Services · Mobile app development · Fintech apps
Codeeo offers fintech app development UK payment institutions, e-money firms, lenders, investment platforms and financial service businesses can roll out from Aberdeen to Plymouth and Belfast to Norwich. We design and build customer apps, staff consoles and the integrations underneath them, against the national framework that governs British financial services: FCA authorisation, the Payment Services and Electronic Money Regulations, Open Banking, the Consumer Duty and UK GDPR.
Our team of 80+ sits across Dubai, Riyadh and Karachi, with 200+ projects delivered across the UAE and the US. We work remotely with firms anywhere in the UK: every workshop, review and demo happens by video call, and every decision is recorded in writing.
200+ companies servedFrom a first store to an ADX listed developer
Platform capabilities
A financial app that works in one city has to work everywhere in Britain the moment it is listed in the app stores. That means plugging into national infrastructure rather than local habits: the payment systems run under Pay.UK, the Open Banking standard that the largest banks were required to adopt, Companies House data for business customers, and identity services that can verify a customer from a phone. It also means meeting obligations that apply UK-wide, from the FCA Handbook and the Consumer Duty to accessibility law and the ICO's expectations on personal data. The capabilities below are the parts we most often build for firms operating at national scale. Each connects to your core ledger or banking partner and reports into an operations console, so your risk, compliance and finance teams can evidence what happens across every region you serve, not only the city where your head office sits.
Faster Payments for instant transfers, Bacs Direct Debit for collections and CHAPS for high-value payments, reached through your sponsor bank or a direct or indirect access provider. The app shows status in plain words, handles returns and recalls, and posts every movement to the ledger.
Money moves on the right rail, and every movement is recorded.
Document and liveness checks through a provider certified against the UK digital identity and attributes trust framework, plus electronic address and sanctions screening. Fallback routes cover customers whose documents or faces a camera struggles with, so no group is shut out. Results are retained for your money laundering records.
Customers anywhere in the UK can join without visiting a branch.
Account information and payment initiation through an authorised provider, with consent screens built to the Open Banking standard, consent renewal prompts and sweeping variable recurring payments where your use case qualifies. We track the move towards commercial VRP and the future Open Banking entity so the app can adapt as those arrive. Partner changes are tracked so the app is ready when they land.
Customers share data and pay by bank with clear, revocable consent.
Dashboards that show how different customer groups fare across products, communications, support and value, drawing on actual app behaviour: completion rates, cancellations, complaint themes and contact reasons. The output is shaped for the annual board report the Duty requires. Each metric can be broken down by product and region.
Your board sees evidence of customer outcomes, not anecdotes.
Content, terms and document templates that can differ for customers in Scotland, Northern Ireland, Wales and England where your lawyers say they should, for example on governing law or execution of documents. Customers see the right version automatically from their address. Legal teams can update a nation's version without a new release.
One app serves all four nations without one-size-fits-all paperwork.
One codebase that can carry several brands, products or regulated entities, each with its own look, terms, permissions and data separation. Useful for groups that distribute through partners across the country, or that run a consumer brand and a business brand from the same platform without mixing customer records. Shared components keep fixes consistent across every brand.
New brands launch from the same tested platform rather than a fresh build.
Screen reader support, scalable text, sufficient contrast, voice control and accessible alternatives to biometrics, tested with assistive technology on iOS and Android. This supports your duties under the Equality Act 2010 and the Consumer Duty focus on customers with characteristics of vulnerability. Issues raised by customers feed straight into the design backlog.
Disabled customers can manage their money without help from someone else.
Monitoring mapped to the important business services you have defined, such as making a payment or accessing a balance, with alerts set against your impact tolerances, status messaging inside the app during incidents, and tested failover for critical components. Incident timelines are captured for your post-incident review.
Outages are spotted, communicated and recovered within your tolerances.
Separate controls for service messages and marketing, cookie and tracking consent in line with PECR, and a preference history stored against each customer. Push, email and SMS respect the same settings, and a withdrawn consent takes effect everywhere at once. A full audit history shows who changed which preference and when.
Marketing reaches only customers who said yes, with proof they did.
Structured data from the app and ledger for safeguarding reconciliations, complaints returns, fraud reporting and the other returns your permissions require, so your finance and compliance teams prepare submissions from one consistent source. Each extract carries a timestamp and a source reference. Definitions are agreed with finance first.
Returns are prepared from data you trust rather than spreadsheets.
Who this is for
The UK fintech sector is spread across many centres, with London, Edinburgh, Manchester, Leeds, Bristol, Cardiff and Belfast among them, yet every firm answers to the same national regulators. The FCA authorises and supervises conduct; the PRA supervises banks, building societies, credit unions and insurers; and the Payment Systems Regulator oversees payment systems, though the government has announced plans to fold it into the FCA. Financial services app development in the UK therefore starts from national rules and then adjusts for the customers each firm serves. These four types of firm make up most of our UK conversations.
You built a customer base in one region and now want to sell everywhere. National growth exposes weak onboarding, thin fraud controls and support that relied on local knowledge. We harden identity checks for a wider population, add nation-aware content, scale fraud monitoring and build self-service help so support does not have to grow at the same rate as customers. Reporting is split by region, so you can see whether customers in Belfast or Cardiff are getting the same outcomes as those near your head office. Fraud rules are tuned with your analysts as new customer groups arrive.
Scale the controls before scaling the marketing.
Whether you are applying as a payment institution, an electronic money institution, an account information or payment initiation provider, or a consumer credit firm, the FCA expects working systems and controls. We build the product your application describes, with records and reporting ready. Truly novel models may suit the FCA Regulatory Sandbox, which takes applications year-round. Records, complaint handling and safeguarding reconciliation work from day one, so the systems section of your application describes something real rather than a plan. Case officers' follow-up questions can then be answered with screenshots and logs.
Your adviser writes the application; we build what it describes.
Building societies, insurers, wealth platforms and consumer lenders often run older apps or web portals over a core system that cannot change quickly. We add an API layer, rebuild the customer channel in stages, and keep the core as the system of record, with operational resilience and outsourcing obligations respected throughout. Customers keep using the old channel until the new one has proved itself with a pilot group, so nobody is forced to switch overnight. Staff consoles are rebuilt alongside, so colleagues in contact centres and branches see the same information customers do.
Digital wallet app development in the UK means safeguarding customer funds, reconciling daily, and meeting the strengthened safeguarding rules for payments and e-money firms that apply from 7 May 2026. Customers also need to understand that e-money is safeguarded rather than covered by the Financial Services Compensation Scheme. We build the wallet, ledger and plain-English explanations together. Card provisioning, top-ups and statements come later in the same plan, once the ledger has been proven against test reconciliations. Customers anywhere in the UK then get the same experience from day one.
Be clear with customers about how their money is protected.
Engagement models
Firms preparing an application or a first launch usually take a fixed-scope build. Scale-ups and established firms with long roadmaps often prefer a dedicated team that plans quarter by quarter alongside their own product owners. Live apps are kept current on a retainer covering monitoring, platform updates, partner changes and regulatory updates. Cost in each case reflects the regulated activities involved, the number of partners and rails, national-scale security and resilience testing, accessibility work and the approval rounds your governance needs. Estimates are written per release, with assumptions stated, and any change requested mid-release is priced and agreed in writing before work on it starts.
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 choose native Swift and Kotlin or a cross-platform framework according to your security, card and performance needs, and host in UK cloud regions when your data policy calls for it. Infrastructure is defined in code, so environments can be rebuilt and audited.
01Mobile
02Data and cloud
03Marketing and tracking
Building a product that fits the permissions you hold and produces the evidence the FCA expects.
The app itself is not authorised; your firm or your partner is. Development therefore starts from the regulated activities involved and the rules attached to them: payment services, e-money, consumer credit, investments or insurance distribution. Those rules drive onboarding, safeguarding, authentication, complaints, record keeping and financial promotions. We build to them and document how, and your compliance adviser confirms the interpretation, because we are developers, not lawyers. That division keeps responsibilities clear.
Schedule a free consultation and get a written recommendation, with costs, before you commit to anything.
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