Fintech Innovation Grants & R&D Tax Credits UK

Unlock Public Funding for Fintech Innovation

The UK is a global leader in financial technology, with thousands of firms driving digital transformation across banking, payments, insurance, and investment. From blockchain and open banking APIs to AI-driven fraud detection and ESG analytics, innovation is reshaping financial services. For fintech companies, access to Innovation Grants and R&D Tax Relief can play a pivotal role in accelerating development and de-risking early-stage investment.

FI Group helps fintech innovators secure public funding through a strategic mix of government-backed grants and Fintech R&D Tax Credits, supporting cutting-edge development with end-to-end expertise.

Innovation Grant Opportunities for UK Fintech Firms

UK and EU funding bodies frequently support fintech projects that deliver digital transformation, inclusion, or resilience across financial services. These grants aim to foster competition, modernise legacy systems, and build the infrastructure of future finance.

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Focus Areas for Fintech Grant Funding:

RegTech and compliance automation
Blockchain and distributed ledger technologies (DLT)
AI and machine learning in credit scoring or risk management
Open finance and embedded banking
Financial inclusion and digital identity
ESG data tools and sustainable investment platforms

Available Grant Competitions:

Innovate UK Smart Grants: Supports high-risk, high-potential digital financial innovation
EIC Accelerator and Horizon Europe: Funding for EU and associated country collaboration, including scalable fintech platforms
DCMS and SBRI Fintech Calls: Targeting payment infrastructure, digital assets, and regtech challenges
UKRI TrustTech Calls: Exploring resilience, privacy, and consumer protection in fintech services

FI Group identifies suitable calls, defines your grant-readiness, and provides technical writing and submission support.

Grants Management Service

Available Grant Competitions:

Innovate UK Smart Grants: Supports high-risk, high-potential digital financial innovation
EIC Accelerator and Horizon Europe: Funding for EU and associated country collaboration, including scalable fintech platforms
DCMS and SBRI Fintech Calls: Targeting payment infrastructure, digital assets, and regtech challenges
UKRI TrustTech Calls: Exploring resilience, privacy, and consumer protection in fintech services

FI Group identifies suitable calls, defines your grant-readiness, and provides technical writing and submission support.

Grants Management Service

Fintech

Latest Grants

Explore the latest innovation grants supporting fintech development, from digital finance solutions to regulatory technology and blockchain innovation in the UK.

Fintech R&D Claim Eligibility: What HMRC Looks For

Projects may qualify if they:

Involve overcoming technical uncertainties — e.g. building secure, scalable microservices architecture
Require systematic experimentation, trialling new tools, frameworks, or integrations
Deliver outcomes not readily achievable by existing professionals using standard tools

Common eligible costs include software development salaries, subcontracted technical expertise, cloud computing costs, and project overheads.

Can I Combine Grants and R&D Tax Relief for Fintech Projects?

Yes, but careful structuring is needed:

If a fintech grant is classified as Notified State Aid, the project must be claimed under the RDEC or merged scheme
FI Group ensures grant-funded costs are correctly isolated from self-funded R&D to avoid compliance risk
Combining schemes can still yield a high return — if handled correctly

Our dual-expertise across grants and tax helps you optimise funding without leaving value on the table.

Why FI Group for Fintech Innovation Funding?

Extensive experience supporting fintech, insurtech, and regtech startups and scaleups
UK-based consultants with software, data science, and tax expertise
Full lifecycle support — from opportunity scanning to audit-ready claims
Proven success navigating financial services regulations and funding schemes
Local presence in England and Scotland, supported by a 20-country global network

Whether you’re building AI-driven risk models, tokenised asset platforms, or secure digital wallets, FI Group helps you claim what you’re entitled to — with clarity and confidence.

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