Does Santander UK accept unlicensed financial services businesses? (October 2026)
No
As of October 6, 2026, Santander UK plc (FCA / PRA) does not accept unlicensed financial services businesses, per its published policy.
What the policy says
Currently we’re unable to offer bank accounts to Payment Institutions (SPI, API), E-Money Institutions (EMI, SEMI), Payment Initiation Service Providers (PISP) and Account Information Service Providers (AISP).
Has this rule changed? Tell us
What founders report
No verified outcomes yet.