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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

10x BankingLondonGreater LondonDevelops tech platforms underpinning digital banking
1fs WealthLondonGreater LondonData & tech services for family offices and high net worth individuals
AccessPayManchesterNorth WestIntegration platform connecting businesses to financial systems
Allica BankLondonGreater LondonTech-driven bank serving businesses
Amplifi CapitalLondonGreater LondonPlatform supporting community-orientated financial institutions such as credit unions & building societies
ANNA MoneyCardiffWalesBusiness account and tax app for SMEs
APEXX GlobalLondonGreater LondonGateway consolidating global payment providers into a single integration point
Atom BankDurhamNorth EastDigital challenger bank
BangoCambridgeEast of EnglandMobile payments firm
BankableLondonGreater LondonBanking as a Service for financial institutions, corporates and FinTechs
BankedDurhamNorth EastPayment processing solution acting as gateway between banks, businesses and individuals
BankiFiManchesterNorth WestOpen banking API and embedded banking platform
BlackbullionLondonGreater LondonFunds management system to improve financial wellbeing of students
Blue Motor FinanceSundridgeSouth EastCar finance company which transformed into a FinTech
BoodilManchesterNorth WestPayments platform which aims to boost engagement between retailers & their customers
BudLondonGreater LondonAPIs for high street banks
Capital On TapLondonGreater LondonTech platform and lender for businesses
CapitaliseLondonGreater LondonSME lending toolkit
CardstreamTauntonSouth WestPayment gateway offering tailored white-label solutions
CarFinance247ManchesterNorth WestOnline car finance broker
CarmoolaLondonGreater LondonUsed car financing platform
CashflowsFulbournEast of EnglandSimple payment solutions for businesses
CheckoutLondonGreater LondonOnline payment solutions
Chetwood FinancialWrexhamWalesDigital challenger bank
ChipLondonGreater LondonAutomated savings app
CIRCA5000LondonGreater LondonSustainability-focused investment app
ClearBankLondonGreater LondonTech-enabled clearing bank
CleoLondonGreater LondonAI chatbot which looks after consumers' money
CoInvestorCanterburySouth EastCloud solutions to digitise investment process
CollctivManchesterNorth WestGroup payments app designed to take the hassle out of collecting money
Cornerstone FSLondonGreater LondonCloud-based provider of international payment, currency risk management and electronic account services to SMEs
CountingupLondonGreater LondonBanking and accounting app for freelancers and SMEs
CreditspringLondonGreater LondonMembership platform for taking out loans
CrowdcubeExeterSouth WestCrowdfunding platform
CurrencycloudLondonGreater LondonGlobal payments platform
CurrenseaLondonGreater LondonDebit card for overseas payments
CurveLondonGreater LondonAll-your-cards-in-one banking app
DekoLondonGreater LondonBuy Now Pay Later platform
DelioCardiffWalesPrivate asset platforms for leading financial institutions
Delta Financial SystemsBirminghamMidlandsPension administration technology
DextLondonGreater LondonAutomated bookkeeping
DirectIDEdinburghScotlandCredit risk platform
DKK PartnersLondonGreater LondonProvider of FX liquidity in emerging and frontier markets
e-bateLeicesterMidlandsSaaS platform to help companies manage rebate and pricing schemes
EdAidLondonGreater LondonP2P lending and crowdfunding platform for higher education
Eigen TechnologiesLondonGreater LondonUnlocks value of qualitative data
EmmaLondonGreater LondonMoney management app
Essentia AnalyticsLondonGreater LondonInvestment behaviour analytics software that helps investors ignore internal biases
Evolution FundingChesterfieldMidlandsTechnology-led motor finance broker
Fidel APIWestminsterGreater LondonAPI for linking bank cards to digital applications
FinastraLondonGreater LondonSoftware for financial institutions
FinternLondonGreater LondonUses AI to help people qualify for low-cost loans via Abound platform
FisklLondonGreater LondonMobile-first financial management platform
FlagstoneLondonGreater LondonCash deposit platform provider to UK wealth managers
FleximizeIpswichEast of EnglandAlternative finance provider
FloatEdinburghScotlandCashflow software that automatically updates from accounting platforms
Fly Now Pay LaterLondonGreater LondonSpreads the cost of travel over a flexible duration
FNZLondonGreater LondonPrivides wealth management services to financial institutions
Form3LondonGreater London‘Payments As A Service’ technology provider
FreeAgentEdinburghScotlandCloud-based accounting software
FreetradeLondonGreater LondonCommission-free stock trading app
FrostManchesterNorth WestSmart digital account that compares and switches energy supplier & 'lets you pay like a local' when abroad
FunderbeamLondonGreater LondonFunding and trading platform for startups
Funding CircleLondonGreater LondonP2P lender
Gala TechnologyWath-upon-DearneYorks & HumberBehind SOTpay payment solution
GFA ExchangeBirminghamMidlandsRisk management software for finance providers
GoCardlessLondonGreater LondonPlatform enabling businesses to take online direct debit payments
GoHenryLymingtonSouth EastChildren's bank account and credit card
GriffinLondonGreater LondonMakes it simple and cost-effective to develop and launch financial products
HasteeLondonGreater LondonAllows employees to draw salary as they earn it
HyperJarLondonGreater LondonPrepaid card & money app
InfinitXGlasgowScotlandPublic market-type platform for private companies
InvstrLondonGreater LondonApp for inspiring investors
iwocaLondonGreater LondonAutomated credit lending facilities
Jaja FinanceLondonGreater LondonDigital credit card managed through a mobile app
Kani PaymentsNewcastleNorth EastSaaS platform for financial services businesses
KodyPayYorkYorks & HumberTech for in-person payments, including order & pay and terminals
KriyaLondonGreater LondonOnline invoice finance platform
LandytechLondonGreater LondonConsolidation risk reporting services
LendableLondonGreater LondonQuick and easy access to loans
LifetiseLondonGreater LondonFinancial planning platform for big life events
LOQBOXBristolSouth WestHelps users save their way to a better credit score
MintagoLondonGreater LondonHelps businesses save on their workplace pension tax bill and improves the pension wellbeing of their employees
MishipayLondonGreater LondonMobile self-checkout solution for physical retail stores
ModulrLondonGreater LondonBusiness payments tech
MoneseLondonGreater LondonDigital challenger bank
MoneyboxLondonGreater LondonApp which rounds up spare change from purchases and invests it
MoneyfarmLondonGreater LondonOnline investment adviser
MoneyshakeNewcastle-under-LymeMidlandsCar leasing comparison site
MoneysupermarketEwloeWalesPrice comparison business specialising in financial services
MonumentLondonGreater LondonChallenger bank for 'mass affluent'
MonzoLondonGreater LondonDigital challenger bank
Mutual VisionWilmslowNorth WestDigital mutual which digitises savings and loans services
My DigitalWilmslowNorth WestCloud-based contractor payroll and accounting software
MYPINPADCardiffWalesTurns smart devices into payment terminals and trusted authentication devices
OakNorthWestminsterGreater LondonBank providing debt finance to SMEs
One Utility BillNewcastleNorth EastConsolidates household bills and enables payment to be split
OpenGammaIslingtonGreater LondonLeader in derivatives analytics
OpenpaydIslingtonGreater LondonAPI-led banking and payment services
OrdoLondonGreater LondonReal-time bank transfers and invoice tracking
PaydockLondonGreater LondonPayments orchestration platform
PaysafeLondonGreater LondonPayments tech including digital wallets and e-cash alternate payments
PaySendLondonGreater LondonInternational money transfer platform
PaytrixLondonGreater LondonCuration layer enabling access to payments providers around world through one API
PebbleNewcastleNorth EastCloud-based financial software for schools
PenfoldLondonGreater LondonPlatform for opening, combining and managing pension savings
PenniesLondonGreater LondonDigital charity box enabling shoppers to donate pennies
PensionBeeLondonGreater LondonOnline pension manager
PentoLondonGreater LondonAutomated payroll software
PlanixsManchesterNorth WestCloud-enabled solutions powering treasuries
PlayterLondonGreater LondonBuy Now Pay Later' B2B service for SMEs
PlumLondonGreater LondonAI assistant which analyses your transactions
PM ConnectBirminghamMidlandsMobile payment solutions
PockitLondonGreater LondonApp-based banking solution
ProactisWetherbyYorks & HumberSpend management solutions
Prodigy FinanceLondonGreater LondonStudent finance provider which assesses on future earning potential
ProgradLondonGreater LondonHelps users achieve savings targets via side-hustles & jobs, discounts & rewards, and accounts
QikServeEdinburghScotlandTouchless ordering and payment solution
Radius Payment SolutionsCreweNorth WestPayment and fleet services company
RapydLondonGreater LondonCardless financial network
Rebuilding SocietyLeedsYorks & HumberPeer-to-peer lending platform for SMEs
Recognise BankLondonGreater LondonDigital SME banking lender
RevolutLondonGreater LondonDigital challenger bank
Right RevenueSaintfieldNorthern IrelandRevenue management solution for independent hotels
RyftLondonGreater LondonPayments system enabling automated next day payouts for marketplace businesses and their merchants
SageNewcastleNorth EastAccounting software giant
Salary FinanceLondonGreater LondonImproves wellbeing by helping employees out of debt and into saving
SeedrsLondonGreater LondonCrowdfunding platform
ShareInEdinburghScotlandWhite-labelled crowdfunding solution
ShieldpayLondonGreater LondonPayment solutions for legal and professional services industries, marketplaces and eCommerce platforms
SmartLondonGreater LondonTransforming retirement, savings and financial wellbeing
SnoopNorwichEast of EnglandFree app offering financial advice
SoldoLondonGreater LondonPrepaid business cards
Starling BankLondonGreater LondonDigital challenger bank
StennLondonGreater LondonDigital trade finance for international SMEs
StreevaGuildfordSouth EastAutomates claiming of Gift Aid from charitable donations
Suits MeKnutsfordNorth WestAlternative banking solution
SumUpLondonGreater LondonCard reader for retail payments
SwoopLondonGreater LondonFunding and savings solutions for ambitious businesses
takepaymentsStockportNorth WestCard payment solutions
TandemLondonGreater LondonDigital challenger bank
The Bank of LondonLondonGreater LondonGlobal clearing, agency and transaction bank
ThinCatsAshby-de-la-ZouchMidlandsAlternative finance provider to SMEs
Thought MachineLondonGreater LondonBuilding technology to revolutionise banking
TideLondonGreater LondonMobile-first business banking
TimelineHoddesdonSouth EastFinancial planning technology and portfolio management services for financial advisers
TIPJARLondonGreater LondonCashless tipping platform
TokenLondonGreater LondonOpen banking payments platform connecting to banks in Europe
ToqioLondonGreater LondonAllows businesses to launch embedded finance solutions into products
Total ProcessingManchesterNorth WestPayment solutions across eCommerce and in-store channels
totallymoneyLondonGreater LondonCredit score and reporting app
TransFICCLondonGreater LondoneTrading solutions for fixed income and derivatives markets
TreasurySpringLondonGreater LondonTreasury infrastructure for FinTechs
TrueLayerLondonGreater LondonOpen banking APIs
TulipshareLondonGreater LondonActivist retail investment platform
TumeloBristolSouth WestGives retail investors a say in how institutions vote
VegaLondonGreater LondonComprehensive platform for wealth creation
VestdLondonGreater LondonEmployee share scheme platform
VibePayLondonGreater LondonAllows users to send and receive money instantly
VOLTBristolSouth WestGlobal real-time payment network
WagestreamLondonGreater LondonOffers employees access to their next wage
wamoLondonGreater LondonUnifies and organises financial processes into one digital platform
Wealth DynamixLondonGreater LondonClient management solutions for financial firms
Wealth WizardsLeamington SpaMidlandsMakes financial advice affordable
WealthifyPenarthWalesOnline investment service
WeavrLondonGreater LondonAllows any company to add banking to their services via APIs
wi-QManchesterNorth WestMobile ordering platform for restaurants and hotels
WiseLondonGreater LondonCross-border money transfers
WombatLondonGreater LondonInvestment app
YapilyLondonGreater LondonPlatform to better connect business and banks
Zilch TechnologyLondonGreater LondonBuy now, pay later platform
ZopaLondonGreater LondonDigital bank and financial products
ZutoMacclesfieldNorth WestOnline car finance and loans