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For payments, e-money, lending, open banking & RegTech

Fintech marketing that clears compliance first time.

Most agencies write fintech copy, then find out what your approval route thinks of it. We work the other way round. Glide builds your website, gets you found in search and in AI answers, and runs your ads, written from the start to the rulebook you are authorised under. Fewer rewrites, faster launches, and marketing that does not stall a week before it was meant to go live.

Why is fintech marketing harder than it looks?

Not because the marketing is difficult. Because there is a second approver in the loop, and most agencies do not find out who it is until the copy is written. Then the launch slips, the campaign misses the quarter, and the work gets watered down until it stops persuading anyone.

The fix is unglamorous. Ask which rulebook the firm is authorised under and who signs promotions off, before writing a word. That one question changes what gets drafted, and it is the question almost nobody asks.

The thing most agencies get wrong

Which rulebook applies to your marketing?

“FCA-regulated” is not one thing. Fintech spans at least three different positions, and they do not share a rulebook. An agency that treats them all as investment firms will over-warn a payments product into unreadability, and will miss what genuinely matters for a firm that is not authorised at all.

Here is the split, and it is the first thing we establish on any fintech engagement.

Payments and e-money firms

PSRs 2017

Payment institutions, electronic money institutions and registered account information service providers are authorised under the Payment Services Regulations 2017 or the Electronic Money Regulations 2011, not under the investment rulebook most agencies assume. The Consumer Duty does apply to you, and the FCA has written to the payments portfolio specifically about it.

Firms doing regulated investment or credit business

FSMA s21

If what you are promoting is a regulated investment or a credit agreement, the financial promotion rules bite directly and your marketing is a financial promotion in the FCA sense. That is the regime most agency pages describe, and for this group they are right.

Unauthorised fintechs

FCA approver permission

Plenty of fintechs are not authorised themselves and rely on someone else to approve their promotions. Since 7 February 2024 that approver needs specific permission from the FCA, which made approval materially harder to source. This is the group most affected and least well served.

Knowing which of the three you are in decides how your copy gets drafted, how long sign-off takes, and whether a campaign timeline is realistic. It costs one conversation at the start and saves weeks later.

What changed on 7 February 2024, and why it still bites

Since 7 February 2024 an authorised firm needs specific permission from the FCA, known as approver permission, before it can approve a financial promotion for an unauthorised person. The application window ran from 6 November 2023 to 6 February 2024. There are narrow exemptions, including promotions for unauthorised members of the approver's own group and for its appointed representatives. FCA approver permission

If you are an unauthorised fintech, the practical effect is that the pool of firms able to approve your marketing got smaller, and the ones that remain took on ongoing reporting duties for the privilege. SUP 16.31 Approvals that used to be a favour are now a considered commercial decision.

None of that is a reason to market less. It is a reason to plan the approval into the timeline and to send a first draft that does not waste the approver's goodwill. That is the part we can genuinely help with.

What we do for a fintech

A fast, credible website that survives a compliance read and still converts
SEO and AI-search so the firms and consumers already looking for your product find you
Content written to your approval route, so it clears sign-off first time instead of bouncing back
Google Ads, including the financial services advertiser verification that stops most fintechs getting live
One accountable team on one monthly retainer from £1,000 plus VAT, with no five-figure upfront build

Five things we check before your copy goes near an approver

These are the patterns that cost fintech campaigns the most time, with the source for each. Every reference below was checked against the FCA's own material rather than written from memory.

A promotion approved by an authorised firm that lacks approver permission

FCA approver permission

Since 7 February 2024 an authorised firm needs specific approver permission to approve a financial promotion for an unauthorised person. There are narrow exemptions, including promotions for unauthorised members of the approver’s own group and for its appointed representatives. If your approval route was set up before that change, it is worth confirming it still works.

Consumer Duty treated as somebody else’s problem

PRIN 2A

The Consumer Duty reaches payments and e-money firms, including firms that sit in the middle of a distribution chain rather than facing the retail customer directly. The consumer understanding outcome is the one that touches marketing most: your copy has to be clear enough that customers can make an informed decision on it.

Reporting obligations forgotten after permission is granted

SUP 16.31

Approving promotions for unauthorised firms brings ongoing reporting duties, not just a one-off permission. This is not our job to do, but it changes how much appetite an approver has, which in turn changes how much lead time your campaign needs.

Google Ads rejected before a single click

Google financial services verification

Google requires verification for financial services advertisers targeting the UK. Two things catch fintechs out: the Ads account needs a contact on the same email domain as the registered firm, and the business details have to match the register exactly. An old trading name or a missing domain fails the check.

Claims that would not survive the advertising code

CAP 3

The CAP Code applies to every UK business, regulated or not. "Instant", "free", "guaranteed" and comparison claims all have to be substantiated. Fintech marketing gets caught here more often than by the FCA, and it is the cheapest thing to get right.

None of this is legal or regulatory advice, and we are not your compliance function. It is the standard we write to, so what reaches your approver is designed to pass rather than be walked back later.

Which fintechs do you work with?

We work with

  • Payments and e-money institutions
  • Open banking and account information providers
  • Lending platforms and consumer credit brokers
  • RegTech and compliance software
  • Wealth tech and investment platforms
  • B2B fintech selling into regulated firms

We do not

  • Crypto and digital asset promotion
  • Payday and high-cost short-term credit
  • Anything we judge reputationally risky

Saying no to crypto and high-cost credit is a standing decision, not a judgement on any individual firm. It keeps our work inside what we can do well and defend.

Why trust Glide with this?

We run search and ads for an FCA regulatory compliance consultancy, which is the kind of firm other firms hire to tell them whether their marketing is acceptable. Working to a rulebook and a sign-off route is our normal, not something we would be learning on your account.

We are not FCA authorised and we do not give regulatory advice. The claim is narrower and more useful than that: we are marketers who treat your constraints as part of the brief, and who write knowing somebody has to sign it off.

The proof

Square 4 Partners (FCA compliance): we roughly halved a financial-services compliance consultancy's average Google position, from about 28 to about 14, and held it there for nine months. On the specific FCA-compliance terms their buyers search, they rank on page one.

Straight framing: it is compliance rather than fintech, and it is the same rulebook and the same sign-off problem.

Read the Square 4 case study

Proof we can market inside these rules

Google Search Console showing Square 4 Partners average position improving from 16.8 to 14.6
Square 4 Partners, an FCA regulatory compliance consultancy we run search and ads for: 7,090 clicks in the last six months against 6,440 in the six before, with average position improving from 16.8 to 14.6. Screenshot taken 16 August 2026.

The Glide Retainer, from £1,000/mo

One monthly retainer covers the website, the search foundations, AI-search readiness and the ongoing work, with compliance built in. From £1,000 a month plus VAT, and no five-figure upfront bill.

See pricing
Answers

Fintech marketing, answered

The work is the same shape as any marketing: a website, search, content and ads. The difference is that a fintech has an approval route, and most agencies write copy that has to be rewritten once it reaches it. We write to the constraint first. That means knowing which regime you are authorised under, who signs your promotions off and what they will object to, then drafting so the first version clears rather than the third. The saving is mostly time, and time is what kills fintech campaigns.

From 7 February 2024 an authorised firm needs specific permission from the FCA, known as approver permission, before it can approve a financial promotion for an unauthorised person. The application window ran from 6 November 2023 to 6 February 2024. There are narrow exemptions, including approving promotions for unauthorised members of the approver’s own group and for its appointed representatives. The practical effect for an unauthorised fintech is that the pool of firms willing and able to approve your marketing got smaller, so approval takes longer and needs planning into the campaign timeline.

Yes. The Consumer Duty applies to firms authorised or registered under the Payment Services Regulations 2017 and the Electronic Money Regulations 2011, which includes payment institutions, electronic money institutions and registered account information service providers. The FCA has published a portfolio letter to payments and e-money firms on implementing it. For marketing, the consumer understanding outcome matters most: communications have to equip customers to make effective, timely and properly informed decisions, which in practice means plainer copy rather than more disclaimers.

It depends on what you are promoting and how you are authorised, which is exactly why the generic answer you get from most agencies is unhelpful. A firm promoting a regulated investment or credit agreement is in a different position from a payments firm, and an unauthorised firm is in a third position again. We are not your compliance function and we do not give regulatory advice. What we do is ask which route your copy goes through before we write it, then write to that route.

Yes, with verification. Google requires financial services advertisers targeting the UK to complete an advertiser verification process, and it covers every ad format. The two things that most often fail the check are an Ads account whose contact sits on a different email domain from the registered firm, and business details that do not match the register exactly, usually because of an old trading name or a domain that was never added. We handle the application and the account setup as part of the ads work.

No. We do not take crypto or digital asset promotion work, and we do not take payday or high-cost short-term credit. That is a standing decision rather than a judgement on any individual firm. It keeps our work inside the areas we can do well and defend, and it means the firms we do work with are not sitting alongside something that damages their own position.

The Glide Retainer starts at £1,000 a month plus VAT and covers the website, hosting, SEO foundations, AI-search readiness and compliance-aware marketing, with no setup fee and a three-month minimum, then 30 days notice. Google Ads management is separate from £500 a month plus your ad spend. A deeper ongoing SEO campaign is separate from £1,000 a month. We publish the prices rather than quoting per enquiry.

Only if it can read and understand what you do. Answer engines quote clear, self-contained passages from pages they can crawl, and they lean on structured data, plain product descriptions and third-party mentions. Most fintech sites are built to impress investors rather than to be understood, so they get skipped. AI-search readiness is part of the retainer: schema, a machine-readable summary of the business, crawler access and content written in a form an assistant can lift and cite.

References on this page were checked against the FCA's published material and legislation.gov.uk in September 2026. Rules and guidance change, so if you are relying on a reference here, check it is current. If you spot something out of date, tell us and we will fix it.

We also work with

Same approach, different rulebook.

Financial advisers and IFAs

Your ads and landing pages count as financial promotions, which is the FCA term for marketing that invites someone to take up a regulated service. We market advice firms without turning growth into a compliance problem.

Regulated by FCA

Financial Advisers & IFAs

Mortgage and protection brokers

Written to clear your network’s compliance first time, so you spend your week on cases instead of rewrites.

Regulated by FCA

Mortgage Brokers

Accountancy practices

A trust-led website plus the practice automation that gives you your time back, and help with the MTD repricing conversation.

Regulated by ICAEW, ACCA or AAT

Accountants

Compliance consultancies and RegTech

Get found for the work you do: s166 skilled person reviews, the Consumer Duty, client money rules (CASS) and FCA authorisations. We already rank a firm like yours.

Regulated by FCA

Compliance Consultancies

How we market regulated firms

The other half: we build the tooling behind the marketing

Fintechs are usually good at product engineering and short of hands everywhere else. The marketing operations work falls between teams: approval trails kept in email, campaign evidence assembled by hand when somebody asks for it, onboarding chased manually because the CRM was never wired to anything.

We build the internal tools that carry that work instead, at a fixed price, live in weeks and yours to keep. It is the half of what we do that clients say they did not know to ask for.

What we build

Ready to market your fintech without the rewrites?

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