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

It’s time to help decide BusinessCloud’s FinTech 50 ranking for 2023.

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

We have shortlisted 173 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.

Voting begins on Monday 9th October and you will be able to cast your vote until 23:59 on Sunday October 15th. Browse the shortlist below and vote for the company you believe to be the most innovative.

The final FinTech 50 ranking – supported by Tyto, the European PR and communications agency at the intersection of technology, science and innovation – will be published online on Monday November 6th. 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.

Your vote

Voting has now ended – you can see the final ranking here.

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
AccessPay	Manchester	North West	Integration platform connecting businesses to financial systems
Allica Bank	London	Greater London	Tech-driven bank serving businesses
Amplifi Capital	London	Greater London	Platform supporting community-orientated financial institutions such as credit unions & building societies
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
Bango	Cambridge	East of England	Mobile payments firm
Bankable	London	Greater London	Banking as a Service for financial institutions, corporates and FinTechs
Banked	Durham	North East	Payment processing solution acting as gateway between banks, businesses and individuals
BankiFi	Manchester	North West	Open banking API and embedded banking platform
Blackbullion	London	Greater London	Funds management system to improve financial wellbeing of students
Blue Motor Finance	Sundridge	South East	Car finance company which transformed into a FinTech
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	Used car financing platform
Cashflows	Fulbourn	East of England	Simple payment solutions for businesses
Checkout	London	Greater London	Online payment solutions
Chetwood Financial	Wrexham	Wales	Digital challenger bank
Chip	London	Greater London	Automated savings app
CIRCA5000	London	Greater London	Sustainability-focused investment app
ClearBank	London	Greater London	Tech-enabled clearing bank
Cleo	London	Greater London	AI chatbot which looks after consumers' money
CoInvestor	Canterbury	South East	Cloud solutions to digitise investment process
Collctiv	Manchester	North West	Group payments app designed to take the hassle out of collecting money
Cornerstone FS	London	Greater London	Cloud-based provider of international payment, currency risk management and electronic account services to SMEs
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
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
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
Dext	London	Greater London	Automated bookkeeping
DirectID	Edinburgh	Scotland	Credit risk platform
DKK Partners	London	Greater London	Provider of FX liquidity in emerging and frontier markets
e-bate	Leicester	Midlands	SaaS platform to help companies manage rebate and pricing schemes
EdAid	London	Greater London	P2P lending and crowdfunding platform for higher education
Eigen Technologies	London	Greater London	Unlocks value of qualitative data
Emma	London	Greater London	Money management app
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	Westminster	Greater London	API for linking bank cards to digital applications
Finastra	London	Greater London	Software for financial institutions
Fintern	London	Greater London	Uses AI to help people qualify for low-cost loans via Abound platform
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
Fly Now Pay Later	London	Greater London	Spreads the cost of travel over a flexible duration
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
Frost	Manchester	North West	Smart digital account that compares and switches energy supplier & 'lets you pay like a local' when abroad
Funderbeam	London	Greater London	Funding and trading platform for startups
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
InfinitX	Glasgow	Scotland	Public market-type platform for private companies
Invstr	London	Greater London	App for inspiring investors
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
KodyPay	York	Yorks & Humber	Tech for in-person payments, including order & pay and terminals
Kriya	London	Greater London	Online invoice finance platform
Landytech	London	Greater London	Consolidation risk reporting services
Lendable	London	Greater London	Quick and easy access to loans
Lifetise	London	Greater London	Financial planning platform for big life events
LOQBOX	Bristol	South West	Helps users save their way to a better credit score
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
Modulr	London	Greater London	Business payments tech
Monese	London	Greater London	Digital challenger bank
Moneybox	London	Greater London	App which rounds up spare change from purchases and invests it
Moneyfarm	London	Greater London	Online investment adviser
Moneyshake	Newcastle-under-Lyme	Midlands	Car leasing comparison site
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
OakNorth	Westminster	Greater London	Bank providing debt finance to SMEs
One Utility Bill	Newcastle	North East	Consolidates household bills and enables payment to be split
OpenGamma	Islington	Greater London	Leader in derivatives analytics
Openpayd	Islington	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
Paytrix	London	Greater London	Curation layer enabling access to payments providers around world through one API
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
Pento	London	Greater London	Automated payroll software
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
PM Connect	Birmingham	Midlands	Mobile payment solutions
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
QikServe	Edinburgh	Scotland	Touchless ordering and payment solution
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
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
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
Seedrs	London	Greater London	Crowdfunding platform
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
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
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
Swoop	London	Greater London	Funding and savings solutions for ambitious businesses
takepayments	Stockport	North West	Card payment solutions
Tandem	London	Greater London	Digital challenger bank
The Bank of London	London	Greater London	Global clearing, agency and transaction 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
Vega	London	Greater London	Comprehensive platform for wealth creation
Vestd	London	Greater London	Employee share scheme platform
VibePay	London	Greater London	Allows users to send and receive money instantly
VOLT	Bristol	South West	Global real-time payment network
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
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	Mobile ordering platform for restaurants and hotels
Wise	London	Greater London	Cross-border money transfers
Wombat	London	Greater London	Investment app
Yapily	London	Greater London	Platform to better connect business and banks
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