Fintech · United Kingdom
Fintech startups in United Kingdom
Early-stage fintech companies headquartered in United Kingdom, founded in the last 5 years. Drawn from public sources.
How we choose these companies
A public directory of early-stage European fintech startups. We aim to list every company that fits, not a hand-picked few. Here is exactly what that means, and why:
- European: headquartered in Europe (EU, EEA, UK, Switzerland and nearby). We go by where a company is based, not just where it sells, because this is a map of the European ecosystem.
- Early-stage: founded in the last 5 years. That is where the new ideas and the most active part of the ecosystem are; established household-name scaleups are a different list.
- A real product company: builds a scalable technology product or platform. We leave out agencies, consultancies and local service businesses, which do not follow the same path.
- Independent: a standalone company, not a subsidiary or brand of a larger corporation.
- Active: currently operating, with a live website. We re-check regularly and remove companies that shut down, get acquired, or move out of scope.
We list only public information about what each company does. We deliberately do not track or show fundraising: who is raising, who is investing, or how much. This is a directory of companies, not a deal database.
Missing a company, or see something off? Suggest an addition or report an issue.
32 early-stage fintech startups in United Kingdom
A comprehensive list from public sources, not a hand-picked few.
Apron
London, United KingdomHelps small businesses and their accountants seamlessly manage, approve, and pay supplier invoices.
Boodil
Manchester, United KingdomAn open banking-powered checkout and consumer engagement platform offering rewards for purchases.
Ctrl Alt
London, United KingdomAn alternative asset tokenisation platform making investing in real-world assets accessible.
Cur8
London, United KingdomMarket maker platform that sources, vets, and aggregates high-quality carbon removal portfolios.
Due
London, United KingdomBorderless payments platform built on regulated stablecoins and local rails for multi-currency accounts, transfers and collections across many countries.
Eilla AI
London, United KingdomGenerative AI assistant for finance professionals to streamline M&A, venture capital, and market research.
Formance
London, United KingdomAn open-source foundation of ledger and payment flow development tools for tracking flow of funds.
Hydr
Manchester, United KingdomAn invoice finance platform that pays small businesses 100% of their unpaid invoices within 24 hours.
Kennek
London, United KingdomA vertically integrated operational platform and SaaS solution for alternative lenders.
Kettel Homes
London, United KingdomRent-to-own platform helping first-time buyers secure their future homes.
Kolleno
London, United KingdomAn automated accounts receivable and credit control platform for B2B businesses.
Koody
London, United KingdomA personal finance platform helping young adults learn how to budget, save, and invest.
Lightyear
London, United KingdomRetail investing app offering access to thousands of global stocks, ETFs and money market funds through a low-cost mobile and web platform.
Lopay
London, United KingdomMobile payments app and point-of-sale system that lets small businesses accept card and tap-to-pay payments with instant settlement.
Loxa
London, United KingdomEmbedded product-protection platform that integrates with ecommerce systems so retailers can offer warranty and protection plans at checkout.
Lune
London, United KingdomAPI for integrating emission calculations and high-quality carbon offsetting into digital products.
Mimo
London, United KingdomFinancial management platform that automates accounts payable and receivable, payments and bookkeeping with an embedded credit line for small businesses.
Mimo
London, United KingdomA financial management and global payment platform designed for SMBs.
Monite
London, United KingdomAPI-first embedded finance platform enabling B2B platforms to offer invoicing, accounts payable, and expense management.
Ooodles
London, United KingdomProvides flexible IT procurement and hardware-leasing platforms for growing businesses.
Ophelos
London, United KingdomAn AI-driven debt collection and resolution platform focused on compliance and ethical customer care.
Pactio
London, United KingdomDigital infrastructure and transaction management workflow software for private markets.
Ravio
London, United KingdomReal-time compensation benchmarking and talent retention tool for tech companies.
Remofirst
London, United KingdomEmployer of Record platform helping companies hire and pay remote employees globally.
Ryft
London, United KingdomAn automated payment platform facilitating next-day payouts for e-commerce marketplaces.
Sequence
London, United KingdomRevenue automation platform with APIs for usage-based pricing, billing, invoicing and receivables for B2B companies.
Sibstar
Winchester, United KingdomA secure debit card and app designed to help families manage daily spending safely for relatives living with dementia.
Sikoia
London, United KingdomA unified customer onboarding and risk assessment platform for financial institutions.
Teamed
Guildford, United KingdomA global employment platform that enables companies to hire, onboard, and pay international employees seamlessly.
Woli
London, United KingdomA financial literacy app and prepaid card designed to teach kids and teens smart money management.
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