APS financial (PRIVATE:APSF)

APS financial (PRIVATE:APSF)

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APS financial

APS is not a bank but a digital banking services provider that’s been leading the FinTech challenge to banks for more than 10 years. We know banks very well and how they operate. Our solutions offer pretty much everything a bank account does, but without many of the usual barriers. Our customers get solutions which are simpler, smarter and faster than most banks offer. We recognise the...

Sector: Financial
Website: www.apsfinancial.co.uk
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APS financial Snapshot

We’ve built our banking services to make managing money easy, for everyone. Whether you’re a credit-impaired consumer, a startup struggling to get a financial foothold, or a local authority processing payroll and benefits payments, APS has the financial services solution. Debit and credit products, bespoke services and open source technology that embraces the FinTech-led future of banking – we make your money work for you.

For consumers

There are more than eight million British consumers sick and tired of the barriers that make everyday banking a chore. For those who can’t get a bank account to those who think the banks should be doing better, our debit and credit services aren’t just an alternative but instead a leap forwards in design, delivery and functionality.

That’s why we’re now the primary banking services provider for 30% of our customers – a 200% increase in the last three years – and the primary complement account provider for the 70% who trust us with their security, online shopping and travel transactions.

8 million
UK adults are fed up with barriers in traditional banking

increase in primary customer accounts in three years


For businesses

More than 40% of our customers – startups and SMEs with up to nine employees in particular – have been declined a high street bank account or say they’re unhappy with them. That’s the equivalent of up to two million British businesses.

We’ve democratised our accounts, breaking down barriers for the fastest, easiest opening with online instant approval and access to essential payment solutions for every business. That makes us a smarter, easier and better value alternative to high street banks.

of our business customers have been declined a high street bank account

estimated gross value of SMEs to the UK economy


For public sector

We provide banking services to more than 25% of UK local government and have delivered benefits disbursements programmes for more than 140 different councils.

APS services are allowing more and more benefits recipients to move away from cash-based disbursements to secure, fully functioning online current accounts and all the benefits they bring.

of UK local government use our services

UK councils who’ve used our benefits disbursement programmes

Jim Jones


Jim has over 35 years of senior management experience in the banking, consumer lending and payment processing sectors. He is currently Executive Chairman at Qualpay.

Donald Dixon


Don Dixon is co-founder and Managing Director of Trident Capital. At Trident, he focuses on investments in IT Security, Business Services, Financial Payments, and Enterprise Software.

Simon Knight

Non-Executive Director

Simon’s career in consumer financial services spans more than 25 years in both the United Kingdom and internationally. He is currently CEO at John Charcol, independent mortgage experts.

Alessandro Hatami

Non-Executive Advisor

Corporate serial entrepreneur with a track record of delivering growth through digital at some of the world’s most respected companies in the payments, banking and financial services industries.

Rich Wagner

CEO & Board Director

Rich employed every bit of his 27 years of global financial services experience to found APS and turn it into the leading digital banking services provider in the UK.

Robin Dear

Finance & Board Director

Robin has spent half of his 30 years managing finance functions as a senior director for startups, SMEs and global brands including Citibank, Diners Club and Universal.

Paul Schooley

Credit Director

Paul’s 20 years in credit, risk and pricing optimisation for unsecured payment products has seen him facilitate significant revenue growth for the likes of NatWest and GE Capital.

Najlaa Taqi-Eddin

Marketing Director

Najlaa’s 24 years in consumer financial services have fine tuned her expertise in marketing cards, loans, mortgages and insurance with director level experience in Blue Chips like GE Capital and Barclaycard in the UK and US.

Nick Biggam

Commercial Director

Nick’s spent 25 years leading startups and established businesses in the UK and Europe. His expertise runs from B2B product innovation to service delivery and customer acquisition.

Matt Clare

Operations Director

Matt has spent 10 years delivering payment and card solutions across Europe, the Middle East and Africa for companies including GE Capital, Citibank and First Data.

David Rodwell

Legal & Compliance Director

David has spent 20 years in consumer and financial services law with legal and compliance roles for the likes of Which? Magazine, NatWest and Vanquis Bank.


Cottons Centre
Cottons Lane

44 (0)203 535 7100

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