Revolut is the most valuable fintech company in the UK
The UK has now ~50 fintech unicorns, across private, public and already acquired companies.
Revolut, valued at $115B is the UK's highest valued fintech company. Second spot for FNZ, valued at $20.0B, followed by Blockchain.com, valued at $14.0B.
Plenty of great fintech companies in the UK, but country is particularly strong across neobanking - the UK produced neobanking stars like Revolut, Wise, Starling, Monzo, Tide or OakNorth.
Data as of August 2026, based on the latest reported valuation or market capitalization for public companies.
What companies became fintech unicorns in the UK?
This ranking includes the largest fintech companies in the UK, valued above $1 billion. It includes private, public and acquired companies. Most private valuations are last reported or recently rumoured.
On ZIRP-era (2020-2022) valuations: many comps on this list raised on $1B+ valuations during the ZIRP era. We exclude companies that are known to have their valuations adjusted, but include these that maintained their status, or their new valuation is unknown.
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1
RevolutRevolut is a London-headquartered digital banking platform serving over 40 million customers across Europe, the United States, and Asia. It provides mobile app-based services including multi-currency accounts, debit cards, international transfers, cryptocurrency exchange, commission-free stock and commodities trading, and insurance products. Founded in 2015, Revolut holds banking licenses in Lithuania and the UK.
$115B
$6.0B
19.2x
Private
2
FNZFNZ is a wealth management platform technology company headquartered in London. It provides banks, insurers, asset managers and wealth managers with an end-to-end platform covering client onboarding, financial planning, order execution, custody, settlement and portfolio administration, delivered as a long-term outsourced service rather than as licensed software alone. The group operates in more than 20 countries, administers roughly US$2.5 trillion of assets for over 650 financial institutions and reaches more than 30 million end investors. It is majority owned by institutional investors including La Caisse, Generation Investment Management, CPP Investments and Motive Partners, alongside employee shareholders, and has expanded through a long sequence of acquisitions and, more recently, disposals of non-core banking and fund-platform units.
$20.0B
$1.4B
14.3x
Acquired
3
Blockchain.com
$14.0B
–
–
Private
4
Checkout.comCheckout.com is a global payment processor supporting transactions in over 150 currencies through a unified API. It delivers in-country acquiring across more than 50 countries, advanced fraud detection powered by machine learning, and comprehensive reporting dashboards. The platform accepts all major credit and debit cards alongside local methods such as iDEAL, Alipay, and Klarna. Checkout.com maintains offices in London, New York, Singapore, and 16 other locations worldwide. Launched in 2012, it serves enterprises like Sony, Revolut, and McDonald's with scalable infrastructure for high-volume payments.
$12.0B
–
–
Private
5
WiseWise is a currency conversion platform that matches, where possible, offsetting currency transactions across borders to reduce costs. The group focuses primarily on private clients and small and midsize enterprises, but it is building out its platform business aimed at providing its services as a backend solution to banks. By operating local accounts in each jurisdiction Wise sends money to or receives money from, this fintech offers faster and cheaper currency transfer services than incumbents (banks). Wise has started to broaden its product offering, issuing its clients debit cards and allowing customers to invest funds in various asset management products.
$11.9B
$2.7B
–
Public
6
SageThe Sage Group is a U.K.-based provider of accounting and enterprise resource planning, or ERP, software, predominantly to customers in the U.S. and Europe. The company was founded in 1981 and historically sold on-premises software products with perpetual software licenses. However, the company is transitioning toward cloud connected and cloud native products, sold via software-as-a-service, or SaaS, contracts. Sage’s main cloud native products include Sage Accounting, for small businesses, and Sage Intacct, which Sage acquired in 2017, for midsize businesses.
$11.6B
$3.4B
4.0x
Public
7
The Access GroupThe Access Group is a software provider delivering integrated business management solutions including ERP, finance, HR, payroll, recruitment, warehousing, business intelligence, professional services automation, and manufacturing modules. London-headquartered Access Group plc serves organizations across multiple industries with cloud-based platforms that streamline operations. The company maintains a broad portfolio addressing end-to-end business needs from core financials to specialized sector tools.
$11.6B
$911M
12.7x
Acquired
8
Finastra
$10.0B
$1.9B
5.3x
Private
9
ION Group
$9.3B
$3.3B
2.8x
Private
10
SumUpSumUp is a financial technology company providing card readers, point-of-sale systems, and merchant financial services targeted primarily at small businesses, independent merchants, and sole traders. Founded in Berlin in 2012 and now headquartered in London, the firm operates in more than 35 countries across Europe, the Americas, Australia, and beyond, offering portable card terminals alongside online payment processing, invoicing tools, e-commerce store builders, and business accounts with debit cards. SumUp positions itself as an integrated commerce platform for micro-merchants and competes with players such as Square, Stripe, and PayPal's Zettle.
$8.5B
$600M
14.2x
Private
11
IG GroupIG Group Holdings PLC provides online trading services to its clients. The majority of the company's revenue stems from its derivative products and contracts for difference (CFDs). The company operates through various segments which are The U.K. segment which derives its revenue from financial spread bets, CFDs, binary options, and execution-only stockbroking. The Australian segment derives its revenue from CFDs and binary options. The European segment derives its revenue from CFDs, binary options, and execution-only stockbroking. The Rest of the World segment derives its revenue from the operation of a regulated futures and options exchange as well as CFDs and binary options. The company generates more than half of its revenue from the U.K., followed by Europe and Australia.
$5.9B
$1.3B
4.2x
Public
12
MonzoMonzo is a London-headquartered digital bank serving customers in the United Kingdom and United States. The app provides current accounts, savings pots, overdrafts, and investment products with instant transaction notifications. Monzo issues Mastercard debit cards and offers joint accounts for shared budgeting. Expanded from prepaid cards in 2016, the bank holds a full UK banking license and operates branches in Cardiff and Manchester. Monzo integrates Open Banking APIs for seamless transfers from Barclays and Lloyds.
$5.9B
$1.1B
5.3x
Private
13
Starling BankStarling Bank is a London-based digital bank offering personal current accounts, joint accounts, and business banking via mobile app. Launched in 2017, it provides savings spaces, overdrafts up to £5,000, and debit cards with no foreign fees. Starling serves over three million customers with FSCS protection up to £85,000.
$5.4B
$1.2B
4.5x
Private
14
ZepzZepz is a London-headquartered fintech operating WorldRemit and Sendwave brands for international money transfers. The platform serves customers in 50 countries, facilitating remittances to over 140 destinations in Europe, Asia, Africa, Australia, and the Americas. Recipients access funds via bank deposits, cash pickup at 25,000 locations, mobile wallets, or airtime top-ups. Zepz processed billions in transfer volume annually through its digital-first model.
$5.0B
$338M
14.8x
Private
15
LendableLendable is a London-based peer-to-peer lending marketplace matching individual investors with personal loan borrowers in the United Kingdom. The platform processes applications in minutes without paperwork, funding loans from investor deposits.
$4.7B
$114M
40.8x
Private
16
RapydRapyd is a London-headquartered fintech-as-a-service platform that allows businesses to embed payment acceptance, payouts, card issuing, foreign exchange, and business wallet capabilities into their products through a single API. Founded in 2016, the company operates a global network spanning more than 100 countries and connects local payment methods including cards, bank transfers, e-wallets, and cash. Rapyd has scaled rapidly through acquisitions of Valitor, Korta, and Neat, and serves marketplaces, e-commerce companies, gig economy platforms, and financial institutions that need cross-border payment infrastructure without building it in-house.
$4.5B
$1.0B
4.5x
Private
17
AccelerantAccelerant Holdings operate as a data-driven risk exchange that connects selected specialty insurance underwriters with risk capital partners. Geographically, it operates in North America; and UK and EU, out of which it derives maximum revenue from UK and EU.
$4.3B
$880M
4.5x
Public
18
PreqinPreqin is a London-headquartered database platform delivering data on private equity, venture capital, real estate, hedge funds, and infrastructure. The service provides market analytics, intelligent search, visual tools, and news for investment professionals worldwide. Users access fund performance, deal flows, and LP/GP mappings through subscriptions. Founded in 2003, Preqin supports fundraising, due diligence, and benchmarking across 90 countries.
$3.2B
$240M
13.3x
Acquired
19
OSTTRAOSTTRA is a London-headquartered financial technology provider delivering post-trade solutions for over-the-counter and exchange-traded derivatives. It processes trades in interest rate swaps, foreign exchange options, credit default swaps, and equity derivatives through platforms like MarkitWire and Traiana Harmony. The company offers portfolio reconciliation, margining, and regulatory reporting compliant with EMIR, Dodd-Frank, and MiFID II. Formed in 2021 from the combination of MarkitServ and Traiana under joint ownership by CME Group and IHS Markit, OSTTRA handles daily volumes across 1,500 clients worldwide including major banks and hedge funds. Its services extend to compression and optimization reducing counterparty risk.
$3.1B
–
–
Acquired
20
OakNorthOakNorth is a digital bank providing loans to small and medium enterprises overlooked by traditional lenders. London-headquartered, the neobank offers secured property finance, working capital facilities, and term loans for hospitality, social housing, education, and healthcare sectors across the UK. It uses AI-powered credit analysis for rapid underwriting. Founded in 2015, OakNorth supports developers and operators with tailored debt products.
$2.8B
–
–
Private
21
CMC MarketsCMC Markets PLC is a United Kingdom-based company that provides an online platform for trading and investing, with a comprehensive retail, professional, and institutional offering. The Group’s business consists of two segments, Trading and Investing. The majority of its revenue is generated from the Trading segment, whose core business involves online trading, enabling clients to trade a broad array of financial instruments for short-term investment and hedging purposes. Additionally, the trading segment includes the Treasury Management and Capital Markets Division that invests surplus liquidity to enhance yield. The Investing segment supports clients’ longer-term investment goals. The group offers online stockbroking services in Australia, the UK, the USA, and Singapore.
$2.7B
$566M
4.1x
Public
22
Thought MachineThought Machine is a London-headquartered fintech founded in 2017, delivering the Vault Core cloud-native banking platform to replace legacy systems. Adopted by JPMorgan Chase for its digital bank, Lloyds Banking Group, and Standard Chartered across retail, corporate, and investment banking, Vault supports real-time processing via microservices on AWS and Google Cloud. The platform handles mortgages, deposits, and payments compliant with PSD2 regulations. Thought Machine serves 20+ financial institutions globally with headquarters in the UK and offices in Singapore and New York.
$2.7B
$63M
42.9x
Private
23
QuantexaQuantexa is a UK-based data and AI software company that pioneers Contextual Decision Intelligence (DI). Its platform unifies messy, siloed data into a single, trusted, and reusable resource. By applying Composite AI, it maps relationships between people, organizations, and places to help organizations mitigate risk, detect fraud, and drive growth.
$2.6B
$100M
26.0x
Private
24
TeyaTeya is a London-headquartered payments provider for SMEs across Europe, formerly known as SaltPay. The company processes card transactions, offers POS hardware, loyalty programs, and cash advances to over 300,000 merchants in the UK, Spain, Italy, and Germany. Teya integrates with accounting software like Xero and QuickBooks for automated invoicing. Its gateway supports online and in-store payments with 3D Secure fraud prevention and dynamic currency conversion.
$2.4B
–
–
Private
25
True PotentialTrue Potential is a UK wealth management technology platform supporting financial advisers and retail investors with integrated tools for investment lifecycle management. It provides goal-based planning software, client onboarding portals, fee reconciliation systems, and servicing dashboards. London-headquartered, the company streamlines processes for advisers handling discretionary portfolios and model portfolios. Launched in 2011, True Potential manages billions in assets under administration across its Super 20 Investment Plans and advisory services.
$2.4B
$386M
6.2x
Acquired
26
BGL GroupBGL Group is a Peterborough-headquartered distributor of insurance products in the United Kingdom with offices in Sunderland, York, Wakefield, and Paris. It underwrites motor and home policies under the Junction brand while operating comparison sites comparethemarket.com in the UK and LeFuret.com in France. Partnerships supply branded insurance through M&S Bank, RAC, Post Office, HSBC, Lloyds Bank, Halifax, and Santander channels. Budget Group of Companies transformed into BGL Group Limited in 2007.
$2.4B
$778M
3.0x
Private
27
CopperCopper is a London-headquartered custody and trading platform for institutional digital assets. It safeguards over $5 billion in client assets including Bitcoin and Ethereum using multi-party computation wallets and air-gapped storage. The ClearLoop network facilitates off-exchange settlement with exchanges like Binance and Coinbase Prime, while its lending service offers uncollateralized loans.
$2.0B
–
–
Private
28
Marshmallow
$2.0B
$500M
4.0x
Private
29
ManyPetsManyPets is a UK pet insurance provider offering policies for dogs, cats, and multi-pet households. Coverage includes lifetime conditions, dental issues, and wellness plans with no excess options. London-headquartered and launched in 2019 as Bought By Many, the firm uses AI for claims processing and serves over 200,000 pets. Partnerships with vets like Vets4Pets provide direct reimbursement.
$2.0B
$85M
23.5x
Private
30
ZilchZilch is a London-headquartered payments network offering buy-now-pay-later services with 0% APR over six weeks and no fees for UK consumers. Launched in 2020, it processes transactions for retailers like ASOS and Nike, generating revenue through advertising while serving 2 million users via its app.
$2.0B
$147M
13.6x
Private
31
Interactive InvestorInteractive Investor is a Manchester-based subscription-based investment platform serving over 400,000 customers in the UK. Founded in 1995 and acquired by abrdn in 2022, it offers execution-only trading in stocks, funds, and ETFs with a flat £4.99 to £19.99 monthly fee structure. The site attracts 8 million unique annual visitors through independent research tools and direct investment access. It ranks as the UK's largest flat-fee platform by client numbers and assets under administration exceeding £50 billion.
$1.9B
–
–
Acquired
32
With IntelligenceWith Intelligence is a data provider delivering profiles, fund details, personnel information, indices, news, performance metrics, thought leadership, analyst views, and investor preferences. Headquartered in London, it caters to private equity, venture capital, and real assets sectors. The platform supports deal sourcing, due diligence, and market intelligence for financial professionals globally.
$1.8B
$130M
13.8x
Acquired
33
BVNKBVNK is a provider of enterprise payments infrastructure combining stablecoins and fiat rails for global transactions. Based in London, United Kingdom, BVNK offers managed and self-custody models for cross-border payments, payroll, and marketplace settlements, including licensing, custody, and compliance support for fintech clients.
$1.8B
$40M
45.0x
Acquired
34
SkyscannerSkyscanner is an Edinburgh-headquartered global travel metasearch engine comparing flights, hotels, and car hires. The platform aggregates listings from airlines such as British Airways and Ryanair, plus booking sites like Booking.com, serving users in over 50 languages across 100 countries. Skyscanner, acquired by Trip.com Group in 2016, processes billions of searches yearly for leisure and business travel.
$1.7B
$443M
3.9x
Acquired
35
Acuris
$1.7B
–
–
Acquired
36
EsureEsure is a Reigate-headquartered insurance provider in the United Kingdom that underwrites more than 2 million motor and home policies through its esure and Sheilas' Wheels brands. Customers access car, home, travel, and multicar coverage via online portals and telephone services nationwide. Founded in 2000 by Peter Wood as a direct insurer focused on car policies, the company launched Sheilas' Wheels in 2005 targeting female drivers. Bain Capital acquired Esure in 2018 for 1.5 billion pounds, bolstering its position in the competitive personal lines market across England, Scotland, Wales, and Northern Ireland.
$1.6B
$1.4B
1.2x
Acquired
37
TideLondon-headquartered Tide is a business banking platform offering current accounts, invoicing tools, expense tracking, payroll processing, and integrations with accounting software like Xero and QuickBooks. The service supports company registration, virtual and physical Mastercard debit cards, savings pots with interest, and access to loans via partnerships with lenders such as iwoca. Tide serves over 500,000 businesses across the UK with features including real-time payments, automated VAT reconciliation, and fraud monitoring.
$1.5B
$225M
6.7x
Private
38
PaddlePaddle is a London-headquartered fintech platform serving as merchant of record for software companies worldwide. It manages subscription billing, global payments, sales tax compliance, VAT handling, and fraud prevention in over 200 countries. The service integrates with CRM systems, analytics tools, and developer platforms to streamline checkout flows and revenue recovery for SaaS providers.
$1.4B
$75M
18.7x
Private
39
Mony GroupMony Group PLC operates a tech-led savings platform, driven by the purpose of helping households save money. Its comparison sites include MoneySuperMarket, TravelSuperMarket, and Icelolly making it easy to find deals and save money on household bills and financial products, from car, pet, travel, and home insurance to credit cards, loans, savings, pensions, mortgages, bank accounts, holidays, car hire, broadband and TV packages.
$1.3B
$603M
2.3x
Public
40
9fin9fin is a London-based data and analytics provider for credit markets, serving finance, investment banking, and asset management professionals. The platform delivers tools for financial data analysis, risk assessment, market screening, and team collaboration on bond issuance, loans, and leveraged finance deals.
$1.3B
–
–
Private
41
SkrillSkrill is a London-headquartered digital wallet that processes online payments in over 40 currencies worldwide. Launched in 2001 as Moneybookers and rebranded in 2013, it belongs to the Paysafe Group and serves consumers for e-commerce purchases and international money transfers. Businesses leverage Skrill for merchant services, including prepaid cards and payment gateways tailored to iGaming and forex sectors. The platform supports instant transfers to bank accounts and cryptocurrencies like Bitcoin.
$1.2B
$332M
3.8x
Acquired
42
Allica BankAllica Bank is a London-headquartered digital bank for UK SMEs, launched in 2020. It offers savings accounts, fixed-term deposits, loans, and overdrafts through an app-based platform. Backed by investors including TCV, Allica serves businesses with turnover between £3 million and £100 million, maintaining branches in Manchester and Leeds for relationship banking.
$1.2B
$293M
4.1x
Private
43
GoCardlessGoCardless is a London-headquartered fintech that facilitates Direct Debit and bank payments for businesses handling domestic and international collections. The platform connects to over 2,300 banks across Europe and provides customer bank account data access for risk management and product enhancement. With offices in London, Paris, Riga, Melbourne, and New York, GoCardless supports more than 75,000 businesses globally including partnerships with Xero and Salesforce.
$1.2B
$168M
7.1x
Acquired
44
VocaLinkVocaLink is a United Kingdom payments infrastructure operator managing systems like BACS for bulk payments and the Image clearing service. Acquired by Mastercard in 2017, it processes billions of transactions annually through Faster Payments and Sort Codes. London-headquartered VocaLink connects over 20,000 UK institutions for real-time and batch settlements.
$1.1B
$244M
4.7x
Acquired
45
MoneyboxMoneybox is a London-based savings and investment app enabling automated deposits into ISAs, pensions, and Lifetime ISAs for first-time homebuyers. Founded in 2015, it serves 1.5 million UK users with round-up features, stocks and shares portfolios tracking FTSE indices, and pension consolidation from providers like Aviva. The app offers cash ISAs at 4.6% AER and robo-advisory with risk-rated funds from BlackRock. Moneybox holds FCA authorization and integrates with Starling Bank.
$1.1B
–
–
Private
46
LMAX GroupLMAX Group is a London-headquartered financial technology firm operating electronic trading venues for FX, metals, and cryptocurrencies. Its LMAX Exchange processes over $20 billion daily notional value with centralized limit order book matching. Regulated by FCA, the group serves institutional traders globally from data centers in New York, Tokyo, and Singapore.
$1.0B
$201M
5.0x
Private
47
CleoCleo is a London-headquartered AI financial assistant simplifying personal money management. It analyzes spending patterns, budgets, and accounts to offer conversational insights and automation. Cleo integrates with banks like Chase and Barclays across the UK, US, and Europe. Founded in 2016, the app processes transactions for millions of users worldwide.
$1.0B
$136M
7.4x
Private
48
PPROPPRO is a London-headquartered fintech firm offering payments orchestration infrastructure that connects businesses, banks, payment platforms, acquirers, and merchants to over 150 local payment methods in 120 countries through a single API. The platform delivers checkout optimization, acquiring services, fraud screening, and risk tools deployable without coding. Partners such as Citi, PayPal, and Stripe utilize PPRO to streamline operations, increase conversion rates, and manage complex payment flows across regions including Europe, North America, Latin America, and Asia Pacific.
$1.0B
–
–
Private
49
MSquaredMSquared is a London-based developer of a network enabling interoperability among metaverses. It leverages blockchain and cryptocurrency technologies to interconnect digital assets across various organizations and platforms.
$1.0B
–
–
Private
50
ZopaZopa is a London-headquartered digital bank offering personal loans, credit cards, savings accounts, and credit score monitoring through its mobile app. Founded in 2005 as the world's first peer-to-peer lending service, it matches lenders and borrowers while spreading risks across portfolios. Zopa transitioned to a full banking license in 2020, holding over £7 billion in deposits. The platform enforces automated repayments and provides tools for financial planning.
$1.0B
$385M
2.6x
Private
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Data and methodology
Underlying data
Public markets data is powered by FactSet (consensus analyst estimates), and Morningstar (historical data). Data points are calendarized to December where relevant: retrieved data on financial year ends (e.g. FY, FY+1 etc.) are mapped to calendar years (2025A, 2026E etc.) before the appropriate month weights are then applied to prior/future fundamentals.
Private transaction data is multi-sourced, aggregated from harvesting public information, 3rd party APIs, and data engineering. All data is verified and provided with an extensive manual process. If data permits, we apply our own logic to get to the EV. For example, for a large M&A deal with available information on the target's net debt, we might adjust a valuation to fully reflect an accurate EV. In all other cases, we take the reported valuation as the numerator. Financials: we source LTM revenue and LTM EBITDA data from company filings, press releases, or other verified sources. If LTM data is unavailable, we take the 'next best-fit' period (run-rate or calendar year), provided it makes sense in a given case. For example, if a deal closed in November 2025, we might take full-year 2025 revenue as a revenue benchmark.
Any raw figures are harmonised to USD for comparison purposes.
This page is built on data available at Multiples. Sign up for a free trial to see the full dataset.
