It’s time to help decide BusinessCloud’s FinTech 50 ranking for 2024.
The annual ranking celebrates the UK’s most innovative startups, scaleups and established firms creating original technology for finance and payments.
We have shortlisted 181 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 3rd November. Browse the shortlist below and vote for the companies you believe to be the most innovative.
The final FinTech 50 ranking – supported by Started, a PR and marketing agency for world-changing FinTech brands and entrepreneurs – will be published online on Monday 25th November. Subscribe to our daily email tech innovation newsletter via the dropdown below when you vote to be among the first to see the results.
Your vote
FinTech 50 shortlist
| Company | HQ | Region | Description |
|---|---|---|---|
| 10x Banking | London | Greater London | Develops tech platforms underpinning digital banking |
| 1fs Wealth | London | Greater London | Data & tech services for family offices and high net worth individuals |
| Accelex | London | Greater London | Automates the acquisition, analysis and reporting of critical investment data |
| AccessPay | Manchester | North West | Integration platform connecting businesses to financial systems |
| 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 |
| Atom Bank | Durham | North East | Digital challenger bank |
| Atto | Edinburgh | Scotland | Credit risk platform |
| Aveni | Edinburgh | Scotland | Speech analytics and natural language processing for financial services industry |
| 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 | Funds management system to improve financial wellbeing of students |
| BMLL Technologies | London | Greater London | Provider of historical data and analytics for capital markets |
| Boodil | Manchester | North West | Payments platform which aims to boost engagement between retailers & their customers |
| Bud | London | Greater London | APIs for high street banks |
| 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 |
| CarFinance247 | Manchester | North West | Online car finance broker |
| 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 | Automated savings app |
| ClearBank | London | Greater London | Tech-enabled clearing bank |
| Cleo | London | Greater London | AI chatbot which looks after consumers' money |
| Collctiv | Manchester | North West | Group payments app designed to take the hassle out of collecting money |
| Connected Data | Nottingham | Midlands | Data-enabled debt management |
| Countingup | London | Greater London | Banking and accounting app for freelancers and SMEs |
| Creditspring | London | Greater London | Membership platform for taking out loans |
| Crezco | London | Greater London | International, instant and frictionless payments for businesses |
| Crowdcube | Exeter | South West | Crowdfunding platform |
| Currencycloud | London | Greater London | Global payments platform |
| Currensea | London | Greater London | Debit card for overseas payments |
| Curve | London | Greater London | All-your-cards-in-one banking app |
| DECTA | London | Greater London | B2B payments processing across payment acquiring, BIN sponsorship and white label card issuing |
| Deko | London | Greater London | Buy Now Pay Later platform |
| Delio | Cardiff | Wales | Private asset platforms for leading financial institutions |
| Delta Financial Systems | Birmingham | Midlands | Pension administration technology |
| Desia | London | Greater London | AI applications for productivity, automation and analytics in financial services |
| Dext | London | Greater London | Automated bookkeeping |
| e-bate | Leicester | Midlands | SaaS platform to help companies manage rebate and pricing schemes |
| ekko | London | Greater London | Embedded sustainability platform for banks and payments |
| Emma | London | Greater London | Money management app |
| Engage Smarter | London | Greater London | AI technology helping financial services to assist customers in making informed financial decisions |
| Essentia Analytics | London | Greater London | Investment behaviour analytics software that helps investors ignore internal biases |
| Evolution Funding | Chesterfield | Midlands | Technology-led motor finance broker |
| Fidel API | London | Greater London | API for linking bank cards to digital applications |
| Financielle | Manchester | North West | Helps women take back control of their money via a guide & simple budget planner |
| Finastra | London | Greater London | Software for financial institutions |
| Finbourne | London | Greater London | Helps financial services firms extract insights, reduce complexity and innovate with data |
| Finseta | London | Greater London | Cloud-based provider of international payment, currency risk management and electronic account services to SMEs |
| Fintern | London | Greater London | Uses AI to help people qualify for low-cost loans via Abound platform |
| Firenze | Salford | North West | Enables wealth managers, advisers and investment platforms to enhance their offerings with Lombard Loans |
| Fiskl | London | Greater London | Mobile-first financial management platform |
| Flagstone | London | Greater London | Cash deposit platform provider to UK wealth managers |
| Fleximize | Ipswich | East of England | Alternative finance provider |
| Float | Edinburgh | Scotland | Cashflow software that automatically updates from accounting platforms |
| FNZ | London | Greater London | Privides wealth management services to financial institutions |
| Form3 | London | Greater London | ‘Payments As A Service’ technology provider |
| FreeAgent | Edinburgh | Scotland | Cloud-based accounting software |
| Freetrade | London | Greater London | Commission-free stock trading app |
| Funding Circle | London | Greater London | P2P lender |
| Gala Technology | Wath-upon-Dearne | Yorks & Humber | Behind SOTpay payment solution |
| GFA Exchange | Birmingham | Midlands | Risk management software for finance providers |
| GoCardless | London | Greater London | Platform enabling businesses to take online direct debit payments |
| GoHenry | Lymington | South East | Children's bank account and credit card |
| Griffin | London | Greater London | Makes it simple and cost-effective to develop and launch financial products |
| Hastee | London | Greater London | Allows employees to draw salary as they earn it |
| HyperJar | London | Greater London | Prepaid card & money app |
| Infact | London | Greater London | API that allows lenders to access, report and manage real-time consumer credit information |
| iwoca | London | Greater London | Automated credit lending facilities |
| Jaja Finance | London | Greater London | Digital credit card managed through a mobile app |
| Kani Payments | Newcastle | North East | SaaS platform for financial services businesses |
| Kennek | London | Greater London | Integrated operating system for lenders and loan investors |
| Kriya | London | Greater London | Online invoice finance platform |
| Landytech | London | Greater London | Consolidation risk reporting services |
| Lemon | London | Greater London | Connects financing to SaaS sales teams |
| Lendable | London | Greater London | Quick and easy access to loans |
| LOQBOX | Bristol | South West | Helps users save their way to a better credit score |
| Markets Recon | London | Greater London | Source of market research and insights around investment |
| Meniga | London | Greater London | Empowers financial institutions to enhance customer engagement & loyalty through personal finance management tools |
| Mimo | London | Greater London | Serves small businesses, accountants and bookkeepers with better financial tooling |
| 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 | City of Bristol | Collates finances in one place & provides tools to achieve financial goals |
| 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 | Wilmslow | 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 | Newcastle-upon-Tyne | North East | Affordable SIM and mobile deals with no credit checks, refurbished phones & carbon-neutral contracts |
| NuWealth | London | Greater London | Investment app |
| OakNorth | London | Greater London | Bank providing debt finance to SMEs |
| One Utility Bill | Newcastle | North East | Consolidates household bills and enables payment to be split |
| OpenGamma | London | Greater London | Leader in derivatives analytics |
| Openpayd | London | Greater London | API-led banking and payment services |
| Ordo | London | Greater London | Real-time bank transfers and invoice tracking |
| Paydock | London | Greater London | Payments orchestration platform |
| 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 |
| Planixs | Manchester | North West | Cloud-enabled solutions powering treasuries |
| Playter | London | Greater London | Buy Now Pay Later' B2B service for SMEs |
| Plum | London | Greater London | AI assistant which analyses your transactions |
| Pockit | London | Greater London | App-based banking solution |
| Proactis | Wetherby | Yorks & Humber | Spend management solutions |
| Prodigy Finance | London | Greater London | Student finance provider which assesses on future earning potential |
| Prograd | London | Greater London | Helps users achieve savings targets via side-hustles & jobs, discounts & rewards, and accounts |
| Radius Payment Solutions | Crewe | North West | Payment and fleet services company |
| Rapyd | London | Greater London | Cardless financial network |
| Rebuilding Society | Leeds | Yorks & Humber | Peer-to-peer lending platform for SMEs |
| Recap | London | Greater London | Crypto tax software & portfolio tracker |
| Recognise Bank | London | Greater London | Digital SME banking lender |
| Revolut | London | Greater London | Digital challenger bank |
| 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 |
| Salary Finance | London | Greater London | Improves wellbeing by helping employees out of debt and into saving |
| ShareIn | Edinburgh | Scotland | White-labelled crowdfunding solution |
| Shieldpay | London | Greater London | Payment solutions for legal and professional services industries, marketplaces and eCommerce platforms |
| Smart | London | Greater London | Transforming retirement, savings and financial wellbeing |
| Snoop | Norwich | East of England | Free app offering financial advice |
| Sokin | London | Greater London | Global payments platform that simplifies international money transfers |
| Soldo | London | Greater London | Prepaid business cards |
| Starling Bank | London | Greater London | Digital challenger bank |
| Stenn | London | Greater London | Digital trade finance for international SMEs |
| Stratiphy | London | Greater London | Personalised tools for individuals to build their own investment strategies |
| Streeva | Guildford | South East | Automates claiming of Gift Aid from charitable donations |
| Substantive Research | London | Greater London | Research spend analytics and discovery for asset managers |
| 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 |
| ThinCats | Ashby-de-la-Zouch | Midlands | Alternative finance provider to SMEs |
| Thought Machine | London | Greater London | Building technology to revolutionise banking |
| 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 |
| Toqio | London | Greater London | Allows businesses to launch embedded finance solutions into products |
| Total Processing | Manchester | North West | Payment solutions across eCommerce and in-store channels |
| TotallyMoney | London | Greater London | Credit score and reporting app |
| TransFICC | London | Greater London | eTrading solutions for fixed income and derivatives markets |
| TreasurySpring | London | Greater London | Treasury infrastructure for FinTechs |
| TrueLayer | London | Greater London | Open banking APIs |
| Tulipshare | London | Greater London | Activist retail investment platform |
| Tumelo | Bristol | South West | Gives retail investors a say in how institutions vote |
| Tuza | London | Greater London | Card payment providers comparison site for SMEs |
| 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 |
| VibePay | London | Greater London | Allows users to send and receive money instantly |
| VOLT | London | Greater London | Global real-time payment network |
| Voly Group | Cheadle | North West | Provider of yacht and multi-asset financial management solutions |
| Wagestream | London | Greater London | Offers employees access to their next wage |
| wamo | London | Greater London | Unifies and organises financial processes into one digital platform |
| Wealth Dynamix | London | Greater London | Client management solutions for financial firms |
| 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 |
| WealthOS | London | Greater London | Wealth management SaaS platform |
| 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 |
| Wise | London | Greater London | Cross-border money transfers |
| Yapily | London | Greater London | Platform to better connect business and banks |
| 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 |