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A UK and Spanish regulated custodian offering onboarding, trading, portfolio management and custody over API. It publishes both licence numbers, FSCS cover with its limit, custody arrangements and ISO 27001:2022, and lets firms launch as its appointed representative.
WealthKernel scores 3.1 out of 5 (62 out of 100) in the Buckingham Intelligence Wealth and Brokerage Infrastructure Index 2026 and ranks 6 of 11. It is strongest for UK and EU firms wanting tax wrappers and full investor protection, with 5 out of 5 for regulatory standing and asset protection and security. Not published or not stated on the pages read: pricing and published pricing.
Scores from the Wealth and Brokerage Infrastructure Index 2026.
| Segment | Score out of 100 | Rank |
|---|---|---|
| For fintech apps and neobanks | 58 | 6 of 11 |
| For banks and wealth managers | 69 | 3 of 11 |
| For brokers expanding abroad | 58 | 6 of 11 |
The score out of 5 is the overall score out of 100 divided by 20. Leader goes to the top three overall, Best for to the first in each segment, and Top rated for to a score of 5 out of 5 on a criterion. Awards cannot be bought.
Where it scores best, and where to check closely, as shown in each ranking.
UK and EU firms wanting tax wrappers and full investor protection.
What WealthKernel publishes on its own pages, read on 26 October 2026.
A UK and Spanish regulated custodian offering onboarding, trading, portfolio management and custody over API. It publishes both licence numbers, FSCS cover with its limit, custody arrangements and ISO 27001:2022, and lets firms launch as its appointed representative. Its asset list is narrower than most and pricing is not published.
| Fact | What the provider publishes |
|---|---|
| Assets | "fractional US and UK equities", money market funds and model portfolios; tax wrappers "ISAs, GIAs, SIPPs, and JISAs". |
| Regulatory standing | "WealthKernel Limited is authorised and regulated by the Financial Conduct Authority, no. 723719"; WealthKernel Spain authorised by the CNMV, "Official Registry No. 328". |
| Integration | Onboarding, accounts, trading and portfolio APIs; "With WealthKernel's Appointed Representative service, you can get to market faster without the need for an FCA authorisation." |
| Protection | "Cash and securities are held at tier 1 banking and sub-custodian partners"; FSCS "compensation up to £120,000"; "WealthKernel is an ISO 27001:2022 certified company." |
| Pricing | Pricing page not available; no fees published. |
| Date read | 26 October 2026 |
A fact that is not published is scored as not offered or, for a fee, as if it were high. It is never estimated.
Facts read on 26 October 2026 from: wealthkernel.com.
Each score with the evidence behind it.
Each criterion is scored 0 to 5 against the best published offer in the Wealth and Brokerage Infrastructure Index. 0 means not offered or not published. How it is scored
The other providers in the same ranking, ordered by score.
| Provider | Score out of 5 | Rank | Strongest for |
|---|---|---|---|
| Interactive Brokers | 4.4 | 1 of 11 | Brokers wanting the widest market access with published fees |
| Alpaca | 4.2 | 2 of 11 | Fintech apps wanting US shares, options and crypto through one API |
| Saxo | 3.5 | 3 of 11 | Banks and wealth managers wanting the widest instrument list |
| Upvest | 3.1 | 4 of 11 | European fintechs launching investing across many countries |
| Apex Fintech Solutions | 3.1 | 5 of 11 | US fintechs wanting a sandbox and a branded app in weeks |
| DriveWealth | 3.0 | 7 of 11 | Global apps wanting fractional US shares and funds |
| Tiger Brokers | 2.9 | 8 of 11 | Licensed brokers in Hong Kong and Singapore wanting US and Asian markets |
| Seccl | 2.2 | 9 of 11 | UK advisers and fintechs wanting ready-made portals and pensions |
| lemon.markets | 1.9 | 10 of 11 | German and EU fintechs wanting a BaFin-licensed brokerage API |
| FNZ | 0.8 | 11 of 11 | Large institutions replacing several wealth platforms with one |
Side by side on every criterion, fact and award.
Head-to-head comparisons cover pairs within the top five of each ranking. WealthKernel is compared with its alternatives in the table above.
Tell us what you need and where you operate.