← Embedded Finance Index 2026

Tell Money

Can a pure-play open banking gateway become the standard compliance and API infrastructure layer for the growing universe of non-bank Account Providers across the UK and Europe?

HQUnited Kingdom
IndustryInfrastructure / Open banking
The story

Tell Money is an FCA-authorised UK fintech that operates as open banking infrastructure for Account Providers (banks and payment account issuers), not as a TPP or end-user-facing product. The company's core product, tell.gateway, enables financial institutions to expose PSD2/NextGenPSD2-compliant Open Banking APIs to TPPs. It also offers tell.connect, a network aggregation layer allowing TPPs to reach multiple ASPSPs through a single integration. The company positions itself as B2B infrastructure sold to BaaS providers, core banking vendors, and embedded finance platforms acting as integrators.

Last 12 months
Regulated entities
1
regulatory licence held by Tell Money
Licence types, jurisdictions and registered entities are in the Embedded Finance Index report.
The stack
2 layers disclosed in Tell Money’s embedded-finance stack
Banking / BaaS
Paynetics
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.