FinTech 50: Vote for the most innovative UK financial tech firms

It’s time to help decide BusinessCloud’s FinTech 50 ranking for 2026.

The annual ranking celebrates the UK’s most innovative startups, scaleups and established firms creating original technology for finance and payments.

We have shortlisted 164 firms for potential inclusion this year. The final FinTech 50 ranking will be determined by a combination of reader votes and selections from an expert judging panel.

You can cast your votes until 23:59 on Sunday 1st November. Browse the shortlist below and vote for the companies you believe to be the most innovative.

The final FinTech 50 ranking – sponsored by S&W – will be published online on Monday 16th November. 

S&W supports fast-growing businesses and founders helping them disrupt and dominate their sectors, with comprehensive services across accountancy, tax and advisory services.  It helps navigate complexities and unlock opportunities across every stage of business with award winning services and advice.

Your vote

FinTech 50 shortlist

Company	HQ	Region	Description
10x Banking	London	Greater London	Core banking infrastructure platform
1fs Wealth	London	Greater London	A single platform for all of your wealth
9fin	London	Greater London	High-yield bond data, news and analytics platform for institutional investors, bankers and lawyers
Abound	London	Greater London	Uses AI to help people qualify for low-cost loans
AccessPay	Manchester	North West	Integration platform connecting businesses to financial systems
Adfin	London	Greater London	Helps businesses to get paid '7x faster' via agentic finance platform
Allica Bank	London	Greater London	Tech-driven bank serving businesses
ANNA Money	Cardiff	Wales	Business account and tax app for SMEs
APEXX Global	London	Greater London	Gateway consolidating global payment providers into a single integration point
Aveni	Edinburgh	Scotland	AI for UK financial services. Wealth productivity and compliance assurance at scale
Ayan Capital	London	Greater London	Halal vehicle financing for individuals and SMEs
Bango	Cambridge	East of England	Mobile payments firm
BankiFi	Manchester	North West	Open banking API and embedded banking platform
Blackbullion	London	Greater London	Ecosystem changing students’ lives while saving universities, colleges and businesses time and money
BR-DGE	Edinburgh	Scotland	Payment orchestration solutions, empowering merchants, payment providers and platforms
Bumper	London	Greater London	Platform that offers 0% finance for car repairs and servicing
Capital On Tap	London	Greater London	Tech platform and lender for businesses
Capitalise	London	Greater London	SME lending toolkit
Cardstream	Taunton	South West	Payment gateway offering tailored white-label solutions
CarFinance 247	Manchester	North West	Vehicle finance company
Carmoola	London	Greater London	Digital, direct-to-consumer car finance lender
Cashflows	Fulbourn	East of England	Simple payment solutions for businesses
Checkout	London	Greater London	Online payment solutions
Chetwood Bank	Wrexham	Wales	Digital challenger bank
Chip	London	Greater London	Wealth app with savings rates, investment funds at market prices and pensions
Clear Junction	London	Greater London	Connects financial institutions to payment rails and treasury services
ClearBank	London	Greater London	Tech-enabled clearing bank
ClearScore	London	Greater London	Credit scores and reports
ClearToken	London	Greater London	Platform for secure and transparent tokenisation of digital assets
Collctiv	Manchester	North West	Group payments app designed to take the hassle out of collecting money
Conferma	Manchester	North West	Virtual payment solutions for efficient and secure company spending
Countingup	London	Greater London	Banking and accounting app for freelancers and SMEs
Creditspring	London	Greater London	Membership platform for taking out loans
Crowdcube	Exeter	South West	Crowdfunding platform
Damisa	London	Greater London	Highly secure business-to-business transactions
DECTA	London	Greater London	Equips merchants, FinTechs and banks for the world of cashless payments
Defaqto	Haddenham	South East	Comprehensive financial product intelligence and independent ratings
Delta Financial Systems	Birmingham	Midlands	Pension administration technology
ekko	London	Greater London	Embedded sustainability platform for banks and payments
Emma	London	Greater London	Money management app
Eunice AI	London	Greater London	Source-traced due diligence and monitoring for digital assets and private markets
Evolution Funding	Chesterfield	Midlands	Technology-led motor finance broker
FE fundinfo	London	Greater London	Investment data and insights tailored for fund managers, distributors and financial advisers
Finastra	London	Greater London	Software for financial institutions
Finbourne	London	Greater London	Helps financial services firms extract insights, reduce complexity and innovate with data
Finity	London	Greater London	Unified payroll ecosystem
Finova	London	Greater London	Software connecting up the lending sector
FintechOS	London	Greater London	AI platform for financial product operations
Firenze	Manchester	North West	Enables wealth managers, advisers and investment platforms to enhance their offerings with Lombard Loans
Fiskl AI	London	Greater London	Real-time accounting for global small businesses
Flagstone	London	Greater London	Cash deposit platform provider to UK wealth managers
Float	Edinburgh	Scotland	Cashflow software that automatically updates from accounting platforms
Form3	London	Greater London	Account-to-account payments platform
FreeAgent	Edinburgh	Scotland	Cloud-based accounting software
Freetrade	London	Greater London	Commission-free stock trading app
Funding Agent	London	Greater London	Connects UK businesses with 150+ verified lenders
Funding Circle	London	Greater London	Specialist small business lender
Gala Technology	Wath-upon-Dearne	Yorks & Humber	Behind SOTpay payment solution
GFA Exchange	Birmingham	Midlands	Risk management software for finance providers
Givestar	London	Greater London	Charity fundraising platform allowing people to raise, give and connect via its app
GoCardless	London	Greater London	Making payments faster, cheaper and more secure
Gradient Labs	London	Greater London	AI-native customer operations built for financial services
Griffin	London	Greater London	Makes it simple and cost-effective to develop and launch financial products
Hydr	Manchester	North West	Invoice finance platform
Infact	London	Greater London	API that allows lenders to access, report and manage real-time consumer credit information
Inicio AI	Leicester	Midlands	Specialist income- & expenditure-trained virtual agent
Iplicit	London	Greater London	Software solution to simplify accounting
iwoca	London	Greater London	Automated credit lending facilities
Kani Payments	Newcastle	North East	Specialist software to reconcile, report & stay compliant
Landytech	London	Greater London	Investment, corporate and accounting data from every custodian and asset class, so your team and AI work from one source of truth
LemFi	London	Greater London	Enables users to send money to India, China, Pakistan, Nigeria, Ghana, Kenya and 30 other countries
LemonEdge	London	Greater London	Fund accounting software for private markets
Lendable	London	Greater London	Quick and easy access to loans
Lenkie	London	Greater London	Fast and flexible funding solutions to help businesses grow
LOQBOX	Bristol	South West	Helps users to show lenders that they can borrow money and pay it back on time
Lovey	Birmingham	Midlands	Fast and fair loans for small UK businesses
Meniga	London	Greater London	Transforms transaction data into hyper-personalised insights that amplify customer engagement and drive growth
MillTech	London	Greater London	Automated solutions for managing foreign exchange risk, execution and cash
Mintago	London	Greater London	Helps businesses save on their workplace pension tax bill and improves the pension wellbeing of their employees
Mishipay	London	Greater London	Mobile self-checkout solution for physical retail stores
Moneybox	London	Greater London	App which rounds up spare change from purchases and invests it
Moneyfarm	London	Greater London	Online investment adviser
Moneyhub	Bristol	South West	Context engine for financial services
Moneysupermarket	Ewloe	Wales	Price comparison business specialising in financial services
Monument	London	Greater London	Challenger bank for 'mass affluent'
Monzo	London	Greater London	Digital challenger bank
Mutual Vision	Wilmslow	North West	Digital mutual which digitises savings and loans services
My Digital	Cheadle Hulme	North West	Cloud-based contractor payroll and accounting software
MYPINPAD	Cardiff	Wales	Turns smart devices into payment terminals and trusted authentication devices
Navro	London	Greater London	Curation layer enabling access to payments providers around world through one API
Noggin HQ	Newcastle-upon-Tyne	North East	Get a refurbished phone contract, without your credit score holding you back
OakNorth	London	Greater London	Bank providing debt finance to SMEs
Open ECX	Manchester	North West	Provides electronic trading capabilities for the construction industry
Ozone API	London	Greater London	Specialist open banking platform which helps banks get compliant quickly and powers national open finance ecosystems
Payhawk	London	Greater London	Premium Visa cards, dedicated IBANs and seamless expense automation for finance teams worldwide
Paymentology	London	Greater London	Global issuer processor empowering banks and FinTechs to issue and process cards worldwide
Paysafe	London	Greater London	Payments tech including digital wallets and e-cash alternate payments
PaySend	London	Greater London	International money transfer platform
Pebble	Newcastle	North East	Cloud-based financial software for schools
Penfold	London	Greater London	Platform for opening, combining and managing pension savings
Pennies	London	Greater London	Digital charity box enabling shoppers to donate pennies
PensionBee	London	Greater London	Online pension manager
PingPong Payments	London	Greater London	Cross-border eCommerce payments and product suite for global sellers
Planixs	Manchester	North West	Cloud-enabled solutions powering treasuries
PlannerPal	London	Greater London	Automates admin tasks for financial advisers
Plum	London	Greater London	AI assistant which analyses your transactions
Pockit	London	Greater London	Prepaid accounts with no credit checks
Powdr	Manchester	North West	Financial modelling platform and fractional CFO provider to banks, funds and investors
Primer	London	England	Provides unified intelligence for payments
Prodigy Finance	London	Greater London	Student finance provider which assesses on future earning potential
Radius Payment Solutions	Crewe	North West	Payment and fleet services company
Raiser	Manchester	England	Helps you write better bids and reimagines how small charities are funded
Ravio	London	Greater London	Compensation benchmarking platform providing real-time data on salary and benefits for tech companies in Europe
Revolut	London	Greater London	Digital challenger bank
Revving	London	Greater London	Captures sales data at source to provide instant access to advances against revenues
Right Revenue	Saintfield	Northern Ireland	Revenue management solution for independent hotels
Round Treasury	London	Greater London	Banking and treasury platform designed to make life easier for founders and CFOs
Ryft	London	Greater London	Payments system enabling automated next day payouts for marketplace businesses and their merchants
Sage	Newcastle	North East	Accounting software giant
Salad	London	Greater London	Small, affordable loans to meet people’s urgent needs alongside free financial education
SAPI	London	Greater London	Builds credit products for payment companies
Sencillo Finance	London	Greater London	Helps families to secure their children's education journey by providing flexible school fee loans and financing solutions
Shawbrook	Brentwood	South East	Specialist bank offering savings, loans, SME finance and specialist property finance
Shieldpay	London	Greater London	Payment solutions for legal and professional services industries, marketplaces and eCommerce platforms
Snoop	Norwich	East of England	Free app offering financial advice and money management
Sokin	London	Greater London	Global payments platform that simplifies international money transfers
Soldo	London	Greater London	Prepaid business cards
Sporta	London	Greater London	Platform providing financial and digital infrastructure for sporting organisations
Stoa	London	Greater London	Helps you save money by unlocking premium perks and rewards based on your saving habits and deposit performance
Stratiphy	London	Greater London	Personalised tools for individuals to build their own investment strategies
Stream	London	Greater London	Offers employees access to their next wage
Streeva	Guildford	South East	Automates claiming of Gift Aid from charitable donations
Suits Me	Knutsford	North West	Alternative banking solution
SumUp	London	Greater London	Card reader for retail payments
Swiipr	London	Greater London	Allows airlines to offer a complete digital journey to their customers and staff
Swoop	London	Greater London	Funding and savings solutions for ambitious businesses
Tandem	London	Greater London	Digital challenger bank
Tide	London	Greater London	Mobile-first business banking
Timeline	Hoddesdon	South East	Financial planning technology and portfolio management services for financial advisers
TiPJAR	London	Greater London	Cashless tipping platform
Token	London	Greater London	Open banking payments platform connecting to banks in Europe
TransFICC	London	Greater London	eTrading solutions for fixed income and derivatives markets
TreasurySpring	London	Greater London	Treasury infrastructure for FinTechs
Treble Peak	London	Greater London	Digital gateway to Europe's leading private equity and venture capital funds
Triver	London	Greater London	Instant capital in a click for small businesses
TrueLayer	London	Greater London	Open banking APIs
Tumelo	Bristol	South West	Gives retail investors a say in how institutions vote
Updraft	London	Greater London	Financial service that helps individuals reduce their debt
Venturebeam	London	Greater London	Funding and trading platform for startups
Vestd	London	Greater London	Employee share scheme platform
VOLT	London	Greater London	Global real-time payment network
Voly Group	Cheadle	North West	Provider of yacht and multi-asset financial management solutions
Wealth Wizards	Leamington Spa	Midlands	Makes financial advice affordable
Wealthbrite	London	Greater London	Provides financial education and coaching to individuals and organisations
Wealthify	Penarth	Wales	Online investment service
Weavr	London	Greater London	Allows any company to add banking to their services via APIs
wi-Q	Manchester	North West	Digital ordering to shape future of hospitality for hotels & restaurants
Yapily	London	Greater London	Platform to better connect business and banks
Yaspa	London	Greater London	Open banking technology powering real-time payments and instant verification
Zeal IO	London	Greater London	Transforms card machines, enabling them to unlock insights and deliver seamless loyalty
Zeti	London	Greater London	Revolutionises transport finance by helping fleets convert to electric vehicles via pay-per-mile financial technology
Zilch Technology	London	Greater London	Buy now, pay later platform
Zopa	London	Greater London	Digital bank and financial products
Zuto	Macclesfield	North West	Online car finance and loans