London Fintech Startups

Fintech startups build software for money: how people pay, save, borrow, invest and run the finances of a business. Some sell directly to consumers, while others build the plumbing that banks, lenders and other companies rely on behind the scenes.

London is one of the world’s big financial centres, so fintech founders here work close to banks, insurers, regulators, investors and the specialist advisers the industry depends on. That closeness is part of why so many financial technology companies choose to base their teams in the city.

This page lists the fintech companies on London Startup Map that have a London office. They are grouped by the funding stage recorded on each listing, from early teams to companies that have raised several rounds. Open a company to see what it does, where its office is, who founded it and any events it is linked to, or use the map to see which fintech teams are near you. Listings are not a ranking or investment advice; check each company’s own website for its latest news.

Pre-seed 14

Seed 38

11:FS

Digital banking is only 1% finished which is why we’re working with global brands to research, design, build, and launch the next 99%.

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Adclear

The compliance platform trusted by leading UK finance brands. Automate ad approvals, eliminate bottlenecks, and stay FCA-compliant. Get same-day approvals.

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Ancep

AI agents that help commercial insurance brokers place risks and manage clients

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Atlar

Treasury and payments automation platform for finance teams.

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Bracket

AI-native treasury and FX management platform for mid-market finance teams

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Briefcase

AI-native bookkeeping and financial close automation for accountants

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Coinrule

Coinrule Automates Your Crypto and Stock Investments

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Eligible

Mortgage servicing platform helping lenders retain and engage borrowers

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EyesClear

Real-time AML transaction monitoring for banks and payment providers

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Fiat Republic

Banking-as-a-Service API connecting crypto platforms to regulated fiat payment rails.

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finbar

The AI investment analyst

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HUBUC

Global Card Issuing and Payment Processing Engine

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Infact

Real-time credit bureau powering fairer, responsible lending decisions

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InvestEngine

Commission-free ETF investing platform for individuals and SMEs.

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Juice

Revolving credit lines and AI-powered cash flow insights for UK SMEs.

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Minimum

Helping corporates achieve Net Zero through tech solutions.

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MintCash

Payments infrastructure for pay-ins, treasury and pay-outs for underserved businesses

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Multiply

AI platform that automates financial advice delivery for wealth management firms

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Novabook

The accountant for startups

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Ophelos

AI-native debt resolution platform helping people clear debts their way

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PANTA

SaaS platform automating the design and management of complex financial indices.

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Plend

Responsible consumer lender making affordable personal loans accessible via Open Banking.

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Plural AI

AI knowledge engine for private debt, private equity, and bank investment teams

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QFEX

24/7 Global Stock Exchange

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Revenir

First API solution for tax returns.

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Round Treasury

AI-powered treasury, payments and payroll automation for finance teams

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RuleSpark

Legal compliance platform helping companies promote tokens into regulated markets.

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Seapoint

One account for payments, invoices, expenses, treasury, and bookkeeping. Built for funded European startups.

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Sidekick Money

Wealth management and savings app for the mass-affluent millennial market

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StrideUp

Shariah-compliant home purchase plans, a halal mortgage alternative

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Tab

Revolutionising the way travellers discover, plan and book a trip

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Totally

Gift card and payout API for fintech platforms to embed 3,000+ reward brands

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Tranched

Real-time on-chain securitisation platform for fintech lenders and institutional investors

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Tulipshare

Activist investment platform letting retail investors pool shareholder voting power

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Tuza

AI agents that automate manual operations for banks

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Wealt

Access exclusive late-stage startup and private market opportunities with minimums. Join curated SPVs in VC and PE, typically reserved for institutions.

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WealthAi

AI Operating System for Wealth

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Zuba

Payments infrastructure to send, hold and receive money across 180 countries

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Series A 40

Adfin

The only platform to automate payment collection end-to-end. Eliminate manual work, reduce late payments and accelerate cash flow.

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Arva AI

AI Agents to scale AML, KYB and KYC operations

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Banked

Account-to-account real-time payments

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Capi Money

Helping businesses in emerging markets make pay their international…

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Caribou

The autonomous tax firm

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Carmoola

Mobile-first direct-to-consumer car finance with instant approval and no brokers

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Creditspring

FCA-regulated lender offering no-interest loans for a monthly membership fee

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Cuvva

UK app-first insurer offering flexible hourly and monthly car insurance policies.

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Diligent

AI agents for fintech risk and compliance operations

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Elwood

Institutional digital-asset trading and portfolio-management infrastructure.

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Emma

UK money management app that tracks spending, subscriptions, and budgets.

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Female Invest

Female Invest is a social e-learning app for finance and investing

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Gaia Family

The better way to pay for your IVF. Started from our founder's own experience, we exist to fix the IVF journey for future families.

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GoCardless

We’re building the world’s bank payment network.

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Griffin

Welcome to the platform for your next financial product or service. The bank you can build on.

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Hyperlayer

Banking tech behind the HyperJar money-management wallet

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Incard

Banking, cards, cashflow, capital and treasury with cashback on every pound you spend running the business.

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Intropic

Financial data and index rebalance forecasts for investment managers

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Kota

What your benefits broker always should have been

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Lenkie

Payables financing platform letting UK SMEs pay suppliers now and spread costs over 12 months

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Liveflow

The agentic accounting platform for multi-entity finance teams.

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NALA

Cross-border stablecoin payments, licensed in 15+ markets

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nsave

Trusted $€£ accounts abroad for people from unstable economies.

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Outpost

AI merchant-of-record and tax-of-record platform for global selling.

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Penfold

Digital auto-enrolment workplace pension platform for UK businesses and freelancers

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Saturn

AI-powered operating system for wealth management and financial advice firms

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Sequence

AI revenue platform automating billing, CPQ and accounts receivable for B2B finance teams

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spektr

AI-powered compliance workflows for banks, fintechs and regulated businesses.

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Sprive

Mortgage app that helps homeowners overpay and become mortgage-free faster.

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Stacks

Agentic AI platform automating enterprise finance close and reconciliation.

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SubscriptionFlow

AI based Customizable Subscription & Revenue Management Platform

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Swiipr

Payments platform for airlines to instantly issue disruption compensation to passengers

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TaxScouts

Online self-assessment tax filing with accountants.

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Triffin

AI cash-flow, payments and flexible funding platform for consumer brands.

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TRIVER

Open Banking-powered invoice finance platform that funds UK SME invoices in minutes.

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Urban Jungle

Online home and travel insurance built for renters and sharers in the UK.

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Vega

Building the Alternative: The AI-native operating system for investor relations

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Verto

Cross-Border Payments and FX Simplified

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wamo

AI-driven business accounts and payments platform for SMEs.

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Zeal

Turns card payment terminals into customer loyalty and analytics platforms for retailers.

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Series B 26

Apron

Sort, pay and reconcile your invoices in seconds.

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Aspora

Single account to manage money across the world

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BKN301

AI-native financial infrastructure platform for banks and fintechs to modernise core systems

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Bondaval

Digital platform providing non-cancellable B2B credit risk protection via MicroBonds

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Bud

Bud empowers financial companies to access, make sense of, and enrich messy transaction data – transforming it into rich actionable insights.

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Credit Benchmark

Aggregated credit consensus ratings from 40+ global banks covering 120k+ obligors

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Flock

Digital telematics-powered motor fleet insurance for couriers, rentals, taxis and haulage.

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Laka

Laka is collective bicycle insurance especially for cyclists. We flipped insurance. By making it pay to pay out, we are the collective that backs each other. Protect your bikes and gear against theft & damage with Laka 5-star rated cycle i…

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LemFi

Fair, simple and accessible financial services

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Marshmallow

Inclusive car insurance

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MillTech

Automated FX hedging and treasury management platform for corporates.

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Monument Bank

UK digital savings bank for mass-affluent professionals and property investors

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Napo

Pet insurance with comprehensive cover including dental, behavioural and preventive care.

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Noda

Harness the power of APIs with Noda

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Payhawk UK

Unify all business spend in one AI-powered spend management platform. Gain complete control, visibility, and automation - without the complexity.

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Plum

Smart savings and investing app for everyday money.

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Raylo

Consumer device subscription and leasing infrastructure.

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Superscript

Online business insurance broker for SMEs and complex enterprises in the UK

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Taptap Send

Mobile app for low-cost money transfers to Africa, Asia and Latin America.

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TreasurySpring

Digital platform giving institutions simple access to short-dated cash investments

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Uncapped

Revenue-based financing platform lending up to $2M to online businesses without equity dilution

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Updraft

Consumer lending app that consolidates credit card debt into a single repayment plan.

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Volt

One integration to a world of real-time payments. Switch on the global standard for Pay by Bank. Pay-ins. Payouts. Cash management.

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Weavr

Weavr's embedded finance solution is fully headless, easily integrated, and designed to seamlessly enhance your brand.

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Yapily

Connect to thousands of banks across 19 countries in minutes through Yapily

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Yaspa

Open-banking payments and identity checks for regulated businesses.

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Series C+ 71

10x Banking

Cloud-native core banking platform used by Chase UK, Westpac and other large banks.

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Abound

abound.com - coming soon

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Airwallex UK

Grow your business faster with Airwallex - global business accounts, high speed transfers, multi-currency cards, online payments, embedded finance, and more.

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Allica Bank

Switch to a rewarding business bank built especially for established businesses. Call us on 0330 094 3333 or apply online.

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Capital on Tap

SME business credit cards and spend-management platform for UK and US small businesses.

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Checkout.com

Global payments platform for digital commerce.

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ClearBank

Go back to the home page to find your way, or perhaps check our latest news .

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ClearScore

Get your free credit score and credit report and be ClearScore sure. Check them as often as you like - it won’t affect your score.

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Cleo

AI personal finance assistant

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Codat

API platform giving banks and fintechs standardised access to SMB financial data.

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ComplyAdvantage

FinCrime compliance re-engineered for the age of AI. Automate 95% of reviews and cut onboarding times by 50% with ComplyAdvantage.

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Corgi

AI-native insurance carrier for startups, running a 24/7 founder cafe in Shoreditch

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Crowdcube

FCA-regulated private-market investment platform for primary and secondary startup deals.

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Currencycloud

Cross-border payments infrastructure for banks, fintechs and platforms (Visa-owned).

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Curve

All-your-cards-in-one super wallet

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Ebury

International payments, FX, trade finance and multi-currency accounts for SMEs.

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Equals Money

Listed payments group offering FX, prepaid cards, spend management and embedded money movement for SMEs.

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Flagstone

Access hundreds of savings accounts from 65+ banks. All in one place, with a single application. Open an account.

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Form3

Cloud-native account-to-account payments platform for banks and payment firms.

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Freetrade

Join 1.6m users on Freetrade's award-winning trading platform. Invest commission-free in 7,600+ global stocks, funds, ETFs, and more with an ISA, SIPP, or GIA.

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Funding Circle

Help your business go further with the UK's no.1 platform for small business loans & finance. Borrow up to £750k and get a decision in as little as 1 hour.

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Fuse Energy

Fuse Energy is building the future of energy with cheaper tariffs, better service, and greener goals. Switch to Fuse Energy today

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Genesis Global

Low-code application development platform for capital markets and financial institutions.

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Iwoca

Get a quick decision on iwoca business loans ranging from £1,000 to £1,000,000. Repay in 1 day to 24 months with no penalty for early repayment. Fast, flexible finance for UK businesses.

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Klarna

Manage payments securely with Klarna—online, in store, or with the Klarna Card. Flexible and interest-free options. 18+, T&Cs apply, Credit subject to status.

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Lendable

Consumer lending platform

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Liberis

Embedded revenue-based finance platform that lets partners offer SME funding.

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ManyPets

Pet insurance and vet-care platform for dogs and cats (formerly Bought By Many).

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Modulr

Automate your finance operations with Modulr

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Mollie UK

Start growing your business with Mollie Payments, for online and in-person payments: ✓ Quick setup ✓ Honest pricing ✓ All leading payment methods. Start today »

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Monese

Your banking alternative – manage your money the simple way with Monese. Open accounts in multiple currencies to spend abroad and transfer money.

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Moneybox

UK savings and investment app for ISAs, pensions and home-buying

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Monzo

Mobile-first neobank

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OakNorth

Lending for scale-up businesses

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Onfido

AI-powered identity verification for online businesses.

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Paddle

Increase revenue, reduce risk and reduce cost with the payment solution powering global revenue for n8n, Letterboxd & AdGuard. One platform that handles billing, tax and compliance.

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Paymentology

Global card issuer-processor across 68 countries, adding stablecoin services.

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Paysend

Cross-border payments network for consumers and businesses.

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PensionBee

PensionBee is a global leader in the consumer retirement market with over $7 billion in assets on behalf of more than 275,000 customers.

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Plaid

Plaid helps all companies build fintech solutions by making it easy, safe and reliable for people to connect their financial data to apps and services.

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Pleo UK

The business expenses solution that empowers your people to do more. Join the thousands of companies that trust Pleo to make paying for stuff at work easier

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PrimaryBid

London retail investment platform

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Primer

Payments infrastructure platform unifying checkout, routing and optimisation for merchants.

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Rapyd

With Rapyd, your business can accept and send payments to just about anyone, anywhere. Faster, cheaper and easier. No one gives you more solutions to integrate global payment processing and fintech.

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Ravelin

AI fraud-prevention and payments platform for online merchants (Worldpay-owned).

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Revolut

Global financial super-app

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Salary Finance

Responsible Financial Products and Educational Resources that improve Employee Financial Wellbeing.

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Seedrs

UK equity-crowdfunding platform now trading as Republic Europe.

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Smart

Workplace pension and retirement technology platform for employers and institutions.

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Soldo

Soldo is the prepaid Mastercard® company card that does your expenses for you. Discover a smarter way to manage business spending using company cards

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Starling Bank

Business and personal neobank

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Storfund

Pays marketplace sellers (Amazon, TikTok Shop etc.) on the day they sell.

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Stream

Earned wage access for employers

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Stripe

Stripe is a financial services platform that helps all types of businesses accept payments, build flexible billing models and manage money movement.

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SumUp

Large payments company with London HQ

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Taktile

Agentic decision platform for banks and insurers.

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Tembo Money

Savings and mortgage platform helping first-time buyers onto the property ladder

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Teya

Join 75,000+ UK businesses using Teya. Card machines, business account and funding in one place. Easy setup, next-day payouts. See our offers today.

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Thought Machine

Thought Machine's Vault core banking platform gives banks full control to do, and build, anything they want. We designed the system from scratch to give our clients total choice, flexibility and power. The world's top banks have…

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Tide

Business banking and admin for SMEs

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Token.io

Token.io’s A2A payments infrastructure empowers banks, fintechs, platforms, and payment companies. Reach more payers in more markets, whitelabel and embed Pay by Bank anywhere, and see results fast. Contact us today.

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TransferGo

Low-cost international money transfers aimed at migrant workers and SMEs.

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TrueLayer

Open banking payments and data infrastructure.

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Veriff

AI-powered identity verification solution for fraud prevention.

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Vitesse

Treasury and payments infrastructure for insurers across 200+ countries.

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Wise

International money transfers (LSE-listed)

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WorldRemit

Digital cross-border remittance app under Zepz (with Sendwave).

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YouLend

Embedded financing platform letting marketplaces and PSPs offer merchant lending.

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Zego

Zego makes insurance simple for drivers and businesses, with flexible cover and telematics that reward safer habits - trusted by over half a million UK drivers.

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Zilch

Ad-subsidised buy-now-pay-later

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Zopa

Open a Zopa bank account with cashback and interest. Plus easy-to-use loans, credit cards, savings and more, all in one simple, secure app.

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Bootstrapped 5

Stage not listed 10