Leading UK Fintech Startups to Watch in 2025 [Extended List]

We’ve made a list of the top 40 UK fintech startups to watch in 2025.

From digital banking and embedded finance to open banking infrastructure, AI-driven lending, and wealthtech platforms, these companies are redefining how money moves, grows, and is managed in the UK and beyond.

Whether it’s Revolut’s global financial superapp, Allica Bank’s SME-focused growth engine, or Abound’s AI-powered lending innovation, the UK continues to lead Europe’s fintech revolution, fueling financial inclusion, transparency, and smarter money management.

Let’s dive in.

1. Revolut

Industry: Financial Technology (Fintech)

Revolut is a global financial superapp offering a range of digital banking services, including payments, investing, and budgeting tools, all within a single mobile platform.

Location: London, England
Founded: 2015
Last Funding Round: $1.05M Series E in February 2025
Total Funding: Approximately $1.99B
Valuation: $75B
Number of Users: 65+ million globally
Growth Rate: Added over 10 million users in 2024; aiming for 100 million users by 2030

Key Features

Multi-currency accounts, international money transfers, debit and credit cards, stock and crypto trading, savings vaults, budgeting tools, insurance, personal loans, peer-to-peer payments, Buy Now Pay Later (BNPL), premium subscriptions like Revolut Ultra

2. Marshmallow

Industry: Fintech / Insurtech

UK-based digital insurance company providing fairer car and van insurance to people who have recently moved to the UK, leveraging data science to offer competitive pricing to underserved drivers.

Location: London & Budapest
Founded: 2017
Last Funding Round: $90M (April 2025) – Led by Portage Capital, BlackRock, Columbia Lake Partners
Total Funding: $90M
Valuation: $2B (April 2025)
Number of Users: Over 1 million drivers insured
Growth Rate: Annual revenue run rate of $500M; ranked 2nd fastest-growing company in Europe by Financial Times in 2023

Key Features

Data-driven pricing models, digital claims processing, mobile app, plans to launch lending products, expanding into broader financial services for migrants

3. Copper

Industry: Fintech / Digital Asset Custody

UK-based fintech offering institutional-grade infrastructure for digital asset custody, trading, and settlement. Known for its "Walled Garden" technology, Copper enables secure and compliant crypto trading and asset management for financial institutions.

Location: London, United Kingdom
Founded: 2018
Last Funding Round: £35M Series B (May 2021)
Total Funding: £49.3M
Valuation: £2B (2025)
Number of Users: Not publicly disclosed
Growth Rate: Revenue of $85.2M; 500+ employees; powers over 200 exchanges, trading firms, and payment processors

Key Features

Institutional-grade custody, trading, and settlement infrastructure; Walled Garden technology; prime brokerage services; regulatory approvals in Switzerland and Abu Dhabi; focus on U.S., European, and Middle Eastern markets

4. Monument Bank

Industry: Fintech / Challenger Bank

Digital-first bank targeting the UK mass-affluent segment with savings products, wealth management tools, and tailored lending solutions.

Location: London, United Kingdom
Founded: 2017
Last Funding Round: Series B, £40 million, November 2023
Total Funding: £135 million
Valuation: ~£1 billion (estimated)
Number of Users: 60,000+
Growth Rate: Rapid growth, preparing for Nasdaq IPO by 2027

Key Features

High-yield savings accounts, FSCS protection, in-app human support, wealth tracking tools, lifestyle membership benefits

5. Payhawk

Industry: Fintech / Spend Management & Corporate Cards

Integrated platform combining company cards, expense management, invoice processing, and multi-entity spend control to streamline finances for SMEs and enterprises.

Location: London, UK
Founded: 2018
Last Funding Round: Series B extension, $100M, March 2022 (Series B total $215M at $1B valuation)
Total Funding: ~$239M over five rounds
Valuation: $1B post–Series B extension as of Mar 2022
Number of Users: Operates in 30+ countries; serves enterprise clients globally (exact user count not disclosed)
Growth Rate: Revenue grew from ~$71 M in 2023 to ~$87.7 M in 2024 (~23% YoY); team size ~371 employees by 2024

Key Features:

Company cards (virtual & physical), real-time receipt capture and approvals, invoice automation, multi-currency IBANs, ERP/accounting integrations, budgets & compliance workflows, global spend dashboards, Mastercard and Visa integrations

6. Codat

Industry: Financial Software / SMB Data Integration API

Provides a universal API enabling fintechs and banks to sync small business accounting, payments, commerce, and payroll systems into client products, reducing integration cost and improving data access.

Location: London, UK
Founded: 2017
Last Funding Round: Series C, $100M in June 2022
Total Funding: $172M
Valuation: Approximately $825M post-money as of June 2022
Number of Users: Serves over 200 fintech and financial services clients
Growth Rate: 3× annual revenue growth in 2021, headcount doubled year-over-year; team ~230 employees as of mid-2022, revenue estimated $25–27M in 2022

Key Features

Unified SMB data API (accounting, banking, commerce, payroll), real-time data sync, standardized data mapping, developer-first SDKs, integrations across fintech platforms, scalable infrastructure for data access, support for multiple financial data types

7. ClearScore

Industry: Fintech / Personal Finance

UK-based fintech offering free credit scores, reports, and personalized financial product recommendations. ClearScore provides a marketplace for credit cards, loans, and car finance, earning commissions from financial service providers.

Location: London, United Kingdom
Founded: 2015
Last Funding Round: $200M (June 2021) – Led by Invus Opportunities, with participation from QED Investors, Blenheim Chalcot, and Lead Edge Capital
Total Funding: $200M
Valuation: $700M (June 2021)
Number of Users: Over 24 million globally
Growth Rate: Expanded operations to the UK, Australia, New Zealand, South Africa, and Canada; plans to list on the London Stock Exchange with a projected valuation of up to £1.2 billion

Key Features

Free credit scores and reports, personalized financial product recommendations, marketplace for credit cards, loans, and car finance, dark web monitoring, Open Banking integrations

8. ANNA Money

Industry: Fintech / Neobank / SME Financial Services

ANNA Money is a UK-based fintech company offering a business account and tax app for small businesses and freelancers. Services include invoicing, receipt management, bank reconciliation, and tax calculations.

​In 2024, ANNA Money received the Scale Up award for South West & South Wales at The Spectator Economic Innovator of the Year Awards, recognizing its innovative approach to simplifying financial admin for entrepreneurs. Additionally, ANNA secured the 26th position in Deloitte's UK Technology Fast 50.

Location: Cardiff, Wales, United Kingdom
Founded: 2017
Last Funding Round: Angel - II, March 6, 2023 – $2.7 million
Total Funding: Approximately $46.1 million over 6 rounds
Valuation: Estimated between $67 million and $110 million as of 2021
Number of Users: Over 100,000 small businesses and freelancers
Growth Rate: Achieved a 140.10% annual sales growth over three years

Key Features:

AI-powered invoicing, expense management, bookkeeping, tax calculations, business debit Mastercard, mobile app interface, real-time notifications, integration with accounting software

9. Elwood Technologies

Industry: Institutional Digital-Assets Trading Infrastructure (Crypto-Fintech SaaS)

Provides unified API access to global crypto exchanges, custodians, and liquidity venues via proprietary execution management (EMS) and portfolio/risk analytics (PMS) systems for institutional investors.

Location: London, UK
Founded: 2018
Last Funding Round: Series A, $70M in May 2022
Total Funding: $70M
Valuation: ~ $500M post-Series A
Number of Users: Not publicly disclosed; serves institutional clients integrating via API
Growth Rate: Revenue ≈ $30.9M in 2023; team ~214; recognized with Hedgeweek "Technology of the Year" award in 2024

Key Features

Unified EMS and PMS platform, execution analytics (PnL, risk, collateral monitoring), SOC 2 & ISO 27001 certified, regulated by FCA for security tokens/derivatives, institutional-grade order routing, portfolio-management dashboard, seamless connectivity to liquidity venues

10. Primer

Industry: Fintech / Payments Orchestration Platform

API-based drag-and-drop workflow system that enables e-commerce merchants to integrate and mix-match payment providers, fraud tools, tax services, and more via a single orchestration layer.

Location: London, UK
Founded: 2019 / early 2020
Last Funding Round: $50M Series B, November 2023
Total Funding: ~$73.2M
Valuation: $425M
Number of Users: Not publicly disclosed; serves dozens of mid-market and enterprise merchants
Growth Rate: Rapid growth—projected ~200% revenue growth in 2024; headcount grew from ~70 to ~200+ employees

Key Features

No-code visual payment workflow builder, unified API gateway to 45+ payment/fraud/tax integrations, intelligent routing and fallback logic, approval rate optimization, global payments orchestration without handling funds directly, real-time observability and automation layer

11. Atom Bank

Industry: Fintech / Digital Banking

UK-based digital-only bank offering fixed-term savings accounts, residential mortgages, and business loans, all managed via a mobile app. Atom Bank operates without physical branches, leveraging technology to provide a streamlined banking experience.

Location: Durham, United Kingdom
Founded: 2014
Last Funding Round: £100M (November 2023) – Led by BBVA and Toscafund Asset Management
Total Funding: £852M
Valuation: £362M (November 2023)
Number of Users: Not publicly disclosed
Growth Rate: Achieved first full-year pre-tax profit of £7M in 2023; loan book grew 39% to £4.1B; residential mortgage balances increased 55% to £3.2B; net interest income rose 31% to £100M

Key Features

Mobile-only banking, FSCS-protected savings, digital mortgages, business loans, four-day workweek for employees, plans for London stock market listing

12. VOLT Open Banking

Industry: Open Banking / Payments Gateway (A2A Payments)

Real-time payments platform enabling merchants and PSPs to process account-to-account transactions via connected APIs across banks in the UK, EU, and Brazil (coverage of 5,000+ banks).

Location: London, UK
Founded: 2019
Last Funding Round: Series B, $60M in June 2023
Total Funding: Over $87M
Valuation: Estimated just over $350M post-Series B in mid-2023
Number of Users: Not publicly disclosed; serves merchants like Shopify, Farfetch, Vestaire Collective, eToro
Growth Rate: Rapid expansion—launched into APAC and Americas post-Series B; team size grew to ~150 staff; coverage in 31 countries by late-2024

Key Features

Instant account-to-account payments, unified A2A gateway API, bank account ownership verification (Verify product), cash-management tools, fraud prevention, dashboards, real-time reconciliation, global expansion across UK, Europe, Brazil, APAC, and Americas

13. Soldo

Industry: Fintech / Spend Management

UK-based fintech offering a comprehensive spend management platform that combines prepaid Mastercard company cards with real-time expense tracking, budgeting, and seamless integration with accounting software.

Location: London, United Kingdom
Founded: 2016
Last Funding Round: $180M Series C (July 2021) – Led by Temasek
Total Funding: $260M+
Valuation: $278M+
Number of Users: 25,000+ businesses across Europe
Growth Rate: Recognized as a leading fintech company by CNBC in 2025; expanded operations to over 30 countries; processed billions in transactions

Key Features

Prepaid Mastercard company cards, real-time expense tracking, budgeting tools, automated reporting, integrations with Xero, QuickBooks, and Sage, mobile app for on-the-go expense management, customizable spending rules and limits

14. Curve

Industry: Fintech / Digital Payments

Curve is a UK-based fintech company that offers a digital wallet platform allowing users to consolidate multiple bank cards and accounts into a single smart card and mobile application. The platform provides features such as real-time spending notifications, expense tracking, and the ability to switch payment sources retroactively.

Location: London, United Kingdom
Founded: 2015
Last Funding Round: March 14, 2025 – Raised $47.9 million in Series C
Total Funding: Approximately $323 million over 13 rounds
Valuation: Estimated at $231 million as of April 2025
Number of Users: Not publicly disclosed; previously reported over 500,000 users in 2019
Growth Rate: In 2023, Curve reported revenues of £26.7 million, with a loss of nearly £36 million, indicating a reduction in losses compared to the previous year

Key Features

All-in-one smart card, mobile app integration, real-time spending notifications, expense tracking, ability to switch payment sources retroactively, zero foreign transaction fees

15. Yapily

Industry: Fintech / Open Banking Infrastructure

Yapily is a London-based fintech company providing an open banking infrastructure platform. It enables businesses to access financial data and initiate payments by securely connecting to thousands of banks across Europe through a single API. Yapily serves various sectors, including lending, accounting, wealth management, digital banking, payments, and crypto.

Location: Headquartered in London, United Kingdom
Founded: 2017
Last Funding Round: $51 million in Series B funding
Total Funding: Approximately $70.8 million over 5 rounds
Valuation: $231 million as of August 2021
Number of Users: Specific user numbers are not publicly disclosed
Growth Rate: Specific growth metrics are not publicly disclosed

Key Features

Account information services, payment initiation services, variable recurring payments, bulk payments, data enrichment, account validation, open banking connectivity, single API integration

16. Meniga

Industry: Financial Software (Digital Banking / Personal Finance Management)

Meniga is a fintech company that provides digital banking solutions, including personal finance management, data enrichment, and customer engagement tools. It serves over 100 million banking customers across 30 countries, partnering with major financial institutions to enhance their digital offerings.

Location: Headquartered in London, UK, with offices in Reykjavík, Iceland, and Warsaw, Poland
Founded: 2009
Last Funding Round: Series D, €15 million (~$16.17 million) in December 2023, led by Groupe BPCE, Crédito Agrícola, and Omega ehf.
Total Funding: Approximately $72.82 million over 13 rounds
Valuation: Not publicly disclosed
Number of Users: Serving over 100 million banking customers across 30 countries
Growth Rate: Reported increases include a 49% rise in monthly active users, 200% more time spent in-app, 24% more app sessions, 70% increase in new product uptake, and a 50% reduction in cost per acquisition

Key Features

Personal Finance Management (PFM), Data Enrichment, Hyper-Personalised Insights, Cashflow Forecasting, Smart Savings, Open Banking Capabilities, Sustainability Tracking, Customer Engagement Tools, Gamified Digital Banking Experiences

17. Weavr

Industry: Embedded Finance / BaaS / Open Banking for SaaS Platforms

Plug-and-play embedded finance infrastructure enabling digital businesses to embed banking, payment, card issuance, and mass payment capabilities without deep compliance or regulatory setup.

Location: London, UK
Founded: 2018
Last Funding Round: Series A, $40M, February 2022
Total Funding: $55M
Valuation: $210M as of early 2022 post-money
Number of Users: User base tripled post-Series A with over 340% growth in transactions within 12 months
Growth Rate: Users tripled after Series A; transactions surged over 340% in 12 months; revenue growth 3×; team grown from ~75 in 2021 to 100+; $22.9M revenue in 2025

Key Features

Plug-and-play APIs for payments and card issuance, open banking + BaaS integration, embedded Visa card issuance for HR SaaS, multi-PI payment orchestration, scalable compliance, global IBAN accounts and multi-currency support, Embedded Payment Run toolkit for AP optimization, developer-focused sandbox platform

18. Token

Industry: Fintech / Open Banking Payments

UK-based fintech providing account-to-account (A2A) payment infrastructure, enabling businesses to process real-time bank transfers via open banking APIs. Token.io supports “Pay by Bank” solutions, allowing users to pay directly from their bank accounts without intermediaries.

Location: London, United Kingdom
Founded: 2015
Last Funding Round: £32.8M Series C (May 2022) – Co-led by Cota Capital and TempoCap
Total Funding: $90M+
Valuation: £160–240M (2022)
Number of Users: Not publicly disclosed
Growth Rate: Expanded to 16 countries; partnered with major institutions including HSBC, Mastercard, and Volt; processed the UK’s first open banking-enabled payment in 2018

Key Features

Real-time bank transfers, open banking API connectivity, compliance with PSD2 regulation, support for Faster Payments and SEPA Instant Credit Transfer, integration with platforms like HSBC’s Open Payments solution

19. Plum

Industry: Fintech / Personal Finance / WealthTech

Plum is a smart money management app that uses artificial intelligence and behavioral economics to automate savings and investments. It connects to users’ bank accounts to analyze income and spending patterns, enabling automatic transfers to savings or investment accounts.

Location: London, United Kingdom (HQ), with an additional office in Athens, Greece
Founded: 2016
Last Funding Round: $19.6M April 14, 2025
Total Funding: Approximately $75.8 million over 15 rounds
Valuation: Estimated at $152 million as of June 2023
Number of Users: Expanded to over 2 million users across 10 European markets
Growth Rate: Nearly doubled year-on-year, supported by robust subscription streams and a 40% increase in average revenue per customer

Key Features

AI-driven savings automation, investment in stocks and ETFs, budgeting tools, expense tracking, financial insights, integration with bank accounts, goal setting, personalized financial recommendations

20. Abound

Industry: Fintech / AI-Driven Lending

AI-powered lending platform using Open Banking data to assess affordability and offer fair credit solutions.

Location: London, United Kingdom
Founded: 2020
Last Funding Round: £323M (March 2025)
Total Funding: £1.61B
Valuation: £106M
Number of Users: Not disclosed
Growth Rate: Revenue up 151% to £66.8M; team doubling in 2024; loan issuance ~£900M

Key Features

AI-driven cashflow underwriting, Open Banking data usage, consumer loans and B2B platform Render, lower default rates, large-scale lending capacity

21. Yonder

Industry: Fintech / Rewards Credit & Debit Cards

Lifestyle-focused credit and debit cards that reward users with points redeemable for dining, travel, and curated experiences, fee-free international spending, travel insurance, and a mobile app for managing rewards and payments.

Location: London, United Kingdom
Founded: 2020
Last Funding Round: £23.4M Series B (September 2024) – Co-led by RTP Global, Repeat, Latitude
Total Funding: £100M+
Valuation: £100M+ (September 2024)
Number of Users: Not publicly disclosed
Growth Rate: Tripled revenue in 12 months; expanded to London, Manchester, Bristol, Bath, Birmingham

Key Features

Earn points per £1 spent, fee-free international spending, travel insurance, mobile app, points redeemable for travel, dining, theatre, experiences, credit card Section 75 protection, debit card FSCS protection

22. Gaia Family

Industry: Fintech / HealthTech / IVF Insurance & Fertility Financing

Data-driven IVF insurance and financing platform that uses AI to predict the number of treatment cycles and assumes financial risk so users pay only if they have a live birth, supplemented with community and emotional support.

Location: London, UK
Founded: 2019
Last Funding Round: Venture round led by Valar Ventures, $14M, January 27, 2025
Total Funding: Approximately $38M
Valuation: Estimated ~$100M enterprise value as of 2025
Number of Users: Not publicly disclosed
Growth Rate: Employee count grew ~27% year-over-year to ~195 employees; estimated $35.8M revenue in the most recent year

Key Features

AI-powered IVF outcome prediction (Gabi platform), risk-sharing financial model, transparent pricing, up-front clinic payment, refund if unsuccessful after 3 cycles, optional counselling/nutritional support, peer community access, clinic matching, flexible repayment plans

23. M3ter

Industry: Fintech / SaaS Pricing Operations

Usage-based billing and pricing automation platform for B2B SaaS companies, enabling complex usage-based or hybrid pricing by integrating metering, pricing logic, and billing into existing stacks.

Location: London, United Kingdom
Founded: 2020
Last Funding Round: Series A $14M (£11.2M) (April 2023)
Total Funding: $31.5M (Seed $17.5M in Feb 2022, Series A $14M in Apr 2023)
Valuation: £72.6M (post-money as of April 2023)
Number of Users: Not disclosed
Growth Rate: Customer base grew by 375% since emerging from stealth in Feb 2022

Key Features

Real-time usage data capture, flexible pricing logic, CRM/ERP integration, error-free billing, advanced analytics tools like Pricing Experimenter, Usage Forecaster, and Cost Allocator

24. Selina Finance

Industry: Fintech / Secured Lending

UK-based fintech offering flexible, fee-free Home Equity Lines of Credit (HELOCs) and homeowner loans, enabling homeowners to access funds from £10,000 to £500,000 by unlocking equity in their property.

Location: London, United Kingdom
Founded: 2019
Last Funding Round: £110.82M Series B (February 2022) – Led by Lightrock
Total Funding: $91.5M across 8 rounds
Valuation: £45M (May 2020)
Number of Users: Not publicly disclosed
Growth Rate: Expanded to become the UK's largest HELOC provider; millions of pounds advanced to customers; offers loans ranging from £25,000 to £1 million

Key Features

Flexible drawdown and repayment terms, no early repayment charges, digital and paper-free application process, B Corp certified with a B Impact Score of 93.8, FCA regulated

25. Opna

Industry: Climate Fintech / Carbon Project Financing Platform

Enables corporations to discover, finance, and monitor high-quality voluntary carbon removal projects, with digital portfolio management and proprietary risk assessment.

Location: London, UK
Founded: 2022
Last Funding Round: Seed, $6.5M, August 24, 2023
Total Funding: $8.34M
Valuation: ~$17.5M post-money as of Seed in August 2023
Number of Users: Not publicly disclosed; has onboarded tens of carbon project developers and several enterprise beta corporate users
Growth Rate: Small team of ~5 in early 2023 scaling toward ~15; mission to expand use and market awareness; still in early revenue stage

Key Features

Project discovery marketplace, financing facilitation, digital monitoring dashboard with KPI tracking, proprietary risk-scoring engine using 280+ data points, subscription-based tracking/reporting, transaction-fee-based model

26. Carmoola

Industry: Fintech / Car Finance

App-based car finance platform offering instant, flexible, and transparent financing for used cars, enabling users to get pre-approved before shopping and manage payments via a virtual card.

Location: London, United Kingdom
Founded: 2021
Last Funding Round: £15.5M equity (January 2024)
Total Funding: £540M (including £300M ABS facility)
Valuation: Not publicly disclosed
Number of Users: Not disclosed
Growth Rate: Supported over £46M in car purchases; customer base doubled year-on-year; expanded to over 30 countries

Key Features

Instant pre-approval, virtual card for car purchases, no broker fees, flexible payment options, FCA-regulated, backed by NatWest, Chenavari, QED Investors, and InMotion Ventures

27. Allica Bank

Industry: Financial Services / UK Challenger Bank (SME Banking)

Digital-first bank offering lending, savings, current accounts, and relationship-based SME banking with proprietary technology and local support.

Location: London and Milton Keynes, UK
Founded: 2019
Last Funding Round: Series C £100M (December 2022) – Led by TCV
Total Funding: Approximately £321M
Valuation: Not publicly disclosed; on track toward £1B valuation
Number of Users: ~13,000 SME customers as of mid-2024, over 6,000 with Business Rewards Account by end 2024
Growth Rate: Revenue up ~68% in 2024 to £293M; lending up ~54% to £3B; deposits up ~68% to £4B; compound annual growth ~650% between 2020–2023

Key Features

SME-focused banking services including Business Rewards Account with cashback and no fees, dedicated relationship managers, in-house tech stack with integrations (Wise, Xero, Sage), digital savings and lending, relationship-backed automation, proprietary banking platform

28. StrideUp

Industry: Fintech / Islamic Home Finance

Sharia-compliant home purchase plans offering interest-free alternatives to conventional mortgages, enabling first-time buyers to purchase homes with up to 6.5x income and as little as a 10% deposit.

Location: London, United Kingdom
Founded: 2016
Last Funding Round: £280M (June 2022)
Total Funding: £280M
Valuation: Not disclosed
Number of Users: Not publicly disclosed
Growth Rate: Ranked among the UK's top 20 fastest-growing startups in 2025

Key Features

Shared ownership model, ethical and Sharia-compliant finance, up to 6.5x loan-to-income ratio, 10% deposit requirement, flexible home purchase plans, buy-to-let options

29. Griffin

Industry: Fintech / Banking-as-a-Service

UK's first full-stack API-first banking platform for fintechs and embedded finance companies offering accounts, payments, savings, and compliance tools.

Location: London, UK
Founded: 2017
Last Funding Round: Series A $24M (March 2024)
Total Funding: $59.7M
Valuation: Not publicly disclosed
Number of Users: Not publicly disclosed
Growth Rate: Strong growth since launch, with $17.1M in revenue by 2023

Key Features

API-first banking, full suite of financial services, automated compliance, developer-friendly APIs, sandbox environment, AI-powered finance platform

30. Zodia Custody

Industry: Fintech / Institutional Crypto Custody

Institutional-grade digital asset custodian offering secure and compliant custody services tailored for global financial institutions, enabling them to securely store and manage their digital assets.

Location: London, United Kingdom
Founded: 2020
Last Funding Round: $36M Series A (December 2024)
Total Funding: $54.25M
Valuation: Not publicly disclosed
Number of Users: Not disclosed
Growth Rate: Expanded into Singapore, Hong Kong, Luxembourg, and the UAE; launched institutional staking services for Cardano (ADA) in August 2024

Key Features

Regulatory compliance with UK FCA and Central Bank of Ireland, supports 38 cryptocurrencies including Bitcoin, Ether, and stablecoins, Zodia Rewards program for eligible token holdings, cold storage and staking services, backed by Standard Chartered, Northern Trust, SBI Holdings, and National Australia Bank

31. Lightyear

Industry: Fintech / Investment App

Investment platform offering commission-free trading of 5,500+ stocks and ETFs across the US, UK, and Europe, multi-currency accounts (GBP, EUR, USD), interest on uninvested cash, and tax-efficient options like Stocks & Shares ISAs and Cash ISAs.

Location: London, United Kingdom
Founded: 2020
Last Funding Round: €25M Series A (July 2022) – Led by Lightspeed Venture Partners, Virgin Group
Total Funding: €35M+
Valuation: Not publicly disclosed
Number of Users: Not publicly disclosed
Growth Rate: Expanded to 22 European countries; launched in 19 EU markets in 2022

Key Features

Commission-free ETF trading, multi-currency accounts, interest on uninvested cash, Stocks & Shares ISAs and Cash ISAs, fractional shares, user-friendly iOS/Android app, FCA-authorised with FSCS protection, web platform access

32. Sokin

Industry: Fintech / Global Payments

UK-based fintech offering a subscription-based global payments platform for businesses and consumers. Sokin provides multi-currency IBANs, international money transfers, and an e-commerce payment gateway, enabling seamless cross-border transactions at competitive rates.

Location: London, United Kingdom
Founded: 2019
Last Funding Round: $31M (July 2024) – Investment from Morgan Stanley Expansion Capital
Total Funding: $31M
Valuation: Not publicly disclosed
Number of Users: Over 100,000 businesses and consumers
Growth Rate: Processes over $2.5B in annual transaction volume; expanded operations to the US, EU, and Middle East

Key Features

Multi-currency IBANs, international money transfers to 170+ countries in 70+ currencies, e-commerce payment gateway, payment links, ERP and accounting integrations, Mastercard-powered payment card, subscription-based pricing model

33. Causal

Industry: Cloud-based Financial Planning, Budgeting and Predictive Analytics

Collaborative modelling platform replacing spreadsheets with plain-English formulas, live data integrations, scenario planning, and interactive dashboards.

Location: St Albans, UK
Founded: 2019
Last Funding Round: Series A ~$20.2M (March 25, 2022)
Total Funding: ~$25.9M
Valuation: Not publicly disclosed; acquired by Lucanet (Nov 1, 2024)
Number of Users: Not publicly disclosed; early growth saw ~30% monthly increase in customers during 2021–2022
Growth Rate: ~30% customer growth month-on-month in 2021; rapid headcount and revenue scaling through 2022; acquisition closed in late 2024

Key Features

Model building with human-readable formulas, automated data syncing (QuickBooks, Xero, Stripe, CRM), scenario versioning and comparison, dashboard and reporting UI, collaboration and live commenting, variance analysis, BI-style analytics in spreadsheet interface

34. Omnea

Industry: Fintech / Procurement Automation, Supplier Risk Management

AI-powered procurement orchestration platform automating the full supplier lifecycle, streamlining sourcing, approvals, renewals, and third-party risk management, designed to simplify complex procurement processes and enhance governance.

Location: London, United Kingdom
Founded: 2022
Last Funding Round: $20M Series A (October 2024) – Led by Accel, with participation from First Round Capital and Point Nine
Total Funding: $25M
Valuation: Not publicly disclosed
Number of Users: Not publicly disclosed
Growth Rate: Secured clients including McAfee and Typeform; revenues increased 8x year-over-year

Key Features

AI-native procurement intake, intelligent supplier catalog, no-code workflow builder, automated contract renewals, third-party risk assessments, centralized supplier repository, ERP and spend management integrations, tailored stakeholder experiences

35. Apron

Industry: Fintech / Payments Automation

Fintech platform streamlining financial operations for small businesses including invoice capture, supplier payments, payroll, expense management, and reconciliation.

Location: London, UK
Founded: 2022
Last Funding Round: Series A $15M (September 2023)
Total Funding: $20.5M
Valuation: Not publicly disclosed
Number of Users: Over 10,000 businesses
Growth Rate: Strong revenue growth after launch in 2022; hit $2.2M revenue in 2023 with a 23-person team

Key Features

Invoice capture via email/WhatsApp/app, batch supplier payments with approvals, payroll file uploads and sync, expense cards with limits, integration with Xero and QuickBooks, task collaboration, SOC 2 certified, multi-currency support

36. Sequence

Industry: Fintech / B2B Billing & Revenue Operations

UK-based platform automating billing and revenue operations for B2B SaaS and fintech companies, offering tools for CPQ (Configure, Price, Quote), billing, invoicing, and revenue recognition, designed to handle complex pricing models and custom contracts at scale.

Location: Canterbury, United Kingdom
Founded: 2021
Last Funding Round: $19M Seed (September 2022)
Total Funding: $19M
Valuation: Not publicly disclosed
Number of Users: Thousands of B2B customers
Growth Rate: Expanded to serve high-impact B2B businesses; recognized as a High Performer in the billing software category

Key Features

Automated billing for custom contracts, support for usage-based and hybrid pricing models, CPQ tools, revenue recognition automation, integrations with Xero, Netsuite, and QuickBooks, Bacs Direct Debit collections, Faster Payments (FPS), CHAPS for collections and payouts, customizable invoicing templates, customer portal included

37. nsave

Industry: Fintech / International Banking, Investment Platform

London- and Geneva-based fintech offering multi-currency accounts (USD, EUR, GBP), virtual and physical Mastercard debit cards, and access to US equities and ETFs, designed to help individuals in high-inflation economies protect and grow their wealth through secure, compliant offshore financial services.

Location: London, United Kingdom / Geneva, Switzerland
Founded: 2022
Last Funding Round: €17.5M Series A (January 2025) – Led by TQ Ventures, with participation from Sequoia Capital, Y Combinator, ACE Ventures, and Proton Foundation
Total Funding: €17.5M
Valuation: Not publicly disclosed
Number of Users: Not publicly disclosed
Growth Rate: Expanded to serve users in multiple countries, including Syria; launched investment platform offering access to US equities and ETFs

Key Features

Multi-currency accounts (USD, EUR, GBP), virtual and physical Mastercard debit cards, international transfers via SWIFT, FPS, and SEPA, investment platform for US equities and ETFs, compliant with UK and Swiss regulations, accessible to users without residency in Europe or the UK

38. Adfin

Industry: Fintech / Invoice Management, Accounts Receivable Automation

Platform automating invoicing and payment collection for SMEs, sole traders, accountants, lawyers, and tradespeople, streamlining credit control, integrating with accounting software, and offering transparent per-transaction pricing.

Location: London, United Kingdom
Founded: 2020
Last Funding Round: $4.9M Seed (July 2024) – Led by Index Ventures and Visionaries Club
Total Funding: $4.9M
Valuation: Not publicly disclosed
Number of Users: Not publicly disclosed
Growth Rate: Expanded to serve accountants, lawyers, and tradespeople; integrated with Xero, QuickBooks, and Engager.app

Key Features

Automated invoicing and payment collection, multi-channel payment reminders via email/SMS/WhatsApp, accounting software integration, AI-powered credit control, direct debit chargeback protection, transparent per-transaction pricing, practice management integration

39. Atlantic Money

Industry: Fintech / International Money Transfers

UK-based fintech offering low-cost international money transfers with a fixed fee of £3 per transaction, up to £1 million, using live exchange rates without markup.

Location: London, United Kingdom
Founded: 2020
Last Funding Round: $4.5M Seed Round (2022) – Led by Amplo and Ribbit Capital
Total Funding: $4.5M
Valuation: Not publicly disclosed
Number of Users: Not publicly disclosed
Growth Rate: Expanded operations to the United States, Canada, and Australia; processed over £160 million in transfers in its first year

Key Features

Fixed fee per transfer, live exchange rates with no markup, transfers up to £1 million, app-less transfer option via Portals, business transfer services available in 29 countries

40. Flagright

Industry: Fintech / RegTech / AML Compliance

AI-native, no-code AML and financial crime compliance platform offering real-time transaction monitoring, dynamic risk scoring, AML screening, case management, and AI Forensics agents to reduce false positives and streamline investigations.

Location: London, United Kingdom (EMEA HQ), with offices in New York, San Francisco, Berlin, Singapore, Bangalore, and HQ in Singapore
Founded: 2022
Last Funding Round: Seed, $4.3M, April 2025
Total Funding: ~$4.3M
Valuation: Not publicly disclosed
Number of Users: Over 50 customers across six continents
Growth Rate: Rapid adoption; delivers 93% reduction in false positives, 80% cost savings, 27% decrease in operational errors, and sub-second API performance

Key Features

Real-time transaction monitoring, no-code scenario builder, dynamic risk scoring, AML screening & case management, AI Forensics suite with AI agents for alert reduction and automation, high uptime (99.99%), startup compliance program with heavily discounted pricing

Conclusion

What connects these companies isn’t just that they work in fintech; it’s their bold ambition to reshape how finance operates and who it serves.

From digital banking and payments orchestration to embedded finance and AI-driven lending, they’re not simply improving financial services, they’re reinventing them for a digital-first, globally connected world. Bringing such innovation to life requires not just vision, but technical precision, regulatory expertise, and strategic scalability. Partnering with an experienced fintech development firm can help startups design, build, and scale secure, compliant, and high-performing financial platforms.

For fintech founders ready to accelerate growth and reach the right audience, Omnius offers SEO, GEO, and content marketing built for B2B tech, turning financial innovation into discoverable, trusted, and sustainable growth.