Compliance-First Marketing Automation for UK Financial Services
The FCA amended or withdrew 19,766 financial promotions in 2024. That's a 97.5% jump year-on-year. Fines hit £186.4 million in 2024/25 (up 337%), with 37 Final Notices and 5 criminal convictions. The Consumer Duty is rewriting the rules on client communication. And generic marketing platforms like Mailchimp and Klaviyo? They actively restrict or outright ban financial services content. If you're a mid-market firm, you're caught between platforms that won't have you and enterprise tools that cost £75,000+ a year.
Spotzee was built for UK-regulated financial services from day one. FCA compliance workflows, Consumer Duty monitoring, PECR-compliant consent management, WORM archiving. All core. Campaign triggers pull from Companies House filings, Red Flag Alert credit data, and Creditsafe reports. Commercial finance, insurance, banking, wealth management: Spotzee delivers compliant, data-driven campaigns from £500 per month. No lock-in contracts.
Built for your needs
Features that drive results
FCA Compliance Engine
Every financial promotion has to be fair, clear, and not misleading. Spotzee enforces that with pre-approval routing, mandatory risk warnings, automated content scanning, and WORM archiving. The FCA pulled or amended 19,766 promotions in 2024 and handed out £186.4 million in fines in 2024/25. You can't afford to treat compliance as an afterthought. It's baked into every workflow here.
Consumer Duty Ready
Since July 2023, the Consumer Duty has required firms to deliver good outcomes for retail customers. Spotzee supports that with outcome monitoring dashboards, vulnerable customer protections that adjust messaging tone and frequency, and fair value assessment tracking. Your campaigns show genuine duty of care, not just a ticked box on a compliance spreadsheet.
Companies House Integration
A new company incorporates in your target sector. A director changes at an existing client. An insolvency event flags risk in your portfolio. PSC (persons with significant control) changes signal an ownership shift. Each of these triggers a campaign automatically. Companies House data is public. Spotzee turns it into timely, relevant outreach.
Red Flag Alert Enrichment
Track credit deterioration, CCJ filings, winding-up petitions, and growth scores across your prospect and client base. A business in your pipeline starts showing signs of financial stress? A growing company just crossed a lending threshold? Spotzee fires the right campaign. Credit triggers turn data signals into real commercial opportunities.
Creditsafe Data
Credit risk data on 430 million+ global companies, accessible via REST API. Track credit score changes, payment behaviour shifts, and risk indicators across your client portfolio. For UK firms with clients expanding internationally, Creditsafe gives you a global view while keeping domestic credit monitoring front and centre as a campaign trigger.
PECR-Compliant Consent
PECR governs every marketing email, SMS, and call in the UK. Spotzee handles opt-in tracking with granular consent categories, automated unsubscribe processing, and full audit trails. If the ICO ever asks how you got consent for a specific communication, the answer is one click away. No digging through spreadsheets or email chains.
Multi-Channel Outreach
Email for detailed proposals and compliance docs. SMS for time-sensitive alerts and appointment confirmations. Direct mail for high-value relationship touches where a physical piece makes the difference. Spotzee coordinates all three in a single journey, with each touchpoint adjusting based on engagement and how your client prefers to hear from you.
Provider-Agnostic Sending
SendGrid, Postmark, Amazon SES, Twilio. You've probably already invested in sending infrastructure, and Spotzee doesn't make you tear it out. Plug in whichever providers you prefer and keep the deliverability reputation you've built. Need to switch later? Go ahead. Your campaigns carry over. Your infrastructure, our orchestration.
Managed Services
Two options. Fully managed: we handle strategy, copywriting, compliance workflows, sending, and reporting end to end. Or go hybrid: we run infrastructure and compliance while your team owns the content. Most firms start fully managed and bring things in-house as confidence grows. No six-month ramp-up. No guesswork.
How teams use Spotzee
Common use cases
Commercial Finance
Invoice factoring, asset-based lending, trade credit. Spotzee triggers campaigns from Companies House filings and Red Flag Alert credit data so you reach businesses right when they need funding. FCA requirements for credit promotions are handled automatically. Visit our commercial finance page for sector-specific triggers and use cases.
Insurance Brokers
Renewal automation, abandoned quote recovery, cross-sell campaigns. Policy dates and credit signals kick off retention sequences across email, SMS, and direct mail. Consumer Intelligence research puts auto-renewal retention at 95% versus 63% for manual processes. Check our insurance page for broker-specific workflows.
Banking & Building Societies
42 building societies and around 400 credit unions sit alongside UK retail banks, each with their own communication needs. Spotzee automates onboarding sequences, product cross-sell campaigns, and retention workflows. All with Consumer Duty monitoring and WORM archiving built in. Multi-channel journeys adjust based on how each customer actually engages.
Wealth Management & IFAs
Investment updates, portfolio performance summaries, referral campaigns. FCA rules on financial promotions apply to every single touchpoint. Spotzee makes sure risk warnings, past performance disclaimers, and approval routing are embedded in every campaign from the start. Not tacked on by advisers who have better things to do.
No Marketing Team? No Problem.
Most mid-market financial services firms don't have a marketing department. There's a compliance officer, a few relationship managers, and whoever drew the short straw on updating the website. Spotzee's fully managed model gets compliant, data-triggered campaigns running without you hiring a soul. We handle strategy, copywriting, compliance workflows, and reporting. You keep doing what you do best.
Common questions
Frequently asked questions
All plans include