What money.co.uk does

money.co.uk is a UK-based financial product comparison platform that aggregates and screens thousands of personal and business financial products, enabling consumers and small businesses to research, compare, and apply for credit cards, loans, mortgages, savings accounts, current accounts, insurance, pensions, investments, and travel money through a single free-to-use website. The platform is operated by RVU Services Limited (FRN 1007258) and is part of the ZPG Limited group alongside sibling comparison brands such as Uswitch, Confused.com, Mojo Mortgages, Tempcover, and Zoopla. As an FCA-regulated credit broker, money.co.uk vets every listed provider before inclusion, and in 2024 launched a daily-refreshed savings scoring system that evaluates 1,300+ of 1,700+ products against weighted factors including interest rate, minimum deposit, term conditions, and withdrawal restrictions. Additional platform capabilities include an Experian-powered soft-search eligibility checker embedded in the credit card journey, integration with the UK's Current Account Switch Service, and broker partner referrals for complex products such as mortgages and certain insurance lines.

The underlying technology stack is a curated comparison engine built on a partner-fed product database (Defaqto for market intelligence, Experian for eligibility data) combined with human-authored editorial content used as the primary SEO-driven acquisition channel. Distribution is exclusively through the owned digital platform at money.co.uk, with secondary reach via Facebook, X, LinkedIn, YouTube, email newsletter, and PR placements in national outlets including the BBC, The Guardian, Financial Times, Daily Mirror, and Daily Express. The platform does not publish a developer API, mobile app, or AI/ML tooling.

Revenue is generated entirely through affiliate and advertising mechanisms: commission when users are referred to and purchase a financial product, sponsorship of editorial placements and email sends, and broker referral commissions on complex product sales. The service is free to users, with sponsored products appearing with prominent purchase buttons and non-commercial products listed without action buttons (and reorderable by unticking the affiliated-product filter). End-user customer concentration is naturally low as monetisation occurs at the level of consumer transactions rather than enterprise contracts, though supplier-side concentration exists across the major UK banks (Barclays, HSBC, NatWest, Santander, Halifax) and challenger banks (Starling, Monzo, Chase, Revolut, first direct) that pay affiliate commissions.

Name

money.co.uk

Legal name

Dot Zinc Limited

Website

https://money.co.uk

Company type

Private

Founded year

2006

Operating status

Operating

Headcount range

11–50 employees

Short description

money.co.uk is a UK-based financial comparison platform operated by RVU Services Limited under ZPG Limited. It offers free consumer and SMB comparisons across credit cards, loans, mortgages, savings, insurance, banking, energy, and business software, monetising via provider affiliate commissions.

Ownership category

akta.pro rank

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Digital Commerce or Content

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations

Revenue model

1. Affiliate commission: money.co.uk earns a commission when users click through to a financial product or service and subsequently purchase it. This is the primary revenue stream. The service is free for users and they receive the same or better deals than going direct.
2. Advertising and sponsorship: Some providers pay to advertise on the site, in emails, guides, or social media channels. Products without commercial arrangements are listed without promotional buttons.
3. Broker referral commissions: When users engage broker services for complex products (e.g., mortgages, certain insurance), money.co.uk earns a commission after the product is purchased, at no extra cost to the user.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels5 records

Core offering

money.co.uk operates a free online financial product comparison platform for UK consumers and small businesses. It aggregates thousands of personal and business financial products (credit cards, loans, mortgages, savings, current accounts, insurance, pensions, investments, travel money, business banking, business insurance) from verified UK providers, screens each provider before listing, ranks products using data-driven scoring, and includes a soft-search eligibility checker powered by Experian. The platform is FCA-regulated as a credit broker and earns revenue through affiliate commissions when users click through to providers and purchase products.

Product overview

money.co.uk is a financial product comparison platform operated by RVU Services Limited (formerly ZPG Limited), regulated by the FCA. The platform provides comparison services for both personal and business financial products. Personal products include current accounts, savings accounts (with various ISA types), credit cards, loans, mortgages, insurance products (car, home, pet, travel, life, health, income protection), travel money, pensions, and investment products. Business offerings include business loans, business banking accounts, business insurance, card payment solutions, and business software. The platform features an Experian-powered eligibility checker for credit products and facilitates the Current Account Switch Service (CASS) for banking customers. Revenue is generated through commission from partner providers, disclosed transparently. The platform also provides free financial guides and calculators as educational resources.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Current Accounts Comparison Online comparison of personal current accounts from UK providers including standard accounts, joint accounts, and teen accounts (ages 11–17), with switching incentives and Current Account Switch Service (CASS) facilitation.
• Savings Accounts Comparison Online comparison of UK savings products including instant access savings, fixed rate bonds, cash ISAs, fixed rate cash ISAs, and investment ISAs, ranked using a weighted scoring system on interest rate, minimum deposit, minimum balance, term conditions, and maximum balance.
• Credit Cards Comparison Online comparison of UK credit cards including balance transfer, 0% purchase, rewards, air miles, instant decision, student, credit building, and bad credit cards, featuring an Experian-powered soft-search eligibility checker.
• Personal Loans Comparison Online comparison of UK personal loans including unsecured loans, secured loans, debt consolidation loans, bad credit loans, and bridging loans, with an integrated loan repayment calculator.
• Mortgages Comparison Online comparison of UK mortgage products including first-time buyer, remortgage, buy-to-let, self-employed, shared ownership, second home, and low-income mortgages, with broker referrals for advice-led cases.
• Insurance Comparison Online comparison of UK personal insurance products including car, van, motorbike, temporary and learner driver, home, pet, health, life, income protection, and travel insurance.
• Travel Money Comparison Online exchange rate and product comparison service for travel money covering euro, US dollar, Turkish lira rates, currency buy back, and prepaid travel cards.
• Pensions and Retirement Comparison Online comparison of UK pension products including private pensions, SIPPs, and pension transfers, with an integrated pension calculator.
• Investment and Share Dealing Comparison Online comparison of UK investment products including share dealing accounts and investment ISAs.
• Prepaid Cards Comparison Online comparison of standard prepaid cards and travel prepaid cards, including coverage of Section 75 and Chargeback protection mechanisms.
• Business Loans and Funding Comparison Online comparison of UK business finance products including business loans, startup business loans, business credit cards, invoice finance, and asset finance.
• Business Banking Comparison Online comparison of UK business banking products including business bank accounts for sole traders and limited companies, business savings accounts, and business prepaid cards.
• Business Insurance and Energy Comparison Online comparison of UK business insurance products including public liability, professional indemnity, employers liability, goods in transit, landlord insurance, business energy, and temporary business vehicle insurance.
• Card Payment Solutions Comparison Online comparison of card payment machines and point-of-sale solutions for UK merchants.
• Business Software Comparison Online comparison of UK business software including HR, accounting, payroll, expense management, and accounts payable solutions for SMEs.

Quantifiable outcome

• Thousands of financial products from verified UK brands available on the platform
• +2 more outcomes

Named customers2 records

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature3 records

Partnerships

20 partnerships are on record, tiered core and minor.

• ZPG Limited (Parent Company)coreOthersmoney.co.uk is owned and operated by RVU Services Limited, part of the ZPG Limited group of companies. ZPG Limited also owns and operates Hometrack, Confused.com, Mojo Mortgages, Alto, PrimeLocation, Tempcover, Uswitch, and Zoopla — digital platforms serving the UK property and financial comparison markets.
• DefaqtoTechnology or Integrationmoney.co.uk partners with Defaqto to ensure its comparisons include the most up-to-date financial product information. Defaqto provides independent product data and star ratings used in money.co.uk's comparison tables.
• ExperiancoreTechnology or Integrationmoney.co.uk has partnered with Experian to provide a soft-search eligibility checking tool that matches users with credit cards they are most likely to be approved for, without affecting their credit score. This is integrated into the credit card comparison journey.
• BarclaysminorGTM or Marketing PartnerFeatured as a financial product provider on money.co.uk's comparison platform, offering products including current accounts, credit cards, and loans.
• HSBCminorGTM or Marketing PartnerFeatured as a financial product provider on money.co.uk's comparison platform.
• NatWestminorGTM or Marketing PartnerFeatured as a financial product provider on money.co.uk's comparison platform with switching offers and current account products.
• SantanderminorGTM or Marketing PartnerFeatured as a financial product provider on money.co.uk's comparison platform with switching offers and current account products.
• HalifaxminorGTM or Marketing PartnerFeatured as a financial product provider on money.co.uk's comparison platform.
• TideminorGTM or Marketing PartnerFeatured as a business banking provider on money.co.uk's business comparison platform.
• Virgin MoneyminorGTM or Marketing PartnerFeatured as a financial product provider on money.co.uk's comparison platform.
• StarlingminorGTM or Marketing PartnerFeatured as a current account provider with Which? Recommended Provider status on money.co.uk's switching offers page.
• MonzominorGTM or Marketing PartnerFeatured as a current account provider on money.co.uk's switching offers page.
• ChaseminorGTM or Marketing PartnerFeatured as a current account provider on money.co.uk's switching offers page, with cashback and savings products.
• RevolutminorGTM or Marketing PartnerFeatured as a current account and financial services provider on money.co.uk's switching offers page.
• first directminorGTM or Marketing PartnerFeatured as a current account provider on money.co.uk's switching offers page with a £200 switching incentive.
• Zempler BankminorGTM or Marketing PartnerFeatured as a recommended business bank account provider on money.co.uk's business comparison platform, highlighted as a top pick with no monthly fee and FSCS protection up to £120,000.
• FCA (Financial Conduct Authority)coreOthersmoney.co.uk is authorised and regulated by the FCA as a credit broker (FRN 1007258). The FCA registration provides regulatory oversight and consumer protection standards.
• StepChangeminorOthersReferenced as a free debt advice provider that money.co.uk recommends to users who cannot afford payments. Part of money.co.uk's commitment to responsible financial guidance.
• National DebtlineminorOthersReferenced as a free debt advice service recommended to users struggling with repayments. Associated with the Breathing Space government debt respite scheme.
• Citizens AdviceminorOthersReferenced as a source of free, impartial, and confidential financial advice for users who need help with debt prioritisation and creditor negotiations.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• MoneySupermarket: UK's largest financial price comparison site comparing credit cards, loans, mortgages, insurance and current accounts via affiliate commissions. Direct competitor to money.co.uk on the same products, same GTM (SEO-led, free consumer tool, commission-funded) and same UK consumer/SMB segments.
• Compare the Market: UK financial and insurance price comparison site famous for its meerkat campaigns, comparing insurance, utilities, credit cards, loans and broadband. Operates the same comparison-plus-affiliate model targeting UK consumers and competes head-to-head for the same provider commercial agreements.
• GoCompare: UK price comparison site owned by Future plc covering insurance, utilities, credit products and travel money. Closely mirrors money.co.uk's product taxonomy and affiliate-driven revenue model for UK consumers.
• Uswitch: Sister site under the same ZPG/RVU Services Limited parent, comparing utilities, broadband, mobile and financial products for UK consumers. Comparable model, audience and product mix—effectively overlapping within the same corporate group.
• Confused.com: UK financial and insurance price comparison site, also part of the ZPG/RVU Services Limited group alongside money.co.uk. Direct comparable on insurance-led comparison and the same FCA-regulated credit-broker model.
• MoneySavingExpert: Martin Lewis-founded UK personal finance editorial site with comparison tools for credit cards, savings, utilities and broadband. Closely comparable editorial-plus-comparison model and primary UK consumer audience.

Emerging players

• Finder.com: Global financial comparison marketplace operating a UK site covering credit cards, loans, banking and insurance via affiliate leads. Direct product overlap with money.co.uk in credit cards and personal finance, though smaller UK brand recognition.
• Moneyfacts: UK financial data and comparison provider supplying product information on savings, mortgages, loans and insurance. Comparable product-level taxonomy and comparable data-driven comparison approach, though more B2B/institutional oriented than pure consumer comparison.
• Forbes Advisor UK: UK-facing editorial-led financial comparison site covering credit cards, loans, banking and insurance under the Forbes brand. Comparable editorial-plus-affiliate content model, though relies on the global Forbes media brand for SEO rather than a standalone UK domain.

Others

• Defaqto: UK financial product data and ratings provider used by money.co.uk to power product comparisons. Functions as an upstream data/enabling layer for comparators rather than a direct competitor—relevant as a supplier and benchmark for product data coverage.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key highlights7 records

Customer concentration

• Xx.com/moneycouk
• YouTubeyoutube.com/channel/UCzxszYfCyjRRHmsKSKt5dww
• Facebookfacebook.com/pages/moneycouk/111301458904383
• LinkedInlinkedin.com/company/money-co-uk

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about money.co.uk