Top UK Fintech Startups For 2025

1. Yonder

Founders: Tim Chong, Theso Jivajirajah, and Harry Jell

Having climbed the Startups 100 to take third place this year, Yonder is the UK’s next big fintech success story, moving to rival fellow Startups-100 alumni Revolut and Monzo.

All the yuppies love Yonder. Its rewards credit card lets customers earn points and redeem them for experiences, flights and dining options at local hotspots in UK cities. It also offers no foreign exchange fees abroad and global travel insurance, providing one, easy-to-use app to gain financial benefits and manage spending.

Having already achieved a nine-figure valuation, Yonder is set to take flight in 2025. Last year, it successfully rolled out its Yonder Flights feature, allowing travellers to use points for any flight they choose, putting flexibility and value into the hands of its customers.

2. Triple Technologies

Founders: Mario Navarro and Ibai Iturricha

Don’t recognise a name on your bank statement? Incomplete information in your account can easily make you feel panicked or worried about potential fraud. That’s what makes Triple Technologies such a game-changer. It has made it its mission to enrich spending data by building an Application Programming Interface (API) for challenger banking providers.

With the use of AI technology, Triple provides tools like transaction categorisation, merchant details, fraud detection, and subscription tracking — helping banks and fintechs deliver better insights, reduce costs and improve the customer experience.

So far, Triple has successfully enriched an impressive $10 billion in transactions and now services over 30 partner banks and fintechs across the globe.

3. Primer

Founders: Gabriel Le Roux and Paul Anthony

Expanding into a new market can be an exciting venture, but with it comes the pain of navigating localised payment processes and protocols. Businesses often have to use multiple payment providers across different markets, in turn having to keep on top of security protocols and fraud prevention standards.

This is something Primer tackles head-on with its unified structure. With a single API integration, Primer connects to hundreds of payment and commerce services, allowing companies to build a wholly customised payment experience.

With this clever approach, Primer has successfully raised $50 million in Series B funding and secured strong partnerships with the likes of New Look and Get Your Guide.

4. Black Seed Ventures

Founder: Karl Lokko

Black founders face a significant investment gap and in the last decade, only 0.4% of venture capital in the UK has gone towards them.

Winner of the Startups 100 DEI Award, Black Seed VC directly addresses this glaring problem. Amazingly, it’s the first seed fund in Europe to invest entirely in Black founders, and also offers targeted funding, mentorship and strategic partnerships, creating opportunities and resources that are often unavailable in the broader venture capital ecosystem.

Black Seed VC has so far partnered with M&G Catalyst, West River Group, and Natwest Group. Its commitment to fostering greater representation in entrepreneurship means it will be helping to craft a more inclusive, diverse startup ecosystem in 2025.

5. Bloom Money

Founder: Nina Mohanty

Diaspora communities in the UK face a severe lack of support from traditional banks, so founder Nina Mohanty made it her mission to bridge this gap with Bloom Money.

Through its digital platform, users can easily manage money clubs, as well as join or create “savings circles” with trusted friends or family members. This allows communities to save together, build financial security, and support each other in a trusted and flexible way.

Bloom Money has developed strong partnerships with various trusts and aims to be the leading platform for diaspora communities in the UK by 2030, setting a new, inclusive standard for traditional banking solutions to follow in its footsteps this year.

6. Atlantic Money

Founders: Neeraj Baid and Patrick Kavanagh

Transferring money internationally has never been easier, with a whole host of fintechs emerging in the past few years to do this exact task. However, it often comes with a hefty cost. Atlantic Money co-founders Neeraj Baid and Patrick Kavanagh knew all too well. After being hit with hundreds of pounds worth of fees, they decided enough was enough.

By offering a flat transfer fee of £3 (up to a limit of £1,000,000) and no hidden exchange rate markups, Atlantic Money makes sending money abroad more affordable, transparent, and accessible to everyone, making it stand out from all those samey ads you see on the Tube.

Atlantic Money’s bold USP has already led to an impressive seed funding of $7.5 million, plus backing by key investors like Index Ventures, Amplo and Kleiner Perkins.

7. ekko

Founders: Oli Cook, Simon Toller, and Manish Vara

While the world is becoming more eco-conscious, many consumers still feel disconnected from the environmental impact of their everyday spending. Meanwhile, businesses also struggle to engage customers on sustainability while meeting profit margins.

ekko bridges this gap by helping banks, fintechs, and payment providers integrate sustainability into their services. At checkout, customers are invited to track the environmental impact of their purchase and can take action to offset in one tap.

ekko’s solution has made significant strides in empowering individuals to contribute to environmental conservation and positioning itself as a leader in climate fintech. Client appetite has also been validated by securing a $2.5 million funding round in May 2024.

8. SuperFi

Founders: Tom Barltrop and Nick Spiller

Today, 72% of UK adults are struggling to pay their bills, yet 50% are turned away from debt organisations as they don’t have “enough” debt to be eligible for support.

This is how SuperFi is a helping hand, providing tools to help users manage their bills, track payments and improve their financial habits, while also offering rewards to those who pay on time. It’s so far partnered with several bill providers, such as The Greater London Authority and Newham Council, to help people keep on top of their bills and stay out of problem debt.

SuperFi’s success isn’t only reflected in its £775,000 seed funding, but also in the difference it made in people’s lives. It saves customers at least £1,600 each year on average, setting the scene for smarter, more empathetic debt management solutions in 2025.