Finance YouTubers to Sponsor for Fintech and Investing Apps

Finance is the most expensive niche on YouTube to sponsor. In one agency's set of more than 4,000 matched deals, about 90% of finance and business mid-roll integrations priced between $50 and $200 per 1,000 expected views, with a median near $100¹. That's roughly two to ten times the $10 to $50 per 1,000 views that one rate guide gives as the general baseline².

Fintech brands pay it because one funded account can be worth a lot. This guide shows what finance YouTubers charge by source, a published fintech case with the real fees, the disclosure rules that matter more in finance than anywhere else, and how to measure funded accounts instead of views. It ends with a fast way to build your own shortlist and email the creators.

Facts and prices checked November 11, 2026. See something wrong? Tell us.

Key takeaways

• About 90% of 4,000+ matched finance and business YouTube mid-roll deals priced at $50 to $200 per 1,000 expected views, with a median near $100 (Creators Agency, 2026).
• Published rate guides put finance and investing integrations at $35 to $50+ per 1,000 views (1of10) and finance and crypto at $20 to $55 (Spansa), the highest of any niche they list.
• A published fintech case booked 3 finance channels with 80,000 to 180,000 subscribers for $11,000, $9,500 and $13,500 and reported about 2,016 funded accounts at about $27 CAC.
• The FTC says a sponsored video must disclose the deal inside the video, ideally in both audio and on-screen text, not only in the description.
• In 2022 Kim Kardashian agreed to pay the SEC $1.26 million for promoting a crypto token without disclosing the $250,000 she was paid, which shows finance promotion carries extra legal risk.

Why finance YouTube CPMs run so high

A sponsorship CPM is the creator's fee divided by the views you expect, times 1,000. If a creator with 60,000 average views asks $6,000, the CPM is $100.

Finance channels sit at the top of every published rate list. 1of10 ranks finance and investing first at $35 to $50+ per 1,000 views, ahead of B2B and tech at $30 to $50 and far ahead of gaming at $10 to $20². Spansa's aggregate puts finance and crypto at $20 to $55, also the top of its table³.

Three reasons come up again and again.

• Customer value. Spansa ties the high rate to lifetime value, since one converted viewer can be worth hundreds of dollars in financial products³.
• Buying intent. 1of10 says viewers who research money decisions are worth more to brands².
• Fewer ad dollars from YouTube itself. 1of10 notes finance creators often earn a smaller share of income from sponsors than gaming creators do, so they price each slot with care².

There's also a lot of demand. A sponsorship tracker that watches 129,386 channels counted 51,743 detected finance and business deals in the 12 months to January 2026, 7.8% of all deals it found⁴. You're competing with banks, brokers, crypto exchanges and budgeting apps for the same mid-roll.

Finance YouTube CPM benchmarks by source

No one publishes an audited rate card for YouTube. Every number below comes from an agency or tool that sells into this market, so use them as ranges, not prices.

Why the gap between $35 and $200? The Creators Agency sample is mostly US campaigns, 2021 through July 2026, and it counts only the creator's fee for making and posting the ad¹. Usage rights and exclusivity are extra. 1of10 adds 30% to 100% for paid usage rights and about 20% to 30% for 30 days of category exclusivity².

Price a finance integration before you email

Use 1of10's floor formula, median views times CPM divided by 1,000, plus production. Its own finance example is a channel with 60,000 median views at a $40 CPM, which is $2,400, plus $300 production, for a $2,700 floor. A dedicated video starts near $5,500².

At the Creators Agency median of about $100, the same 60,000-view channel would ask around $6,000¹. So a fair opening range for that channel is roughly $2,700 to $6,000 for one integration. If you also want 30 days of exclusivity, add 20% to 30%².

For a full breakdown across every niche, see YouTube sponsorship rates by views, subscribers and niche.

A published fintech case with the real fees

Creators Agency published a campaign for an unnamed fintech app in April 2026⁵. It's useful because it shows the prices asked, the prices paid and the funnel targets.

The setup

• Budget of $50,000 and a goal of at least 2,000 new funded accounts, at or below the brand's paid search CAC⁵.
• The brief asked for creators with a core personal finance or investing audience, around 60,000 average views, and targets of at least 1.5% CTR and more than 4% click-to-funded conversion⁵.
• The team built a 16-channel shortlist in about 45 minutes. Filters were at least 40,000 average views on recent uploads, real comments, and at least half of the last 90 days of videos on investing, credit or budgeting. The mix was 8 personal finance, 5 investing and 3 small business or side hustle channels⁵.

The deals

All three had 80,000 to 180,000 subscribers, 55,000 to 90,000 average views and posted weekly. Each deal was one mid-roll of 45 to 120 seconds, a pinned comment and the link first in the description, plus a small bonus tied to a target CAC, 45 days of category exclusivity and 60 days of paid usage⁵. The team's own guide was simple. Under a $75 CPM was an easy yes. Above $150 needed a strong reason⁵. Totals above are our sums of the published fees.

The results

In the first 30 days the agency reports just over 210,000 tracked views, a 2.3% combined CTR, a 4.8% blended click-to-funded rate, about 2,016 funded accounts and an effective CAC of about $27, below the brand's paid search benchmark⁵.

A caution on the math. If you multiply the published rates, 210,000 views at 2.3% is about 4,830 clicks, and 4.8% of that is about 232 accounts. The post doesn't explain how it gets to 2,016, so it may count conversions beyond those tracked clicks. Treat the case as proof that the process works, and plan your own budget with numbers you can check.

Finance channel types and how to build a shortlist

Finance YouTube isn't one audience. Match the channel type to the product before you look at price.

The fintech case used 8 personal finance, 5 investing and 3 small business channels on its first list⁵. That mix is a sensible default for a consumer app.

The 45-minute shortlist, step by step

1. Pick the topic and the country. A US brokerage shouldn't pay for a UK audience.
2. Set a minimum subscriber count so you skip channels too small to move numbers. The case booked creators with 80,000 to 180,000 subscribers⁵.
3. Open each channel and check the last 10 videos. Write down median views, not the best one.
4. Read the comments. Real questions about money are a good sign. Generic praise is not.
5. Check that at least half of recent uploads are on your topic, the same rule the case used⁵.
6. Find the business email and send a short ask for rates.

Steps 1, 2 and 6 are where most teams lose days. YouTube shows business emails one at a time, and many finance creators don't list a rate card. A contact database that filters YouTubers by subscribers, topic, country and language, and unlocks emails from your plan's allowance with no bot checks, turns that part into minutes. For more on the general method, read how to find YouTubers to sponsor your product.

Disclosure rules for finance sponsorships

Every sponsored YouTube video needs a clear disclosure. Finance adds a second layer of rules about what the creator is allowed to say.

The FTC baseline

The FTC says the disclosure should be in the video, not just in the description, and that viewers are more likely to notice it in both audio and on-screen text⁶. Words like "ad" and "sponsored" work. Vague tags like "sp" or "collab" don't⁶. And creators can't talk about their experience with a product they haven't tried⁶, so give them an account to use before they record.

Securities and crypto

In October 2022 the SEC charged Kim Kardashian for promoting EMAX tokens on Instagram without disclosing that she was paid $250,000. She agreed to pay $1.26 million, including a $1 million penalty⁷. The SEC chair said the law requires promoters to disclose when and how much they are paid to promote investing in securities⁷. If your product touches securities, the disclosure may need more than "ad."

Brokers in the US

FINRA began a sweep of how brokerages use social media influencers in September 2021. In its 2023 update it told firms to separate influencer programs from referral programs, add controls for influencers with large followings, vet their backgrounds and make sure supervision systems can monitor the content⁸. In short, the brokerage owns what the creator says.

The UK

The FCA's social media guidance, FG24/1, was published on March 26, 2024. It says unauthorized people, including influencers, who promote a regulated product without approval from an FCA-authorized firm may be committing a criminal offense⁹.

The practical rule for brands is simple. Your compliance owner signs off on the talking points before anyone records, and the contract names the required disclosure and any risk warning. Our YouTube sponsorship disclosure rules guide covers the FTC side in detail.

Offers that work for fintech integrations

A fintech offer has to get someone from a video to a funded account. That's a longer path than buying a T-shirt, so every step needs to be easy.

What the case asked for

• Three talking points and one required product screenshot moment in the brief⁵.
• Mid-roll placement between the 3 and 5 minute marks⁵.
• A pinned comment and the link first in the description, with two lines of context⁵.
• Screen recordings of opening and funding an account. Two of the three creators recorded the flow on screen. One used a story instead⁵.
• A separate landing page for each channel that matched how that creator framed the product⁵.

Offer ideas that stay inside the rules

• A sign-up bonus or fee waiver, written in the exact words your compliance team approves.
• A short walkthrough of a real feature, such as setting up a budget or an auto-deposit.
• No promises about returns. Investing claims need proof the advertiser has, and the FTC says brands shouldn't let endorsers make claims the brand can't back up¹⁰.

What to ask finance creators before you book

• Median views on the last 10 videos, not the best one.
• The audience split by country and by age. A US-only app needs mostly US viewers.
• Which finance brands they've worked with in the last year, and whether any are direct competitors.
• Whether they'll show the product on screen, such as opening and funding an account.
• Whether they accept a compliance review of talking points, and how fast they can turn edits.
• Their price for one integration, and separately for exclusivity and paid usage, so you can see what each term costs.

Creators who answer these quickly and clearly tend to be easy to work with. Creators who can't share median views or audience country are a risk at finance prices.

Keep the creator's voice. Give talking points, not a script, and let them show how they'd use the app. Our influencer brief template for YouTube sponsorships has a field-by-field layout you can copy.

How to measure funded accounts, not views

Views tell you reach. Funded accounts tell you whether the money came back. Set tracking up before the first video goes live.

1. Unique UTM links per creator. The case used one per channel⁵.
2. A unique code per creator as a backup for people who type the app name instead of clicking⁵.
3. A matching landing page per channel. The agency claims that aligning the page to the creator's framing can cut finance CAC by 15% to 30%⁵. Test that claim on your own funnel.
4. Track each stage. Views, clicks, sign-ups, approved accounts and funded accounts. CTR and click-to-funded are the two numbers the case set targets for⁵.
5. Read results at 30 days, then again later. The case's own lesson was to track assisted conversions from day one⁵, because people sign up days after watching.

Worked example

Say you pay $9,500 for an integration and the video gets 70,000 views in 30 days. That's a $136 CPM. If 2% click, that's 1,400 visits. If 5% of visitors fund an account, that's 70 accounts, or about $136 per funded account. If your paid search CAC is $150, the creator wins. If it's $60, renegotiate or move on.

For a full setup across codes, links and post-purchase surveys, see how to track YouTube sponsorship results.

Traps to avoid when you sponsor finance creators

• Paying for subscribers, not views. Price from median views on the last 10 videos. Creators Agency says expected views should come from at least 10 recent, similar videos with rare highs and lows removed¹.
• Ignoring the audience country. Spansa prices a Tier 2 audience such as Western Europe at 0.60 to 0.80 times a US audience, and lower tiers far less³. A US-only product shouldn't pay US rates for a global audience.
• Buying one video and judging the channel. One video is noise. The case planned quarterly campaigns with the best creators⁵.
• Letting legal see the script last. The case's lesson was to bring finance and legal in earlier to cut revision rounds⁵.
• Forgetting exclusivity and usage terms. They change the price by 20% to 100%². Decide what you need before you negotiate.
• Skipping the floor check. Some agencies say the minimum for a YouTube integration is almost always $1,000, even on small channels¹¹. Very small finance channels may not be cheaper per view.

If you sell to businesses rather than consumers, the same rules apply with smaller audiences. See how to sponsor tech and SaaS YouTubers.

Find and email finance YouTubers today

The slowest part of a finance sponsorship isn't the negotiation. It's building the list and finding who to email. Media List does that part.

• Find channels. Search YouTubers by topic, set a minimum subscriber count, and filter by country and language. Media List has 189,000+ YouTube channels with contact emails right now.
• Unlock the contact email from your plan's allowance, no bot checks, for each channel, next to its subscriber count and category.
• Save a list of your 15 or 20 best finance channels so your team works from one place.
• Send the outreach on Professional from built-in email campaigns. Ask each creator for their rate, median views and audience country, then follow up once.

Media List doesn't sell rates or view data. You get who to contact and how to reach them, so you can ask for rates yourself and keep the agency fee. Basic at $99 a month covers search, saved lists and exports. Built-in email campaigns come with Professional at $399 a month. Start a 3-day trial, pay $0 today and cancel anytime. Compare plans on the pricing page.

Questions, answered

How much does it cost to sponsor a finance YouTuber?

Most published ranges put finance integrations at $20 to $55 or $35 to $50+ per 1,000 views, and one agency's 4,000+ deal sample put about 90% between $50 and $200, with a median near $100¹²³. For a channel with 60,000 median views, that's roughly $2,700 to $6,000 for one integration.

Why is finance the highest CPM niche on YouTube?

A converted viewer can be worth hundreds of dollars to a bank, broker or app, and viewers are often researching a money decision²³. Many brands compete for the same channels, which pushes prices up.

Do finance YouTubers need to disclose sponsorships?

Yes. The FTC says the disclosure belongs in the video itself, ideally spoken and shown on screen, not only in the description⁶. Securities and crypto promotions carry extra rules, and one celebrity paid the SEC $1.26 million to settle charges over an undisclosed paid crypto post⁷.

What results can a fintech app expect from YouTube sponsorships?

One published case reported about 2,016 funded accounts at about $27 CAC from three integrations costing $34,000 in total⁵. Results vary a lot by offer and audience, so set CTR and click-to-funded targets and test a few channels first.

How do I find finance YouTubers to sponsor?

Filter channels by topic, minimum subscribers, country and language, check median views on the last 10 videos, then email the business contact and ask for rates. A contact database with YouTube filters speeds up the list and the email step.

Should a fintech brand buy integrations or dedicated videos?

Start with integrations. A dedicated video usually costs 2 to 4 times a 60-second integration², so test the channel with a mid-roll first and upgrade the creators who perform.

Related guides

• YouTube Sponsorship for Brands and How to Sponsor YouTubers
• YouTube Sponsorship Rates by Views, Subscribers and Niche
• How to Find YouTube Influencers to Sponsor Your Product
• How to Find a YouTuber's Business Email for a Sponsorship
• How Much Does It Cost to Sponsor a YouTube Video

Sources

1. Creators Agency, YouTube brand deal rates by niche 2026 (reviewed July 22, 2026), checked 2026-11-11
2. 1of10, YouTube sponsorship rates by channel size (August 24, 2026), checked 2026-11-11
3. Spansa on DEV, YouTube sponsorship rates in 2026 and what brands pay (April 2026), checked 2026-11-11
4. YouTube sponsorship tracker report, State of YouTube sponsorships (12 months to January 2026), checked 2026-11-11
5. Creators Agency, Finance YouTube creator campaign case study (April 4, 2026), checked 2026-11-11
6. FTC, Disclosures 101 for Social Media Influencers, checked 2026-11-11
7. SEC, SEC Charges Kim Kardashian for Unlawfully Touting Crypto Security (October 3, 2022), checked 2026-11-11
8. InvestmentNews, Finra encourages brokers to increase scrutiny and controls when using finfluencers (March 1, 2023), checked 2026-11-11
9. FCA, FG24/1 Finalised guidance on financial promotions on social media (March 26, 2024), checked 2026-11-11
10. FTC, FTC's Endorsement Guides, What People Are Asking, checked 2026-11-11
11. ADOPTER Media, YouTube Sponsorship Guide (updated August 6, 2026), checked 2026-11-11