Welcome to
Embark
Welcome to Embark

We provide the technology, expertise and operational support behind some of the UK’s leading investment propositions.

Embark Group is a leader in wealth technology solutions

Embark Group is a leader in
wealth technology solutions

We provide robust platform technology, giving our partners the tools and infrastructure they need to deliver and evolve their wealth propositions, while enhancing the client experience.

Our white-label proposition brings together the essential components of a comprehensive platform, backed by high-quality service and ongoing support.

Our products

Two people sit together in a circular woven hammock chair beside a waterfront, framed by palm trees and distant hills. Warm sunset light illuminates the scene, creating a peaceful atmosphere.

Embark pensions

We offer a range of self‑invested pensions to support different requirements. Option SIPP covers standard investments, while Full SIPP provides additional flexibility, including property and broader investment options.

We offer a range of self‑invested pensions to support different requirements. Option SIPP covers standard investments, while Full SIPP provides additional flexibility, including property and broader investment options.

A person in business attire looks out through large windows toward a blurred cityscape filled with lights from office buildings and urban infrastructure.

Stocktrade

Stocktrade is an execution only stockbroking platform solution, built on market leading technology with first class trading support. Stocktrade enables UK wealth propositions to deliver equity trading covering UK, Europe and North American Markets.

Stocktrade is an execution only stockbroking platform solution, built on market leading technology with first class trading support. Stocktrade enables UK wealth propositions to deliver equity trading covering UK, Europe and North American Markets.

Close-up of a person holding and interacting with a tablet. The screen illuminates the face and glasses, highlighting the use of digital technology in a contemporary workspace.

White-label platform

We support a range of wealth management propositions, from full platform solutions to off‑the‑shelf models, helping partners maintain and evolve their offering.

We support a range of wealth management propositions, from full platform solutions to off‑the‑shelf models, helping partners maintain and evolve their offering.

Services we offer

Embark Group provides wealth technology solutions, supporting over 466,000 investment accounts and £42.9bn in assets under administration.

We work with established financial services partners to deliver the infrastructure and expertise required to support their long-term needs.

Our capabilities enable partners to develop and maintain their own wealth propositions, supported by a flexible range of technology and operational services.

A group of people enjoy an outdoor activity on a beach at sunset, running alongside large circular hoops. The low sun creates silhouettes and warm golden light across the shoreline and water.

Embark SIPPs

Whatever your client’s retirement needs, our range of Embark self-invested pensions is designed to meet them.

  • For clients that want access to straightforward, standard investments we have our Option SIPP.
  • For a more bespoke solution, our Full SIPP is suitable for clients who require property expertise, greater diversity, and wider investment flexibility.
  • Property investment is available through our Full SIPP.Our property team has over 20 years’ experience in buying, administering, and selling commercial properties in pension plans.

If your client’s circumstances change, so can the type of SIPP, thereby accommodating differing investment requirements throughout an individual’s lifetime.

Man wearing glasses reflecting digital data, focused on a computer screen in a dimly lit environment.

Stocktrade – first class execution-only stockbroking since 1993

Through our Stocktrade brand, we provide flexible trading access that can be configured to suit your requirements. Our market leading technology is responsible for £2.4bn AUA across 14,000 accounts.

We offer:

  • Integration with third party providers and white labelled solutions.
  • Access to a wide range of financial instruments in major currencies.
  • Dedicated administration team specialised in supporting dealing for SIPPs.
A small group discussion takes place in a brightly coloured office environment. Three people are seated together, facing one another and participating in a workplace conversation.

Sharesave and platform dealing service

Sharesave is a tax-efficient cash saving scheme that lets employees save towards buying shares in their company through our Stocktrade brand. At the end of the savings period, you have the option to buy shares in your company, typically at a discount to the market price, or take out your savings in cash.

We can help you to enhance your existing benefits with the following solutions:

  • Corporate ISA & GIA solution – allowing your staff and shareholders to save for the short and medium-term, in addition to their workplace pension.
  • Bulk Dealing facilities for Save-As-You-Earn share schemes, Profit Share Schemes or Executive Option solutions.

Pension/platform dealing services

  • Most UK advised platforms work on a pooled transaction basis and don’t have access to real time market prices.
  • Our trade execution-only service, Stocktrade, can plug into platforms to provide access to global markets through various wrappers.
  • Our largest corporate partners are SSAS/SIPP providers whose clients want access to exchange traded instruments in various currencies.
A person wearing glasses views a tablet screen in a low-light environment. Reflections from the display and coloured lighting create a modern technology-focused appearance.

A market-leading White-label proposition

We offer an advanced User Interface (UI/UX) that can be white-labelled and integrated into your front end. For our clients this:

  • Improves the client journey through configurable UI.
  • Use our proprietary APIs to build your own-branded client experience.
  • Improve operational efficiencies via integrations into your tech stack.
  • Own the proposition through a range of investment and pension white-labelled products.
  • Improve risk and control management by accessing the extensive resources across Embark from propositions to compliance.

Our History

In January 2022, Embark became part of Lloyds Banking Group. The combination of the scale and financial strength of Lloyds Banking Group and Embark’s Wealthtech expertise and capabilities is enabling Lloyds to target growth within the investment market across B2B and D2C channels.

Working with a range of financial services partners, we provide the infrastructure and expertise that underpin a broad set of investment and retirement solutions.

2025
<strong>2025</strong>

January: LV= Platform Services launched for advisers.

2024
<strong>2024</strong>

April: Ready-Made Pensions launched for Lloyds Banking Group.

2023
Close up of the Scottish Widows Platform website homepage

July: Scottish Widows Platform is launched.

 

October: Ready-Made Investments launched for Lloyds Banking Group.

 

November: Halifax Share Dealing Ltd (HSDL) becomes part of Embark Group.

2022
Abstract close up of the Lloyds Banking Group website home page

January: Embark becomes part of Lloyds Banking Group.

2021
A person viewed from behind working with dual monitors, one displaying a graphic with the text "embark group"

January: Stocktrade brand is launched.

 

July: Embark Group, excluding Rowanmoor, announces sale to Lloyds Banking Group, subject to regulatory approval.

2020
Silhouette of a person standing on the shore at dusk, under a starry purple sky

March: Wealthify, the online investment platform, launched a new, fully digital Self invested Personal Pension, with Embark Group.

 

May: Advance by Embark platform business and Horizon by Embark fund business are launched.

2019
Two mounted screens displaying the Embark logo, with an ornamental plant on the left

January: Embark Pensions is launched to align new SIPP business going forward.

 

November: The Group agrees to acquire the advised and partnership client books of Alliance Trust Savings.

Announced acquisition of Zurich Retail Wealth and Horizon Funds businesses expanding the Group’s investment capabilities.

2017
Blurred image of people walking on a purple carpet, focus on their lower bodies

May: The Group acquired EBS Pensions Limited,expanding the Group’s SIPP and SSAS offering.

2016
Abstract image of glowing connections in a network on a dark blue background

February: Avalon Investment Services Limited acquired by the Group, bringing WRAP platform capabilities.

 

July: Rowanmoor Group PLC further expanded the Group’s SIPP and SSAS administration capabilities.

2015
Two individuals in business attire shaking hands, focus on handshake with blurred background.

January: Nutmeg (now JP Morgan Personal Investing) launched direct-to-consumer pension offering with help of Embark Services Limited.

2014
FNZ company logo on teal background

September: Commenced partnership with global technology partner FNZ to digitise and support operations.

2013
Abstract digital blue grid lines forming a technology-inspired pattern on a dark background

April: Embark Group acquired controlling stake of Hornbuckle.

Important documents

Below you will find links to key product information and regulatory documents related to the White-label platform.

Contact us

Please note, this form is for general enquiries only. Please do not provide any confidential information or business instructions. Embark will process your personal data as described in our data privacy notice, which explains how we use your information and your rights.

"*" indicates required fields

This field is for validation purposes and should be left unchanged.

Banking details

Find out more about our banking partners & the interest paid on Embark Accounts.

Consumer duty

As required by the FCA’s Consumer Duty, we have created documents with information about the products provided by Embark.