ApideckTape
← Embedded Finance Index 2026

Ekko

“Can a green-focused debit card and app turn everyday consumer spending into a driver of positive climate action?”

HQUnited Kingdom
IndustryFintech / Consumer banking
The story

Ekko is a UK-based fintech app and debit card designed to help consumers reduce their environmental impact through everyday spending. The company combined fintech, marketplace, and retail into a single app to make climate-positive behaviour easy, using BaaS infrastructure from Edenred PPS to power card issuing. The card itself is manufactured using 76% eco-friendly materials.

Last 12 months
—
Product timeline
2021
Ekko launched as an eco-friendly debit card and app in the UK, partnering with Edenred PPS for card issuing and Banking as a Service, completing technical and regulatory setup in under 12 weeks.· banking
The stack
2 layers disclosed in Ekko’s embedded-finance stack
Banking / BaaS
Edenred PPS
Card issuing
in the full report
Accounting gap: none
1 more provider across 1 layer, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.

Ekko — frequently asked

What bank does Ekko use?

Ekko discloses Edenred PPS as its banking provider, according to the Embedded Finance Index 2026.

Is Ekko a bank?

Ekko does not disclose a bank charter of its own; its banking services are provided through Edenred PPS.

Who issues Ekko's cards?

Ekko's cards are issued through Edenred PPS.

What is Ekko's embedded finance stack?

The Embedded Finance Index 2026 maps 2 layers in Ekko's stack: Banking / BaaS (Edenred PPS); Card issuing (Edenred PPS).

Where is Ekko headquartered?

Ekko is headquartered in United Kingdom.

Benchmark your own stack

Request an embedded finance strategy assessment

Get a read on where your own stack stands against Ekko and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.

  • Your category, mappedHow your stack compares to Ekko and the other companies in its category.
  • Build vs. buyWhere a provider relationship would close a gap faster than building it.
  • A named analyst, not a form replyA short call to scope what's actually worth assessing for you.

No newsletter, no sharing your address. We use this to reach out about the assessment and nothing else.