Giving ethical lenders the tools to drive sales, reduce costs and enhance Members’ digital experience


incuto was founded on the basis that everyone deserves access to fair and affordable finance. We are a hosted banking technology platform, transforming community-based banks and lenders into true challenger banks. By enabling ethical lenders to better serve their communities, update legacy technology, digitise the user experience and improve access, incuto is driving Member engagement and sales for Credit Unions and Community Banks, as well as tackling the poverty premium whereby lower-income households pay more for finance.



1.1m accounts on platform


£151m savings in accounts


£19m in loan applications


45% click through on emails sent

Fintech company incuto was appointed by the Treasury earlier this year to administer the pilot and work with credit unions to ensure they can operate the account. The move is part of the Government’s drive to use innovative UK fintech companies to boost financial inclusion.
— John Glen MP, Economic Secretary to the Treasury and City Minister (on the PrizeSaver pilot scheme)

Customer Journey

In today’s 24/7, digital world, your customers’ expectations have changed. We offer a range of tools to Credit Unions, helping them drive sales up and costs down, as well as enhancing their Member experience. incuto enables faster, online applications, better communications and engagement, and easy-to-use online services.


Banking and Payments

Want to expand your customer base by connecting Members to a national network of free and easy-to-access banking services? We can help. incuto has strategic partnerships allowing your customers better access to their money, account numbers, sort codes, faster payments, credit scores and debit cards.


Back Office Automation

Legacy technology and paper-based systems create a barrier between you and your customer. We work in partnership with Credit Unions and community-based banks, offering cloud-based technology solutions which remove the pain of a technology overhaul, transforming the customer experience for Members. We can help you work faster, smarter and more efficiently.


Financial Education

incuto delivers so much more than back-office technology or servicing bank accounts – it’s about financial education, support, control and engagement of a group of people who are potentially vulnerable, financially and digitally excluded. We believe in tackling the poverty premium with better access to low-cost, affordable credit.

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incuto is already working with a large number of Credit Unions, community-based banks and lenders and will have over 1.2 million accounts using our technology by the end of this year. Want to know more? Drop us a line! We’d love to hear from you.

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