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Fintech Companies in the UK: 2,100+ Active Firms (2026)
Fintech companies build payments, e-money, lending, data and financial software services for UK consumers and businesses.
fintech companies in this list are UK-registered firms matching: The ideal company develops financial technology for payments, e-money, account information, lending, wealth, insurance, compliance, cryptoasset or business finance use cases. It operates in the UK financial services market and serves consumers, SMEs, enterprises, financial institutions or regulated intermediaries. It has meaningful commercial scale, typically tens to hundreds of employees and annual turnover from several million pounds to around £50 million. It uses software, data infrastructure, APIs, digital onboarding, risk analytics and secure transaction workflows as core operating technology. It fits FCA-relevant service categories where permissions, registration or future authorisation depend on the financial activity provided..
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This list covers 2,125 actively-trading fintech companies, of which 246 report turnover above £5M.
Most active firms file accounts via Companies House and report turnover and headcount through XBRL. Smaller filers (micro-entity / abridged) report less detail; figures for those are estimated from peer benchmarks.
257 firms in this cohort were incorporated since 2022, a signal of recent activity in the sector.
2,125
Active firms
2026
246
£5M+ turnover
Reported threshold
257
Recent incorporations
Since 2022
Key facts
About 11% of the trading cohort reports turnover above £5M (246 of 2,125 firms) — the rest sits below that revenue band.
12% of the cohort was incorporated since 2022 (257 firms), so a sizeable share is in its first few filing cycles.
Fintech obligations in the UK depend on the service offered, rather than the fintech label itself.
The Payment Services Regulations 2017 cover payment-account operation, card payments, acquiring, money remittance, account information services and payment initiation services.
E-money issuers must be authorised or registered by the FCA under the Electronic Money Regulations 2011 unless exempt or already permitted under FSMA.
New FCA cryptoasset rules are expected to come into force on 25 October 2027, after which in-scope cryptoasset businesses will need authorisation to operate in the UK.
HM Treasury stated in April 2026 that UK fintech attracted over £2.6 billion in investment last year, second only to the United States.
Top UK fintech companies
INTERPOLITAN MONEY PLC
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsProvides FCA‑regulated electronic money and payment services, including multi‑currency current accounts, cross‑border payments and collections, foreign exchange services, escrow, and third‑party…
Serves international businesses from start-ups to listed corporates, funds and institutions, private clients, non-residents, property SPVs, family offices, trusts, law firms, accountants and other…
Financial Health
StrongStrong · Growing, Hiring · 19% CAGR over 4y
Location
RAPYD PAYMENTS LIMITED
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsProvides online payment processing and fintech infrastructure for businesses, including card acquiring, hosted checkout, payment links, POS payments, global payouts, card issuing, and multi‑currency…
Serves businesses in eCommerce, marketplaces, iGaming and online gaming, online trading, creator economy, online travel, influencer marketing and B2B payments, as well as developers and payment…
Financial Health
StableStable · -21% CAGR over 4y
Location
Trajectory
2y · 2019–NowFinancial sub-scores
Computed from 2 filingsProvides payment infrastructure and e‑money services for financial institutions, payment service providers and digital asset businesses, including correspondent accounts, virtual IBANs,…
Serves regulated financial institutions and fintech businesses, including banks, EMIs, payment service providers, remittance firms, marketplaces and digital asset providers needing access to GBP/EUR…
Financial Health
StrongStrong · Hiring · 299% CAGR over 1y
Location
Trajectory
3y · 2023–NowFinancial sub-scores
Computed from 3 filingsOperates financial technology and services businesses offering budgeting bank accounts, consumer lending, credit reporting and financial wellbeing tools, and debt advice and support through brands…
Serves consumers, individuals and households managing personal finances, including people who need budgeting support, accessible finance, credit-file insight, financial wellbeing tools, or debt…
Financial Health
DistressedDistressed
Location
Trajectory
5y · 2020–NowFinancial sub-scores
Computed from 5 filingsProvides e‑money issuing and payment services including BIN sponsorship, card issuing support, and digital banking infrastructure. Enables businesses and fintechs to offer card programmes and make…
Serves fintechs and businesses launching payment, card issuing or digital banking programmes, including clients needing BIN sponsorship, UK Faster Payments/SEPA access and payments compliance support.
Financial Health
StableStable · -2% CAGR over 4y
Location
Trajectory
3y · 2023–NowFinancial sub-scores
Computed from 3 filingsProvides international payment services including cross-border money transfers between the UK and Europe, business payment accounts, mass payout processing, API-based payment automation, and client…
Serves businesses moving money between the UK and Europe, including firms with global employees, high volumes of client or supplier payments, online stores, and companies needing payment accounts;…
Financial Health
StrongStrong · Profitable, Growing, Hiring · 61% CAGR over 2y
Location
Emerald Financial Group (UK) Ltd
Trajectory
3y · 2023–NowFinancial sub-scores
Computed from 3 filingsProvides digital financial services for businesses, including multi‑currency accounts with UK sort codes and IBANs, domestic and international payments, foreign exchange, corporate Mastercard cards,…
Sells to businesses needing business accounts, payments, FX, cards and acquiring, especially firms with cross-border or multi-currency needs, including e-commerce merchants and companies operating in…
Financial Health
HealthyHealthy · Profitable, Hiring · 22% CAGR over 2y
Location
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsProvides an online financial platform for businesses to manage international payments, foreign exchange and multi‑currency accounts. Offers corporate cards, expense and spend management, accounts…
Serves SMEs, accountants and their business clients with cross-border financial operations needs, plus individuals making personal international money transfers. Targets organisations paying…
Financial Health
WeakWeak · Hiring · 4% CAGR over 4y
Location
FINANCIAL HOUSE LIMITED
Trajectory
2y · 2024–NowFinancial sub-scores
Computed from 2 filingsProvides payment processing and financial technology services for businesses, including merchant acquiring for card payments, card issuing for prepaid, gift and debit cards, virtual GBP and EUR IBAN…
Targets B2B merchants, fintech platforms and companies that need to accept global payments, issue branded cards or provide client virtual accounts, with emphasis on UK regulatory compliance.
Financial Health
HealthyHealthy · Hiring · 28% CAGR over 1y
Location
Trajectory
5y · 2020–NowFinancial sub-scores
Computed from 5 filingsProvides card payment processing solutions for businesses, including countertop, portable and mobile card machines, online payment gateways and EPOS systems. Also offers merchant cash advances,…
Serves UK businesses that need card and online payment acceptance, including retail stores, restaurants and hospitality operators, mobile service providers and e-commerce merchants.
Financial Health
StrongStrong · Hiring · 22% CAGR over 4y
Location
Trajectory
3y · 2023–NowFinancial sub-scores
Computed from 3 filingsProvides business financing products including unsecured business loans, merchant cash advances, short‑term loans and cash‑flow loans. Offers online application and assessment, enabling small and…
Serves UK-based private and limited companies seeking business finance, especially small businesses in retail, hospitality, healthcare and manufacturing with at least £15,000 monthly turnover and one…
Financial Health
DistressedDistressed · -90% CAGR over 2y
Location
Trajectory
4y · 2022–NowFinancial sub-scores
Computed from 4 filingsProvides multi‑currency payment accounts and wallets for businesses and individuals, including GBP accounts with EUR and USD balances. Enables domestic and international transfers via Faster…
Serves individuals and HNWIs, startups, freelancers, SMEs, large enterprises, professional service firms, EMIs/EMDs, introducers, consultants, technology integrators and government clients,…
Financial Health
StrongStrong · Growing, Hiring · 89% CAGR over 3y
Location
TRADEBRIDGE FINANCIAL TECHNOLOGIES LIMITED
Trajectory
3y · 2023–NowFinancial sub-scores
Computed from 3 filingsProvides working capital financing and revolving credit facilities to small and medium-sized businesses, particularly in sectors such as healthcare, eCommerce marketplaces, childcare and energy…
Sells to established SMEs seeking working capital, particularly in healthcare, childcare, eCommerce, marketplaces and energy efficiency. Serves business owners and operators in the UK, Australia and…
Financial Health
StableStable · -90% CAGR over 2y
Location
INVESTCLOUD LIMITED
Trajectory
4y · 2022–NowFinancial sub-scores
Computed from 4 filingsDevelops financial technology software for wealth managers, asset managers and financial institutions. Provides platforms for trading, portfolio rebalancing, performance reporting, financial…
Serves B2B financial services firms, including wealth managers, asset managers, private banks, broker-dealers and TAMPs, as well as wealth professionals and their end clients.
Financial Health
StableStable · -77% CAGR over 3y
Location
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsDevelops regulatory compliance software for asset managers, hedge funds, banks and other financial institutions. The platform automates monitoring of investment rules, shareholding disclosures,…
Serves compliance teams at asset managers, hedge funds, investment banks, pension funds and other financial institutions, from smaller firms to large global organisations managing regulated…
Financial Health
HealthyHealthy · Hiring · 18% CAGR over 4y
Location
LONDON FINANCE HOUSE (UK) LIMITED
Trajectory
4y · 2019–NowFinancial sub-scores
Computed from 4 filingsProvides financial technology services including merchant acquiring for online payments, card issuing for prepaid and debit cards, and virtual IBAN accounts. Offers APIs for payment integration,…
Serves B2B customers including online merchants, fintechs and platforms that need global payment acceptance, branded card programmes, virtual IBAN accounts, and UK compliance support.
Financial Health
HealthyHealthy · 0% CAGR over 5y
Location
Smartr365 Finance Ltd
Trajectory
5y · 2022–NowFinancial sub-scores
Computed from 5 filingsProvides cloud-based software for mortgage brokers to manage client onboarding, fact-finds, document collection, compliance checks, and mortgage applications, and to submit cases to lenders while…
Serves UK mortgage brokers and mortgage broker firms, targeting advisers and admin teams handling client onboarding, compliance and lender submissions.
Financial Health
HealthyHealthy · Hiring · 4% CAGR over 4y
Location
Trajectory
2y · 2024–NowFinancial sub-scores
Computed from 2 filingsDevelops digital banking software for financial institutions. Provides a platform that enhances customer journeys such as onboarding, applications, payments, servicing and support, enabling banks and…
Sells B2B to financial services organisations, including banks, building societies, automotive finance providers, and credit card, store card and personal loan issuers seeking digital customer…
Financial Health
WeakWeak · -11% CAGR over 1y
Location
FUNDINGXCHANGE LIMITED
Trajectory
5y · 2020–NowFinancial sub-scores
Computed from 5 filingsOperates an online platform that connects businesses with multiple lenders to obtain financing. Enables users to submit a single funding request, compare loan and finance offers, and access products…
Serves UK businesses seeking finance, mainly SMEs comparing funding options, and also works with brokers, lenders and platform partners involved in business lending.
Financial Health
StrongStrong · Growing, Hiring · 8% CAGR over 4y
Location
RISK FREE (UK) LIMITED
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsDevelops financial services software for lenders, insurers, banks and brokers, including loan origination, mortgage and bridging loan platforms, policy and claims administration systems, rating…
Serves B2B financial services institutions, including mortgage lenders, insurers, banks, specialist lenders, large brokerages and broker networks needing financial software and related professional…
Financial Health
StrongStrong · Growing, Hiring · 19% CAGR over 4y
Location
FUNDING OPTIONS LIMITED
Trajectory
5y · 2020–NowFinancial sub-scores
Computed from 5 filingsOperates an online marketplace for small and medium-sized businesses to compare and apply for financing products. Brokers access to loans, asset finance, invoice finance, commercial mortgages and…
Serves UK SMEs and business owners seeking finance, alongside accountancy and advisory partners, acquisition partners, and lenders supporting SME clients.
Financial Health
StableStable · -49% CAGR over 5y
Location
Oxford Risk Limited
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsDevelops behavioural finance software for financial institutions, wealth managers and pension providers. Provides tools for investor risk profiling, personality assessment, engagement analytics, fund…
Sells B2B to wealth managers, financial planners, banks, robo-advisers, pension providers, asset managers and investment product providers serving retail investors.
Financial Health
StrongStrong · Growing, Hiring · 18% CAGR over 4y
Location
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsDevelops and operates financial technology platforms that connect consumers with lenders and financial service providers. Runs online products and partner networks that match customers seeking loans…
Serves both consumers seeking financial products and services and B2B partners in the financial sector, including lenders and affiliates that need customer acquisition and matching to appropriate…
Financial Health
DistressedDistressed · -7% CAGR over 4y
Location
Contemi Solutions (London) Limited
Trajectory
3y · 2023–NowFinancial sub-scores
Computed from 3 filingsDevelops and licenses financial services software platforms for capital markets, insurance, and wealth management. Provides cloud-based applications and related IT consultancy that automate front-,…
Serves B2B financial services firms globally, including wealth and asset managers, insurers, banks, brokers, investment banks, custodians, exchanges and other capital markets institutions.
Financial Health
HealthyHealthy · -17% CAGR over 2y
Location
TRADE NATION FINANCIAL UK LTD
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsProvides online trading platforms offering spread betting and contracts for difference (CFDs) on financial markets including forex, commodities, indices and shares. Also supplies trading technology,…
Sells to retail traders and investors seeking online spread betting, CFDs and forex trading, from beginners to experienced traders. Also serves partners and related financial services businesses…
Financial Health
StableStable · -64% CAGR over 4y
Location
Whistlebrook Limited
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsDevelops and supplies software systems for financial institutions covering financial planning, funds transfer pricing, accounting, treasury management, asset and liability management, hedge…
Serves B2B financial services organisations, including banks, building societies and other financial institutions, targeting finance, treasury, risk, accounting and regulatory reporting teams.
Financial Health
StableStable · 1% CAGR over 4y
Location
Trajectory
5y · 2020–NowFinancial sub-scores
Computed from 5 filingsDevelops financial technology solutions for payment institutions, including platform and technology development and identity verification systems used for customer authentication, KYC and AML…
Serves financial technology institutions and payment businesses needing platform development and customer identity verification for KYC, AML and fraud prevention.
Financial Health
StrongStrong · Growing, Hiring · 26% CAGR over 4y
Location
SOVEREIGN INTERNATIONAL (UK) LIMITED
Trajectory
5y · 2022–NowFinancial sub-scores
Computed from 5 filingsFacilitates foreign exchange transactions and international payments for businesses through regulated fintech partners. Provides currency accounts, named collection accounts, spot and forward FX…
Serves UK businesses trading internationally, especially SMEs and finance teams across sectors such as manufacturing, property development, software, IT services, travel and education.
Financial Health
StableStable · -54% CAGR over 4y
Location
Funding Alternative Group Ltd
Trajectory
5y · 2020–NowFinancial sub-scores
Computed from 5 filingsProvides short-term business funding including merchant cash advances, business cash advances and selective invoice financing. Assesses company revenue and advances funds to support working capital,…
Serves UK small business owners seeking short-term funding, including limited companies, LLPs, sole proprietors and partnerships with at least £25k turnover and six months’ trading history.
Financial Health
HealthyHealthy
Location
Swoop Finance Ltd
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsOperates an online platform that matches businesses with funding options including loans, equity investment and grants. Provides comparison tools and applications for financial products such as asset…
Serves SMEs, startups and growing businesses seeking finance, alongside advisors, brokers, vendors and bookkeepers supporting business clients with funding needs.
Financial Health
StableStable · Hiring · 15% CAGR over 4y
Location
365 BUSINESS FINANCE LIMITED
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsProvides revenue-based finance and merchant cash advances to small and medium-sized businesses. Offers unsecured funding repaid as a percentage of future credit and debit card sales, used for cash…
Serves SMEs in the UK and Ireland, especially card-taking businesses in retail, online retail, hospitality and services, plus brokers and introducers seeking finance options for business clients.
Financial Health
StrongStrong · Hiring · 24% CAGR over 4y
Location
Synergy Exchange Limited
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsProvides working capital finance solutions for small and medium-sized businesses, including supplier payment finance, invoice finance, term loans and asset finance, and support with arranging and…
Serves UK small and medium-sized businesses seeking working capital and funding support, including firms managing supplier payments, invoices, term loans or asset finance needs.
Financial Health
HealthyHealthy · Hiring · 16% CAGR over 4y
Location
Trajectory
5y · 2020–NowFinancial sub-scores
Computed from 5 filingsProvides fintech software and data analytics tools for credit unions and community development finance institutions. Offers loan acquisition and processing systems, automation, and risk assessment…
Serves UK credit unions, CDFIs and other ethical lenders focused on non-prime borrowers, with an indirect consumer market of people seeking affordable alternatives to high-cost credit.
Financial Health
StrongStrong · Hiring · 54% CAGR over 4y
Location
Trajectory
5y · 2020–NowFinancial sub-scores
Computed from 5 filingsDevelops payment processing and income management software that enables organisations to accept and manage payments via web, telephone, face‑to‑face and automated systems, with tools for…
Serves public sector organisations, especially local authorities and their finance, income management and credit control teams, that handle payments from citizens and businesses.
Financial Health
StrongStrong
Location
Giant Finance Limited
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsProvides invoice finance and back‑office software for recruitment agencies, including candidate onboarding, timesheet and payroll management, billing, credit control, compliance screening, and…
Targets B2B recruitment agencies, including start-up and growing recruitment businesses, that manage contractors, candidates, timesheets, payroll and invoicing and need support with cash flow,…
Financial Health
StableStable
Location
API SOFTWARE LIMITED
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsDevelops financial control, regulatory reporting and data management software for financial services organisations. Also provides custom software development, business management systems, QA testing,…
Serves businesses seeking outsourced software expertise, including ecommerce, banking, finance and insurance, logistics and transportation, healthcare and media organisations.
Financial Health
StableStable · Hiring · 18% CAGR over 4y
Location
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsProvides a financial research platform that aggregates macroeconomic and financial market data from multiple sources and offers tools for analysis, charting, visualization, and report creation used…
Serves B2B financial and economic research users at hedge funds, investment banks, asset managers, research institutions, pension funds and corporations, including economists, strategists and traders.
Financial Health
StrongStrong · Growing, Hiring · 44% CAGR over 4y
Location
Industrial Thought Limited
Trajectory
3y · 2023–NowFinancial sub-scores
Computed from 3 filingsOperates as a holding company for businesses developing software, financial data products and consultancy services for the wealth and investment management sector, including investment tax…
Sells to businesses in wealth management, investment banking and financial services, including UK wealth and investment firms and potential strategic partners.
Financial Health
StrongStrong · Growing, Hiring · 216% CAGR over 2y
Location
542 DIGITAL LIMITED
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsDevelops bespoke fintech software and data platforms. Collects and processes large financial datasets, builds analytics and modelling tools, and integrates AI and LLM systems to automate analysis,…
Serves financial services businesses, including data vendors, trading desks, market analysts and teams handling financial data, analytics, monitoring, content and AI-driven workflows worldwide.
Financial Health
StrongStrong · Growing, Hiring · 17% CAGR over 4y
Location
Euro IT Group Limited
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsProvides payment and IT support services for payment providers and merchants, including EPOS and payment terminal deployment, project management, logistics and asset handling, white‑label helpdesk…
Serves ISOs, ISVs, payment acquirers and merchants across the UK, as well as payments and technology partners that need white-labelled operational support, logistics, engineering coverage and rollout…
Financial Health
DistressedDistressed
Location
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How this list is built
Data sources
This list is built from UK Companies House filings, XBRL accounts data, and semantic analysis of each company's public website. Revenue and headcount figures come from the most recent filed accounts; where the company has not filed, values are estimated using a model trained on filed history and peer benchmarks and are labelled as estimates.
Classification
Rather than relying solely on SIC codes, Firmbase classifies each company semantically: the company's website is crawled, an AI model reads what the company actually sells, and the company is placed into the relevant industry and subsectors. SIC codes are used as one signal but not the only one. This means a company that registered under a generic SIC code but pivoted into (for example) fintech is correctly identified as fintech, not as its original SIC category.
Freshness
The underlying company data is refreshed from Companies House continuously; filings appear in the list within days of submission. The curated list ordering is regenerated when the underlying data moves meaningfully (company count changes by more than 5%, a new company enters the top-ranked segment, or the filed-revenue numbers for the top firms change). You can see the last-updated timestamp near the top of the page.
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