FinTech 50

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

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

We have shortlisted 176 firms for potential inclusion. The final FinTech 50 ranking will be determined by a combination of reader votes and selections from an independent judging panel.

You can cast your vote until 23:59 on Sunday 3rd October. Browse the shortlist below and vote for the company you believe to be the most innovative.

The final FinTech 50 ranking will be published online on Monday 25th October. Subscribe to our daily email tech innovation newsletter via the dropdown below when you vote to be among the first to see the results.

Alongside the FinTech 50, we are running RegTech 50 (vote here) and InsurTech 50 (vote here) rankings.

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FinTech 50 shortlist

10x BankingWestminsterLondonDevelops tech platforms underpinning digital banking
AccessPayManchesterNorth WestIntegration platform connecting businesses to financial systems
AkoniWestminsterLondonAutomates the process of finding banks for SMEs
ANNA MoneyCardiffWalesBusiness account and tax app for SMEs
Atom BankDurhamNorth EastDigital challenger bank
AzimoHackneyLondonMoney transfer service
BangoCambridgeEast of EnglandMobile payments firm
BankableTower HamletsLondonBanking as a Service for financial institutions, corporates and FinTechs
BankifiManchesterNorth WestSupplies services such as invoicing and accounting which banks can pass on to customers
BCRemitHounslowLondonDisruptive online money transfer platform
BinkAscotSouth EastLinks payment cards to loyalty programmes
BlackbullionHackneyLondonFunds management system to improve financial wellbeing of students
Blue Motor FinanceSundridgeSouth EastCar finance company which transformed into a FinTech
BudTower HamletsLondonAPIs for high street banks
Capital On TapSouthwarkLondonTech platform and lender for businesses
CapitaliseSouthwarkLondonSME lending toolkit
CardstreamTauntonSouth WestPayment gateway offering tailored white-label solutions
CarFinance247ManchesterNorth WestOnline car finance broker
CheckoutWestminsterLondonOnline payment solutions
Chetwood FinancialWrexhamWalesDigital challenger bank
ChipCity of LondonLondonAutomated savings app
CIRCA5000HackneyLondonFormerly tickr; sustainability-focused investment app
ClearBankCity of LondonLondonTech-enabled clearing bank
ClearGlassGreenwichLondonDigital intermediary between asset managers and pension funds
CleoIslingtonLondonAI chatbot which looks after consumers' money
CloudPayAndoverSouth EastUnified payroll and payment services
CobaltIslingtonLondonTech for foreign exchange trades
CoInvestorCanterburySouth EastCloud solutions to digitise investment process
CountingupHammersmith and FulhamLondonBanking and accounting app for freelancers and SMEs
CrowdcubeExeterSouth WestCrowdfunding platform
CurrencycloudTower HamletsLondonGlobal payments platform
CurrenseaWestminsterLondonDebit card for overseas payments
CurveCamdenLondonAll-your-cards-in-one banking app
DelioCardiffWalesPrivate asset platforms for leading financial institutions
Delta Financial SystemsBirminghamMidlandsPension administration technology
DextHackneyLondonFormerly Recepit Bank; automated bookkeeping
DirectIDEdinburghScotlandCredit risk platform
DonrNewcastleNorth EastText giving platform for charities
DozensHackneyLondonCurrent account with savings tools and investments
e-bateLeicesterMidlandsSaaS platform to help companies manage rebate and pricing schemes
EdAidIslingtonLondonP2P lending and crowdfunding platform for higher education
Eigen TechnologiesCity of LondonLondonUnlocks value of qualitative data
EmmaIslingtonLondonMoney management app
Epos NowNorwichEast of EnglandCloud-connected point-of-sale systems
EquinitiLeedsYorks & HumberAPI-led consumer credit services
Essentia AnalyticsCamdenLondonInvestment behaviour analytics software that helps investors ignore internal biases
ESTHERBelfastNorthern IrelandPocket-to-pocket giving app
Evolution FundingChesterfieldMidlandsTechnology-led motor finance broker
FibreCRMTruroSouth WestCRM system for accountants
FidelWestminsterLondonAPI for linking bank cards to digital applications
Financial Software LtdCity of LondonLondonTech solutions for investment tax management
FinastraWestminsterLondonSoftware for financial institutions
FinGoTower HamletsLondonBiometric finger payment tech
FisklHaringeyLondonMobile-first financial management platform
FlagstoneWestminsterLondonCash deposit platform provider to UK wealth managers
FleximizeIpswichEast of EnglandAlternative finance provider
FloatEdinburghScotlandCashflow software that automatically updates from accounting platforms
FluidlyCamdenLondonAI-driven cashflow management software
FluxTower HamletsLondonReceipts, rewards and loyalty that live inside banking apps
FNZWestminsterLondonPrivides wealth management services to financial institutions
Form3City of LondonLondon‘Payments As A Service’ technology provider
FreeAgentEdinburghScotlandCloud-based accounting software
FreetradeTower HamletsLondonCommission-free stock trading app
Freeze DebtLeedsYorks & HumberDebt advice and solutions app
FunderbeamWestminsterLondonFunding and trading platform for start-ups
Funding CircleCity of LondonLondonP2P lender
Funding OptionsHackneyLondonComparison site for business financing
FutrliBrightonSouth EastCash flow software for small businesses and advisers
Gala TechnologyWath-upon-DearneYorks & HumberBehind SOTpay payment solution
GoCardlessIslingtonLondonPlatform enabling businesses to take online direct debit payments
GoCompareNewportWalesFinancial services comparison website
GoHenryLymingtonSouth EastChildren's bank account and credit card
Gold-iGuildfordSouth EastTrading technology
GoodBoxManchesterNorth WestTech for collecting contactless donations
HasteeCity of LondonLondonAllows employees to draw salary as they earn it
HUBXBarnetLondonHelps financial professionals close more deals
InvstrWestminsterLondonApp for inspiring investors
iwocaCamdenLondonAutomated credit lending facilities
Kani PaymentsNewcastleNorth EastSaaS platform for financial services businesses
LendableHackneyLondonQuick and easy access to loans
Lifecycle SoftwareNewburySouth EastBilling, CRM and reporting software
LifetiseIslingtonLondonFinancial planning platform for big life events
LightyearBelfastNorthern IrelandAccounts payable automation
LOQBOXBristolSouth WestHelps users save their way to a better credit score
MarketFinanceHackneyLondonEurope’s largest online invoice finance platform
MishipayWestminsterLondonMobile self-checkout solution for physical retail stores
ModulrHammersmith and FulhamLondonBusiness payments tech
MoneseWestminsterLondonDigital challenger bank
Money DashboardEdinburghScotlandOnline personal financial management service
MoneyboxSouthwarkLondonApp which rounds up spare change from purchases and invests it
MoneyfarmIslingtonLondonOnline investment adviser
MoneyshakeNewcastle-under-LymeMidlandsCar leasing comparison site
MoneysupermarketEwloeWalesPrice comparison business specialising in financial services
MonzoIslingtonLondonDigital challenger bank
Mutual VisionWilmslowNorth WestDigital mutual which digitises savings and loans services
My Digital AccountsWilmslowNorth WestCloud-based contractor payroll and accounting software
MYPINPADCardiffWalesTurns smart devices into payment terminals and trusted authentication devices
NivauraTower HamletsLondonAutomates issuance of financial instruments
Nucleus FinancialEdinburghScotlandWrap platform for financial advisers
NucoroCity of LondonLondonSaving and investment tech solutions
NutmegLambethLondonDigital wealth manager
Oakbrook FinanceNottinghamMidlandsAI tech helping borrowers to access loans
OakNorthWestminsterLondonBank providing debt finance to SMEs
OmnioWestminsterLondonSmart financial services
One Utility BillNewcastleNorth EastConsolidates household bills and enables payment to be split
OpenGammaIslingtonLondonLeader in derivatives analytics
OpenMoneyManchesterNorth WestDigital financial advice
OpenpaydIslingtonLondonAPI-led banking and payment services
OpenWrksNottinghamMidlandsOpen banking technology
OrdoSouthwarkLondonReal-time bank transfers and invoice tracking
PaidDarlingtonNorth EastAutomated procurement and payment services
PaydockHackneyLondonPayments orchestration platform
PaysafeTower HamletsLondonPayments tech including digital wallets and e-cash alternate payments
PaySendWestminsterLondonInternational money transfer platform
PebbleNewcastleNorth EastCloud-based financial software for schools
PenniesCity of LondonLondonDigital charity box enabling shoppers to donate pennies
PensionBeeSouthwarkLondonOnline pension manager
PlanixsManchesterNorth WestCloud-enabled solutions powering treasuries
PledjarMilton KeynesSouth EastApp for donating spare change to charities
PlumCity of LondonLondonAI assistant which analyses your transactions
PM ConnectBirminghamMidlandsMobile payment solutions
PockitCamdenLondonApp-based banking solution
PreviseCamdenLondonAI platform enabling corporate buyers to pay suppliers instantly
ProactisWetherbyYorks & HumberSpend management solutions
Prodigy FinanceWestminsterLondonStudent finance provider which assesses on future earning potential
QikServeEdinburghScotlandTouchless ordering and payment solution
QuoteOnSiteSwanseaWalesQuote and proposal management software
RailsbankHackneyLondonOpen finance platform for financial institutions
RapydCity of LondonLondonCardless financial network
Rebuilding SocietyLeedsYorks & HumberPeer-to-peer lending platform for SMEs
RevolutTower HamletsLondonDigital challenger bank
Right RevenueSaintfieldNorthern IrelandRevenue management solution for independent hotels
RoosterMoneyWestminsterLondonPocket money app
RoveelNorwichEast of EnglandCloud-based reporting for Sage 50cloud
SageNewcastleNorth EastAccounting software giant
Salary FinanceHammersmith and FulhamLondonImproves wellbeing by helping employees out of debt and into saving
Samuel & Co. TradingWatfordEast of EnglandArtificial intelligence for market trading
SatagoWestminsterLondonOnline platform facilitating provision of invoice financing
SeedrsIslingtonLondonCrowdfunding platform
SeopaBelfastNorthern IrelandIntelligent comparison solutions
ShareInEdinburghScotlandWhite-labelled crowdfunding solution
SnoopNorwichEast of EnglandFree app offering financial advice
SoarGlasgowScotlandProvides banking tech to credit unions and not-for-profit banking organisations
SoldoWestminsterLondonPrepaid business cards
Starling BankCity of LondonLondonDigital challenger bank
StreevaGuildfordSouth EastAutomates claiming of Gift Aid from charitable donations
Suits MeKnutsfordNorth WestAlternative banking solution
SumUpCity of WestminsterLondonCard reader for retail payments
SustainablyEdinburghScotlandEnables rounding up of purchases to benefit charities
takepaymentsStockportNorth WestFormerly Payzone; card payment solutions
TandemCamdenLondonDigital challenger bank
ThinCatsAshby-de-la-Zouch, LeicestershireMidlandsAlternative finance provider to SMEs
Thought MachineIslingtonLondonBuilding technology to revolutionise banking
ThyngsNorwichEast of EnglandNFC technology for cashless payments
TideCity of LondonLondonMobile-first business banking
TIPJARCity of LondonLondonCashless tipping platform
ToucoWestminsterLondonApp for carers to manage money of someone they care for
TransFICCCity of LondonLondoneTrading solutions for fixed income and derivatives markets
TrueLayerIslingtonLondonOpen banking APIs
TumeloBristolSouth WestGives retail investors a say in how institutions vote
VestdMertonLondonEmployee share scheme platform
VibePayHackneyLondonAllows users to send and receive money instantly
WagestreamCamdenLondonOffers employees access to their next wage
Wealth DynamixHackneyLondonClient management solutions for financial firms
Wealth WizardsLeamington SpaMidlandsMakes financial advice affordable
WealthifyPenarthWalesOnline investment service
WeavrIslingtonLondonAllows any company to add banking to their services via APIs
WiseHackneyLondonCross-border money transfers
WombatCamdenLondonInvestment app
WorldRemitWestminsterLondonMoney transfer service for migrants
YapilyHackneyLondonPlatform to better connect business and banks
YobotaIslingtonLondonCloud-native core banking platform
Yorkshire PaymentsBrighouseYorks & HumberPayment tech solutions
Zilch TechnologyWestminsterLondonBuy now, pay later platform
ZopaSouthwarkLondonDigital bank and financial products
ZutoMacclesfield and ManchesterNorth WestOnline car finance and loans