Top 12 New FinTech Startups in the UK

The UK continues to prove itself as one of the most dynamic fintech hubs in the world, with a new wave of startups stepping forward in 2025. These aren’t just companies tweaking old banking systems – rather, they’re reimagining how we earn, save, spend and invest, blending finance with technology in ways that feel intuitive, accessible and most of all, makes finance exciting.

From London’s traditional fintech heartland to fast-growing hubs in Manchester, Leeds and Edinburgh, innovation is thriving across the country. Whether it’s streamlining payments, democratising access to investing or building greener financial solutions, this year’s standout startups highlight just how broad the sector has become and how the presence of startups themselves is changing the game.

 

How Are Startups Redefining Everyday Money? 

 

For years, financial services felt rigid and outdated (and many still hold onto this perception of finance) – the overarching idea is that the industry has always been built more around institutions than individuals.

However, startups in 2025 are shifting that balance by building tools that work with how people actually live and manage their money. This means apps that automate saving without the stress, platforms that make cross-border payments as simple as sending a text and services that offer credit in fairer, more transparent ways.

Plenty of these companies are targeting the gaps that traditional banks have left wide open, sometimes unknowingly – whether that’s young people seeking flexible financial products, freelancers needing smarter tools to manage irregular income or consumers demanding ethical alternatives.

Essentially, the redefinition of everyday money isn’t about replacing banks in a straightforward swap of this for that, but about creating user-first systems where control and clarity sit with the individual. The impact is a financial landscape that feels less intimidating, more human and better suited to the realities of modern life.

 

Why Are Investors Betting Big On UK FinTech in 2025? 

 

The UK fintech sector has long been a magnet for investment, but 2025 has seen renewed energy from both domestic and international backers. Part of this confidence stems from the UK’s strong regulatory framework which gives startups the freedom to innovate while maintaining credibility in global markets.

Another driver, of course, is demand – consumers are moving faster towards digital-first finance than ever before, and investors recognise that many of the next big financial platforms are being built here. Of course, there’s also the influence of emerging technologies like artificial intelligence and blockchain, which are unlocking entirely new business models.

But, beyond the capital raised, investors are increasingly looking for startups that show clear social impact too – whether that’s promoting financial inclusion, enabling sustainability or building resilience in times of economic uncertainty. With these forces combined, it’s really no surprise that venture firms and angel investors are betting heavily on UK fintech this year.

 

 

12 of the Best New FinTechs in the UK in 2025

 

Financial technology is a booming industry in the UK, and while there are oodles of companies that have enjoyed success in this arena for many years, there are also plenty that are just getting started.

That said, these are 12 of the best and most exciting new fintechs in the UK in 2025.

Komainu

 

 

Founded in 2018, Komainu stands at the cutting edge of institutional crypto custody, offering safe, compliant and high-security storage for digital assets. Born from a collaboration between Nomura, Ledger and CoinShares, the Jersey-headquartered startup launched its service in 2020 and has since attracted serious attention.

It’s fully regulated (that includes FCA registration in the UK) and trusted by institutions for its segregated, on-chain asset structure and multi-party computation vaults.

This year’s $75 million Series B, funded entirely in Bitcoin, is powering global expansion and acquisitions. With services like Komainu Connect and staking, it delivers blockchain-savvy infrastructure built to meet the rigours of traditional finance.

 

Capi Money

 

Founded in 2023, London-based Capi Money aims to transform international payments for SMEs operating in emerging markets across Africa, Latin America and Asia. Its platform allows importers to settle invoices (sometimes up to $1 million) within 48 hours, without costly intermediaries.

Lean and ambitious, the team has already generated multi-million-dollar revenue within 13 months and expanded into four African countries. Backed by a €17.2 million Series A investment, its founders bring deep fintech experience, and the company is tackling persistent opacity and inefficiency in trade finance with speed, clarity and accessibility.

 

Navro

 

 

Launched in 2022 by Aran Brown and Eddie Harrison, Navro is a London-based fintech simplifying international payments for businesses. Its single-API platform allows companies to collect, convert and remit funds across more than 200 countries in 140 currencies, reducing complexity and compliance burdens.

The startup has secured substantial Series B funding. bringing its value above $100 million, and is projecting $2 billion in annualised transactions by year-end. Trusted by enterprises in payroll and pensions, Navro is now accelerating expansion into the US, Asia and the Middle East, making cross-border operations feel frictionless and local.

 

FinCrime Dynamics LTD

 

 

FinCrime Dynamics is a UK fintech specialising in financial crime intelligence using synthetic data. Its flagship tools like the Synthetizor generate realistic but fake data for safely testing fraud and anti-money-laundering systems. Clients include banks, crypto platforms and neobanks keen to avoid testing on sensitive real-world data.

With domain expertise in machine learning and behavioural simulations, the company helps firms shore up defences without compromising privacy, and its independent approach means it can assess systems objectively.

 

Fundpath

 

 

Fundpath is a fintech bridging a gap between fund buyers and sellers, using business intelligence to create smarter match-making in the investment ecosystem. The platform provides insight to help investment platforms and advisors connect more efficiently, reducing unnecessary noise and wasted effort. It brings transparency, relevance and targeted outreach to the presumably arcane world of investment products.

While still emerging, it stands out for putting clarity and analytics at the heart of fund distribution, promising both better outcomes and a greener footprint through smarter client engagement.

Revolut

 

 

Founded in 2015, Revolut was born from frustration with expensive travel banking. It now offers a full suite of digital banking services – from currency exchange and stock trading to mortgages and business accounts – to more than 50 million global users.

After posting a £1.1 billion profit in 2024, it’s solidly profitable and scouting acquisitions to broaden its reach. Its valuation recently hit $45 billion, cementing its place as the UK’s most valuable fintech. With ambitions to go public, possibly in New York, Revolut continues to push boundaries on what a digital-first bank can be.

 

Nsave    

Founded in 2022 by Rhodes Scholars Amer Baroudi and Abdallah AbuHashem, nSave is a London-based fintech dedicated to providing secure, compliant accounts abroad for individuals from high-inflation countries. The platform offers multi-currency accounts in USD, GBP and EUR, enabling users to send, receive, and invest their money globally.

In January 2025, nSave launched an investment product, granting access to US equities, ETFs and funds. Backed by a $18 million Series A funding round led by TQ Ventures, with participation from Sequoia Capital, Y Combinator, ACE Ventures and Proton Foundation, nSave is revolutionising financial inclusion for underserved populations.

Swoop

 

 

Founded in 2018 by Andrea Reynolds, Swoop is a London-based fintech offering small businesses a one-stop funding platform. It uses AI and open banking to simplify access to grants, loans, equity and tax credits. It has already helped over 200,000 businesses secure funding and continues expanding overseas – from the UK and Ireland to Canada and Australia.

After raising around €6 million, Swoop is scaling quickly, applying its streamlined matchmaking to a fragmented ecosystem and making finance feel fairer and more human for business owners everywhere.

 

Zopa

 

 

A pioneer of peer-to-peer lending, Zopa launched in 2005 and evolved into a bank by 2020. It built a reputation for transparent, fair finance products, offering savings accounts, loans, credit cards and reward schemes. Now fully regulated, Zopa serves more than a million customers, holding billions in deposits and loans.

In 2023, it acquired DivideBuy to supercharge its BNPL offering, blending regulation and customer protection. Valued at over £1 billion, Zopa stands out for its long history in UK fintech and its successful transition from P2P roots to a challenger bank.

 

The Bank of London

 

Launched in 2021 as the UK’s sixth clearing bank, The Bank of London built its platform on cloud-based, SaaS banking technology and immediately commanded a $1.1 billion valuation. It aims to enable corporations to embed banking and clearing services under their own brand. Despite hitting unicorn status early, it’s since faced regulatory scrutiny for governance and financial reporting concerns.

Still, its initial ambition – that is, to modernise wholesale payment infrastructure and challenge legacy incumbents – signals big thinking in a traditionally slow-moving sector.

 

Sokin

 

Founded in 2019 and headquartered in London, Sokin is powering a new era of global business payments by stripping away borders, barriers and hidden costs. It offers fast, seamless cross-border accounts payable, receivable and treasury tools, covering over 100 currencies and operating in 170+ countries through a single API-driven platform.

Ranked among Britain’s fastest-growing tech firms, Sokin processes more than $2.5 billion in annual transaction volume. Backed by Morgan Stanley Expansion Capital, PayPal alums, and names like Rio Ferdinand, it’s redefining how businesses – whether logistics firms or Premier League clubs – move money in a transparent, cost-effective and scalable way.

 

Zilch Technology Limited

 

 

London-based Zilch, founded in 2018, is a direct-to-consumer fintech that revolutionised ‘buy now, pay later’ with an ad-subsidised payments model. It achieved double-unicorn status at an astonishing pace and attracted four million users in just under four years.

Regulated by the FCA since launch, Zilch now posts over £145 million in annual recurring revenue. Their unique ASPN (ad-subsidised payments network) and seamless UX, combined with features like Zilch Up for credit-building, make them one of the most innovative and fastest-growing players in UK payments.