The Fintech Top 100 UK | 2026

Lily Ruaah,
 Updated: 5 February 2026

The 2010s saw an explosion in fintech company activity in the UK, with household names such as Monzo, Starling Bank, and Revolut all launching their consumer-focused challenger banks. Putting this in perspective, investment in fintech companies accelerated from £844m in 2015 to a height of £7.79b in 2021.

And whilst investment in fintech has cooled since the post Covid peak — as it has across most industries according to our annual equity report, The Deal — 2025 still saw a healthy £3.24b raised by UK fintechs.

We’ve ranked the fintech companies by total equity raised, (all data sourced from the Beauhurst platform).

What is fintech?

Fintech is one of the UK’s strongest startup sectors, with more than 4,400 fintech companies currently active. This has increased 181% in the past ten years (2015-2025).

Collectively, UK fintech companies have raised £37.4b in equity funding so far, with a staggering £24.5b secured since 2020 alone.

As they continue to grow, these fintech startups and scaleup companies are successfully disrupting the traditional banking and financial services industry, and catalysing innovation amongst incumbent companies.

Methodology

To be included in this list of fintech companies, companies must be:

  • Headquartered in the UK
  • Operating in the ‘Fintech’ Beauhurst industry classification
  • Listed as ‘Active’ on Companies House

We’ve then ranked these companies by total equity raised.

And if you’re a Beauhurst subscriber, you can try this search for yourself.

All data for the analysis was taken from the Beauhurst platform, and is accurate as of 27 January 2026.

All data for the ranking list was taken from the Beauhurst platform, and is automatically updated weekly.

Top 100 fintech companies in the UK

10.

Total amount raised: £185m
Total equity rounds: 5
Established: 2014
Location: Oxford

Oxa develops software designed to power driverless vehicles, with technology that uses features such as cameras and lasers in order to sense and navigate the surrounding environment. In 2023, the UK government announced that Oxa had been included in their Advanced Manufacturing Plan, setting out £150m of investment to supercharge the self-driving vehicle sector. They have received £185m to date through five rounds of fundraising, including £113m in December 2022, aimed at selling its software to a wider range of industries and growing worldwide.

9. Callsign

Total amount raised: £215m
Total equity rounds: 5
Established: 2010
Location: City of London

Focusing on creating smooth customer interactions, AI company Callsign has produced technology for passive authentication, fraud prevention, and intelligence. Its proprietary technology uses artificial intelligence to mimic how humans recognise each other. In October 2021, Visa choseCallsign as their preferred behavioural biometric and device intelligence identity partner across Europe. Callsign is the world’s fastest-growing behavioural authentication and intelligence company. It has raised a total of £215m in investment, across five funding rounds. The company’s main investors include JP Morgan, AllegisCyber, and NightDragon Security.

8. Lendable

Total amount raised: £216m
Total equity rounds: 7
Established: 2014
Location: Hackney

Lendable is a fintech company developing a peer-to-peer lending platform for consumer finance. The company’s AI software matches users with appropriate investors, leveraging artificial intelligence and automated underwriting to quickly approve loans. Lendable also offers loans to those with lower credit scores to provide a fairer borrowing solution. Lendable has raised £216m, across seven funding rounds, since 2014. It’s expanded to offices in New York, Nairobi, and Singapore, and has featured in several high growth lists: 2022’s FT 1000, the Deloitte Fast 50 in both 2019 and 2020, and the Fast Tech Track 100, also in 2019 and 2020. Additionally, in 2018, Lendable participated in Addleshaw Goddard’s AG Elevate accelerator programme for scaling fintech startups.

7. Huma

Total amount raised: £236m
Total equity rounds: 10
Established: 2011
Location: Westminster

​​Huma (previously Medopad) is developing a web-based portal for hospitals and healthcare professionals to contain, manage, and collect health records. This data is then accessible to patients through a mobile app. Alongside its main goal of managing healthcare data, Huma also works on digital health insights and has developed wearable technology to detect digital biomarkers and assess health in real-time. Huma has been working with many organisations around the world, including the NHS, to monitor COVID-19 patients remotely. The AI company has secured £236m in fundraisings, from investors including Healthbox, Nexus Investments, Bayer, and NWS Holdings. In 2020, the company acquired two businesses: stress and productivity biometric startup BioBeats, and Tarilian, an optoelectronic sensor company that makes technology for measuring blood pressure and heart monitoring. They have since acquired Alcedis, developers of a platform for the digitisation of clinical trials that can be integrated with third-party systems, and iPLATO, developers of an app that improves patients’ access to GP practices through an online booking system, and provides a platform for healthcare campaigns.

6. Patsnap

Total amount raised: £251m
Total equity rounds: 4
Established: 2007
Location: Southwark

Patsnap has created a web-based platform to help clients assess intellectual property patents, with access to patent expiry dates, licensing, renewal, and legal information for tech companies. The lawtech company’s platform is powered by artificial intelligence algorithms and natural language processing, to parse patents and IP, as well as extract and cross-match critical information. It can even analyse more complex documents, like clinical trials, chemical structures patents, and litigation records. Patsnap has over 10k customers in over 50 countries, including big names like Tesla, Dyson, and NASA. So far, the company has secured £251m in investment, across four funding rounds.

5. Quantexa

Total amount raised: £286m
Total equity rounds: 6
Established: 2016
Location: Lambeth

Quantexa is a cybersecurity firm that develops AI technology to secure organisations’ data and flag illegal activity. It works closely with industries that handle large datasets (such as banking, e-commerce, and the public sector), to create analytical models that uncover data risk, reveal opportunities, and enhance decision making. The company is backed by AlbionVC, Dawn Capital, HSBC Enterprise Fund, and Accenture, among others. In its latest funding round, Quantexa raised £104m in investment. This took the company’s total fundraisings to £286m. Quantexa has attended both the Microsoft ScaleUp accelerator and Tech Nation’s Future Fifty accelerator. It has also appeared on several high-growth lists, including The Telegraph’s Tech Hot 100, Fast Track’s Tech Track 100, InsurTech 100, and the 2021 edition of The Regtech 100.

4. Gousto

Total amount raised: £321m
Total equity rounds: 14
Established: 2012
Location: Shepherds Bush

Gousto is a meal kit delivery service that provides exact ingredients and portions to customers with instructions on how to prepare the dish. The food tech unicorn, backed by celebrity fitness coach, Joe Wicks, and Japanese investment giant SoftBank, is powered by AI, a technology used since its founding. They have received £321m in funding to date, through 14 rounds of funding. The most recent of these was in February 2023, which saw £50m invested to support them during times of economic uncertainty. Their post-money valuation was listed as £239m. They have been named on a number of high-growth lists, including the FT 1000, Fast Track Tech Track 100, and Top 100 – Britain’s Fastest Growing Businesses. They also attended the Future Fifty accelerator in 2017.

3. Cera

Total amount raised: £366m
Total equity rounds: 9
Established: 2015
Location: Islington

Cera provides homecare, telehealth consultations, and prescription services, which can be managed through a mobile app, which also allows users to book appointments with nurses on demand. To date, they have secured £366m through nine rounds of fundraising. In August 2022, they raised £81.3m to invest in increasing their capacity to help more patients, a project that was invested into by 8090 Partners, Evolve Healthcare Partners, Guinness Ventures, and Jane Street, amongst others. They have attended DigitalHealth.London Accelerator, PwC Scale Programmes, and Govstart.

2. Thought Machine

Total amount raised: £392m
Total equity rounds: 8
Established: 2011
Location: Islington

Thought Machine develops fintech software Vault, which enables banks and financial services providers to centrally manage a range of products. Its core banking platforms can be used to run day-to-day operations, improving the cost, speed, and adaptability of legacy systems. Thought Machine’s software is accessed through an API and has a large artificial intelligence component. The AI company has raised £398m in growth capital so far, across seven funding rounds, with the likes of Molten Ventures (previously Draper Esprit), IQ Capital, Playfair Capital, and British Patient Capital. Its most recent fundraising, secured in July 2020, saw the company valued at £221m pre-money. Alongside new investors ING Ventures, JP Morgan Chase Strategic Investments, and Standard Charter Investments, this latest raise also saw Thought Machine reach unicorn status.

1. Graphcore

Total amount raised: £528m
Total equity rounds: 9
Established: 2016
Location: City of Bristol

Graphcore operates in the semiconductor processing chip industry, developing and manufacturing chips made specifically to accelerate artificial intelligence and machine learning tasks. Graphcore’s chips use Intelligence Process Unit (IPU) technology, housing 1,472 separate IPU-Cores, capable of executing 8,832 separate parallel computing threads. The Bristol-based AI startup has grown from strength to strength since 2016, with a total of nine funding rounds under its belt, which saw it reach unicorn status after just four years of trading. Graphcore has raised more than half a billion pounds in investment, and is partnered with large tech companies such as Microsoft and Dell Technologies. The company has offices in London, Cambridge, Oslo, Beijing, Seoul, and across the US.
Last Updated: 12 February 2026
Company Region Stage Employees Total Raised
1 FNZ London Established >1000 £1,957,285,156

FNZ

FNZ develops wealth management software and investment platforms in partnership with wealth managers, retail banks, life insurers and other financial services companies.

http://www.fnz.com/
Industries Application software Insurance Investment banking and corporate finance Robots and automation Technology consultancy and IT and telecommunications support Wealth, asset and investment management
2 Monzo London Established >1000 £1,416,764,617

Monzo

Monzo operates a challenger bank that can be accessed via its mobile app, where users can track and budget their money, instantly open a savings account, and access loans.

https://monzo.com/
Industries Application software Banking Budgeting and financial management Loans, debt and grants Wealth, asset and investment management
3 Checkout.com London Established >1000 £1,360,521,567

Checkout.com

Checkout.com develops software that allows businesses to process online payments in multiple currencies.

https://www.checkout.com/
Industries Application software Currency exchange Payment processing Risk and compliance
4 SumUp London Established >1000 £770,576,362

SumUp

SumUp develops payment processing systems, including card reader devices, that allows sellers to process payments online and in-store.

https://www.sumup.com/en-gb/
Industries Application software Electronics hardware Mobile, internet and wireless hardware Payment processing
5 Atom North East Established 500-999 £738,747,914

Atom

Atom provides digital-only banking services.

https://www.atombank.co.uk/
Industries Application software Banking Loans, debt and grants
6 Starling Bank London Established >1000 £715,499,966

Starling Bank

Starling Bank provides a mobile-based current account that allows users to track finances in real-time, utilising visualisations to aid in budgeting. It also offers its core technology to the banking market as a SaaS product, Engine by Starling .

https://www.starlingbank.com/
Industries Application software Banking Data provision and analysis
7 Metro Bank London Growth >1000 £640,750,000

Metro Bank

Metro Bank operates a chain of high-street banks.

https://www.metrobankonline.co.uk/
Industries Application software Banking
8 OakNorth London Established 500-999 £637,224,516

OakNorth

OakNorth provides banking and finance services to entrepreneurs, growing companies, and individuals.

https://oaknorth.co.uk/
Industries Accountancy and tax Banking Investment banking and corporate finance Loans, debt and grants
9 Dojo London Established >1000 £470,692,748

Dojo

Dojo provides credit and debit card machines and payment processing software to small and medium size businesses.

https://dojo.tech/
Industries Application software Data provision and analysis Payment processing
10 Allica Bank London Established 500-999 £444,608,474

Allica Bank

Allica Bank operates a branchless bank targeted at both businesses and consumers, run through an online banking platform and a network of local bankers.

https://www.allica.bank/
Industries Application software Banking Loans, debt and grants Wealth, asset and investment management
11 Blockchain.com North West Growth 500-999 £443,506,442

Blockchain.com

Blockchain.com develops an online cryptocurrency wallet and also provides a range of search tools, statistics and charts for cryptocurrency markets.

https://www.blockchain.com/
Industries Application software Data provision and analysis Investment banking and corporate finance Payment processing
12 Thought Machine London Established 500-999 £442,944,287

Thought Machine

Thought Machine develops a cloud-based banking and payment platform.

https://www.thoughtmachine.net/
Industries Application software Banking Investment banking and corporate finance Payment processing
13 GoCardless London Established 500-999 £392,209,663

GoCardless

GoCardless develops a platform that allows companies to make and receive payments online via direct debit.

https://gocardless.com/
Industries Application software Banking Payment processing
14 Tandem North West Established 500-999 £361,910,823

Tandem

Tandem is developing an online retail bank with a focus on green finance, including green fixed and instant access savings accounts.

https://www.tandem.co.uk/
Industries Application software Banking Loans, debt and grants
15 Teya London Growth 500-999 £358,335,089

Teya

Teya develops payment processing and point-of-sale technology for merchants.

https://teya.com/
Industries Electronics hardware Mobile, internet and wireless hardware Online retailing Payment processing Physical retailing
16 Smart London Established 500-999 £353,432,514

Smart

Smart develops a retirement planning software platform, to allow organisations to enrol employees and manage pension schemes.

https://www.smart.co/
Industries Application software Assistants, secretaries and administrative support Budgeting and financial management Data provision and analysis Human resources Wealth, asset and investment management
17 ClearBank London Established 500-999 £348,474,786

ClearBank

ClearBank operates a clearing bank that aims to increase efficiency and transparency in the banking industry through its software, as well as automating a number of processes and speeding up payment processing.

https://clear.bank/
Industries Application software Banking Payment processing
18 Stream London Growth 250-499 £278,544,958

Stream

Stream develops a software platform and mobile app, which integrate with payroll systems in order to enable employees to monitor and manage their earnings.

https://stream.co/
Industries Application software Banking Budgeting and financial management Data management Human resources Loans, debt and grants Rewards, loyalty schemes and vouchers Tutoring, training, coaching and skills development
19 10x Banking London Established 250-499 £258,316,173

10x Banking

10x Banking develops an open banking platform for the financial services industry.

https://www.10xbanking.com/
Industries Application software Banking Data provision and analysis
20 Funding Circle London Established 500-999 £255,782,299

Funding Circle

Funding Circle develops an online funding platform which aims to connect investors with small businesses looking for loans.

https://corporate.fundingcircle.com/
Industries Application software Funding platforms Loans, debt and grants Online marketplace
21 Paddle London Established 250-499 £251,571,624

Paddle

Paddle develops payment software that provides a range of services to businesses, including payment processing, invoicing, currency exchange and customer analytics and insights.

https://www.paddle.com/
Industries Application software Customer support Data provision and analysis Payment processing
22 Tide London Established >1000 £239,380,213

Tide

Tide develops a banking and financial services app aimed at small businesses.

https://www.tide.co/
Industries Accountancy and tax Application software Banking Human resources Legal services Loans, debt and grants Payment processing
23 Fnality London Growth 50-99 £237,124,999

Fnality

Fnality operates a payment system, enabling real-time peer-to-peer payments for banks and businesses.

https://fnality.com/
Industries Application software Banking Data management Payment processing Technology consultancy and IT and telecommunications support
24 CloudPay South East Established >1000 £234,739,307

CloudPay

CloudPay develops cloud-based software that enables multinational organisations to manage their payroll.

https://www.cloudpay.com/
Industries Accountancy and tax Application software
25 Form3 London Growth 250-499 £228,315,123

Form3

Form3 develops internet-based software for businesses in the financial sectors, aiming to simplify procedures such as payment processing and clearing.

https://www.form3.tech/
Industries Application software Banking Payment processing
26 Oxbury North West Growth 100-249 £227,638,816

Oxbury

Oxbury operates a bank providing services to the agricultural sector, including offering savings accounts, farm loans and farm credit.

https://www.oxbury.com/
Industries Agriculture, land farming and forestry Application software Banking Loans, debt and grants
27 TradingView London Growth >1000 £218,026,711

TradingView

TradingView develops a charting platform for traders and investors.

https://www.tradingview.com/
Industries Application software Data provision and analysis Social media Trading platforms
28 Lendable London Established 500-999 £214,669,430

Lendable

Lendable develops a peer-to-peer lending platform for consumer finance that uses AI and automated underwriting to rapidly approve loans.

https://www.lendable.co.uk/
Industries Application software Credit ratings and scores Data provision and analysis Loans, debt and grants
29 Genesis London Growth 100-249 £199,195,905

Genesis

Genesis develops a software platform designed to increase productivity across the finance sector.

https://genesis.global/
Industries Application software Data management Data provision and analysis Investment banking and corporate finance
30 The Bank of London London Growth 100-249 £192,898,529

The Bank of London

The Bank of London operates a clearing, agency and transaction bank for corporate clients, as well as developing banking API software.

https://www.bankoflondon.com/
Industries Application software Banking Investment banking and corporate finance Payment processing
31 Soldo London Growth 250-499 £192,260,667

Soldo

Soldo operates a banking app for businesses which allows an unlimited number of people to use a single bank account, whilst tracking individual usage.

https://www.soldo.com/
Industries Application software Banking Payment processing
32 Monese London Growth 250-499 £185,463,752

Monese

Monese develops a mobile app and cloud platform that allows people to open multiple bank accounts in multiple currencies, for immigrants and expatriates opening bank accounts outside of their home country.

https://monese.com/gb/en
Industries Application software Banking
33 PaySend East of Scotland Established 250-499 £176,550,246

PaySend

PaySend allows users to send money online or via their app.

https://paysend.com/
Industries Application software Banking Payment processing
34 ClearCourse London Established 250-499 £175,164,001

ClearCourse

ClearCourse Partnership operates a partnership of technology-based companies, focusing on software development and provision, specialising in payment processing.

https://www.clearcourse.co.uk/
Industries Application software Graphic design Payment processing Technology consultancy and IT and telecommunications support
35 ClearScore London Established 250-499 £173,239,284

ClearScore

ClearScore provides financial services via their website and app, specialising in giving their customers free credit scores and reports.

https://www.clearscore.com/
Industries Application software Credit ratings and scores
36 Monument London Growth 100-249 £172,795,624

Monument

Monument operates an online bank that is aimed at more affluent customers.

https://www.monument.co/
Industries Application software Banking
37 Moneyfarm London Growth 100-249 £168,696,062

Moneyfarm

Moneyfarm operates an investment and asset management platform for individuals.

https://www.moneyfarm.com/
Industries Application software Budgeting and financial management Data provision and analysis Wealth, asset and investment management
38 Capital on Tap London Established 500-999 £164,192,628

Capital on Tap

Capital on Tap develops an online service through which small businesses and retailers can open an account and obtain a credit facility.

https://www.capitalontap.com/
Industries Application software Banking Loans, debt and grants
39 ThinCats West Midlands Established 100-249 £160,120,000

ThinCats

ThinCats runs online auctions for business loans.

https://www.thincats.com/
Industries Application software Data provision and analysis Investment banking and corporate finance Loans, debt and grants Private equity and venture capital
40 Behavox London Growth 100-249 £150,872,814

Behavox

Behavox develops software to assist companies in regulatory and compliance risk, with a focus on the financial services industry.

http://www.behavox.com/
Industries Application software Investment banking and corporate finance Risk and compliance
41 TerraPay London Venture 500-999 £146,651,721

TerraPay

TerraPay develops payment processing software.

http://www.terrapay.com/
Industries Application software Payment processing Risk and compliance
42 Sonovate Wales Growth 100-249 £144,450,000

Sonovate

Sonovate develops software and provides invoice financing for businesses, designed to ensure that the contingent workforce they hire gets paid accurately and on time.

https://www.sonovate.com/
Industries Accountancy and tax Data management Human resources Loans, debt and grants Personnel supply and contract outsourcing Recruitment, headhunting and talent management
43 Cleo London Established 250-499 £137,922,526

Cleo

Cleo develops money-tracking and budgeting software delivered through a chat interface.

https://web.meetcleo.com/
Industries Application software Budgeting and financial management Robots and automation
44 Fresha London Growth 250-499 £135,890,465

Fresha

Fresha develops an online platform for booking a range of beauty services, and for businesses to manage their appointments, records and financials.

https://www.fresha.com/
Industries Application software Assistants, secretaries and administrative support Beauty and cosmetics Data provision and analysis Human resources Marketing, branding and advertising Payment processing
45 Pollinate London Growth 50-99 £135,093,142

Pollinate

Pollinate develops software which aims to improve merchant acquiring for banks by integrating into their current systems, and provides merchants with digital tools and insights into their business.

https://www.pollinate.global/
Industries Application software Investment banking and corporate finance Payment processing Rewards, loyalty schemes and vouchers
46 Storfund London Growth 25-49 £134,200,167

Storfund

Storfund provides cash flow management services for e-commerce businesses.

https://storfund.com/
Industries Budgeting and financial management Online retailing Payment processing
47 Modulr London Growth 250-499 £133,453,879

Modulr

Modulr develops web-based payment processing APIs, designed to simplify how companies send and receive payments.

https://www.modulrfinance.com/
Industries Application software Loans, debt and grants Payment processing
48 Tractable London Growth 100-249 £133,298,807

Tractable

Tractable develops AI software designed to analyse photos of damage from car accidents and natural disasters for data based estimations of repair costs.

https://tractable.ai/
Industries Application software Data provision and analysis Insurance Repair, maintenance and servicing
49 Nutmeg London Exited 250-499 £126,805,475

Nutmeg

Nutmeg develops a digital wealth management service, with products including pensions, lifetime & junior ISAs and general investment managed by its in-house investment team.

https://www.nutmeg.com/
Industries Application software Budgeting and financial management Wealth, asset and investment management
50 Fly Now Pay Later London Exited 25-49 £122,179,817

Fly Now Pay Later

Fly Now Pay Later provides credit services to holiday goers, allowing them to spread the payment of their vacations over a series of instalments.

https://www.flynowpaylater.com/us/
Industries Application software Credit ratings and scores Loans, debt and grants Payment processing Travel agencies, travel planning and organisation
51 Freetrade London Growth 100-249 £120,139,600

Freetrade

Freetrade develops a fee-free platform for investing in stocks and funds.

https://freetrade.io/
Industries Application software Trading platforms
52 Codat London Growth 100-249 £118,261,554

Codat

Codat develops an API that allows developers to integrate financial systems into their business's product.

https://codat.io/
Industries Application software Investment banking and corporate finance
53 FINBOURNE London Growth 250-499 £117,943,578

FINBOURNE

FINBOURNE develops a data analytics platform aimed at the asset management industry, including tools such as portfolio management and data virtualisation.

https://www.finbourne.com/
Industries Accountancy and tax Application software Data management Data provision and analysis Investment banking and corporate finance Risk and compliance Wealth, asset and investment management
54 Featurespace London Established 250-499 £115,745,430

Featurespace

Featurespace develops software which uses machine learning to analyse customer activity, aiming to predict future individual behaviour. It also aims to prevent and intercept online fraud and optimise marketing conversions in real time.

https://www.featurespace.com/
Industries Application software Budgeting and financial management Data provision and analysis Security and surveillance
55 Chetwood Bank Wales Established 250-499 £113,651,916

Chetwood Bank

Chetwood Bank is developing an online-only bank.

https://chetwoodbank.co.uk/
Industries Application software Banking Loans, debt and grants
56 LendInvest London Established 100-249 £109,049,448

LendInvest

LendInvest operates an online peer-to-peer lending marketplace for real estate mortgages.

https://www.lendinvest.com/
Industries Application software Banking Estate agencies Funding platforms Loans, debt and grants
57 Revving South East Venture 10-24 £107,611,433

Revving

Revving develops payment and cashflow software that allows online businesses to receive advances on payments and to manage their revenue streams.

https://www.revving.io/
Industries Application software Investment banking and corporate finance Loans, debt and grants Payment processing
58 Salary Finance London Established 100-249 £104,586,320

Salary Finance

Salary Finance allows companies to give their employees financial advances with automatic repayment through pay-roll. This system is managed through software online.

https://www.salaryfinance.com/uk/
Industries Application software Investment banking and corporate finance Loans, debt and grants
59 DNA Payments London Growth 250-499 £100,000,000

DNA Payments

DNA Payments develops software that aims to provide more efficient payment services.

https://www.dnapayments.com/
Industries Application software Banking Payment processing
60 Moneybox London Growth 250-499 £99,846,288

Moneybox

Moneybox is a mobile app to provide easy access to shares and savings ISAs.

https://www.moneyboxapp.com/
Industries Application software Budgeting and financial management Wealth, asset and investment management
61 Plum London Growth 100-249 £98,965,359

Plum

Plum develops applications and software, which provides links to a users current account and automatically moves money to a savings account, adjusting to spending patterns of the user.

https://withplum.com/
Industries Application software Banking Budgeting and financial management Data provision and analysis
62 Aztec London Venture 50-99 £96,506,674

Aztec

Aztec develops a protocol for the Ethereum mainnet, which allows transactions to be carried out.

https://aztec.network/
Industries Application software Banking Security and surveillance
63 gohenry South East Established 250-499 £95,647,417

gohenry

gohenry provides pre-paid debit cards linked to a parent's account which can be given to children and monitored via online and mobile applications.

https://www.gohenry.com/uk/
Industries Application software Banking
64 Bud London Growth 100-249 £95,177,396

Bud

Bud develops a software platform that aims to collect and analyse customer transaction data for banking and financial services companies.

https://www.thisisbud.com/en-gb
Industries Application software Banking Data aggregation Data provision and analysis Risk and compliance
65 TransferGo London Established 250-499 £93,794,207

TransferGo

TransferGo has created an online payment system that enables its users to transfer money internationally.

https://www.transfergo.co.uk/
Industries Application software Payment processing
66 Liberis London Established 100-249 £92,654,461

Liberis

Liberis develops an embedded finance platform for small businesses.

https://www.liberis.com/
Industries Application software Investment banking and corporate finance Loans, debt and grants
67 Peak London Growth 250-499 £90,727,727

Peak

Peak develops AI-based software that is integrated into businesses' systems with the aim of using existing data to improve efficiencies and decision making.

https://peak.ai/
Industries Application software Budgeting and financial management Data management Data provision and analysis Marketing, branding and advertising Robots and automation Supply chain management
68 TotallyMoney London Established 100-249 £87,450,001

TotallyMoney

TotallyMoney.com offers its own credit card and insurance products; it has a price comparison website for financial products, such as loans and credit cards; and has developed online advertising technology that it claims enables financial services providers target the right audiences.

https://www.totallymoney.com/
Industries Application software Banking Credit ratings and scores Data aggregation Loans, debt and grants
69 Elliptic London Growth 100-249 £79,959,249

Elliptic

Elliptic develops anti-money laundering compliance software which uses blockchain analytics to guard against financial, crypto-currency enabled crime.

https://www.elliptic.co/
Industries Application software Banking Data aggregation Data provision and analysis Risk and compliance Security and surveillance
70 Perenna London Venture 50-99 £79,653,910

Perenna

Perenna develops software that aims to calculate and provide digital fixed-for-life mortgages.

https://www.perenna.com/
Industries Application software Banking Loans, debt and grants
71 Embark Group London Established 250-499 £79,099,001

Embark Group

Embark Group acquires, holds, and develops a range of financial service businesses with an emphasis on companies with capacities for scaled growth.

https://embarkgroup.co.uk/
Industries Application software Budgeting and financial management Investment banking and corporate finance Technology consultancy and IT and telecommunications support Wealth, asset and investment management
72 BVNK London Growth 250-499 £78,279,670

BVNK

BVNK provides a payment service that aims to integrate crypto and fiat currencies.

https://www.bvnk.com/
Industries Application software Banking Currency exchange Payment processing Trading platforms
73 CellPoint Digital London Growth 100-249 £75,620,858

CellPoint Digital

CellPoint Digital develops software designed to provide airlines and travel companies with payment management systems, including facilitating and managing a range of payment methods.

https://cellpointdigital.com/
Industries Application software Data provision and analysis Passenger airlines Payment processing Rewards, loyalty schemes and vouchers Technology consultancy and IT and telecommunications support
74 GSS London Venture 100-249 £74,194,255

GSS

GSS develops a collaborative platform for financial institutions that offers sanctions screening, compliance and regulatory services.

https://www.gss-rose.com/
Industries Application software Investment banking and corporate finance Legal services Payment processing Private equity and venture capital Risk and compliance Wealth, asset and investment management
75 Fidel London Growth 25-49 £73,993,514

Fidel

Fidel offers a service that allows businesses to set up customer loyalty schemes; customers utilise the scheme through a mobile app.

https://fidelapi.com/
Industries Application software Rewards, loyalty schemes and vouchers
76 Moneyhub South West Growth 100-249 £71,901,874

Moneyhub

Moneyhub develops software designed to allow businesses to aggregate and analyse customers financial data as well as facilitate rapid on-site payments via an API.

https://www.moneyhub.com/
Industries Application software Banking Data aggregation Data provision and analysis Payment processing
77 Chip London Growth 100-249 £71,897,478

Chip

Chip develops a savings account app that connects to the user's current bank account and uses artificial intelligence to determine how much they can afford to save, putting this away automatically.

https://www.getchip.uk/
Industries Application software Banking Budgeting and financial management
78 Habito South East Growth 50-99 £71,813,646

Habito

Habito develops a platform allowing consumers to compare and apply for mortgages, and access legal support.

https://www.habito.com/
Industries Application software Banking Data aggregation Loans, debt and grants
79 hyperexponential London Growth 100-249 £70,793,442

hyperexponential

hyperexponential develops pricing software for insurers.

https://www.hyperexponential.com/
Industries Application software Data provision and analysis Insurance Risk and compliance
80 Aspora Northern Ireland Established 50-99 £70,763,469

Aspora

Aspora provides a range of financial and banking services tailored to the Indian diaspora.

https://www.aspora.com/gb
Industries Application software Banking Currency exchange Insurance Payment processing Property and land assets investment

Unlock the full list of top 100 fintech companies

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The state of fintech in the UK

Fintech is one of the UK’s strongest startup sectors, with more than 4,400 fintech companies currently active. This has increased 181% in the past ten years (2015-2025).

Collectively, UK fintech companies have raised £37.4b in equity funding so far, with a staggering £24.5b secured since 2020 alone.

As they continue to grow, these fintech startups and scaleup companies are successfully disrupting the traditional banking and financial services industry, and catalysing innovation amongst incumbent companies.

The future of fintech companies in the UK

Whilst the number of new fintech company incorporations has contracted in recent years — from a height of 397 new companies in 2019 to just 77 in 2025 — investment figures have remained strong.

And with mainstream adoption of artificial intelligence and blockchain technology only increasing, companies including Lendable are augmenting existing fintech with greater innovations. With this in mind, it’s possible that — depending on broader economic conditions — that we could see another uptick in fintech company incorporations in the next few years.

FAQ

The top 100 fintech companies in the UK is a ranking of the most prominent UK-based fintech businesses, ordered by the total equity funding they have raised. It highlights companies operating across banking, payments, lending, wealth management, and financial infrastructure.

Companies are ranked according to the total equity raised to date. All funding data is sourced from the Beauhurst platform and updated automatically on a weekly basis to ensure the ranking reflects the latest investment activity.

To be included, a company must:

  • Be headquartered in the UK
  • Operate within the fintech sector, as classified by Beauhurst
  • Be listed as ‘Active’ on Companies House

This page provides a preview of the top 100 companies by displaying the top 50 companies. The full list, including detailed financial and growth data, is available to Beauhurst subscribers.

The companies on this list are updated weekly.

The list includes a wide variety of fintech companies, including:

  • Challenger banks
  • Payments and card providers
  • Financial infrastructure platforms
  • Lending and credit technology companies
  • Wealth management and investment platforms

Yes. The top 100 fintech companies ranking includes startups, scaleups, growth-stage firms, and established fintech companies, provided they meet the inclusion criteria.

Yes. The complete top 100 list, along with advanced filters, company profiles, and downloadable data, is available to subscribers of the Beauhurst platform.

All data is sourced from the Beauhurst platform, which tracks equity funding, company growth signals, and business activity across every private company in the UK and Germany.

The UK fintech sector benefits from a strong financial services heritage, supportive regulation, deep investor networks, and access to international markets. As a result, UK fintech companies have attracted billions in equity investment and continue to drive innovation in financial services.

Working with Beauhurst

Discover even more insights into fintech companies across the UK and Germany. The Beauhurst company data platform enables you to be among the first to find the next generation of industry-leading businesses — as soon as they show growth potential.

With our data, you can analyse market trends, download charts, and export the information you need to make finding the next hot companies effortless. And with up-to-the-minute data and industry-leading insights, we make finding new companies simple.

To see the platform in action, simply book a tour of the platform using the form below or, if you’re short on time, try one of our online platform demos.

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