Discerning Chartered Accountants for Fintech Companies in the UK
ABM Chartered Accountants provides expert accounting for fintech companies across the UK, from early-stage startups to scaling payment businesses. Our ICAEW and ACCA qualified team handles FCA regulatory reporting, client fund safeguarding, R&D tax credits and tax planning for fintech businesses and individual founders.
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What Our Clients Say About Us
Hundreds of businesses across the UK trust ABM Chartered Accountants for reliable, expert, and genuinely personal accounting services. See why clients rate us as their most trusted financial partner.
Accounting Built for Fintech Companies
Fintech companies face accounting challenges that general accountants rarely handle. FCA capital requirements, client fund safeguarding, R&D credit claims, revenue recognition across transaction models and SEIS or EIS compliance all demand advisors who know how regulated fintech businesses operate.
ABM Chartered Accountants works with payment companies, e-money institutions, lending platforms, wealthtech providers and banking-as-a-service startups across England, delivering structured financial support for fintech businesses and individual founders. Every regulatory return, tax filing and company account is handled accurately.
Helping Fintech Founders Scale with Compliance
Fintech founders need more than basic compliance. ABM Chartered Accountants prepares FCA capital adequacy reports, safeguarding reconciliations, R&D claim schedules, revenue recognition policies and tax planning, giving founders clear visibility over burn rate, regulatory capital and investor reporting.
Whether you hold an EMI licence, operate as a payment institution, run a lending platform or are pre-authorisation, our ICAEW and ACCA qualified team adapts to your stage, keeping the business and individual founders covered on all regulatory obligations.
Our Accounting Services for Fintech Companies
We offer a full range of accounting, tax and advisory services for fintech companies, designed around the demands of FCA regulation, R&D claims and fintech businesses operating across the UK.
Accounting Solutions
Expert annual accounts, year-end reporting, and accurate financial statements for UK businesses.
Bookkeeping
Cloud-based bookkeeping with Xero, QuickBooks, and Sage to keep accounts accurate.
Corporate Tax
Corporation tax compliance, computations, and strategic planning for UK companies.
VAT
VAT registration, quarterly returns, and Making Tax Digital compliance for UK businesses.
Payroll
End-to-end payroll, PAYE, RTI submissions, and pension auto-enrolment managed on time.
Audit & Assurance
Statutory audits, independent reviews, and assurance services for confident financial reporting.
Business Advisory
Cash flow forecasting, growth planning, and advisory support for confident decisions.
Company Formation
Fast UK company formation, Companies House registration, and full HMRC tax setup.
Management Accounts
Monthly or quarterly management accounts with KPIs, variance analysis, and clear insights.
Why Fintechs Choose ABM Chartered Accountants
Sector Expertise
Strong grasp of FCA regulation, safeguarding and R&D claims.
Qualified Specialists
ICAEW and ACCA members experienced with fintech businesses.
Cloud-Based Delivery
Secure remote access to accounts and filings nationwide.
Supporting Fintech Companies Across the UK
ABM Chartered Accountants supports fintech companies and financial technology startups throughout England, from London and the South East to the Midlands, North West and beyond. Our cloud-based systems deliver specialist accounting to fintech businesses nationwide.
How We Work
Initial Consultation
Set Up and Onboard
Ongoing Support
We provide regular reviews and proactive advice to keep your finances optimised and HMRC-compliant.
Get in Touch Today
Whether you need help with your tax return, payroll, VAT, or business advisory, our qualified UK accountants are ready to provide clear, practical guidance for your specific needs.
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Fill in the form below and one of our expert accountants will contact you promptly to discuss your accounting and tax requirements.
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Frequently Asked Questions
Here are answers to common questions fintech founders, payment company directors and financial technology startups ask about specialist accounting.
How are client funds accounted for?
Client funds must be held in segregated safeguarding accounts, separate from operational money. Daily reconciliation is required. Accurate safeguarding records are essential for FCA compliance.
Can fintech companies claim R&D tax credits?
Yes. Developing payment technology, security systems, algorithms and API integrations often qualifies for R&D relief. Claims reduce corporation tax or generate cash credits for loss-making startups building their platform.
What are FCA capital requirements?
EMIs need minimum initial capital of around £305,000 with ongoing requirements at 2% of outstanding e-money. Payment institutions need £20,000 to £110,000 depending on activity. Capital must be maintained continuously.
How is fintech revenue recognised?
Transaction fees are recognised when the payment is processed. Subscription income is spread over the service period. Interchange and platform fees follow specific timing rules depending on contractual terms.
Are SEIS and EIS relevant to fintechs?
Yes. Early-stage fintechs often raise funding from SEIS and EIS investors who receive tax relief. Advance assurance from HMRC confirms eligibility before fundraising. Compliance with qualifying conditions must be maintained.
Can ABM support fintech companies nationwide?
Yes. ABM Chartered Accountants serves fintech companies across England using secure cloud-based platforms, delivering specialist accounting to payment firms, e-money institutions and financial technology startups.