Services · Mobile app development · Fintech apps
Codeeo offers fintech app development Edinburgh wealth managers, pension administrators, advice firms and young payments companies can show to their compliance officer with confidence. We build onboarding apps, client portals, digital wallets and adviser dashboards that respect FCA permissions, UK GDPR and contracts governed by Scots law, designed for how Edinburgh clients actually hold money: pensions, ISAs, family wealth and everyday payments in one secure place.
Our team of 80+ is based across Dubai, Riyadh and Karachi and has delivered 200+ projects across the UAE and the US. We work remotely with Edinburgh clients, so discovery, design reviews and sprint demos run by video call, and every decision is written down for your file.
200+ companies servedFrom a first store to an ADX listed developer
What we build
Much of Edinburgh's financial sector grew around long-term money: life assurance, pensions, investment trusts and private wealth. Plenty of firms in the city still serve clients through posted valuations, PDF statements and a phone call to a named adviser. The apps we build replace that paper trail with a secure client space while keeping the adviser relationship at the heart of it. Payments and e-money companies in the city need something else entirely: fast onboarding, a wallet, and a ledger that reconciles every single day. Below are the features we scope most often for Edinburgh firms. You pick the set, and we connect it to your platform, custodian, CRM or banking partner with an audit trail, so whatever the app shows a client matches what your back office holds. Any screen that describes a product or could count as a financial promotion goes through your approval route before it is released.
Guided sign-up that collects identity documents, a liveness check and proof of address through a certified identity provider, then runs sanctions and politically exposed person screening. Anyone who fails a check is passed to a person rather than rejected silently, and each result is stored on the client file for your anti-money laundering records.
New clients are verified in one sitting and your MLRO can see why each one was accepted.
Holdings, valuations, contributions and performance pulled from your platform or custodian feed and shown in plain language, using the same figures that appear on formal statements. A client with an ISA, a SIPP and a general account sees all three together, and the adviser sees the identical view when the client calls.
Clients stop ringing the office to ask what their pension is worth.
Suitability reports, annual review packs, tax certificates and signed agreements are published into an encrypted vault with read receipts, so your team knows a document has been opened. Clients use the same vault to send payslips, trust paperwork or updated identity documents back to you.
Posted statements and email attachments give way to one auditable record.
Signing flows for terms of business, discretionary mandates and transfer requests, with the wording and execution method checked by your solicitors, including against Scots law where the agreement is governed by it. Where a particular document still needs a different execution route, the app tells the client what to do next.
Mandates come back signed in days instead of weeks of post.
Clients connect accounts held elsewhere through a regulated account information provider, so an adviser can see income, spending and cash savings before a review. Consent screens follow the Open Banking standard, state exactly what is shared, and prompt the client when consent needs to be reconfirmed.
Reviews start from real figures rather than a client's best guess.
For e-money and payments firms: balances, top-ups, Faster Payments transfers, card freeze, spending limits and Apple Pay and Google Pay provisioning through your card issuer. The ledger reconciles against your safeguarding account each day, so customer funds are always accounted for.
A wallet your finance team can reconcile, not just a number on a screen.
A staff app or web dashboard listing review dates, outstanding documents, open messages and tasks, with permissions so paraplanners, administrators and compliance staff each see only what they need. Every action carries a timestamp for file checks and internal audit.
Annual reviews stop slipping because nobody owned the next step.
Tools to record characteristics of vulnerability with the client's consent, adjust how you communicate, and report how clients really use the app: where they abandon a form, which explanations they open twice, how long complaints take to close. That evidence feeds the outcome monitoring your board reviews.
Your Consumer Duty board report draws on actual usage data.
Secure messages tied to the client record and kept under your record retention policy, plus booking for review meetings at your Edinburgh office or by video. Notifications keep account detail off the lock screen.
Client conversations leave personal phones and join the compliance record.
Who this is for
Edinburgh's financial community runs from investment houses holding decades of client records to young companies in the orbit of FinTech Scotland, the cluster body the University of Edinburgh helped found. Their starting points differ, so the first release differs too. Financial services app development in Edinburgh also has a regulatory quirk worth knowing early: the FCA has an office at Fountainbridge, but your regulator is the same national one, while contract and property questions may fall under Scots law. These are the four situations we see most. Edinburgh's large student population and the crowds that arrive for the August festivals matter less here than the city's older, wealthier client base, so we design for clarity before novelty.
You have loyal clients, many of them older, who are used to posted valuations and a personal adviser. The app must feel calm and readable, with large type, clear figures and a phone number always one tap away. We start with valuations, documents and secure messages, because those remove the most calls, and we leave anything that could confuse an existing client for a later release once you have seen how people use it.
Start with what clients ask about most.
Your records may sit in a policy administration system that was never built to talk to a phone. We put a secure API layer in front of it, cache only what the app needs, and keep the system of record exactly where it is. Members can check contributions, update beneficiaries and request transfers, while the formal processing still happens in your existing workflow with its existing controls.
Your core system stays the source of truth.
You may hold authorisation as an electronic money institution or payment institution, operate as an agent or distributor of a licensed partner, or still be preparing your application. We build to whichever route applies, and to the safeguarding rules for payments and e-money firms that took effect on 7 May 2026, with reconciliation and record keeping designed in from the first sprint rather than added later.
The licence route shapes the architecture.
Smaller service firms need onboarding, document exchange and a tidy workflow more than a trading screen. We build a branded portal app that handles fact finds, identity checks, engagement letters and secure uploads, connected to the practice management or CRM tool you already use. Staff get a task list, and clients stop emailing sensitive documents.
How we work together
Most firms begin with a fixed-scope first release built around one client group, such as existing wealth clients or new wallet customers, and then keep improving it on a monthly retainer. Firms running several products at once sometimes take a dedicated team whose engineers learn their controls and stay with the app. Whichever model you choose, cost is driven by the number of integrations, the regulated activities involved, how many user roles there are and the depth of testing your compliance team requires. We give a written estimate for each release with its assumptions listed.
A defined build with a deadline
We agree what the product has to do, write it down with a price and a date, and build exactly that. Changes are priced before they are made, not discovered on the invoice.
A product that keeps evolving
Named engineers who work your hours, join your standups and stay on the codebase. You direct the backlog; we own the quality of what ships.
Something live that needs looking after
A monthly block of hours for improvements, fixes and the small requests that otherwise wait months. Unused hours carry for a quarter.
Technology
We build in Flutter, React Native or native Swift and Kotlin, chosen with the people who will own the app afterwards. Backends run in UK cloud regions where your data policy asks for it, with logging, monitoring and alerting configured before launch.
01Mobile
02Data and cloud
03Marketing and tracking
Every stage runs by video call, with written records you can keep on file.
We do not have an Edinburgh office and do not promise visits. Discovery workshops, design reviews and sprint demos happen by video call, and each one ends with written notes, decisions and open questions. Your team gets access to a test build from the first sprint, so compliance staff and advisers can try features on their own phones and comment directly. Firms often find the written trail useful for governance, because it shows how each decision about client data or wording was reached.
Schedule a free consultation and get a written recommendation, with costs, before you commit to anything.
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