• Magdalena Gołębiewska

My Top 20 FinTechs in UK. Agree/disagree?

Updated: Jul 17, 2019

London is the second largest city in the world for fintech unicorns and saw $5 billion in investment into the sector in the first half of 2019. Which startups are the top ones? My top 20 list below.


1. Monzo (Really good UX, still can't decide if I prefer Monzo or Revolut :))

Focus: Banking Founded: 2015 Total Funding: $274,000,000 Website: Monzo.com

2. Revolut (I know polish team, and believe them that teams in other countries are as good as them. And..I am also a heavy user)

Focus: Banking

Founded: 2015

Total Funding: $336,400,000

Web: Revolut.com

3. N26 (Just entered the UK market but already hired brilliant Partnership Manager for a region. Not mention that they just entered US which all other challengers still planning to do)

Focus: Banking

Founded: 2013

Total Funding: $512,800,000

Web: n26.com

4. StarlingBank

Focus: Banking

Founded: 2014

Total Funding: $233,000,000

Web: Starlingbank.com

5. Tide (CEO was a COO in Kreditech where I was working while ago. Simply brilliant guy, so no discussion that Tide had to get to the list)

Focus: SMB Banking

Founded: 2015

Total Funding: $40,800,000

Web: Tide.com

6. Monese (One of PayPal's investments, can't go wrong here)

Focus: Banking

Founded: 2013

Total Funding: $80,400,000

Web: Monese.com

7. GoCardless

Focus: Payments/Cards

Founded: 2011

Total Funding: $122,300,000

Web: Gocardless.com

8. Coconut (Had a pleasure to meet couple of people from the team - solid business)

Focus: SMB Banking

Founded: 2016

Total Funding: $1,900,000 (on the beginning of the road, but IMO a black horse)

Web: GetCoconut.com

9. Iwoca (Had a pleasure to meet couple of people from the team, and the business model is really strong)

Focus: SMB Lending

Founded: 2011

Total Funding: $352,700,000

Web: Iwoca.com

10 Onfido (Luno was using them - they simply rock!)

Focus: Compliance/Security

Founded: 2012

Total Funding: $110,300,000

Web: onfido.com

11. Comply Advantage

Focus: Compliance/Security

Founded: 2014

Total Funding: $38,200,000

Web: Complyadvantage.com

12. TransferWise (No surprises here, simply based on valuation which is the highest in UK)

Focus: Remittances.

Founded: 2011

Total Funding: $772,700,000

Web: Transferwise.com

13. PaySend (Focusing on emerging markets, just launch digital money. Recently they crowdfunded on Seedrs - I didn't miss it)

Focus: Remittances

Founded: 2015

Total Funding: $25,600,000

Web: Paysend.com

14. Jaja Focus: Consumer Lending Founded: 2015 Total Funding: $20,550,453 Website: Jaja.co.uk

15. Credit Ladder (Lately partnered with Starling, and crowdfunding on Seedrs now (07.2019))

Focus: Mortage/Credit

Founded: 2016

Total Funding: $1,108,000

Web: CreditLadder.com

16. Habito

Focus: Mortgages Founded: 2015 Total Funding: $30,000,000 Website: habito.com

17. eToro (I use it for trading, so far so good :)) Had a pleasure to meet couple of people from the team as well)

Focus: Trading/Investing

Founded: 2007

Total Funding: $222,700,000

Web: Etoro.com

18. Luno (Had a pleasure to work there so I know firsthand that the company rocks and they will get to the moon!)

Focus: Cryptocurrency/Investing

Founded: 2013 (however in EU from 2018)

Total Funding: $13,800,000

Web: Luno.com

19. Thought Machine

Focus: AI

Founded: 2014

Total Funding: $18,000,000

Web: ThoughtMachine.net

20. OakNorth

Focus: Savings

Founded: 2013

Total Funding: $1,000,000,000 (yes, $1B)

Web: Oaknorth.com


It was supposed to be top20, so shouldn't add more, but if it would be top22, I would add Tandem (Banking) and TransferGo (Remittances). The last one simply because I was working there, and Head of Growth is brilliant, which makes me confident that the company will expand quite rapidly. I know there are hundreds of amazing FinTechs which operate in UK, however, wanted to make a short list. If you want to discuss and add/change something on the list contact me.


Contact me at m.golebiewska@icloud.com or leave your email below and let's stay in tuoch. 

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