Penetration Testing for UK Fintech & FCA-Regulated Firms
CREST-accredited penetration testing for UK fintech: payments and e-money institutions, open banking providers, embedded finance and banking-as-a-service, lending technology and regtech. SYSC-aligned methodology, payment APIs, mobile banking, PSD2 SCA scrutiny. Live findings, free retests, 24-hour startup.
- Unlimited retesting
- Unlimited pre-retesting
- No hidden fees
“I would highly recommend EJN Labs to any organisation seeking reliable, detailed, and well-managed penetration testing services, particularly for government or enterprise-level projects.”
“There wasn’t another company we could find that could deliver what we needed in the timeframe we needed. The client loved it, and we got instant ROI from the engagement.”
FCA Handbook SYSC references your report maps to: SYSC 4.1.1R, 6.1.1R and 13. Each finding is tagged to the control reference so your team can submit it without translation.
What FCA Expects from Penetration Testing
SYSC Controls. FCA Handbook (SYSC 4.1.1R, 6.1.1R, 13) requires effective systems and controls, operational risk management, and customer data protection.
Annual Cadence. Pen testing is a core part of the ongoing technical assurance firms show supervisors. In our experience most regulated firms commission annually plus after major changes.
Audit Evidence. Reports must be acceptable as supervisor-return evidence. EJN reports map findings directly to SYSC control references your team can submit without translation.
Who we test for. Payment institutions, electronic money firms, open banking providers, embedded finance and banking-as-a-service platforms, lenders and regtech vendors. The systems we see most: payment and open banking APIs, merchant dashboards, wallets, card issuing, payment orchestration and KYC onboarding.
SCOPE
What We Test for UK Fintech & FCA-Regulated Firms
Web Applications
Onboarding, KYC, AML, account management. OWASP Top 10, IDOR, broken authorisation, SSRF, business-logic flaws.
iOS & Android Apps
OWASP Mobile Top 10. Certificate pinning bypass, insecure local storage, biometrics, runtime tampering, jailbreak/root detection.
REST, GraphQL, SOAP
OWASP API Top 10. PSD2 Strong Customer Authentication flows, broken object-level auth, mass assignment, rate-limit bypass.
Payments, Wallets & Payouts
Merchant dashboards, wallets, card issuing and payout flows. Balance consistency under race conditions, payout redirection, merchant isolation, webhook authenticity and the boundary between sandbox and production.
Network & Active Directory
External attack surface, internal segregation, AD attacks (Kerberoasting, ACL abuse), lateral movement, Domain Admin escalation.
Red Team Engagements
Multi-week assume-breach engagements modelled on real adversaries. Spear phishing, persistent C2, full kill-chain demonstration.
Phishing Assessments
Targeted campaigns against treasury, ops, finance, executive users. Credential harvesting, MFA bypass, susceptibility analysis.
OUR PROCESS
From Scope to Attestation in 4-6 Weeks
Scoping Call
30-minute technical scoping call. Define attack surface, methodology, rules of engagement, and timeline. Fixed-price quote within 24 hours.
Active Testing
3-15 days of hands-on testing by CREST-certified pen testers. Daily status updates and live findings delivered to your client portal.
Reporting
Executive summary plus full technical report with CVSS scores, reproduction steps, screenshots, and specific remediation. 60-minute walkthrough call.
Free Retest
After remediation, we retest at no extra charge. Letter of attestation provided for audit, regulator submission, or insurance underwriting.
CREDENTIALS
Verified Accreditations Auditors Accept
Every credential below is independently verifiable. UK procurement teams, FCA supervisors, ISO 27001 / SOC 2 auditors, and cyber insurance underwriters all recognise these standards.
GET YOUR QUOTE
Get a CREST Fintech pen test quote in 24 hours
A fixed-price quote back in one business day, from a named CREST assessor. No sales pipeline, no chasing.
- CREST and IASME accredited. Testing your auditors and clients already recognise.
- Fast-track testing within 24 hours where required. Free retest of every fix included.
- Live findings via your client portal, not a four-week PDF.
- Fixed price from £3,500 for a single-role, single-app scope, agreed up front. Most engagements run £5,000 and up. No day-rate surprises.
Dan WilcocksonFounder, CelloriUnder NDA Further named references available on a scoping call.
- We reply within one business day with a fixed-price quote from a named CREST assessor.
- You approve the scope and we book a start date, usually within 24 hours.
- Live findings land in your client portal as we test, with a free retest of every fix.
Get your fixed pen test quote in 24 hours
Quote request received
We will reply within one business day with your fixed-price quote from a named CREST assessor.
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or book a 20-min scoping call first
We reply within one business day. Your data stays with us. No newsletter signup.
COMPLIANCE READY
Reports Aligned to Every Framework
Findings map to specific control references in each framework, so your audit team submits the report directly without translation work.
FCA SYSC
SYSC 4.1.1R, 6.1.1R, 13 controls mapped to each finding.
ISO 27001
Annex A.12.6.1 technical vulnerability management.
SOC 2
CC4.1 monitoring and CC7.1 system operations.
PCI DSS
Requirement 11 across cardholder data environments.
PSD2 / Open Banking
FAPI 1.0 Advanced security profile, SCA flow scrutiny.
UK GDPR
Article 32 effectiveness testing, customer data protection.
PRICING
Indicative Engagement Pricing
Fixed-price quotes confirmed during scoping. Free retest, executive summary, walkthrough call, and letter of attestation included.
Depends on service + scope
External / web / API / mobile single-target engagement. CREST-certified delivery. Around 3 to 5 working days from kickoff to report.
Get a fixed quoteDepends on service + scope
Multi-target combined engagement (web + API + external + AD), or single complex target. Typically 7-10 days.
Get a fixed quoteDepends on service + scope
Full-stack engagement (multiple cloud accounts, hybrid AD, complex web + API + mobile). Typically 12-15+ days.
Get a fixed quoteWHY EJN LABS
What You Get From Fintech Penetration Testing
Six concrete differentiators competitors don’t all match.
CREST-Certified Testers, Verifiable
Every test by a CREST-certified pen tester (CRT, CCT APP, CCT INF where applicable). Verify our company status at crest-approved.org.
24-Hour Startup, Where Required
From signed scope to active testing in a single business day for incident response, audit deadlines, or regulator-driven timelines.
Live Findings, Not 4-Week PDFs
Critical issues reported during testing through your client portal. Your team remediates while testing continues.
Audit-Ready Reports
Executive summary plus full technical report with CVSS scores and explicit framework mappings (ISO 27001, SOC 2, PCI DSS, FCA SYSC).
Free Retests, Standard
Verify remediation of every finding before close-out. Letter of attestation for audit submission included. Most competitors charge £1,500-£3,000 per retest.
UK-Based CREST Testers
Every engagement performed by vetted, UK-based CREST-certified testers, matched to your needs, security clearance, and compliance scope.
FAQ
Frequently Asked
How does EJN handle FCA notification during testing?
For non-disruptive penetration testing, FCA notification is not usually needed, but your own incident-response runbook may ask you to tell Compliance and the Board before testing starts. EJN provides a standard notification template covering scope, timing, kill-chain, and rules of engagement.
Will you test in production?
For most fintechs we test in a production-equivalent environment (UAT or staging that mirrors production with masked PII). Production testing is supported with explicit firm-side approval, restricted scope, real-time SOC coordination, and an incident-response liaison.
How does the report support our FCA SYSC evidence pack?
The technical report explicitly maps each finding to the relevant SYSC control reference plus ISO 27001 Annex A controls, PCI DSS requirements (where in scope), and Open Banking security profile clauses (where applicable). Your compliance team should be able to drop it into the next supervisor return without translation.
Can you test our Open Banking integration?
Yes. EJN tests Open Banking PISP/AISP integrations under the FAPI 1.0 Advanced security profile. Common findings include incomplete consent flow validation, missing client authentication, and weak JWS/JWE handling.
Multiple jurisdictions (UK + EU + US)?
Reports support concurrent UK FCA, EU EBA RTS, and US SOC 2 mappings. For PCI DSS scope spanning multiple cardholder data environments, segmentation testing is included. We do not deliver against US-only frameworks (FedRAMP, FFIEC) directly; partner referrals available.
Do you provide attestation letters for cyber insurance underwriting?
Yes. Requirements vary by insurer and policy. After remediation and the free retest we issue a letter of attestation for broker submissions, FCA evidence packs, ISO 27001 Stage 2 audits and SOC 2 Type II controls, and we tailor its wording to the questions your broker or insurer asks where requested.
What sectors of fintech do you serve?
Payment institutions and e-money firms, open banking providers, embedded finance and banking-as-a-service platforms, retail banking, wealth management, neobanks, lending platforms, regtech, crypto-asset firms (where FCA-registered), insurtech and accountancy SaaS. Crypto-asset engagements include smart contract audit; ask about our blockchain audit service.
What does a fintech test check that a standard web app test does not?
Money movement and consent: open banking consent scope and expiry, third-party token handling, merchant isolation, balance consistency, webhook authenticity, payout redirection, and whether anything in the sandbox reaches production.
What’s in the report?
Executive summary (board-ready), technical report with CVSS 3.1 scores, reproduction steps, screenshots, specific remediation guidance, and a 60-minute walkthrough call. Letter of attestation issued after free retest.
Do you sign NDAs?
Yes. We sign client-supplied NDAs as standard. Engagement data is protected under our ISO 27001 (BSI-audited) information security management system.
How quickly can you start?
From signed scope to active testing in 24 hours where required. Standard pipeline is 3-5 business days from initial scoping call to test start.
Are your testers UK-based and what certifications do they hold?
Every engagement is performed by vetted UK-based CREST-certified testers matched to your engagement based on security clearance, compliance scope, and sector specialism. Testers hold CREST certifications relevant to their discipline (CRT, CCT APP, CCT INF, CCSAM).
20+ CREST-accredited testing services in one place
Web, mobile, API, cloud, AI, infrastructure, red team. Pick the test that fits your environment.
Get my Fintech pen test scope
A CREST-certified pen tester will contact you within one business day with a fixed price aligned to your FCA SYSC and fintech compliance needs.
