Seccl Embedded Investment Platform

Seccl Technology Limited is a UK embedded investment platform, owned by Octopus and registered in Bath, England. It supplies API-first investment infrastructure so banks, neobanks, wealth managers and consumer brands can offer investing inside their own products without building custody and administration systems.

The platform covers accounts and tax wrappers, client onboarding, custody, trading, portfolio management, digital pensions, payments, fees and cash management, reporting and client or professional portals. Its subsidiary Seccl Custody Limited is FCA-authorised, and customers shown on the site include Monzo, Quilter Invest, Tide, Chip and MoneySuperMarket.

• Accounts and wrappers: investment accounts and tax-efficient account types.
• Onboarding and custody: client onboarding with custody of assets.
• Trading and portfolios: trading, portfolio management and transfers.
• Digital pensions: pension products embeddable in partner apps.
• Payments and cash: payments, fee and cash management services.
• Portals and API: client and professional portals plus a REST API and developer tools.

Vietnamese banks or e-wallets could study the embedded investing journey for launching fund or savings products in-app. Fund management companies could use the model to distribute funds through partner apps.

Lets banks and fintechs launch investing without building custody or administration systems. API-first design supports embedding the journey in an existing app. The site reports 1M+ investors, 6.2M transactions in a month and a Monzo migration of more than 300,000 investment customers. FCA-authorised custody subsidiary supports regulated operations.

Investing is moving into everyday money apps and banking apps, driving demand for embedded wealth infrastructure. In Vietnam and Southeast Asia, banks, super-apps and e-wallets are adding investment features and could use a similar embedded model, subject to local licensing.

Owned by Octopus; registered office in Bath, England, with an Edinburgh office. Established Seccl Ireland DAC in June 2026 as a first step into Europe. Site shows B Corp certification and an ISO certification logo.