Fintech startups in London

Kristo Käärmann & Taavet Hinrikus

Founded 2011 (as TransferWise), the cross-border payments and multi-currency account leader. Direct-listed on the LSE in 2021; moved its primary listing toward the US in 2025 while remaining London-HQ'd. Mov...

Steven Hunter & Huss El-Sheikh

Founded 2016, an AI-powered analytics platform for debt capital markets (bonds, leveraged loans, distressed debt, CLOs). Became a unicorn in 2026 with a $170M Series C led by Redalpine and Seedcamp at a $1.3...

Richard Davies (CEO)

Founded 2019, a digital bank for established SMEs (lending, business accounts, savings). Raised a ~$155M Series D led by TCV and Ventura Capital in early 2026 at a $1.2B valuation — a newly minted unicorn. A...

Guillaume Pousaz

Founded 2012, enterprise payments processing for global merchants (bootstrapped until a record $230M Series A in 2019). Processed $300B+ in total volume in 2025 (+64% YoY); ran a Sept 2025 employee buyback a...

Hiroki Takeuchi, Matt Robinson & Tom Blomfield

Founded 2011, global leader in bank-to-bank (direct debit / account-to-account) payments and open-banking-based collections. Grew FY2024 revenue 41% to £132M and targeted full-year profitability by 2026. In ...

Tom Blomfield & co-founders

Founded 2015, one of the UK's leading digital challenger banks with 12M+ personal customers. Valued at $5.9B in an Oct 2024 secondary sale (GIC, StepStone). Reached full-year profitability and crossed 12M cu...

Rishi Khosla & Joel Perlman

Founded 2015, an SME-focused digital bank using data analytics for fast, flexible business lending (£1M–£100M turnover clients). INDIAN-ORIGIN FOUNDER: Rishi Khosla, who previously built and sold Copal Amba ...

Nik Storonsky & Vlad Yatsenko

Founded 2015, Europe's most valuable fintech and a global super-app spanning banking, FX, cards, trading and crypto. A November 2025 secondary share sale set a ~$75B valuation (up from $45B in Aug 2024). FY2...

Anne Boden

Founded 2014, a fully licensed digital bank profitable for four consecutive years with ~£870M revenue and 3.6M+ accounts. Monetises its cloud core-banking stack via the Engine SaaS platform sold to banks wor...

Daniel Klein, Marc-Alexander Christ & Stefan Jeschonnek

Founded 2012, card readers and merchant tools for millions of small businesses across 30+ countries. Raised €1.5B led by Goldman Sachs in May 2024 at an ~$8.5B valuation; weighing a listing that could value ...

Paul Taylor

Founded 2014 by an ex-Google engineer, cloud-native core-banking (Vault Core) and payments (Vault Payments) software licensed to banks worldwide. A unicorn backed by Nium/Temasek/JPMorgan-type investors; par...

George Bevis (Oliver Prill, CEO)

Founded 2015, a business financial platform (accounts, invoicing, credit, admin) for SMEs. Became a UK fintech unicorn in Sept 2025 at a $1.5B valuation in a round led by TPG. Large member bases in the UK an...

Francesco Simoneschi & Luca Martinetti

Founded 2016, Europe's leading open-banking payments/data infrastructure enabling instant pay-by-bank and account verification. A unicorn (backed by Stripe, Tiger, Temasek) powering variable recurring paymen...

Philip Belamant & Sean O'Connor

Founded 2018, an ad-subsidised buy-now-pay-later and payments network (a unicorn since 2021). Raised $176.7M in a mixed debt/equity round led by KKCG in Nov 2025 to fund expansion and possible acquisitions. ...

BNPL / payments)

London 'buy now, pay later' and ad-subsidised payments company headquartered in the City, valued at $2bn+ after a $110m Series C and $125m debt facility (Deutsche Bank) in 2024, with stated IPO ambitions. Po...

Giles Andrews & co-founders

Founded 2005 as a P2P pioneer, now a licensed digital bank offering personal loans, credit cards, savings and car finance. Raised ~€80M ($84.6M) equity led by A.P. Moller Holding to fund a flagship current a...

Jesse Hemson-Struthers & Chris Harmse

Founded 2021, stablecoin payments infrastructure bridging fiat and on-chain rails across 130+ countries. Mastercard agreed to acquire BVNK for up to $1.8B in March 2026 — the largest stablecoin deal to date,...

David Luck & George Karibian

Founded 2012, business credit cards and working-capital funding for small businesses across the UK and US. Has funded billions in lending to 200,000+ SMEs, backed by large securitisation/debt facilities. Pro...

Dmitry Tokarev

Founded 2018, institutional digital-asset custody, prime services and off-exchange settlement (ClearLoop). Backed by Barclays, Tiger Global and others; a leading name in London's institutional crypto-fintech...

Shachar Bialick

Founded 2016, an app that consolidates multiple cards into one smart card/wallet with rewards, and now offers pay-later and its own flexible payments. Has raised hundreds of millions and expanded to the US; ...

Michael Mueller & Dave Scola

Founded 2016, cloud-native payments-as-a-service and account-to-account processing for banks and PSPs. Partnered with Thought Machine in 2025 to deliver end-to-end real-time payments (FedNow, TCH RTP, SEPA I...

Adam Dodds & Viktor Nebehaj

Founded 2016, a commission-free share-dealing / investing app (a UK 'Robinhood' rival) with 1M+ users and ISA/SIPP products. Acquired by London-listed IG Group for £160M in 2025 (a ~29% discount to its prior...

Ben Stanway & Charlie Mortimer

Founded 2016, a saving-and-investing app (round-ups, ISAs, pensions, home-buying) with 1M+ customers. Assets under administration grew 62% YoY with £6.4B annual net inflows; raised a Series D in April 2025. ...

Victor Trokoudes & Alex Michael

Founded 2016, an AI-driven automatic-savings and investing app across the UK and Europe with millions of users. Launched an AI money-guidance assistant used by 150,000+ customers in 2025. Continues to raise ...

Gabriel Le Roux & Paul Anthony

Founded 2020 by two ex-Braintree/PayPal alumni, a unified payments-orchestration infrastructure that routes near-100% of clients' payment volume across processors, acquirers and fraud tools. Raised a $100M S...

Peter Briffett & Portman Wills

Founded 2018, a financial-wellbeing platform offering earned-wage access, savings, coaching and loans via employers. Secured a €352M ($400M+) debt facility from Citi in 2025 to expand; equity backers include...

Stefano Vaccino

Founded 2017, an enterprise open-banking API platform for payments and financial data across Europe. Powers use cases from account aggregation to A2A payments; partnered with Alipay+ in 2025 to enable Europe...

Vivek Madlani & Mike Curtis

Founded 2016, an AI-powered financial-advice / holistic financial-planning platform for consumers and advisers. INDIAN-ORIGIN FOUNDER: Vivek Madlani (CEO). Backed by Portfolio Ventures and others as it autom...

Kamran Hedjri & Manpreet Singh Haer

Founded 2019, payments infrastructure connecting global merchants to local/alternative payment methods across emerging markets (India, Africa, LATAM, SE Asia). SOUTH-ASIAN-ORIGIN CO-FOUNDER: Manpreet Singh H...

Jinesh Vohra

Founded 2019, an app that helps homeowners overpay and pay off their mortgage faster (round-ups, cashback, smart payments, live mortgage comparison). INDIAN-ORIGIN FOUNDER: Jinesh Vohra (ex-Goldman Sachs). C...

London fintech (~$138m raised; EQT Ventures, Balderton, LocalGlobe) offering an AI chat-based money assistant aimed at Gen Z, with most users in the US and ~$150m ARR. Reportedly eyeing a fresh raise and a U...

Charles Delingpole

Founded 2014; RegTech SaaS using AI/AML technology to screen millions of data points daily for financial-crime risk, serving 500+ enterprises. CEO is Vatsa Narasimha (Indian-origin, ex-OANDA). A pillar of Lo...

London-headquartered fintech that secured a full UK banking licence and runs an API-driven banking-as-a-service platform — providing regulated accounts, payments and embedded-finance/compliance infrastructur...

London fintech using AI and behavioural science to make debt collection more empathetic and effective for lenders, utilities and the public sector, replacing aggressive legacy collections. Acquired by Intrum...

London workplace-finance platform (founded 2018, rebranding to Stream) offering earned-wage access, savings, and financial-wellbeing tools to ~3m frontline workers via their employers. Backed by Balderton, N...