Finance has the highest RPM of any major YouTube category. Brokerages, neobanks, credit cards, tax software, and online business platforms all bid heavily for finance audiences, which pushes effective RPMs into the $20–$50 range against a YouTube average of $3–$8.
The United Kingdom is one of YouTube's most lucrative non-US markets. UK-heavy channels typically earn RPMs only slightly below US levels, and UK viewers are valued by advertisers as part of the broader tier-1 English-speaking bloc.
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Highest RPMs on the platform: 4–6x the YouTube average for tier-1 audiences.
Sponsorship demand exceeds inventory: top finance creators routinely turn away brand deals.
Tier-1 RPMs: UK ad spend is the second-highest English-language market globally, behind only the US.
Strong in football commentary, comedy, music, and lifestyle vlogging — long-running creator culture.
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Because the advertisers are willing to pay a lot per viewer. Brokerages, banks, credit-card issuers, and tax-software companies all earn $200–$2,000+ per acquired customer, which lets them outbid almost every other ad category. A finance YouTube viewer is the kind of viewer those advertisers most want to reach, and YouTube's auction passes that demand back to the creator as RPM.
You do not need credentials, but you do need to be careful with what you say. Channels that give specific investment advice without a license are running real legal risk, especially in the US under SEC rules. The safer path is education ("here is how index funds work", "here is how a Roth IRA works"), commentary on news, and personal experience ("here is what I do") rather than direct advice ("you should buy this stock").
Affiliate income is the largest line for many. Brokerage referrals can pay $50–$300 per funded account; credit-card affiliates pay $50–$500 per approval; tax-software partners pay $20–$50 per signup. Combined with above-average AdSense and brand deals from fintech companies, a 100K-sub finance channel can clear what a 1M-sub gaming channel earns just on YouTube ads.
Slightly below but in the same league. UK RPMs typically run 70-85% of US rates, depending on category. The big advantage UK channels have over the US is access to both UK and US sponsorship demand: an English-language channel with a UK audience can be sponsored by US brands targeting UK viewers, plus the entire UK brand-deal ecosystem on top.
Football commentary and analysis (a uniquely strong UK lane), comedy and sketch, lifestyle vlogging, music, and gaming. UK has produced some of the platform's longest-running creator empires in those categories. Tech, finance, and education are smaller in the UK than in the US but still substantial.