It’s time to help decide BusinessCloud’s FinTech 50 ranking for 2025.
The annual ranking celebrates the UK’s most innovative startups, scaleups and established firms creating original technology for finance and payments.
We have shortlisted 169 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 9th November. Browse the shortlist below and vote for the companies you believe to be the most innovative.
The final FinTech 50 ranking – proudly supported by S&W – will be published online on Monday 24th November.
S&W supports fast-growing FinTechs and founders, helping them to disrupt and dominate their sectors with comprehensive services across accountancy, tax and advisory. It helps to navigate complexities and create opportunities across every stage of business with award-winning services and advice.
Your vote
Voting has now ended – the 2025 FinTech 50 will be published here.
FinTech 50 shortlist
| Company | HQ | Region | Description |
|---|---|---|---|
| 10x Banking | London | Greater London | Core banking infrastructure platform |
| 1fs Wealth | London | Greater London | Data & tech services for family offices and high net worth individuals |
| Abound | London | Greater London | Uses AI to help people qualify for low-cost loans via Abound platform |
| 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 |
| Aspora | Belfast | Northern Ireland | Secure and rapid money transfer services to India |
| Atom Bank | Durham | North East | Digital challenger bank |
| 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 |
| Boodil | Manchester | North West | Open banking payments and consumer engagement app |
| Bumper | London | Greater London | Platform that offers 0% finance for car repairs and servicing |
| BVNK | London | Greater London | Payments infrastructure integrating banks and blockchains |
| 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 | Automated savings app |
| 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 |
| 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 |
| 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 |
| Curve | London | Greater London | All-your-cards-in-one banking app |
| Damisa | London | Greater London | Highly secure business-to-business transactions |
| DECTA | London | Greater London | B2B payments processing across payment acquiring, BIN sponsorship and white label card issuing |
| 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 |
| ekko | London | Greater London | Embedded sustainability platform for banks and payments |
| Emma | London | Greater London | Money management app |
| 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 |
| Fidel API | London | Greater London | API for linking bank cards to digital applications |
| Fiinu | Weybridge | South East | Behind Plugin Overdraft, which helps individuals manage their household budget or cover short-term unexpected outlays |
| 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 |
| finova | London | Greater London | Software connecting up the lending sector |
| Finseta | London | Greater London | Cloud-based provider of international payment, currency risk management and electronic account services to SMEs |
| Firenze | Manchester | 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 |
| 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 |
| Glyde | London | Greater London | Allows users to move money globally without FX brokers or hidden fees |
| GoCardless | London | Greater London | Platform enabling businesses to take online direct debit payments |
| GoHenry | Lymington | South East | Children's bank account and credit card |
| Gradient Labs | London | Greater London | AI support agent 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 | SaaS platform for financial services businesses |
| 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 |
| Lenkie | London | Greater London | Fast and flexible funding solutions to help businesses grow |
| LOQBOX | Bristol | South West | Helps users save their way to a better credit score |
| Love Finance | 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 |
| 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 | South West | Data services & embedded apps that create personalised financial journeys |
| 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 |
| OakNorth | London | Greater London | Bank providing debt finance to SMEs |
| Open ECX | Manchester | North West | Provides electronic trading capabilities for the construction industry |
| OpenGamma | London | Greater London | Leader in derivatives analytics |
| Openpayd | London | Greater London | API-led banking and payment services |
| 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 |
| Plum | London | Greater London | AI assistant which analyses your transactions |
| Plus500 | London | Greater London | Online trading platform for CFDs, futures & stocks |
| Pockit | London | Greater London | App-based banking solution |
| Powdr | Manchester | North West | Financial modelling company for banks, funds and investors to assess businesses |
| 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 |
| Rapyd | London | Greater London | Cardless financial network |
| Ravio | London | Greater London | Compensation benchmarking platform providing real-time data on salary and benefits for tech companies in Europe |
| Recognise Bank | London | Greater London | Digital SME banking lender |
| 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 Money | London | Greater London | Small, affordable loans to meet people’s urgent needs alongside free financial education |
| Salary Finance | London | Greater London | Improves wellbeing by helping employees out of debt and into saving |
| 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 |
| 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 |
| 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 |
| thankyü | Kingston upon Hull | Yorks & Humber | Secure tipping and micro payments platform |
| 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 |
| 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 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 Technologies | 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 |
| Yaspa | London | Greater London | Open banking technology powering real-time payments and instant verification |
| yetipay | London | Greater London | Simplifies payments for small businesses |
| 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 |