The best Fintech companies in London

Online payment processing for large merchants and enterprises around the world.

Licensed UK digital bank that also sells its Engine banking software to other banks.

Cloud-native core banking software (Vault) used by large banks to replace legacy systems.

Pet insurance provider, formerly Bought By Many, selling cover for dogs and cats in the UK.

Lending platform that gives small businesses fast loans, funded by institutional investors.

M-KOPA sells smartphones, solar systems and other assets on pay-as-you-go credit to underbanked customers in Africa.

AI-powered data and analytics platform for debt and credit market professionals.

Card machines and payment processing for UK and European restaurants, shops and other in-person businesses.

AI money app and chatbot that helps people budget, save and manage their spending.

AI platform that screens customers and transactions for money laundering, sanctions and fraud risk.

Sells Alfa Systems, software that lenders use to run asset finance and leasing businesses.

Digital bank for established small and medium-sized businesses, offering accounts, savings and lending.

Business credit cards and spend management for small businesses in the UK and US.

Capital.com is an online trading platform for CFDs and other financial instruments.

Clearing bank giving fintechs and banks UK payments access, accounts and embedded banking.

Free credit scores and reports, plus a marketplace that matches users to loans and cards.

Online trading and investing platform offering CFDs, spread betting, forex and share dealing to retail and institutional clients, plus white-label trading technology for partners.

Cross-border payments, FX risk management and trade finance for businesses, majority-owned by Santander.

Payment service provider that lets businesses accept card and local payment methods worldwide through its own gateway, acquiring and processing platform.

Finastra sells software that banks and lenders use for lending, payments, treasury and core banking.

Wealth management platform providing technology and administration infrastructure to banks, insurers and asset managers.

Commission-free investing app for UK retail investors, offering shares, ETFs, ISAs and SIPPs.

Bank payment and direct debit network for recurring and one-off business payments.

Online trading platform offering spread betting, CFDs, share dealing, options and crypto trading to retail and professional clients.

IntegraFin runs Transact, an investment platform for UK financial advisers and their clients, and sells software to advice firms including the Curo CRM.

Online consumer lender offering personal loans, credit cards and car finance using automated underwriting.

LSEG provides financial market data and analytics, indices, risk intelligence and market infrastructure including exchanges and clearing.

Car and home insurance built for people overlooked by traditional insurers, including migrants to the UK.

App for saving, investing, pensions and Lifetime ISAs, aimed at helping people build wealth.

UK digital bank with app-based current accounts, savings and business banking.

Bank that lends to growing mid-sized businesses in the UK and US.

Banking-as-a-service platform for accounts, payments, FX and stablecoin money movement for businesses.

Merchant-of-record payments platform that handles billing, tax and compliance for software companies.

Spend management platform combining corporate cards, expenses, payables and accounting for finance teams.

Payments group offering merchant payment processing, digital wallets such as Skrill and Neteller, and online cash solutions such as paysafecard.

Local payment methods infrastructure for payment providers and merchants, covering 85+ markets.

Quantitative investment manager that runs systematic trading strategies built on data, research and its own technology platform.

Global finance super-app for banking, payments, investing and crypto, with a full UK banking licence.

Retirement savings technology platform running workplace pensions and licensing its Keystone tech to providers worldwide.

Identity verification, KYC, KYB, transaction monitoring and fraud prevention platform used by 4,000+ companies.

Card readers, point-of-sale and business accounts for small merchants.

Digital bank offering savings, mortgages and loans, with a focus on green home improvement lending.

Card payments, business accounts and funding for small local businesses across Europe, formerly SaltPay.

Business current accounts and admin tools for small businesses in the UK, India and Germany.

Commission-free app for trading and investing in stocks, ETFs and ISAs.

Web platform for financial charting, market data and trading ideas used by retail and professional traders.

Open banking payments network letting merchants take pay-by-bank payments across the UK and Europe.

Low-cost international money transfers and multi-currency accounts for people and businesses.

Algorithmic trading firm and electronic market maker trading over $250bn a day across 35 countries.

Tech-led motor insurer for gig workers, fleets and everyday drivers, using telematics to price policies.

Parent of WorldRemit and Sendwave, apps for sending money from 50+ countries to 130+ countries.

Buy now pay later and payments app funded partly by advertising, letting shoppers split purchases.

Licensed UK digital bank offering loans, credit cards and savings. It started out as a peer-to-peer lending pioneer.

Workplace finance app giving employees earned-wage access, savings, pensions and budgeting tools through their employer.

Group life insurance and employee benefits that reward staff for healthy habits through a gamified wellbeing app.

Wholesale bank offering accounts, payments, clearing and agency banking to banks and fintechs.

UK digital bank for mass-affluent savers and borrowers, with a banking-as-a-service tech arm, Monument Technology.

Unified payments infrastructure letting merchants connect, optimise and manage many payment providers from one platform.

Lets B2B merchants and marketplaces offer buyers trade credit and pay-later terms at checkout, online and in store.

Bank-owned payment system that settles wholesale payments on a blockchain, backed 1:1 by central bank money.

Money transfer and banking app for the Indian diaspora, mainly used to send money home to India.

AI workflow platform that turns financial data into client-ready decks, memos and reports for banks and investors.

No-code platform that lets insurers and MGAs build, configure and distribute insurance products.

App for immigrants to send money home and access financial services across 30+ countries.

Cloud-native transfer agency and investor servicing software for global asset and wealth managers.

Infrastructure for wealth managers and private banks to give clients access to private markets funds.

Investment platform for UK financial advisers covering account opening, transfers, investment management and drawdown.

Investing app for stocks, ETFs and money market funds, available in 25 countries across the UK and Europe.

Payments platform that lets small businesses and accountants collect, approve and pay invoices in one place.

Fully licensed UK bank offering API-first banking-as-a-service so fintechs can build financial products.

Money transfer app for diaspora sending money to Africa and Asia, plus the Rafiki B2B payments API.

Low-latency API connecting banks and asset managers to fixed income and derivatives trading venues.

All-in-one platform for buy-to-let investors to set up property companies, buy, finance and manage property.

Stablecoin payments and treasury platform that lets banks, payment firms and businesses settle money instantly.

Billing and quote-to-cash software that automates invoicing and revenue collection for B2B finance teams.

Cross-border payments platform helping importers in emerging markets pay their overseas suppliers.

Platform that helps businesses and VC funds see currency exposure and automate FX hedging.

Payments and finance automation that helps small businesses get paid on time, moving into AI credit control.

Planning software, model portfolios and investment platform for UK financial advisers.

Employer of record, payroll and cross-border payments platform for companies hiring international teams.

Instant bank payments and identity verification for gaming and other regulated merchants.

AI-native research and analysis platform for investment banks and asset managers.

Digital business account for small businesses, offering business accounts, debit cards, currency exchange, invoicing and bulk payments through an app.

Client onboarding and verification platform covering identity, AML checks, proof of funds and payments for regulated firms.

Commission-free ETF investing platform for individuals and businesses, with ISAs, pensions and managed portfolios.

Gemba is an FCA-authorised payment institution whose platform lets non-financial companies offer their own branded accounts, payments and cards.

Cloud core banking platform that lets banks such as Westpac and Chase UK launch products faster.

Consumer lender that uses AI and open banking data to judge affordability and offer fairer loans.

BMLL provides historical order book data and analytics for equities, ETFs, futures and options from 100+ trading venues.

App for saving and investing, offering savings accounts, cash ISAs and investment funds.

Subscription credit service giving UK members interest-free loans for a fixed membership fee instead of interest.

AI platform for financial crime compliance: transaction monitoring, screening, risk scoring and case management.

Programmable banking platform that lets banks and businesses launch accounts, rewards and wealth tools on top of existing core systems; it also powers the HyperJar money app.

Online lender giving small businesses in the UK and Germany fast, flexible working-capital loans.

Fund accounting and operations software for private equity firms, fund administrators and family offices.

Platform that automates FX hedging and cash management for fund managers and corporates.

One API and contract for global payouts and collections across 200+ countries for international businesses.

Cloud-based card issuer-processor that lets banks and fintechs launch physical and virtual cards.

Digital workplace and personal pension provider for small businesses, employees and the self-employed, with a savings app.

LSE-listed online pension provider that combines and manages people's pensions in the UK and US.

Money app that automates saving and investing for users in the UK and several EU countries.

Proxymity runs a digital network that connects issuers, intermediaries and investors for proxy voting and shareholder identification.

Global business payments platform with multi-currency accounts, FX and cross-border payouts for companies.

Savings and mortgage app that helps first-time buyers build a deposit and get onto the property ladder.

B2B cross-border payments and FX platform focused on emerging market currencies, especially Africa.

AI platform for accounts payable teams that catches duplicate payments, fraud and supplier statement errors.

Embedded revenue-based financing platform that lets marketplaces, PSPs and ecommerce platforms offer capital to their merchants.

Lloyd's first fully digital, algorithm driven syndicate that lets brokers get instant specialty insurance quotes.

Pays online marketplace sellers immediately for their sales instead of making them wait for marketplace payouts.

Payments infrastructure that automates payroll, supplier payments and collections for businesses and software platforms.

Savings platform letting people and businesses hold cash across hundreds of accounts from 65+ banks in one place.

Software layer that lets banks and insurers design and launch financial products without replacing their core systems.

AI platform that cleans and enriches bank transaction data for personalisation, lending and customer insight.

Licensed UK digital bank paying interest on current accounts, with savings, ISAs and loans.

Perenna is a UK bank offering long-term fixed-rate mortgages funded through covered bonds and savings deposits.

Account-to-account payment infrastructure that lets banks, fintechs and payment companies offer Pay by Bank, variable recurring payments and payouts through one API.

Sharegain provides securities lending as a service so brokers, private banks and custodians can lend out clients' stocks, bonds and ETFs for income.

Open banking API that lets companies pull bank data and start payments across thousands of European banks.

Embedded finance platform that lets B2B SaaS companies add accounts, digital wallets and payment cards inside their products.

Digital home and contents insurer for renters and homeowners, using AI to price cover and fight fraud.

APEXX runs a payment orchestration platform that lets enterprise merchants route payments across providers through a single API.

Platform that lets institutions invest cash in fixed-term, investment-grade products through one onboarding.

Regulatory reporting software and consulting that helps banks and asset managers check, fix and manage transaction reporting.

Napo sells lifetime pet insurance for dogs and cats in the UK.

ID verification, AML and source of funds checks for property, legal and accounting firms.

AI platform that automates trade finance document checking, financing and risk workflows for banks and corporates.

General Index publishes technology-driven price benchmarks for energy and commodity markets such as crude oil, natural gas and refined products.

Sprive is an app that helps homeowners pay off their mortgage faster through automatic overpayments, partly funded by cashback from everyday shopping.

AI platform that automates admin and compliance paperwork for financial advice firms.

AI-first third party administrator that handles insurance claims for carriers and MGAs.

Business accounts, cards, cashflow and treasury tools for fast-growing digital companies.

Agentic compliance platform that automates know-your-business checks and continuously monitors business customers for financial services firms.

AI agents that help banks and lenders speed up commercial lending and credit work.

Treasury, payments and finance automation platform that helps businesses manage and earn on their cash.

AI platform that automates document processing, income verification and affordability checks for lenders and brokers.

Tech-led statutory audit firm running audits on its own platform, live in Norway and launching in the UK.

Accounting firm for small businesses where AI agents do the bookkeeping and qualified accountants sign off.

AI-powered platform that helps hardware and climate companies raise and manage debt financing.

AI agents that automate KYC and AML compliance reviews for banks and fintechs.

Guardrails, identity and audit layer that checks AI agent payments against company rules before they go out.

Specialty insurance platform for brokers and underwriters, covering algorithmic underwriting and delegated authority.

Payment gateway that lets UK businesses take Pay by Bank and card payments with lower fees and instant settlement.

Ayan offers Shariah-compliant car finance in the UK, buying the car and leasing it to customers for fixed monthly rentals with no interest.

Technology-enabled trade credit insurance and non-payment guarantees that protect company receivables against buyer default.

Bumper lets drivers split the cost of car repairs, servicing and parts into interest-free monthly payments through dealers and garages.

App-based car finance lender that gives buyers a budget before they shop.

Payments infrastructure that gives banks, EMIs and other licensed financial firms GBP and EUR accounts, virtual IBANs and payment rails through one API.

APIs linking small business accounting and banking data to banks and lenders for faster credit and advice.

Open banking API for account-to-account business payments, embedded in platforms such as Xero.

Cuvva sells temporary and flexible monthly car insurance through a mobile app.

SaaS platform that automates data reconciliation and controls for banks, asset managers and insurers.

Budgeting and money management app that tracks spending, subscriptions and savings across bank accounts.

Formerly Ferovinum. Platform giving drinks producers inventory-backed working capital, trading tools and global logistics.

Cloud data management platform that gives asset managers and banks a consolidated view of their investment data.

Credit scoring, disbursement and collections tech that lets lenders give fast working capital to small businesses in emerging markets.

Cloud platform that runs account to account payment processing for Tier 1 banks and fintechs, including Nationwide.

Freemarket runs a payments network that lets businesses move money across borders, exchange currencies and settle payments from one real-time account.

Quantitative research and technology firm that uses machine learning and large datasets to predict movements in global financial markets.

UK residential mortgage lender focused on helping first-time buyers get onto the property ladder.

Genesis Global provides a low-code application development platform for financial institutions.

Revolving credit lines of £50K to £1M for UK SMEs, paired with free cash runway forecasting tools.

FCA-regulated onboarding, ID and AML checks, and payments platform for estate agents, law firms and conveyancers.

Collective-model insurance for cyclists, e-bikes and green mobility fleets across the UK and Europe.

LendInvest is an AIM-listed online lender offering buy-to-let, short-term and development finance for UK property.

Embedded finance provider that offers revenue-based funding to small businesses through payment and software partners.

Employee benefits platform for UK employers covering salary sacrifice, pensions, financial coaching and health perks.

Digital wealth manager offering managed portfolios, ISAs, pensions and DIY investing to retail investors in the UK and Italy.

Multiply sells AI software that helps financial advice firms automate client onboarding, annual reviews and personalised recommendations.

Digital sandbox and vendor marketplace that lets banks and insurers test and validate new technology vendors quickly.

A marketplace and research service that helps investment firms find, evaluate and price alternative and market datasets.

Digital homebuying platform that brings mortgage, conveyancing and insurance into one online journey.

Merchant of record and tax of record platform that handles local payments, tax and customs so merchants can sell cross-border.

Cross-border payments platform for sending money to cards, accounts and wallets in 170+ countries, with APIs for businesses.

A white-label platform banks use to onboard and serve small business merchant services customers.

24/7 exchange offering perpetual futures on US equities, commodities and FX without a broker.

Subscription and leasing platform for phones, laptops and consumer electronics, with brand partners like PlayStation, LG and Dyson.

Ripjar sells AI software that screens customers and transactions against sanctions, PEP, watchlist and adverse media data.

Payouts platform that lets businesses send gift cards, prepaid cards and bank transfers to recipients in 190 countries through one API.

Employee benefits platform offering salary-linked loans, earned pay advances, automatic savings and financial education through employers.

Online platform that lets startups run funding rounds, manage cap tables and set up share option schemes.

Shufti provides identity verification, KYC and AML screening software for businesses onboarding customers online.

Company prepaid cards and spend management software giving staff controlled spending and finance teams oversight.

Software that automates regulatory reporting and capital calculations for banks and building societies.

Digital insurance broker selling business insurance to small firms and high-growth tech companies.

Mobile app for sending money internationally to friends and family in emerging markets.

Issuer processing platform that lets fintechs and banks launch and run debit, credit, prepaid and virtual card programmes globally.

App for sending money abroad, offering international transfers, multi-currency accounts and business payments in 160 countries.

Advances cash to UK small businesses against their unpaid invoices, settling automatically when the customer pays.

App that helps people pay down credit card debt with lower-cost loans and credit score tools.

Treasury and payments platform for insurers that manages claim funds and pays claimants, vendors and reinsurers across the insurance value chain.

Real-time account-to-account payment network and merchant accounts for businesses across the UK, EU and Australia.

Investing app for younger investors with saving, investing and automation tools in one place.

Platform that lets car makers launch and run their own branded motor insurance products.

Xceptor sells a no-code data automation platform that banks and asset managers use to process and reconcile operational data.

Rewards credit card focused on travel, dining and going out, with points redeemable for flights and hotels.