sync.
sync. is a London-based fintech founded in 2018 that provides bank account aggregation and personal financial management services to UK consumers and businesses seeking digital banking alternatives.
- Company typePrivate
- Founded2018
- HeadquartersLondon, United Kingdom
- Headcount11–50
- GTM typeB2C
- OfferingSoftware
What sync. does
sync. is a London-based fintech founded in 2018 that provides bank account aggregation and personal financial management (PFM) services, targeting UK consumers and businesses seeking digital banking alternatives. The company's operating geography is listed as EMEA, with the UK identified as the primary segment, and it is positioned within the UK challenger bank competitive set, having been referenced in FinTech Futures' May 2021 directory of approximately 80 UK challenger banks.
The company's product surface and underlying technology are not described in the available source material. The sync.money website renders only a loading page with no substantive information about product features, account-linking mechanisms, data architecture, or supported financial institutions. No APIs, SDKs, integrations, patents, trademarks, certifications, or compliance milestones are documented. The founding team includes Ricky Lee as Founder, Azahara Egea as Co-founder and Chief Operating Officer, Amar M. Bhatti as Chief Legal Officer, and Henry Qi as Chief Business Officer, with total headcount reported in the 11-50 range. The presence of a dedicated CLO and CBO suggests preparation for regulated activity or commercial scaling, though no specific regulatory authorisation is confirmed.
From a business model standpoint, the source data does not disclose pricing, monetisation mechanics, customer counts, revenue figures, or partnership channels. The only capital event on record is a single seed round of approximately $6.4M closed on 20 March 2020, with investors undisclosed. No subsequent funding rounds, named customers, strategic partnerships, or product launches are referenced. The combination of a non-functional public site, absence of disclosed commercial activity, and lack of post-2020 funding signals makes the current operating and commercial status difficult to verify from public sources.
sync. firmographics
Firmographics- Name
- sync.
- Website
- https://sync.money
- Company type
- Private
- Founded year
- 2018
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- sync. is a London-based fintech founded in 2018 that provides bank account aggregation and personal financial management services to UK consumers and businesses seeking digital banking alternatives.
- Ownership category
- akta.pro rank
sync. industry classification
Industry- Product category
- Personal Finance Management
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Account Aggregation & Connectivity (Multi-bank linking) (FSAGACAA)
- akta.pro secondary industry
- Personal Financial Management & Budgeting (PFM) (FSAGAAAH)
Keywords
Where sync. is headquartered
LocationHeadquarters
- HQ city
- London
- HQ country
- United Kingdom
- HQ region
- Europe
Markets served
sync. business model
Business model- GTM type
- B2C
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales
sync. product offering
Product offeringCore offering
sync. provides bank account aggregation and personal financial management (PFM) services, enabling users to consolidate and view their financial accounts through a single digital interface. The company is positioned as a UK challenger bank offering digital banking alternatives to consumers and businesses.
Differentiator
Problem solved
Functional benefit
Products and services
- Bank Account Aggregation
- Personal Financial Management (PFM)
Companies that use sync.
Customer profileSegments1 record
Ideal customer profiles1 record
sync. technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
sync. partnerships and signals
Strategic signalRecent moves3 records
Expansion highlights3 records
sync. competitors and assessment
Company assessmentDirect peers
- TrueLayer: UK-based open banking API platform that provides bank account connectivity and financial data aggregation for fintechs and merchants. Directly comparable to sync. on the account-aggregation capability and UK/EU regulatory environment.
- Moneyhub: UK open banking and personal financial management provider offering account aggregation, analytics, and financial wellness tools to consumers, employers, and advisers. Direct peer across both consumer PFM and B2B2C distribution channels.
- Bud Financial: UK-based open banking data and engagement platform providing account aggregation, transaction categorisation, and personal financial management APIs. Directly comparable to sync. on aggregation technology and UK target market.
- Plaid: Global leader in bank account aggregation and financial data connectivity, serving fintechs and developers with multi-bank linking. Direct peer on aggregation technology, though operating at much larger scale with broader geographic coverage.
- Yapily: UK-headquartered open banking infrastructure provider enabling bank account aggregation and payment initiation across European banks. Comparable to sync. as a multi-bank aggregation platform targeting the same UK/EU Open Banking ecosystem.
- Tink: European open banking platform owned by Visa, providing account aggregation, PFM, and payment-initiation services across multiple European markets. Comparable to sync. on multi-bank aggregation and PFM capabilities within EMEA.
- Emma: UK-based consumer PFM app that aggregates bank accounts, tracks subscriptions, and provides budgeting insights. Direct competitor to sync. on the consumer-facing PFM aggregation proposition in the UK market.
Emerging players
- Spendee: Multi-currency consumer budgeting and PFM app with bank account aggregation across European markets. Comparable emerging player on consumer PFM aggregation, though with stronger consumer-brand positioning than sync.
Broad incumbents
- Monzo: Major UK challenger/neobank offering in-app PFM features (categorisation, budgets, spending insights) alongside banking accounts. Adjacent incumbent that bundles PFM functionality, reducing demand for standalone PFM aggregators like sync.
- Starling Bank: UK digital challenger bank providing built-in personal financial management and account insights within its banking app. Comparable broad incumbent in sync.'s UK target geography with overlapping PFM functionality.
Market position
Strengths4 records
Weaknesses5 records
Competitive moat3 records
Key risks6 records
Key highlights5 records
Customer concentration
sync. social profiles
Digital presencesync. financial estimates
Financial estimateRevenue estimate
Valuation estimate
sync. leadership team
Management profileNumber of profiles
Profiles4 records
sync. funding detail
Funding detailFunding overview
Funding rounds1 record
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
sync. M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about sync.
What does sync. do?
sync. provides bank account aggregation and personal financial management (PFM) services, enabling users to consolidate and view their financial accounts through a single digital interface. The company is positioned as a UK challenger bank offering digital banking alternatives to consumers and businesses.
Is sync. a public or private company?
sync. is a private company. It is classified as venture growth investor backed and is currently operating.
When was sync. founded?
sync. was founded in 2018. It employs 11 to 50 people.
Where is sync. based?
sync. is headquartered in London, United Kingdom, in the Europe region.
Who are sync.'s main competitors?
Direct peers on record are TrueLayer, Moneyhub, Bud Financial, Plaid, Yapily, Tink and Emma. Spendee is listed as an emerging player. Broad incumbents are Monzo and Starling Bank.
Does sync. have an API?
No public API is recorded for sync..
What industry is sync. in?
sync.'s product category is Personal Finance Management. Its primary akta.pro industry code is FSAGACAA, Account Aggregation & Connectivity (Multi-bank linking), with a secondary code of FSAGAAAH, Personal Financial Management & Budgeting (PFM). Its NAICS code is 52232 and its SIC code is 6199.