Top 10 FinTech Companies in the UK 2026

London has been building fintech companies to rival the world’s largest banks for the past decade. Some started with prepaid cards. Others began as peer-to-peer lenders or money-transfer apps. Now, several operate full banking licenses and report profits in the hundreds of millions of pounds while serving customers across dozens of countries.

Recent results show just how far the sector has come. Revolut reported £4.5bn in revenue and £1.7bn in profit before tax for 2025, and it now has 13 million customers in the UK alone. Monzo hit £1.7bn in annual revenue. Wise moved its primary listing to Nasdaq in May 2026 while keeping a secondary listing in London.

Not all of the names that led the pack five years ago have made it this far on their own. Some were acquired. Others shrank. And some closed. The firms that are still thriving found a way to turn a smart product into a regulated, profitable business.

This guide looks at the top 10 fintech companies in the UK for 2026, using the latest company results, current licenses and recent news. Want to know who to trust with your business banking or payments? Tracking the space as an investor? Just curious? Read on for who is leading British fintech right now.

Why Businesses Work With the Top FinTech Companies in the UK

Faster, Cheaper Money Movement

UK fintechs built their reputations on speed and price. Transfers that once took days can now settle in seconds, and many firms publish their fees upfront instead of hiding them in exchange rates.

Regulated and Trusted

Most of the companies on this list hold a UK banking license or are authorized by the Financial Conduct Authority (FCA). Licensed banks offer deposit protection under the Financial Services Compensation Scheme, and payment firms must safeguard customer funds, which matters if you’re moving your payroll or treasury.

Built for Small Businesses

The UK has around 5.2 million small businesses, and many of them were underserved by traditional high-street banks. Digital business accounts, invoicing tools and faster loan decisions have helped plug that gap.

Global Reach From a London Base

Many of these companies now earn a large share of their revenue outside the UK. If you’re planning to grow your business overseas, a partner with licenses in Europe, the US and Asia can grow with you.

Top 10 FinTech Companies in the UK at a Glance

Rank	Company	Core segment	Key 2026 figure
1	Revolut	Digital banking and payments	£4.5bn revenue (2025); 68.3m retail customers
2	Wise	Cross-border payments	$2.5bn net revenue (FY26); 19m active customers
3	Monzo	Digital banking	£1.7bn revenue (FY26)
4	Checkout.com	Enterprise payments	$750m annualized net revenue
5	Starling Bank	Digital banking and banking software	£217m profit before tax (FY26)
6	OakNorth	Business lending	£223m profit before tax (2025)
7	Zopa Bank	Digital banking and lending	£377.1m revenue (2025)
8	TrueLayer	Open banking and Pay by Bank	$150bn+ annualized payment volume
9	Tide	Small business banking	2m+ members worldwide
10	Funding Circle	SME lending	£2.5bn credit extended (2025)

Top 10 FinTech Companies in the UK (2026)

Here is a closer look at each of the top 10 fintech companies in the UK, what it does best and who it suits.

1. Revolut

Founded in London in 2015, Revolut began as a travel-money card. It has since expanded into accounts, cards, savings, trading, crypto and business banking. Revolut is now a licensed bank in more than 30 of the 40 markets where it operates.

Revolut’s 2025 results, published in March 2026, showed revenue up 46% to £4.5bn ($6.0bn) and profit before tax up 57% to £1.7bn ($2.3bn). Retail customers grew to 68.3 million, while business customers reached 767,000. In March 2026 Revolut exited mobilization in the UK, which means it can now offer full banking services to its 13 million UK customers. It also plans to invest £10bn over five years, including a new global headquarters in London.

Key Revolut Solutions
✔ Personal current accounts and cards
✔ Multi-currency accounts and international transfers
✔ Revolut Business for companies and freelancers
✔ Savings, investing and trading tools

Best for: Consumers and businesses that want one app for everyday banking, travel and investing.

2. Wise

Wise, formerly TransferWise, was founded in London in 2011 by Kristo Käärmann and Taavet Hinrikus. It gained recognition for low-cost international money transfers at the real exchange rate. The business now offers multi-currency accounts, cards and Wise Platform, which banks and businesses use to offer their own cross-border payments.

For the financial year ended March 2026, Wise reported net revenue up 19% to $2.5bn and income before tax of $660.4m. Active customers increased 21% to 19 million, and cross-border volume rose 31% to $243bn. On 11 May 2026, Wise moved its primary listing to Nasdaq under the ticker WSE, and it keeps a secondary listing on the London Stock Exchange. It holds more than 80 licenses worldwide.

Key Wise Solutions
✔ International money transfers
✔ Multi-currency personal and business accounts
✔ Wise debit cards for spending abroad
✔ Wise Platform for banks and enterprises

Best for: Businesses and individuals who send, receive or hold money in more than one currency.

3. Monzo

Founded in London in 2015, Monzo is known for its coral debit card and simple app. It offers personal and business current accounts, alongside savings, loans, an account for under-16s and paid subscription plans.

Monzo’s 2026 annual report showed revenue up 39% to £1.7bn and profit before tax up 20% to £172.6m. For the first time, gross profit passed £1bn. Monthly active users reached 10.4 million, business customers increased 45% and more than 1.6 million customers pay for a subscription plan. Under group CEO Diana Layfield, Monzo is investing in its expansion into Europe. In October 2026, reports said Monzo was exploring a stake sale after Nu Holdings said it was not pursuing a deal.

Key Monzo Solutions
✔ Personal and joint current accounts
✔ Monzo Business accounts
✔ Savings pots and personal loans
✔ Monzo for Under 16s

Best for: Everyday UK banking customers and small businesses that want a simple, app-first account.

4. Checkout.com

Checkout.com was founded in 2012 by Guillaume Pousaz and is based in London. It serves large online merchants with a payment processing platform that brings card acceptance, payouts, issuing and fraud tools together in one place. It has around 2,300 employees and operates in 56 countries.

In September 2026, Checkout.com announced $750m in annualized net revenue, up 28%. It expects adjusted EBITDA of around $150m for the full year and total payment volume of $480bn in 2026. The company serves more than 1,700 enterprise merchants, with recent partnerships including Microsoft, Spotify, eBay, Uber and ASOS. The US is now its fastest-growing region.

Key Checkout.com Solutions
✔ Online card acquiring and payment processing
✔ Payouts and card issuing
✔ Fraud detection and authentication
✔ Business accounts for merchants

Best for: Large e-commerce and digital businesses processing high payment volumes across many markets.

5. Starling Bank

Starling Bank was founded in 2014 by Anne Boden and was one of the first app-only banks in the UK. It provides personal, joint and business accounts and is popular with small businesses. Its software arm, Engine by Starling, sells the bank’s technology to other banks around the world.

For the year ended March 2026, Starling reported revenue of £887m, while profit before tax fell 3% to £217m, largely because of falling interest rates. Customer accounts grew from 5.3 million to 6.2 million. Engine’s revenue rose 25% to £10.9m, and it signed a 10-year deal with Tangerine, a Scotiabank subsidiary and Engine’s first North American client.

Key Starling Bank Solutions
✔ Personal and joint current accounts
✔ Business banking for sole traders and SMEs
✔ Engine banking-as-a-service platform
✔ Business lending

Best for: Small businesses and sole traders that want a fully licensed digital bank.

6. OakNorth

OakNorth is a London-based bank founded in 2015. It lends to scale-up businesses that are too large for typical small-business products and too small for big corporate banking teams. OakNorth uses its own credit analysis technology to speed up lending decisions.

OakNorth reported a 2025 profit before tax of £223m, up from £215m the year before. It provided £1.7bn of new loan facilities in the UK and $1.4bn in the US, where new lending more than tripled from the previous year. CEO Rishi Khosla says around 40% of the bank’s originations now come from the US, where OakNorth made its first acquisition in 2025.

Key OakNorth Solutions
✔ Commercial loans for growing businesses
✔ Property development finance
✔ Business and personal savings accounts
✔ Credit analysis technology

Best for: Established, fast-growing businesses that need larger loans than typical SME lenders offer.

7. Zopa Bank

Zopa was founded in London in 2005 as the world’s first peer-to-peer lending platform. It has since become a fully licensed digital bank offering personal loans, credit cards, car finance and savings. In 2025, it launched a current account as well.

Zopa made an underlying profit before tax of £65m in 2025, nearly double the year before and its third straight year of profit. Revenue grew 24% to £377.1m, deposits grew to £6.4bn and customers reached 1.7 million. Its new current account attracted hundreds of thousands of customers within months of launch, and Zopa has won more than 10 British Bank Awards.

Key Zopa Solutions
✔ Personal loans and car finance
✔ Credit cards
✔ Fixed and easy-access savings
✔ Current account and investments

Best for: Consumers looking for competitive loans and savings rates from a digital bank.

8. TrueLayer

TrueLayer was founded in London in 2016 by Francesco Simoneschi and Luca Martinetti. It runs an open banking network that lets merchants collect payments directly from customers’ bank accounts, an approach known as Pay by Bank. Its network reaches consumers in 22 countries.

TrueLayer now handles more than $150bn in annualized payment volume. In 2025 it said it processed over 40% of UK open banking payments, and in February 2026 eBay adopted its Pay by Bank service in the UK. In May 2026 it acquired in3, a Dutch buy now, pay later provider, to add credit to its Pay by Bank network.

Key TrueLayer Solutions
✔ Pay by Bank payments
✔ Instant payouts and withdrawals
✔ Account and identity verification
✔ Pay by Bank credit through in3

Best for: Merchants, gaming and financial firms that want lower-cost, instant bank payments.

9. Tide

Tide launched in the UK in 2017 as a financial platform for small businesses, sole traders and freelancers. In addition to business accounts, it offers invoicing, accounting tools, company registration and credit. Tide also operates in India, Germany and France.

In May 2026, Tide announced that it had passed 2 million members worldwide, including 900,000 UK small businesses. That gives it about 15% of the UK SME market. Tide has more than 1.1 million members in India and has helped UK small businesses access over £1.75bn in credit. A strategic investment from TPG in late 2025 valued the company at $1.5bn.

Key Tide Solutions
✔ Business current accounts
✔ Invoicing and expense tools
✔ Company formation services
✔ Business credit and loans

Best for: Sole traders, freelancers and small businesses that want banking plus admin tools in one place.

10. Funding Circle

Funding Circle is a London-based lender founded in 2010 and listed on the London Stock Exchange. It provides technology-led loans to small and medium-sized businesses. It also offers FlexiPay, a line of credit and card that business owners can use for purchases.

In its 2025 full-year results, Funding Circle reported income up 28% to £204.3m and profit before tax of £20.3m, up from £3.4m. Credit extended to businesses grew 29% to £2.5bn, and FlexiPay and card transactions grew 66% to £815m. Funding Circle hit its 2026 revenue target a year early and now has a medium-term revenue target of £350m.

Key Funding Circle Solutions
✔ Business term loans
✔ FlexiPay line of credit
✔ Business cashback card
✔ Fast online lending decisions

Best for: UK SMEs that need fast, flexible finance without a long bank application.

Also read: Top 10 Fintech Companies in USA

How to Choose the Right FinTech Partner

Check Regulation First

Does the company have a UK banking license, or is it authorized by the FCA as a payment institution or e-money institution? Licensed banks offer FSCS protection on eligible deposits, while e-money firms protect customer funds in different ways.

Match the Product to Your Need

A payments processor solves a different problem from a lender or a business bank. If you’re not sure where to start, think about the job that needs doing. Do you need to pay suppliers in another country, accept online payments or borrow money to grow?

Compare Fees and Pricing

Don’t just look at headline offers. Transfer fees, exchange-rate markups, subscription costs and processing rates can quickly add up, especially at higher volumes.

Look at Financial Strength

If you want your provider to be around for years to come, look for profitable businesses with strong balance sheets. Several companies on this list now publish annual profits, which is a good sign of stability.

Consider Your Growth Plans

Planning to trade overseas? Pick a partner with licenses and coverage in the countries you plan to trade in. Moving to a new provider later can be slow and disruptive.

Frequently Asked Questions About the Top 10 FinTech Companies in the UK

Which is the biggest fintech company in the UK?

By revenue and customer numbers, Revolut is the largest UK-founded fintech. It reported £4.5bn in revenue for 2025 and has more than 68 million retail customers worldwide.

Are UK fintech companies safe to use?

Most major UK fintechs are regulated by the FCA, and several, such as Monzo, Starling, Zopa and OakNorth, are fully licensed banks. Always check a firm’s status on the FCA register before you open an account.

Which UK fintech is best for small businesses?

There’s no one-size-fits-all answer. Tide and Starling are popular for everyday business banking, Funding Circle and OakNorth focus on lending, and Wise suits firms that work in several currencies.

How were the top 10 fintech companies in the UK chosen?

We considered scale, profitability, licenses, customer numbers and 2026 news, using each company’s published results and trusted industry reports. No company paid to be on this list.

Conclusion

The top 10 fintech companies in the UK have moved well beyond the startup stage. Revolut, Wise and Monzo now report revenue in the billions, while Starling, OakNorth and Zopa run profitable, licensed banks. Checkout.com, TrueLayer, Tide and Funding Circle show how deep the UK’s strength runs in payments and small-business finance.

The right choice depends on what you need, whether that’s everyday banking, cross-border payments or business credit. Use this list of the top 10 fintech companies in the UK as a starting point, then compare fees, regulation and features before you commit.