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
Voting has now ended – the 2026 FinTech 50 will be published here on Monday 16th November.
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 |
| 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 |
| 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 |