Updated: 3 September 2026

Top 100 UK Fintech Startups | 2026

Discover the top 100 UK fintech startups in 2026, ranked by total equity raised. Explore Seed-stage companies, locations, employee counts and funding.

Words Lily Ruaah

The UK has long been one of Europe’s leading fintech hubs, producing some of the best-known names in digital banking, payments and financial infrastructure. But behind the sector’s established players, a new generation of fintech startups is continuing to emerge.

In this ranking, we’ve used the Beauhurst platform to identify 100 UK-headquartered fintech startups at the Seed stage of evolution, then ranked them by the total equity funding they have raised.

That distinction matters. This is not a list of the UK’s biggest fintech companies. It is a snapshot of the early-stage businesses currently attracting the most equity investment, from payments and lending to financial infrastructure, wealth technology and emerging applications of AI.

UK fintech startups: sector overview

Fintech – short for financial technology – describes technology used to deliver, improve or reshape financial services. The sector spans areas including banking, payments, lending, insurance, wealth management, compliance and the infrastructure that sits behind financial products.

For startups, fintech often means using software, data and automation to solve problems that have traditionally been expensive, slow or difficult to address. That can mean making payments easier, improving access to credit, automating financial operations or building the technology used by banks and other financial institutions.

On the Beauhurst platform, companies are classified according to what they actually do, helping us identify fintech businesses beyond the limitations of traditional SIC codes.

Methodology

To be included in this list of fintech companies, companies must be:

Headquartered in the UK
Operating in the ‘Fintech’ Beauhurst industry classification
The company must be at the “Seed” stage of evolution on the Beauhurst platform.
Listed as ‘Active’ on Companies House

We’ve then ranked these companies by total equity raised.

And if you’re a Beauhurst subscriber, you can try this search for yourself.

All data for the analysis was taken from the Beauhurst platform, and is accurate as of 26 August 2026.

All data for the ranking list was taken from the Beauhurst platform, and is automatically updated weekly.

Top 100 fintech startups in the UK

Last Updated: 10 September 2026

	Company	Region	Stage	Employees	Total Raised
1	Velocity	North West	Seed	25-49	£35,800,000£35.8m
2	Nevis	London	Seed	5-9	£30,314,247£30.3m
3	Januus.io	London	Seed	5-9	£27,949,436£27.9m
4	Adfin	London	Seed	25-49	£24,222,973£24.2m
5	TreeCard	South West	Seed	10-24	£23,665,662£23.7m
6	BLEND Network	London	Seed	10-24	£20,000,000£20m
7	TuningBill	London	Seed	<5	£19,094,618£19.1m
8	nsave	London	Seed	25-49	£16,548,453£16.5m
9	Nous	London	Seed	50-99	£15,368,718£15.4m
10	capsa.ai	London	Seed	10-24	£15,220,000£15.2m
11	Capi Money	London	Seed	50-99	£15,000,000£15m
12	Outpost	London	Seed	10-24	£13,000,000£13m
13	Ooodles	London	Seed	25-49	£11,823,263£11.8m
14	Lopay	London	Seed	25-49	£11,343,153£11.3m
15	DoorFeed	London	Seed	25-49	£10,478,573£10.5m
16	Clove Group	North West	Seed	10-24	£10,000,000£10m
17	multifi	South West	Seed	10-24	£9,999,999£10m
18	illio	London	Seed	10-24	£9,058,651£9.1m
19	Infact	London	Seed	10-24	£8,500,000£8.5m
20	Penny	South West	Seed	10-24	£8,199,978£8.2m
21	Agio Ratings	London	Seed	5-9	£8,145,730£8.1m
22	Vennre	London	Seed	10-24	£8,122,702£8.1m
23	Tokenovate	East of England	Seed	10-24	£7,999,993£8m
24	Alvara Protocol	London	Seed	—	£7,703,626£7.7m
25	Translucent	London	Seed	25-49	£7,700,000£7.7m
26	Simpler.	London	Seed	10-24	£7,565,414£7.6m
27	Boson Protocol	London	Seed	10-24	£7,551,844£7.6m
28	Merge	London	Seed	10-24	£7,512,375£7.5m
29	Abbeycross	London	Seed	10-24	£7,238,602£7.2m
30	QFEX	London	Seed	5-9	£7,000,000£7m
31	ABEX	London	Seed	10-24	£6,938,971£6.9m
32	Palm	London	Seed	10-24	£6,692,702£6.7m
33	PawaPay	South East	Seed	100-249	£6,577,677£6.6m
34	Five	London	Seed	10-24	£6,410,902£6.4m
35	Fortify Solutions	East of England	Seed	10-24	£6,372,892£6.4m
36	Fae	London	Seed	5-9	£6,114,999£6.1m
37	FarmLend	London	Seed	10-24	£6,095,884£6.1m
38	Cloud Capital	London	Seed	10-24	£5,804,727£5.8m
39	Seva Money	London	Seed	5-9	£5,642,930£5.6m
40	Tuza	London	Seed	10-24	£5,500,000£5.5m
41	Mercuryo	London	Seed	250-499	£5,389,247£5.4m
42	Extended	London	Seed	10-24	£5,204,613£5.2m
43	Montis Group	London	Seed	10-24	£5,172,607£5.2m
44	SSV SmartPay	London	Seed	<5	£5,057,725£5.1m
45	keyzy	London	Seed	10-24	£5,000,016£5m
46	Bourn	London	Seed	10-24	£5,000,000£5m
47	Rho Labs	London	Seed	5-9	£4,937,518£4.9m
48	Damisa Technologies	London	Seed	25-49	£4,749,095£4.7m
49	Keyring Network	North West	Seed	10-24	£4,714,434£4.7m
50	Diesta	London	Seed	10-24	£4,616,876£4.6m

50 more companies — complete the form below to see the full list.

Unlock the full list of top 100 fintech companies

The state of UK fintech startups

The UK remains one of Europe’s most developed fintech ecosystems. More than 4,400 fintech companies are currently active, an increase of 181% over the ten years from 2015 to 2025. Collectively, UK fintech companies have raised £37.4b in equity funding, including £24.5b since 2020.

Investment has cooled from the exceptional levels seen in 2021, when UK fintech companies raised £7.79b. Even so, the sector attracted £3.24b in equity funding during 2025, showing that investor appetite remains substantial.

These figures describe the wider UK fintech sector across all stages of growth. The ranking below takes a narrower view, focusing only on companies at the Seed stage of evolution on the Beauhurst platform. This makes it easier to see which early-stage fintech startups are currently leading the pack by total equity raised.

The future of fintech companies in the UK

The next wave of UK fintech is likely to look different from the challenger-bank boom that defined much of the 2010s. AI, automation, embedded finance and blockchain are creating new opportunities across everything from payments and treasury to compliance, investment and financial infrastructure.

At the same time, the market has become more selective. New fintech company incorporations fell from 397 in 2019 to 77 in 2025, while funding remains well below its 2021 peak. For early-stage companies, that puts more emphasis on strong products, clear use cases and the ability to demonstrate sustainable growth.

That makes Seed-stage activity particularly useful to watch. The companies attracting capital today can provide an early indication of where investors see the next opportunities in financial technology.

FAQ

What are the top fintech startups in the UK?

How are the UK fintech startups ranked?

What criteria must a company meet to be included?

Does this ranking include scaleups and established fintech companies?

How often is the fintech startup ranking updated?

Where does the data come from?

Working with Beauhurst

Rankings like this provide a snapshot of the market. Beauhurst lets you go much further.

With the Beauhurst platform, you can search the UK’s private-company landscape using criteria including stage of evolution, industry, location, employee count and funding history. You can build targeted company lists, track businesses as they grow and identify the signals that matter to your team.

Whether you’re sourcing investments, originating deals, finding new prospects or researching a market, Beauhurst gives you the company data you need to move from a broad sector view to the businesses most relevant to you.

Explore the Beauhurst platform to find and track the UK’s most ambitious fintech startups.

Lily Ruaah

Content Associate

With a dynamic career spanning over a decade, Lily is the Co-Founder of BlackCat Content and a professional writer. At Beauhurst, she drives the creative and analytical writing initiatives, producing compelling content that captivates and informs. Before Beauhurst, she worked as an SEO Content Writer, where she honed her skills in optimising content for search engines. Adding to her repertoire, Lily holds an MA and BA in Creative Writing, blending her passion for creativity with a keen analytical mind.