This article showcases our top picks for the best United Kingdom based FinTech companies. These startups and companies are taking a variety of approaches to innovating the FinTech industry, but are all exceptional companies well worth a follow.
We tried to pick companies across the size spectrum from cutting edge startups to established brands.
We selected these startups and companies for exceptional performance in one of these categories:
- Innovation
- Innovative ideas
- Innovative route to market
- Innovative product
- Growth
- Exceptional growth
- Exceptional growth strategy
- Management
- Societal impact
Top United Kingdom FinTech Startups
Data sourced from Crunchbase and SemRush.
Celsius Network
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Celsius Network is a blockchain-based lending platform that is accessible through a free mobile app.
Zilch
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Zilch is a buy now, pay later app that allows its customers to shop wherever Mastercard is accepted.
Crowdcube
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Crowdcube enables individuals to invest in small companies in return for equity or an annual return.
Checkout.com
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Checkout.com is an API-based platform providing online payment solutions that improve the user’s checkout experience.
Freetrade
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Freetrade is a challenger stockbroker that offers free share trading in mobile phones.
Onfido
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Onfido is a technology company designed to automate the process of identity verification.
Monzo
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Monzo is a digital-only bank platform and marketplace that allows customers to access a range of products and services.
Zopa
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Zopa offers peer-to-peer loans with low rates, flexible terms, and no early repayment fees.
Starling Bank
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Starling Bank is a mobile banking platform that offers personal, joint, and business accounts.
Codat
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Codat is an API platform that provides real-time connectivity to the financial software used by small businesses.
TrueLayer
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TrueLayer is a fintech platform utilized to build financial apps that connect to bank data, verify accounts, and access transactions.
Nexo
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The World’s Leading Regulated Financial Institution for Digital Assets
Revolut
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Revolut is a financial services company that specializes in mobile banking, card payments, money remittance, and foreign exchange.
Tide
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Tide is a business banking platform with a mission to save small businesses time and money on their banking and admin.
Railsbank
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Railsbank is an open banking API and platform that gives regulated and un-regulated companies access to global banking.
Curve
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Curve is a banking platform that consolidates cards and accounts into one smart card and app.
Aave
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Aave is an open source non-custodial protocol on Ethereum for decentralized lending and borrowing.
GoCardless
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GoCardless is a payment company that makes collecting payments by direct debit easy for everyone.
Currencycloud
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Currencycloud specializes in a fully cloud-based platform for B2B cross-border payments.
PPRO
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PPRO is the top global provider of local payments infrastructure, powering growth for payment service providers.
Proportunity
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Proportunity is a financial services organisation made possible by technology.
Fly Now Pay Later
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Fly Now Pay Later is a fintech company that helps consumers split the cost of their travel in monthly installments.
Funding Circle
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Funding Circle is a lending platform for small businesses.
SaltPay
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SaltPay is a FinTech company dedicated to building a better future for merchants by servicing them through payment and management tools.
Atom Bank
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Atom Bank is a mobile banking application that offers a range of personal and business banking products.
Pomelo Pay
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Pomelo Pay helps you instantly take payments using just your smartphone.
gohenry
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Gohenry is a developer of a kids money management application helping young people to take part in the digital economy.
Capital on Tap
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Capital on Tap is a fintech company that provides small and medium-sized businesses with credit cards.
Moneybox
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Moneybox is a mobile savings and investment app that offers a range of saving and investment products including Lifetime ISAs and Pensions.
Azimo
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Azimo is an online money transfer company that provides a fast, secure, and low-cost alternative to legacy high street remittance services.
Ebury
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Ebury is a financial services company designed to empower small and medium-sized businesses that want to trade internationally.
TotallyMoney
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TotallyMoney puts customers right at the center of their credit data, helping them make smarter financial decisions.
Blockchain.com
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Blockchain.com is a platform that offers ways to buy, hold, and use cryptocurrency.
Monese
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Monese is a digital banking option that provides mobile-only, multi-currency accounts in countries across the European Economic Area.
Augmentum Fintech
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Augmentum Fintech is a FinTech fund that invests in early and later-stage FinTech companies.
Payhawk
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Payhawk is a financial system that combines credit cards, payments, expenses, and cash into one integrated experience.
Modulr
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Modulr is a fintech company that provides Payments as a Service API for digital businesses.
Marshmallow
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Marshmallow is a full-stack insurance carrier driven by technology.
Paysend
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Paysend is a financial technology platform that enables any bank card (Visa or MasterCard) to send and receive money worldwide.
LendInvest
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LendInvest is the leading marketplace platform for property finance.
TransferGo
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TransferGo offers international money transfers for both migrant workers & businesses using their digital account-to-account business model.
Updraft
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Updraft is a part lending, part credit report, and part financial planning app for millennials. We turn borrowers into savers.
Paga
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Paga is a mobile payment company building an ecosystem to enable people digitally send and receive money, creating simple financial access.
Soldo
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Soldo is a multi-user expense account helping companies manage their budgets.
Wirex
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Wirex is a digital payment platform that aims to make crypto and traditional currencies equal and accessible to everyone.
Chip
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Chip is a savings and investments app that utilizes open banking technology to enable customers to deposit to investment funds.
MarketFinance
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MarketFinance is a FinTech company providing business finance solutions that help companies grow.
Nimbla
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Nimbla is dedicated to providing small and medium-sized UK businesses with dynamic invoice insurance.
Yapily
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Yapily offers API-based software to enable innovative products to connect to banks.
Stable
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Stable is a risk management platform that helps businesses around the world manage their exposure to volatile commodity prices.
Bitstamp
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Bitstamp allows companies and individuals from all around the world to buy and sell bitcoin, litecoin, ethereum, ripple, and bitcoin cash.
Barclays
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Barclays is a global financial services company that provides various financial products and services worldwide.
Wise
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Wise is a money transfer service allowing private individuals and businesses to send money abroad without hidden charges.
Bought By Many
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Bought By Many is a pet InsurTech company that provides insurance products and a streamlined customer experience.
Salary Finance
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Salary Finance partners with employers to improve employee wellbeing by helping get people out of debt and into saving.
Ondato
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Complete KYC and AML management suite that helps businesses onboard clients, authenticate users, and safely conduct their remote processes.
Storm2
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Storm2 operates as a recruitment marketplace for fintech.
Jaja
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Jaja is a fintech company that provides digital and physical credit cards and other financing services.
Cleo
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Cleo is a financial assistant designed for Gen-Z that is fighting for the world’s financial health.
Digital Horizon
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Digital Horizon is an international investment company that combines a venture fund and a venture builder. It invests at Series A onwards.
Form3
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Form3 is a cloud native payments-as-a-service platform that designs, builds, and runs the technology that powers the future of payments.
Ziglu
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Ziglu provides a digital platform that enables customers to exchange fiat currency for cryptocurrency.
ClearScore
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ClearScore is a financial technology company that provides credit scoring services and a marketplace.
iwoca
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Iwoca offers credit financing services for small businesses.
Wagestream
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Wagestream is a financial services firm that allows employees to stream their earned wages into their accounts through an instant app.
LATOKEN
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LATOKEN is the leading platform for multi-asset tokenization and cryptocurrency exchange.
FIDEL API
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Fidel API is a global financial infrastructure platform, providing tools to build powerful, real-time products on top of payment cards.
OakNorth
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OakNorth is the creator of the ON Credit Intelligence Suite – proven cloud software that transforms commercial lending
TradingView
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TradingView provides traders and investors with charts, tools, and social networking.
Zepz
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Zepz is a money transfer service that helps migrants send money to their loved ones all over the world.
Bottlepay
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Bottle Pay is an app company providing mobile payment, mobile banking, and financial services.
PrimaryBid
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PrimaryBid is a technology platform that allows everyday investors fair & equal access to investing in public companies raising capital.
Genesis Global
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Genesis Global is a low-code technology platform that helps financial institutions build new applications.
ClauseMatch
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ClauseMatch is a financial technology company that provides software-as-a-service platform for smart document management.
Vauban
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Vauban is the easiest way to pool & deploy capital to invest in private companies.
SumUp
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SumUp is a financial technology company that enables businesses to accept card payments at the Point-of-Sale or on the go.
Concirrus
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Concirrus support digital transformation of the specialty insurance industry using the latest developments in technology.
Moneyfarm
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Moneyfarm is a digital wealth manager that offers advice and investments.
Divido
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Divido is a global white label consumer lending platform for financial institutions and multinational retailers.
Meniga
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Meniga is a digital banking platform that helps banks, businesses, and individuals manage their financial data.
9fin
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The leading data, news and predictive analytics platform for debt capital markets
Habito
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Habito is a digital mortgage brokerage services company that offers a personal and modernized approach to the home buying experience.
10xbanking
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10xbanking offers a digital banking platform that will transform the way financial services providers operate.
Finimize
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Finimize is on a mission to empower its users to become their own financial advisers.
Verto
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We power cross‑border payments for the world’s fastest‑growing startups and enterprises.
BIMA
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BIMA provides digital health and insurtech services in emerging markets.
BondAval
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BondAval is a digital platform for B2B credit security to replace bank guarantees and traditional collateral-based instruments.
Assetz Capital
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Assetz Capital is a lending business that provides its services for SME finance, bridging, and property development sectors.
Capdesk
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Capdesk is an equity management platform helping companies manage cap tables, shareholder registers, and employee shares.
Griffin
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Griffin is a Banking-as-a-Service provider that helps companies build and launch financial services products.
Suade
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Suade’s is bridging the financial regulatory gap through modern technology, designed to prevent the next financial crisis.
Taptap Send
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Taptap Send is an app that lets immigrants send money back home at great rates
cheqd
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cheqd is building payment mechanisms for private and secure digital identity exchange
Clim8 Invest
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Clim8 Invest provides an app that allows individuals to invest in industries that work towards fighting climate change.
Bud
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Bud is a financial network combining APIs & data to create a new species of connected experiences.
Moneyhub
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Moneyhub is a financial technology company that provides open banking and finance solutions.
Paysafe
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Paysafe is a global payments provider offering a range of payments solutions for businesses and consumers.
Pento
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Pento provides a SaaS-based online platform intended to optimize payroll services.
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CoinShares is a digital asset management firm that provides financial products and services for professional investors.
Prodigy Finance
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Prodigy Finance provides postgraduate student loans to international students to attend a top school.