27 Game-Changing Fintech Companies in London

Exploring London’s vibrant and thriving fintech sector?

You’re in the right place. 

London is where cutting-edge technology intersects with the age-old financial industry, creating a hotbed of innovation and opportunity in financial technology. And with thousands of companies vying for the top spot in the UK fintech space, the competition has never been tougher. 

Get onboard the city’s fintech boom with this list of the most dynamic and innovative fintech companies in the world as we take you on a tour de force of the top 27 fintech companies in London. 

In this article, you’ll discover what each fintech company does, where they’re located, and how they’re funded. 

Further Reading:

Dig further into the world of startups and finance with our guides on venture capital firms in top cities across Europe:

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Fintech in London: A Hub for Innovative Finance

London is home to over 1,600 fintech firms, a number that’s expected to double by 2030. The city’s unique blend of financial heritage, regulatory support, and tech talent has made it a magnet for fintech funding. 

This ecosystem ranges from banking disruptors like Monzo and Revolut to groundbreaking payment platforms such as Wise and GoCardless — each contributing to the city’s reputation as a cradle of financial innovation.

But beyond established names, you’ll also come across tons of fintech startups that promise to disrupt sectors such as banking and insurance by leveraging path-breaking artificial intelligence tech. 

Together, the London fintech industry is reshaping not just the UK fintech space but also the global financial landscape by fostering a competitive yet collaborative environment and driving economic growth. 

Ready to explore who keeps London at the cutting edge of financial services?

Take a look at the best 27 fintech companies in the city. 

Top 27 Fintech Companies in London

Here’s a glimpse at the innovative players that cement London’s status as a global fintech hub, setting a benchmark for fintech ecosystems around the world.

I. The Titans of London’s Fintech

Let’s start by glancing at the titans of the UK fintech sector who’ve pioneered innovation for others. 

1. Monzo: Revolutionizing personal banking

Founded in 2015, Monzo was the very first ‘challenger bank’ in the UK that offered an alternative to established and traditional banks. This fintech company offers a completely online setup (mobile app) to manage your money and use a ‘prepaid debit card.’

  • Co-founders: Gary Dolman, Jason Bates, Jonas Huckestein, Paul Rippon, Tom Blomfield 
  • Funding: $1.7 billion 
  • Last funding round: Series H
  • Address: Broadwalk House, 5 Appold St, London EC2A 2AG

2. Revolut: Global financial super app

This renegade online bank offers the complete gamut of banking services — from online credit cards and currency exchanges to stock and commodities trading. Operating in 30 countries and allowing transactions in nearly 90 now, Revolut is bridging payment barriers for travelers. 

  • Co-founders: Nikolay Storonsky, Vlad Yatsenko
  • Funding: $1.7 billion
  • Last funding round: Series E
  • Address: 7 Westferry Circus, Canary Wharf, London, England, E14 4HD 

3. Starling Bank: Digital banking for individuals and businesses

What started as an alternative to high-street commercial banks for small businesses now offers a full range of personal banking services. While Starling Bank has no physical branches, they’ve collaborated with the postal services to offer banking services for customers who wish to transact in cash. 

  • Founder: Anne Boden 
  • Funding: $1.1 billion
  • Last funding round: Series D
  • Address: 5th Floor, Fruit & Wool Exchange, Duval Square, London E1 6PW, United Kingdom

4. Adyen: Seamless payment experiences worldwide

Adyen is a Dutch fintech company that allows online merchants to accept payments. Founded in Amsterdam in 2006, Adyen quickly expanded to bigger international markets in cities such as London, San Francisco, Singapore, Hong Kong, etc., and is listed on Euronext Amsterdam.

  • Co-founders: Arnout Schuijff, Pieter van der Does
  • Funding: $266 million
  • Last funding round: Series B
  • Address: 12-13 Wells Mews, London W1T 3HE, UK

5. Funding Circle: Pioneering peer-to-peer business loans

Founded in the wake of the 2007-09 financial crisis as a peer-to-peer lending service, Funding Circle has emerged as a definitive market leader in business lending. Their entire vetting process rests on ease of use and transparency, with an assurance of arriving at a decision in up to an hour. 

Once it consolidated its position in the UK fintech world, Funding Circle went public in 2019 and is listed on the London Stock Exchange.

  • Co-founders: Samir Desai, James Meekings, Andrew Mullinger
  • Funding: $746.4 million
  • Last funding round: Series F
  • Address: 71 Queen Victoria St, London EC4V 4AY, United Kingdom

6. GoCardless: Simplifying recurring payments

This student venture from 2011 was originally meant to enable online payments and subscriptions for businesses. When venture capital investors like Y Combinator and Google Ventures recognized GoCardless’ potential, it acquired funding and quickly expanded its services beyond the UK to France, Germany, and Spain. It eventually reached the United States and Australia, too. 

  • Co-founders: Hiroki Takeuchi, Tom Blomfield, Matt Robinson
  • Funding: $529.3 million
  • Last funding round: Series G
  • Address: Sutton Yard, 65 Goswell Road, London, EC1V 7EN, United Kingdom

II: Trailblazers in Payments and Money Management

Each of these companies started with the intent to flip the script on fintech development. And going by their immense popularity and appeal, they’ve succeeded in their respective missions! 

Let’s explore how these fintech solutions are disrupting their spaces.

7. Wise (formerly TransferWise): Transparent international money transfers

This UK-based fintech company aims to truly internationalize easy transactions. Wise is built to enable easy and transparent payments across borders. In 2021, the company went public on the London Stock Exchange. As of 2024, Wise operates across 160 countries and 40 currencies. 

  • Co-founders: Taavet Hinrikus, Kristo Käärmann
  • Funding: $1.7 billion
  • Last funding round: Series E
  • Address: The Tea Bldg, Shoreditch High St, London E1 6JJ, UK

8. Zopa: Consumer lending and savings

Zopa was founded in 2005 as a peer-to-peer lending business but has since pivoted to offer all banking services. Today, the site and app are the destinations for many users to seek easy and affordable loans with exemplary service. 

  • Co-founders: Richard Duvall, James Alexander, Giles Andrews, David Nicholson, Tim Parlett
  • Funding: $979.7 million
  • Last funding round: Series H
  • Address: 47-49 Cottons Centre, Tooley St, London SE1 2QG

9. SumUp: Empowering small businesses with mobile payments

The mobile payment company SumUp offers a sleek card reader and intuitive mobile app as part of its solutions for vendors to accept payments easily. Their market primarily includes F&B services and retail outlets, a network spread across 4 million businesses in 2024.  

  • Co-founders: Stefan Jeschonnek, Marc-Alexander Christ
  • Funding: $2.4 billion
  • Last funding round: Series D
  • Address: 16-20 Shorts Gardens, London WC2H 9US, UK 

10. Cleo: AI-driven financial assistant for budgeting

Cleo, an engaging AI-driven financial assistant, provides users with smart budgeting tools and financial insights directly through a conversational app interface. It’s designed to demystify financial management, offering support from saving tips to spending breakdowns and even playful nudges to keep users on track.

  • Founder: Barney Hussey-Yeo
  • Funding: $138.8 million
  • Last funding round: Series C
  • Address: 2.10, Tea Building, 56 Shoreditch High St, London E1 6JJ 

11. Curve: Combining multiple cards into one

Curve lets you consolidate multiple bank cards into a single smart card and app. This UK fintech company also allows users to switch between accounts on the go, making payments more flexible and secure. Curve is changing the rules of card payment and is soon looking to expand to other financial services, too.

  • Founder: Shachar Bialick
  • Funding: $1.3 billion
  • Last funding round: Series C
  • Address: 15-19 Bloomsbury Way Holborn London, WC1A 2TH 

III: Innovators in Financial Services

These fintech startups have an unconventional take on norms established by financial institutions. Explore how these tech companies are slowly changing the narrative in their fields with fintech innovation. 

12. Lendable: Fast and fair personal loans

This fintech startup offers fast, fair, and flexible personal loans through a streamlined online platform, making finance more accessible and straightforward for borrowers across the UK. With a focus on efficiency, Lendable is quickly becoming a preferred choice for those seeking quick lending solutions. 

  • Co-founders: Paul Pamment, Martin Kissinger, Jakob Schwarz, Victoria van Lennep
  • Funding: $1.6 billion 
  • Last funding round: Series A
  • Address: Telephone House, 69-77 Paul St, London EC2A 4NW  

13. Nutmeg: Making investment accessible

Nutmeg simplifies investing with its easy-to-use online platform, offering transparent, tailored portfolios to suit various investor profiles. As a pioneer in digital wealth management in the UK, Nutmeg is dedicated to making smart investing accessible to everyone.

  • Founder: Nick Hungerford  
  • Funding: $153.6 million
  • Last funding round: Series E
  • Address: Unit 201 — 2nd Floor Vox Studios, 1–45 Durham Street, London, SE11 5JH

14. PensionBee: Simplifying pension consolidation and management

PensionBee streamlines pension management by consolidating old pensions into a single online plan, making retirement savings easy and understandable for its users. With a focus on user-friendly technology and transparent fees, PensionBee is transforming how UK savers plan for their future.

  • Founder: Romina Savova
  • Funding: Unknown
  • Last funding round: Seed round
  • Address: 209 Blackfriars Road, London, SE1 8NL.

15. Moneybox: Saving and investing for the future

Moneybox, launched in 2016, revolutionizes personal savings and investments by rounding up user transactions, offering a straightforward way to start investing. Its success stems from targeting millennials with a tech-savvy approach to financial management, leveraging user-friendly technology to fill a gap in accessible investing. 

  • Co-founders: Ben Stanway, Charlie Mortimer
  • Funding: $123.4 million
  • Last funding round: Series D
  • Address: 1-2 Hatfields, London SE1 9PG

16. Soldo: Smart company cards and expense management

Soldo streamlines business finances with a comprehensive expense management platform, automating spending controls and reporting across teams. Tailoring solutions for businesses seeking to enhance financial oversight, Soldo has carved out a significant niche, driving its expansion across Europe with a keen focus on innovation and user needs.

  • Co-founders: Carlo Gualandri
  • Funding: $263.2 million
  • Last funding round: Series C
  • Address: North West House, 119 Marylebone Rd, Soldo NW1 5PU

IV: Emerging Stars in Fintech

Take a look at some fintech startups poised to make a splash in the world of technology and finance. 

17. Plend: Focused on ethical lending

Plend offers personal loans with a unique twist, focusing on affordability and financial inclusion by looking beyond traditional credit scores. This approach opens up financing to underserved markets, positioning Plend as a pioneer in fair lending practices with a clear path toward growth and wider impact in the financial sector.

  • Co-founders: Robert Pasco, James Pursaill
  • Funding: £40.8 million
  • Last funding round: Seed round
  • Address: Level 4, Aldgate Tower, 2 Leman St, London E1 8FA

18. Upside Saving: Automated cashback into savings

Upside Saving transforms everyday purchases into savings opportunities, seamlessly connecting spending with financial growth. Catering to those looking for simple savings solutions, Upside is gaining traction for its innovative approach, with plans to broaden its user base and redefine personal saving strategies in the coming years.

  • Co-founders: Paul Russell, Andries Smit, Steve Fourie
  • Funding: $2 million
  • Last funding round: Seed round
  • Address: 71-75 Shelton Street, London, United Kingdom, WC2H 9JQ 

19. Tulipshare: Sustainable investing platform

Tulipshare, founded in 2021, innovates shareholder advocacy by enabling individuals to invest in and influence the companies they care about for ethical improvements. With a focus on harnessing the power of collective investment for social change, Tulipshare is quickly attracting attention and users, aiming to expand its platform’s reach and impact on corporate responsibility.

  • Founder: Antoine Argouges
  • Funding: $11.8 million
  • Last funding round: Seed round
  • Address: 64 Nile Street, International House, London N1 7SR

20. Thought Machine: Cloud-powered banking

Thought Machine revolutionizes banking by offering Vault, a cloud-native platform that simplifies the creation of a customizable, resilient financial product. Since its inception in 2014, its adoption by leading global banks underscores the role of tech startups in driving the digital evolution of traditional banking.

  • Founder: Paul Taylor
  • Funding: $562.8 million
  • Last funding round: Series D
  • Address: 7 Herbrand St, London WC1N 1EX 

V: Disruptors in Insurance and Risk Management

Explore the companies redefining safety and security as we delve into the disruptors transforming the insurance and risk management landscape.

21. Zego: Flexible insurance for the gig economy

Zego offers innovative insurance solutions tailored for the gig economy, providing flexible and on-demand coverage for businesses and independent workers. They have been pivotal in addressing the unique insurance needs of the modern workforce, showcasing a significant shift in how insurance products are designed and consumed.

  • Co-founders: Harry Franks, Sten Saar
  • Funding: $281.7 million
  • Last funding round: Series C
  • Address: 7th Floor, Exchange House, 12 Primrose St, London EC2A 2BQ, United Kingdom

22. Marshmallow: Digital-first car insurance

Carving out a new space in the insurance market, Marshmallow offers digital-first car insurance that prioritizes affordability and inclusivity. It challenges traditional insurers with a tech-driven approach while catering to expats and individuals struggling to find fair insurance rates. Their rapid growth highlights their success in meeting the underserved needs of a diverse clientele and signals their ambitious expansion plans in the insurance industry.

  • Co-founders: Alexander Kent-Braham, Oliver Kent-Braham, David Goate
  • Funding: $134.8 million
  • Last funding round: Series B
  • Address: The Featherstone Building, 66 City Road, 1st Floor, London, England EC1Y 

23. ManyPets: Redefining pet insurance

ManyPets is reshaping pet insurance with a focus on comprehensive coverage and preventive care, making it easier for pet owners to afford quality healthcare for their furry friends. Starting with the insight that traditional pet insurance often falls short, ManyPets introduced policies that cover both new and pre-existing conditions, a move that has seen them rapidly expand their customer base. 

  • Founder: Steven Mendel, Guy Farley
  • Funding: $483 million
  • Last funding round: Series D
  • Address: Unit 1b, 1-10 Summers St, London EC1R 5BD, United Kingdom

VI: Pioneers in Blockchain and Crypto

Meet the innovators who are forging new paths in the blockchain and cryptocurrency realms.

24. Blockchain.com: The backbone for crypto transactions

Blockchain.com offers a comprehensive platform for buying, selling, and managing cryptocurrencies. Since its inception, it has played a crucial role in the cryptocurrency revolution, providing secure and user-friendly tools for individuals and businesses alike. With over $1 trillion transacted and users in over 200 countries, Blockchain.com’s significant impact on global finance underscores its mission to empower millions around the world with financial freedom and control.

  • Co-founders: Nicolas Cary, Benjamin Reeves
  • Funding: $600 million
  • Last funding round: Series E
  • Address: 86-90 Paul Street, London, London EC2A 4NE

25. Elliptic: Detecting and preventing criminal activity in crypto

Elliptic makes crypto assets safer and more transparent with blockchain analytics for financial institutions and cryptocurrency businesses. Since launching, Elliptic has become instrumental in the fight against crypto-related financial crime, securing the ecosystem for users worldwide. With its cutting-edge technology and expansive database, it provides the insights needed to navigate the complex landscape of cryptocurrency with confidence and compliance.

  • Co-founders: James Smith, Tom Robinson, Adam Joyce
  • Funding: $100 million
  • Last funding round: Series C
  • Address: 35, 37 Ludgate Hill, London EC4M 7JN, UK

VII: Fintech Infrastructure and API Innovators

Discover the architects of fintech’s future who’re laying the groundwork for seamless financial experiences for all.

26. TrueLayer: Powering financial innovation with APIs

TrueLayer enables companies to access bank data and initiate payments directly, powered by secure and reliable APIs. By bridging the gap between traditional banking systems and modern applications, TrueLayer has become a catalyst for innovation in fintech, supporting businesses worldwide to create smoother, faster, and more secure financial transactions. 

  • Co-founders: Luca Martinetti, Francesco Simoneschi
  • Funding: $271.5 million
  • Last funding round: Series E
  • Address: 40 Finsbury Square, London EC2A 1PX, United Kingdom

27. Form3: Cloud-native payment technology

Form3 offers cloud-native payment technology, giving banks and fintechs a scalable, secure, and efficient platform for instant payment processing. By simplifying the complex world of interbank transactions, Form3 has quickly established itself as a key player in the digital transformation of financial services, providing the backbone for the seamless execution of payments across the globe.

  • Founder: Michael Mueller
  • Funding: $240.1 million
  • Last funding round: Series C

Address: 7 Harp Ln, London EC3R 6DP, United Kingdom

About the author

Peter Banerjea is Co-Founder of Startup Voyager, a content and SEO agency with offices in UK, Canada and India. Startup Voyager helps startups rapidly scale up their organic traffic by 4x-20x a year. His work has appeared in Entrepreneur, Huffington Post, Fast Company, Inc and Lifehacker.