
The Fintech Top 100 UK | 2025
John McCrea, updated: 15 May 2025
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 £768m in 2014 to a height of £7.18b in 2021.
And whilst investment in fintech has cooled since 2021 — as it has across most industries according to our annual equity report, the Deal — 2024 still saw a healthy £2.42b raised by UK fintechs.
We’ve ranked the top 50 most valuable fintech companies in the UK (using their latest pre-money valuation), sourced from data on the Beauhurst platform.
What is fintech?
Fintech, a portmanteau of “financial technology”, is an industry seeking to make financial services more efficient and accessible for businesses and consumers alike. This includes technology companies such as challenger banks, payment processors, budgeting apps and cryptocurrency startups.
Fintech companies often use artificial intelligence, machine learning algorithms, blockchain and automation, along with other kinds of digital banking technology. To learn more, check out our blog on the top London-based, early-stage fintech startups.
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The state of fintech in the UK
Fintech is one of the UK’s strongest startup sectors, with more than 1,800 high-growth fintech companies currently active and 18 fintech unicorns. Collectively, UK fintech companies have raised £31.0b in equity funding so far, with a staggering £21.4b 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.
In our ranking, we’ve included companies that are currently tracked by Beauhurst, with their head office in the United Kingdom.

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
Top 10 fintech companies in the UK
10.
OakNorth
Total amount raised: £637m
Established: 2013
Location: Manchester
Manchester-based OakNorth provides banking and finance services to entrepreneurs, growing companies, and individuals.
Incorporated in 2013, the company has been through three funding rounds, raising a total of £637m to date. The company also acquired Fluidly in 2022.
It took part in the Future Fifty accelerator programme and has featured on eight high-growth lists.
09.
Metro Bank
Total amount raised: £640m
Established: 2007
Location: Camden
Metro Bank operates a chain of high-street banks. Founded in 2007, the company has been through four funding rounds, raising a total of £640m. It has appeared on the 1000 Companies to Inspire Britain high-growth list four times.
The company acquired RateSetter in 2020, for £3.00m. And it underwent a £400m IPO in 2016.
08.
Zepz
Total amount raised: £711m
Established: 2019
Location: City of London
Zepz has created a digital platform that allows migrants and expats to transfer money to friends and family in other countries. It works across two brands: WorldRemit, an app that allows you to send money to over 130 countries, and Sendwave, which facilitates the transfer of money to friends and family in Asia and Africa.
This company has featured on a staggering 19 high-growth lists, including the Deloitte Fast 50 three times, 1000 Companies to Inspire Britain twice, and most recently, the London Tech 50 in 2020.
Altogether, Zepz has raised £712m in equity investment across nine funding rounds — its most recent being a June 2024 raise worth £209m, which saw the company valued at a princely sum of £3.93b.
07.
Starling Bank
Total amount raised: £715m
Established: 2014
Location: Tower Hamlets
Winner of the Best British Bank award for four consecutive years from 2018 to 2021, and in 2023 won Britain’s Best Current Account for the fifth year, Starling Bank also operates a challenger bank. It offers various consumer accounts (personal, joint, business, and euro) as well as business accounts with same-day setup, no monthly fees, and easy accounting tools.
Through the company’s mobile banking app, users also benefit from instant notifications on spend and income, no overseas fees, and 24/7 support. In 2021, the fintech company introduced its ‘Bills Manager’, helping customers to pay their bills on time and better manage their money. It allows users to automatically pay Direct Debits and standing orders from a Saving Space.
Starling Bank has secured £715m in equity fundraisings so far, through nine rounds, alongside a £100m innovation grant in February 2019. It also acquired Hampshire-based lender Fleet Mortgages in July 2021. In its most recent raise in April 2022, Starling Bank had a pre-money valuation of £2.61b.

10.
Total amount raised: £185m
Total equity rounds: 5
Established: 2014
Location: Oxford

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

8. Lendable
Total amount raised: £216m
Total equity rounds: 7
Established: 2014
Location: Hackney
06.
Zopa
Total amount raised: £725m
Established: 2017
Location: Tower Hamlets
Formerly a global peer-to-peer (P2P) lending platform, Zopa now operates an online bank. In December 2021, the London-based fintech firm announced its decision to close its P2P operations after 16 years, to focus more on its challenger bank offering. Zopa Bank was launched in 2020 and has been granted a full banking licence.
The company, which was established in 2004, has appeared on 10 high-growth lists between 2015 and 2024, its most recent appearance being on the Deloitte Fast 50 2024.
Zopa has raised £657m in equity across 14 rounds, including a £68m round in December 2024, giving the company a pre-money valuation of £840m. Participants in this latest raise included UK-based Augmentum Fintech and SilverStripe Investment Management,
in addition to US VC fund Davidson Kempner Capital Management and Danish fund A.P. Moller.
05.
SumUp
Total amount raised: £770m
Established: 2011
Location: Westminster
SumUp develops payment processing systems, including card reader devices, that allows sellers to process payments online and in-store.
Overall the company has raised £770m over eight rounds of funding. And in total has made six acquisitions.
The Westminster-based company has also featured on the Deloitte Fast 50 and 100 FinTech Disrupters high-growth lists.
04.
Revolut
Total amount raised: £1.26b
Established: 2020
Location: Tower Hamlets
Revolut provides a financial services and digital banking app where users can track and send money, trade cryptocurrency, and more. In December 2021, Revolut was granted a full banking licence by the European Central Bank and acquired both ePOS software provider Nobly and Wanted — the US-based online job marketplace — in quick succession.
To date, the company has secured £1.26b in equity investment across 10 funding rounds, with investors including Seedcamp, Index Ventures, Molten Ventures, Ribbit Capital, Schroders, and Tiger Global.
Revolut announced record profits of £438m in 2024, with a turnover of £1.80b. And off the back of this growth, the bank — which now has over 50m users worldwide — is planning to offer a private banking facility for wealthy individuals in 2025.
03.
Checkout.com
Valuation: £1.36b
Established: 2012
Location: Hackney
Checkout.com develops software that allows businesses to process online payments in multiple currencies. Since its incorporation in 2012, the company has acquired four companies, most recently acquiring ubble in 2022.
The company has attended two accelerator programmes, and featured on 11 high-growth lists including the E2E Job Creation 100 in 2024.

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

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

5. Quantexa
Total amount raised: £286m
Total equity rounds: 6
Established: 2016
Location: Lambeth
02.
Monzo
Total amount raised: £1.41b
Established: 2015
Location: City of London
Also operating a challenger bank is Monzo. Fully authorised and regulated by the PRA and FCA, over 10m people use Monzo to manage and spend their money around the world. The London-based fintech company employs over 3,100 people, with offices in London and Cardiff.
With an impressive 16 equity rounds under its belt, Monzo has secured £1.42b in equity investment so far, with investors including Accel, Coatue Management, Abu Dhabi Growth Fund, General Catalyst Partners, and Crowdcube.
In 2024, the company generated £880m in turnover — almost doubling its 2023 figures — and had a £3.13b pre-money valuation in its latest round in May 2024, based on the latest data from the Beauhurst platform.
01.
FNZ
Total amount raised: £1.42b
Established: 2005
Location: City of London
FNZ develops wealth management software and investment platforms in partnership with wealth managers, retail banks, life insurers and other financial services companies.
Throughout its lifespan, FNZ has acquired a huge 14 companies. Most recently, in 2024, it acquired French company ifsam.
Overall the company has only been through two funding rounds but has raised a massive £1.42b to date. It has also hit the Beauhurst Signal for scaleup as the company grew by at least 20% each year for three consecutive years.

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

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

2. Thought Machine
Total amount raised: £392m
Total equity rounds: 8
Established: 2011
Location: Islington

1. Graphcore
Total amount raised: £528m
Total equity rounds: 9
Established: 2016
Location: City of Bristol
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 181 new companies in 2019 to just 25 in 2024 — investment figures have remained strong. And in 2025, Revolut has reached a stage of growth where it can offer a private banking offering for wealthy individuals.
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.

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