking-as-a-Service): Open banking-enabled overdraft platform providing credit access to consumers. Revenue generated from interest on overdraft facilities and potentially platform/licensing fees from banking partners. Launched Q1 2026 via partnerships with Manx Financial Group and Conister Bank.
- Banking-as-a-Service / Open Banking Infrastructure: Provides open banking-enabled infrastructure and financial technology services to other financial institutions across Europe. Revenue through licensing, API access fees, and managed services arrangements.
Go-to-market motion1 record
Distribution channels4 records
Marketing channels4 records
Fiinu product offering
Product offeringCore offering
Fiinu provides an Open Banking-enabled Plugin Overdraft® platform that delivers arranged overdraft credit directly into consumers' existing current accounts without requiring them to switch banks, using AI-driven credit risk assessment. The company also operates an FX brokerage (Everfex) serving Polish SME importers/exporters and offers Banking-as-a-Service infrastructure to financial institutions across Europe.
Product overview
Fiinu is a fintech group combining FX, Technology, and Banking services. The core offering is the Plugin Overdraft® platform—an Open Banking-enabled overdraft solution that plugs into existing bank accounts without requiring account switching. This is complemented by the acquired Everfex FX business (currency hedging and foreign exchange services for Polish importers/exporters) and Banking-as-a-Service offerings. All services are powered by Open Banking infrastructure with AI-driven credit risk assessment.
Differentiator
Problem solved
Functional benefit
Brands
- Plugin Overdraft®: Open Banking-enabled overdraft platform leveraging AI and open banking data to provide overdraft access without switching banks. Targets the 80% of UK account holders without arranged overdraft access.
Products and services
- Plugin Overdraft® An Open Banking-enabled overdraft platform that plugs directly into existing current accounts (with customer consent), providing arranged overdraft credit without requiring customers to switch banks. Leverages AI and Open Banking data to reimagine the traditional Probability of Default model for credit assessment. Targets the 80% of UK account holders without arranged overdraft access, with potential reach across 100 million UK accounts and 450 million EU consumers across 27 member states.
- Everfex FX Solutions Currency hedging and foreign exchange brokerage services for Polish SME importers and exporters, addressing the approximately €700 billion annual trade flow in Poland and the 150,000+ active traders in the market. Operates as a wholly-owned subsidiary under Fiinu Group with a contracted SME order book of approximately €340 million as of December 2025.
- Banking-as-a-Service
Quantifiable outcome
- 80% of UK current accounts lack arranged overdraft access, representing an estimated £10 billion addressable market gap
- +4 more outcomes
Companies that use Fiinu
Customer profileNamed customers3 records
Segments3 records
Ideal customer profiles3 records
Fiinu technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability1 record
Feature3 records
Fiinu partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core.
- Manx Financial GroupcorePartnership to launch Plugin Overdraft® product in Q1 2026. Manx Financial Group provides its banking licence infrastructure enabling Fiinu to distribute overdraft products to UK consumers. This is a key GTM partnership for the Plugin Overdraft® product launch.
- Conister BankcoreFiinu launched its Plugin Overdraft product with Conister Bank, enabling distribution of overdraft products under Conister Bank's banking licence. This partnership contributed to Fiinu's +1,550% share price increase in 2025.
Scale indicators9 records
Recent moves8 records
Expansion highlights6 records
Fiinu competitors and assessment
Company assessmentDirect peers
- ClearBank: UK-based Banking-as-a-Service provider offering embedded banking infrastructure to fintechs and banks. Directly comparable as a UK-licensed BaaS competitor leveraging Open Banking rails, with a similar target market of banks and fintechs needing regulated infrastructure.
- Zopa: UK digital bank with consumer lending roots and a P2P lending heritage, now offering credit cards, savings and personal loans. Comparable to Fiinu's Plugin Overdraft® as a UK-based alternative credit provider leveraging data-driven underwriting for underserved consumers.
- Currencycloud: Cross-border payments infrastructure provider (now part of Visa) offering FX and payment orchestration APIs. Comparable to Fiinu's Everfex FX brokerage at the infrastructure level for cross-border SME trade and currency hedging.
- LHV Bank: UK-licensed bank offering Banking-as-a-Service, FX, and Open Banking-enabled infrastructure for fintechs. Comparable to Fiinu as a regulated UK bank providing embedded finance and Open Banking infrastructure to fintechs and financial institutions.
Broad incumbents
- Starling Bank: UK challenger bank offering arranged overdrafts, current accounts and B2B banking services. Comparable as an established UK digital bank addressing overdraft and consumer credit, but at vastly larger scale and with full banking authorisation versus Fiinu's restricted licence.
- Monzo: UK challenger bank offering arranged overdrafts and current accounts to millions of consumers. Comparable to Fiinu in serving the UK retail overdraft market, but Monzo holds a full banking licence and addresses the same end-consumer need Fiinu targets via an unbundled approach.
- Atom Bank: UK challenger/digital bank offering mortgages, savings and business lending. Comparable as a UK-regulated digital bank pursuing alternative credit underwriting, though focused primarily on residential mortgages rather than overdrafts.
- Airwallex: Global cross-border payments and FX platform serving SMEs and enterprises. Comparable to Fiinu's Everfex FX business for Polish SMEs in cross-border trade, but operating at significantly larger scale and broader geographic footprint.
- Wise: Global cross-border payments and multi-currency account provider. Comparable to Fiinu's Everfex FX business in addressing SME and consumer FX needs, though at vastly larger scale and with consumer-facing accounts rather than B2B brokerage.
Emerging players
- Tide: UK-focused SME digital banking platform with embedded financial services. Comparable in addressing underserved UK banking customers through digital channels, though Tide targets SMEs whereas Fiinu's Plugin Overdraft® primarily targets consumers.
Market position
Strengths5 records
Weaknesses4 records
Competitive moat4 records
Key risks5 records
Key highlights6 records
Customer concentration
Fiinu social profiles
Digital presenceFiinu financial estimates
Financial estimateRevenue estimate
Valuation estimate
Fiinu leadership team
Management profileNumber of profiles
Profiles5 records
Fiinu subsidiaries and ownership
Company hierarchySubsidiaries2 records
Fiinu funding detail
Funding detailFunding overview
Funding rounds4 records
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Fiinu M&A and investment
M&A and investmentM&A1 record
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Fiinu
What does Fiinu do?
Fiinu provides an Open Banking-enabled Plugin Overdraft® platform that delivers arranged overdraft credit directly into consumers' existing current accounts without requiring them to switch banks, using AI-driven credit risk assessment. The company also operates an FX brokerage (Everfex) serving Polish SME importers/exporters and offers Banking-as-a-Service infrastructure to financial institutions across Europe.
Is Fiinu a public or private company?
Fiinu is a public company. It is classified as public and is currently operating.
When was Fiinu founded?
Fiinu was founded in 2022. It employs 11 to 50 people.
Where is Fiinu based?
Fiinu is headquartered in Weybridge, United Kingdom, in the Europe region.
How does Fiinu make money?
Three revenue lines are on record. FX Brokerage (Everfex) is the primary driver. The others are plugin Overdraft® (Banking-as-a-Service) and banking-as-a-Service / Open Banking Infrastructure.
Who are Fiinu's main competitors?
Direct peers on record are ClearBank, Zopa, Currencycloud and LHV Bank. Broad incumbents are Starling Bank, Monzo, Atom Bank, Airwallex and Wise. Tide is listed as an emerging player.
Does Fiinu have an API?
No public API is recorded for Fiinu.
What industry is Fiinu in?
Fiinu's product category is Consumer Banking / Banking-as-a-Service. Its primary akta.pro industry code is FSAGAAAJ, Credit & Overdraft Enablement (Credit Lines, Underwriting Integrations), with a secondary code of FSAGALAD, Embedded Lending & Credit (POS, Working Capital, Credit Lines). Its NAICS code is 522 and its SIC code is 6141.