ApideckTape
← Embedded Finance Index 2026

Thames

HQUnited Kingdom
IndustryUtilities / Water
The stack
1 layer disclosed in Thames’s embedded-finance stack
Banking / BaaS
Paynetics
Accounting gap: none

Thames — frequently asked

What bank does Thames use?

Thames discloses Paynetics as its banking provider, according to the Embedded Finance Index 2026.

Is Thames a bank?

Thames does not disclose a bank charter of its own; its banking services are provided through Paynetics.

Where is Thames headquartered?

Thames 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 Thames 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 Thames 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.