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Fintech Companies in Birmingham: 49 Active Firms (2026)
Fintech companies in Birmingham build financial software, payment infrastructure and data tools for regulated and commercial users.
Buying centres split between finance operations, payments, risk, compliance and product teams rather than a single technology owner. Birmingham firms that fit this page tend to sell into financial institutions, merchants and other regulated users, often where workflow software has to sit alongside payment rails, account-information tools or e-money services. Engagements look closer to specialist B2B deployments than mass-market consumer apps: procurement is shaped by compliance evidence, integration with existing finance systems and the buyer’s tolerance for regulated operational risk.
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The Birmingham cohort contains 49 actively trading fintech companies, with reported employment of 311 people. That points to a compact local market by UK fintech standards: enough firms to show a repeatable cluster, but not enough to suggest a deep local supplier base across every fintech sub-segment. Most appear to be small suppliers or specialist product teams serving regulated buyers, with only a few sitting above £5M in turnover. The employment footprint is therefore likely to sit in product, compliance, engineering and commercial roles rather than branch-heavy financial services operations.
FCA obligations turn on the service offered, not on the fintech label. Payment-account operation, card payments, acquiring, money remittance, account-information services and payment-initiation services all sit within the payments perimeter, while e-money issuers generally need FCA authorisation or registration unless an exemption or existing permission applies. Cryptoasset activity is also moving further inside the FCA’s remit, so Birmingham firms selling regulated workflow, payments or data products have to treat authorisation status, safeguarding, financial promotions and operational controls as part of product design rather than late-stage legal review.
Birmingham’s fintech base appears more likely to evolve through adjacent financial-services demand than through a wave of very large standalone platforms. Specialist providers with evidence of compliance readiness, integrations into bank or merchant workflows and a clear regulated-use case should find the easier route to procurement. Firms without that evidence may face longer sales cycles as buyers ask for more assurance around authorisation, safeguarding, resilience and data governance. Consolidation also looks plausible, with larger financial software groups tending to absorb narrow workflow tools once those tools become embedded in regulated operations.
49
Active firms
2026
3
Above £5M turnover
turnover threshold
6
Incorporated since 2022
newer registrations
Key facts
About 6% of the trading cohort reports turnover above £5M (3 of 49 firms) — the rest sits below that revenue band.
12% of the cohort was incorporated since 2022 (6 firms), so a sizeable share is in its first few filing cycles.
UK fintech is regulated by activity rather than label, so payment-account operation, card payments, acquiring, money remittance, account information services and payment initiation services sit under the Payment Services Regulations 2017.
Firms providing payment services as a regular UK business activity generally need FCA status as an authorised payment institution, small payment institution or registered account information service provider.
E-money issuers must be authorised or registered by the FCA under the Electronic Money Regulations 2011 unless exempt or already permitted under FSMA.
In-scope cryptoasset businesses are expected to need FCA authorisation from 25 October 2027.
The UK fintech market includes over 3,000 firms and attracted over £2.6 billion in investment in 2025.
Top Birmingham fintech companies
Trajectory
5y · 2019–NowFinancial sub-scores
Computed from 5 filingsProvides payment and foreign exchange services for businesses, including virtual accounts, card payment terminals and gateways, international B2B transfers, local currency payments, and cash…
Serves UK corporates and B2B firms engaged in cross-border trade, including finance teams managing international payments, foreign exchange exposure and multi-currency accounts.
Financial Health
StrongStrong · Hiring · 41% CAGR over 5y
Location
Develops AI-based decisioning software for financial services. Provides a cloud platform that integrates data, analytics and workflow tools to automate credit risk assessment, fraud and identity…
Sells to B2B financial services and commerce firms, including banks, credit unions, fintechs, payments providers, telcos, auto finance, BNPL, consumer lending, credit card, digital banking, embedded…
Location
Provides cloud-based AI decisioning platform for financial services to manage credit risk, fraud detection, identity verification and compliance across the customer lifecycle, with data integration,…
Serves B2B financial services and commerce organizations, including banks, credit unions, fintechs, payments providers, telcos, auto finance, BNPL, consumer and SME lenders, credit card issuers,…
Location
SWAPMONEY LTD
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsProvides a fintech platform for international money transfers and foreign exchange. Enables individuals and businesses to send and receive cross-border payments, settle trade obligations, and…
Serves individuals, expatriates, families and students sending international remittances, plus SMEs and corporates with cross-border payment needs for suppliers, tuition, medical, mortgage and trade…
Financial Health
StableStable · Hiring · 47% CAGR over 4y
Location
Trajectory
3y · 2023–NowFinancial sub-scores
Computed from 3 filingsOperates an online lending platform connecting investors with individuals or businesses seeking asset‑backed loans. Arranges and administers secured lending opportunities and enables lenders to…
Serves high-net-worth individual and company borrowers, alongside private lenders and investors prepared to fund loans to individuals or businesses, including IFISA users and higher-risk investment…
Financial Health
HealthyHealthy · -29% CAGR over 2y
Location
Trading Central International Limited
Trajectory
3y · 2023–NowFinancial sub-scores
Computed from 3 filingsProvides financial market research and analytics tools for online brokers and investors, including AI‑driven technical and fundamental analysis, news and sentiment monitoring, economic calendars, and…
Serves B2B financial services firms, especially online brokerages, digital wealth platforms, trading apps and crypto brokers, plus market professionals and individual investors.
Financial Health
StableStable · -9% CAGR over 2y
Location
Trajectory
2y · 2023–NowFinancial sub-scores
Computed from 2 filingsProvides an online platform for currency exchange and cross-border financial transactions, enabling users to convert currencies and manage payments through digital tools and account features.
Financial Health
DistressedDistressed
Location
Sigmacity Limited
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsOperates an online platform that collects and standardises due‑diligence information on investment funds and their providers. Gathers questionnaire-based qualitative data from asset managers and…
Serves B2B financial services clients, including wealth managers, fund selectors and other fund buyers, plus fund managers and fund providers participating in the platform.
Financial Health
HealthyHealthy · Hiring · 24% CAGR over 4y
Location
Overseas Express Limited
Trajectory
5y · 2020–NowFinancial sub-scores
Computed from 5 filingsProvides international money transfer and remittance services, enabling individuals to send funds abroad, particularly to Pakistan. Operates online and via mobile app, offering currency exchange,…
Serves UK consumers and business clients sending money abroad, with a clear focus on people remitting funds to friends, family, or recipients in Pakistan.
Financial Health
WeakWeak · 0% CAGR over 4y
Location
KBBS SYSTEMS UK LIMITED
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsDevelops fraud detection and case management software for insurance companies. Provides AI and machine‑learning tools to score claims and policies, perform link analysis, manage investigations,…
Serves B2B insurance organisations, particularly claims, policy, fraud investigation and compliance teams responsible for detecting and managing insurance fraud.
Financial Health
StableStable · -67% CAGR over 4y
Location
DIRECT REMIT LIMITED
Trajectory
5y · 2020–NowFinancial sub-scores
Computed from 5 filingsProvides international money transfer services via a mobile app and online platform, enabling users to send funds to bank accounts, mobile wallets, cash pickup locations, or home delivery through a…
Serves expatriates, migrants and other consumers sending money internationally to family or beneficiaries through bank deposits, mobile wallets, cash pickup and home delivery networks.
Financial Health
StrongStrong · Growing, Hiring · 27% CAGR over 6y
Location
APS International Limited
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsProvides international remittance services enabling individuals to send money to recipients in The Gambia, Senegal and other African countries. Also offers mobile phone top‑ups, electricity meter…
Serves individuals and diaspora customers worldwide supporting family and loved ones in The Gambia, Senegal, Nigeria, Liberia and other African countries; also targets prospective remittance agents…
Financial Health
StrongStrong · Growing, Hiring · 8% CAGR over 4y
Location
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsProvides international money transfer services via web and mobile app. Enables customers to send funds to recipients in countries including Sudan, Egypt and the Middle East through bank transfers,…
Serves consumers and diaspora communities in the UK, EU and Canada sending money to family or recipients in Sudan, Egypt, the Middle East and other international destinations.
Financial Health
StrongStrong · Growing, Hiring · 10% CAGR over 4y
Location
SMARTPAY MERCHANT SERVICES LIMITED
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsProvides merchant payment processing services for businesses, including credit and debit card processing, point‑of‑sale systems, EMV terminals, mobile and wireless payment solutions, payment…
Serves small and local businesses needing merchant services, including retailers, restaurants, gyms, beauty salons, auto firms, healthcare practices, trades, florists, liquor stores and other…
Financial Health
StrongStrong · Growing, Hiring · 11% CAGR over 4y
Location
Trajectory
4y · 2022–NowFinancial sub-scores
Computed from 4 filingsDevelops and operates technology platforms for lead generation and retargeting in the consumer finance sector. Connects consumers with financial service providers and supports partners through…
Serves consumers seeking consumer finance and financial services, alongside finance companies and partners in and around Northern Europe.
Financial Health
DistressedDistressed · -11% CAGR over 3y
Location
Trajectory
4y · 2022–NowFinancial sub-scores
Computed from 4 filingsProvides a mobile application for Shariah‑compliant investing, offering screening of global stocks, ETFs and funds, portfolio tracking via connected brokerage accounts, compliance reports, alerts on…
Serves Muslim retail investors and ethically minded individuals seeking Shariah-compliant access to global stocks, ETFs and mutual funds, including new investors and people managing existing…
Financial Health
DistressedDistressed · -16% CAGR over 3y
Location
TAILFIN FINANCE LIMITED
Trajectory
3y · 2023–NowFinancial sub-scores
Computed from 3 filingsProvides a platform that automates high‑volume, low‑value business payouts, including refunds, vendor disbursements and insurance claim payments. Ingests payment data, validates recipients, and…
Serves enterprise finance and treasury teams in sectors such as healthcare, insurance, auto lending, financial services and consumer goods, especially organisations handling high volumes of refunds,…
Financial Health
DistressedDistressed
Location
Bytestrype Limited
Trajectory
5y · 2022–NowFinancial sub-scores
Computed from 5 filingsDevelops and provides a software platform for payment and fuel card programmes, including card issuing and management, billing, pricing tools, market intelligence, and reporting, with integrations to…
Serves B2B payment and fuel card issuers, card portfolio operators, and related financial or forecourt businesses managing card programmes and issuer integrations.
Financial Health
StableStable · 0% CAGR over 3y
Location
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsProvides digital investment and wealth management platform technology for financial advisers, banks and fintech firms. Offers white‑label investment platforms, account administration, trading and…
Serves adviser firms, financial services corporates, direct-to-consumer investment providers and fintechs needing white-label wealth platform technology to support and scale client investment…
Financial Health
StableStable
Location
Lending Direct Limited
Trajectory
3y · 2023–NowFinancial sub-scores
Computed from 3 filingsDevelops and operates digital infrastructure for specialty lending, including a proprietary loan operating system (LARA) used to manage loan origination, servicing, and investment processes for…
Serves B2B clients and partners in the specialty lending sector, including financial services firms and lending businesses.
Financial Health
HealthyHealthy · -13% CAGR over 2y
Location
AXCESS PAYMENT SERVICES LTD
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsProvides payment processing services for businesses, including payment gateway integration, merchant accounts, recurring billing, mobile and point‑of‑sale payments, and multi‑currency e‑commerce…
Serves businesses of all sizes, including e-commerce merchants, money remittance firms, and companies taking online, mobile, telephone or point-of-sale payments across domestic and international…
Financial Health
StableStable · Hiring · 23% CAGR over 4y
Location
ACIW LTD.
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsDevelops software for banks, merchants and billers to process and manage digital payments. Provides payment orchestration, card issuing and acquiring, real-time and cross-border payments, bill…
Sells to businesses across the payments ecosystem, including banks, payment processors, merchants, billers, PSPs and central infrastructure operators in sectors such as financial services, airlines,…
Financial Health
HealthyHealthy · Hiring · 4% CAGR over 4y
Location
AXCESS MERCHANT SERVICES LIMITED
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsProvides payment processing and merchant account services, including payment gateways, point‑of‑sale systems, pay‑by‑link, recurring billing, and fraud management. Focuses on online and high‑risk…
Serves B2B merchants in high-risk and online sectors, including subscription businesses, CFD/Forex brokers, financial services, travel, online retail, gaming and gambling, dating, CBD, and…
Financial Health
StrongStrong · Growing, Hiring · 36% CAGR over 4y
Location
ASK SECURITIES LIMITED
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsProvides electronic trading and order routing services to financial market participants through the ROX platform, offering order management and execution management tools, API and FIX connectivity,…
Serves existing professional traders and trading firms in the UK and Europe needing market access, order routing and OMS/EMS connectivity to exchanges, ECNs, dark pools and market makers.
Financial Health
WeakWeak
Location
Trajectory
3y · 2023–NowFinancial sub-scores
Computed from 3 filingsProvides an API-based platform that connects financial institutions, insurers, auditors and software platforms to customers’ accounting systems, retrieving and standardising real-time financial and…
Serves B2B financial institutions, lenders, auditors, insurers, trade credit insurance providers and finance platforms working with SME and corporate customers.
Financial Health
StrongStrong · Hiring · 29% CAGR over 2y
Location
HALO TRANSFERS LTD
Trajectory
3y · 2023–NowFinancial sub-scores
Computed from 3 filingsProvides international money transfer and foreign exchange services for personal and business clients. Offers spot currency trades, forward contracts, market orders, regular transfer plans, and…
Serves private individuals and businesses with international currency requirements, including UK customers sending or receiving funds across Europe, North America, Australasia, Asia and other listed…
Financial Health
StrongStrong
Location
Ark Insurance Group Limited
Trajectory
4y · 2022–NowFinancial sub-scores
Computed from 4 filingsProvides an online platform for insurance brokers to compare and place cover with multiple insurers. Offers products including property owners, home, non-standard property, liability, caravan,…
Sells to smaller independent insurance brokers and intermediaries, with end-customer markets including property owners, non-standard homeowners, leisure operators, event organisers, equipment hirers,…
Financial Health
StableStable · Hiring · 8% CAGR over 3y
Location
Trajectory
4y · 2021–NowFinancial sub-scores
Computed from 4 filingsSupplies card payment terminals and merchant accounts for businesses, enabling in‑person card transactions. Provides terminal rental, payment processing, EPOS systems, and next‑day settlement…
Serves UK businesses that take card payments, including small retailers, hospitality venues, seasonal traders and other merchants needing card terminals and merchant accounts.
Financial Health
StableStable · 0% CAGR over 3y
Location
STARK ASSOCIATES LTD
Trajectory
4y · 2021–NowFinancial sub-scores
Computed from 4 filingsProvides treasury and liquidity services for businesses, including trade finance, cross‑border payment processing, multi‑currency virtual accounts, and foreign exchange risk management. Offers a…
Serves B2B customers, particularly African and emerging-market businesses trading internationally, including corporates needing cross-border payments, trade finance, multi-currency accounts, and FX…
Financial Health
StableStable · Hiring · 19% CAGR over 4y
Location
Soni Transfer Limited
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsProvides online international money transfer services enabling customers to send funds to recipients in The Gambia. Transfers can be paid out via bank deposit or cash pickup, and the platform also…
Serves adults in the Gambian diaspora in the UK, EU and USA who send money, mobile airtime or electricity top-ups to beneficiaries in The Gambia for family, charity, business or investment purposes.
Financial Health
StrongStrong
Location
EXASOFT GROUP LIMITED
Trajectory
3y · 2022–NowFinancial sub-scores
Computed from 3 filingsDevelops web and mobile software including digital applications, fundraising and call management platforms for schools and universities, credit union information platforms, and financial remediation…
Serves schools and universities running fundraising campaigns, credit unions and consumers seeking credit union services, plus financial services organisations handling remediation and organisations…
Financial Health
WeakWeak · 0% CAGR over 2y
Location
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsDevelops contactless payment devices and software for charitable fundraising. Supplies donation terminals, stands and accessories for venues and events, and provides an online platform for managing…
Sells to charities, fundraising teams, corporate CSR and charity partnership teams, museums and galleries, religious organisations, and BIDs and councils seeking contactless donation tools for…
Financial Health
StableStable
Location
MOBILE PAY SYSTEMS LIMITED
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsDevelops mobile point-of-sale and customer engagement systems for retail and hospitality businesses. Provides apps supporting pre-ordering, click-and-collect, payments, loyalty rewards, ticketing,…
Sells to businesses in hospitality and retail, especially bars, restaurants, cafes, takeaways and event venues seeking mobile payment, pre-order, click-and-collect and customer loyalty tools.
Financial Health
StrongStrong · Hiring · 32% CAGR over 4y
Location
NEVILLE REGISTRARS LIMITED
Trajectory
5y · 2020–NowFinancial sub-scores
Computed from 5 filingsProvides share registration and transfer agent services for companies, including maintenance and analysis of shareholder registers, shareholder communications, administration of corporate actions,…
Serves UK companies with shareholder or bondholder registers, including listed PLCs and businesses undertaking corporate actions, IPOs or mini bond issues.
Financial Health
HealthyHealthy · -63% CAGR over 4y
Location
XLM Holdings Limited
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsDevelops and maintains an open-source blockchain network that supports cross-border payments, asset tokenization, and decentralized finance applications. Provides infrastructure, smart contract…
Serves blockchain developers, financial institutions, fintechs and wallet providers building global payments, asset tokenization and DeFi products, including enterprises and innovators needing…
Financial Health
StrongStrong · 2% CAGR over 2y
Location
WOODBOURNE BOLBECK LIMITED
Trajectory
5y · 2020–NowFinancial sub-scores
Computed from 5 filingsOperates an online consumer lending platform offering small personal loans to employed borrowers. Uses open banking data to assess affordability and process applications, providing short‑term loans…
Serves employed UK consumers seeking small personal loans, including public and private sector workers such as NHS staff, nurses and teachers, and applicants with low credit scores.
Financial Health
StableStable · 0% CAGR over 4y
Location
Manufactures and supplies money handling machines, cash management systems, vending machines and automated service equipment. Provides installation, software and maintenance services supporting cash…
Serves B2B customers in retail, hospitality, financial services, gaming and cash-in-transit sectors, including stores, restaurants, hotels, banks, building societies, post offices, casinos, betting…
Location
Halo Investments Group Ltd
Trajectory
4y · 2022–NowFinancial sub-scores
Computed from 4 filingsProvides an online investment platform that enables financial advisors to source, structure and manage protective investment products, including structured notes, buffered ETFs and annuities,…
Serves financial advisors, wealth managers and financial institutions worldwide, including banks, asset managers, insurers and capital markets teams serving investors’ wealth and retirement…
Financial Health
StrongStrong · Growing · 0% CAGR over 3y
Location
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How Birmingham fintech companies work and how to sell to them
What they do
Birmingham fintech suppliers usually earn through subscription software, transaction fees, usage-based charges, licences and implementation services. Pricing tends to follow the buyer’s risk and volume profile: per-merchant, per-account, per-transaction, per-seat or module-based billing are all plausible. Many products look like workflow layers around payments, lending, compliance checks, data access or finance operations, rather than standalone consumer apps. Services revenue can matter early on, especially where buyers need integration with bank systems, finance platforms, customer onboarding processes or regulated reporting before the recurring element becomes routine.
Who they sell to
Most sell to financial institutions, lenders, payment businesses, larger merchants, accountancy-led finance teams and regulated operators that need auditable controls. Buying committees often include a finance owner, CTO or engineering lead, Head of Payments, compliance officer, risk lead and procurement contact. Smaller customers may buy through founder-led or finance-led direct sales, while banks and enterprise merchants tend to use security questionnaires, legal review and RFP-style procurement. Contract values vary by use case, but typical deals are treated as operational infrastructure rather than discretionary marketing spend.
What they buy
Fintech firms tend to spend on cloud infrastructure, payment connectivity, identity verification, fraud monitoring, data warehousing, analytics, CRM, billing, customer support, observability and security tooling. Regulated teams also buy legal advice, compliance monitoring, audit support, penetration testing, financial reporting, insurance, recruitment and outsourced finance operations. Engineering-led suppliers often need API management, test environments and incident response support; commercially led teams usually need demand generation, sales operations and partner-management capacity. For Birmingham firms with smaller teams, outsourced specialist services may be easier to buy than permanent hires until revenue becomes more predictable.
Why and how to sell to them
Fintech buyers tend to evaluate vendors when regulation, scale or integration pressure starts to outgrow informal processes. Useful triggers include FCA authorisation work, a move from pilot to live payments, merchant or bank onboarding, a new compliance hire, fresh funding, a senior finance or technology appointment, or rising support volume. Pitches land better when they reduce operational risk, shorten evidence-gathering for regulated buyers, improve audit trails or remove manual work from finance and compliance teams. Claims need proof, because these firms sell trust into their own customers.
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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Frequently asked questions
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