As Europe’s largest banks discourage new deposits, a score of British startup lenders see them as more crucial than ever.

Banks in talks with regulators for bank licenses in Britain are reworking their plans to rely even more on funding from deposits than from wholesale markets after the country voted to leave the European Union in June, according to a person familiar with the matter.

That’s in contrast with Royal Bank of Scotland Group Plc and HSBC Holdings Plc, which are discouraging some depositors as low and negative interest rates across Europe squeeze profitability.