Introduction
The fintech industry in the UK in 2025 continues its upward momentum, firmly cementing the United Kingdom’s reputation as a global epicenter for financial innovation. From London’s thriving financial district to regional tech hubs across the country, UK fintech companies in 2025 are rewriting the rules of banking, payments, lending, and beyond—with a strong focus on user experience, regulation-ready platforms, and seamless integrations powered by AI and blockchain.
Building on the legacy of our previous editions in 2023 and 2024, we return once more with our annual spotlight on the fastest growing fintech companies in the UK. This year's list reflects not only revenue growth and user acquisition but also innovation, sustainability, and adaptability in an era marked by technological acceleration and regulatory scrutiny.
In this updated report, we explore the key players reshaping the financial ecosystem—from new-age insurtech disruptors to wealthtech platforms catering to Gen Z. We also track emerging fintech growth trends in the UK, including open banking advancements, embedded finance, and the rise of hyper-personalized financial products. Whether you're an investor, founder, or curious observer, this curated selection will give you a deeper look into the top fintech startups in the UK shaping tomorrow's economy.
Financial Environment for Fintech Startups in the UK in 2025
In 2025, the fintech industry in the UK stands at a pivotal crossroads, blending global recognition with increasingly complex operating conditions. The UK retains its status as the second-largest fintech hub globally—trailing only the United States—and remains the uncontested European leader in financial innovation. Yet, this leadership faces real tests. Startup founders and investors alike must grapple with declining funding levels, tougher regulations, and fiercer global competition. The industry is forecasted to grow from $16.21 billion in 2025 to $26.11 billion by 2030, representing a strong 10% compound annual growth rate. However, the stark 27% drop in fintech investment last year casts a shadow over that optimism.
Still, behind the macro numbers lies a robust ecosystem that refuses to slow down. The UK fintech space contributes more than £11 billion to the national economy and supports over 76,000 jobs. With 37 fintech unicorns—second only to the US—the UK continues to attract global attention. And although total investment dipped to $9.9 billion in 2024, recent data from Q1 2025 tells a more hopeful story: venture capital funding rose 8% year-over-year, with fintech and AI-driven health tech leading the surge. These figures suggest that investors remain bullish on high-impact fintech startups, especially those leveraging artificial intelligence and embedded finance.
Regulation is evolving just as fast as the tech itself. The UK fintech companies in 2025 are operating in a newly calibrated legal landscape shaped by the Financial Conduct Authority’s Five-Year Strategy. This framework prioritizes consumer protection while encouraging innovation, highlighted by the integration of the Payment Systems Regulator into the FCA's oversight. Most notably, HM Treasury's draft legislation for cryptoasset regulation—released in April 2025—positions the UK as a leader in digital asset governance. Six new regulated crypto activities are set to go live by Q2 2026. In parallel, initiatives like the FCA and NVIDIA’s “Supercharged Sandbox” give startups a powerful testing ground for AI innovation—an unmistakable sign that the UK remains deeply committed to supporting fintech advancement through both policy and infrastructure.
Selection Criteria of 10 Fast-Growing Fintech Firms in the UK in 2025
To identify the top fintech startups in the UK for 2025, we conducted a rigorous selection process rooted in both qualitative insights and verifiable data. Our aim is to spotlight companies that are not only scaling quickly but are also reshaping the financial services landscape through technology. The following criteria guided our assessment:
Fintech, Insurtech, RegTech, and Beyond
We focused on companies operating in fintech and adjacent categories such as insurtech and regtech—firms that are redefining how financial services are delivered through innovative technology. This includes startups deploying embedded finance, blockchain infrastructure, AI-driven compliance tools, and digital lending models that reflect the evolving demands of consumers and institutions.
Company Size: 50 to 250 Employees
To ensure we’re highlighting businesses that are scaling effectively but haven’t yet matured into large enterprises, we limited our selection to those employing between 50 and 250 people. This headcount range typically reflects an agile, high-growth stage where companies are past early traction and pushing toward market dominance.
Team Growth > 50% Year-on-Year
A major signal of growth velocity is team expansion. We prioritized companies that have grown their headcount by over 50% between June 2024 and June 2025. Rapid hiring often indicates customer traction, market opportunity, and the organizational readiness to scale.
UK Headquarters
Each company selected is headquartered in the United Kingdom. This geographical filter ensures that we’re celebrating businesses embedded in—and contributing to—the UK fintech companies 2025 ecosystem, with local leadership and economic footprint.
Mobile Reality's Expert Evaluation
Backed by Mobile Reality’s deep domain experience in fintech software development, we applied an expert lens to identify firms showing disruptive potential, innovation leadership, and strong product-market fit. While data played a central role, our team’s qualitative assessment helped uncover companies that may be overlooked by traditional ranking methods.
All company data—including headcount and growth indicators—was validated using trusted sources like LinkedIn and Crunchbase to maintain credibility and transparency in our methodology.
With these criteria in place, the resulting list truly reflects the fastest growing fintech companies in the UK—startups primed to shape the future of financial technology in 2025 and beyond.
The unique selection of the top fintech companies in the UK in 2025
Matt Sadowski
CEO of Mobile Reality
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Kasha
Website: https://kasha.io
Growth: 268% (from 16 to 59 employees)
Kasha is building the ultimate “all-in-one business super-tool,” combining payments, invoicing, client management, scheduling, and more into a single platform. Designed with small business owners in mind, Kasha streamlines time-consuming back-office tasks, allowing entrepreneurs to focus on growth rather than admin. From managing appointments to generating branded websites, Kasha integrates an entire business operating system into one clean, easy-to-use digital space.
Having grown its team by more than 260% in just one year, Kasha is clearly gaining traction as one of the fastest growing fintech companies in the UK. The company’s mission to empower solopreneurs and micro-businesses with enterprise-grade tools—without the usual complexity or overhead—reflects a deep understanding of the market’s underserved segments. As the demand for flexible, tech-driven business infrastructure surges, Kasha is carving out a strong position in the UK fintech startups 2025 cohort.
Sokin
Website: https://www.sokin.com
Growth: 156% (from 41 to 105 employees)
Sokin is breaking down the barriers of international payments with a mission to simplify global trade for businesses of all sizes. By removing the friction from cross-border transactions, Sokin offers a seamless global payments network that empowers clients to send and receive money without hidden fees or geographic limits. Headquartered in London, the company leverages a diverse team of financial and tech professionals to shape the future of borderless banking.
Sokin’s remarkable 156% employee growth in just 12 months places it firmly among the fastest growing fintech companies in the UK. Its value proposition—unified payment solutions with a transparent, subscription-based model—has resonated globally, particularly with SMBs and entrepreneurs navigating international markets. As demand rises for efficient cross-border infrastructure, Sokin’s user-first innovation makes it one of the standout UK fintech startups in 2025 pushing financial inclusion forward on a worldwide scale.
Apron
Website: https://getapron.com
Growth: 106% (from 49 to 101 employees)
Apron is revolutionizing how small businesses handle payments by simplifying and digitizing the end-to-end transaction process. Founded in 2021, this London-based fintech firm focuses on eliminating the stress and inefficiency of managing outgoing and incoming payments—especially for small and medium-sized businesses (SMBs), where cash flow challenges often stand in the way of sustainable growth. By transforming complex payment workflows into streamlined batch-pay solutions, Apron empowers business owners to focus on scaling, not spreadsheets.
With more than 100% headcount growth in just one year, Apron has proven its momentum in the UK fintech companies 2025 landscape. The platform stands out with its ability to centralize invoice approvals, automate routine tasks, and reduce friction in financial operations. As the fintech ecosystem continues to mature, Apron’s mission to “flip payments from painful to powerful” is gaining traction—making it one of the fastest growing fintech companies in the UK that’s quietly transforming how SMBs move money.
Yaspa
Website: https://yaspa.com
Growth: 100% (from 29 to 58 employees)
Yaspa is redefining payments infrastructure by linking identity verification and open banking to streamline how money moves. Founded by a former Worldpay CTO, Yaspa empowers regulated businesses across the UK and Europe to process account-to-account payments that are faster, cheaper, and more secure than card transactions. Their solution also simplifies KYC compliance, enabling seamless customer verification embedded directly into the payment flow.
Doubling its team in the past year, Yaspa achieved a 100% growth rate, securing its position among the fastest growing fintech companies in the UK. Backed by major investors and regulated by the UK Financial Conduct Authority, Yaspa represents a new wave of infrastructure-focused UK fintech startups in 2025. Its laser focus on security, interoperability, and speed places it at the heart of the digital payment revolution—offering businesses the tools to build frictionless, future-ready financial experiences.
Tembo
Website: https://tembomoney.com
Growth: 77% (from 79 to 124 employees)
Tembo is redefining access to homeownership through its award-winning digital mortgage and savings platform, designed to maximize affordability for a new generation of buyers. By combining smart technology with deep financial expertise, Tembo helps users explore over 25 specialist schemes—from family-supported mortgages to shared ownership and interest-only products. Voted the UK's Best Mortgage Broker three years in a row, Tembo is tackling the UK’s affordability crisis with tools that unlock borrowing potential and reduce monthly costs by an average of £82,000.
In the last year, Tembo’s team has grown by 77%, making it one of the fastest growing fintech companies in the UK. Its newly launched consumer savings products, including the market-leading Lifetime ISA, reflect the platform’s expansion into holistic financial planning. By guiding first-time buyers through complex financial journeys and streamlining decision-making with powerful integrations, Tembo stands tall among the top UK fintech startups in 2025, reshaping how home financing works in the modern era.
Matt Sadowski
CEO of Mobile Reality
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Deblock
Website: https://deblock.com
Growth: 78% (from 50 to 89 employees)
Deblock is redefining digital banking by offering the world’s first crypto wallet directly integrated with a current account. Headquartered in London, Deblock is making cryptocurrency usable in everyday life—bridging the gap between traditional banking and the decentralized world. Users can store, swap, and spend crypto just as easily as fiat, with direct access to account features like virtual cards, bill payments, and SEPA transfers—all while maintaining full control of their digital assets.
With nearly 80% growth in employee headcount over the past year, Deblock has positioned itself as one of the top fintech startups in the UK tapping into the rising convergence of crypto and mainstream finance. The company is a key player in shaping how users interact with their money in a Web3-powered future—providing banking-grade compliance, a non-custodial wallet model, and native fiat–crypto functionality. As digital assets move further into the financial mainstream, Deblock is one of the fastest growing fintech companies in the UK helping that shift happen.
Yonder
Website: https://www.yonder.com
Growth: 72% (from 61 to 105 employees)
Yonder is reshaping credit cards for the modern consumer, turning spending into a lifestyle-enhancing experience. With a mission to build better credit habits, Yonder offers users a premium credit card that combines financial responsibility with local discovery—rewarding users with perks at top dining and leisure spots in their city. It’s credit reimagined for urban explorers, driven by simplicity, transparency, and tech.
Growing its team by 72% over the last year, Yonder has quickly climbed into the ranks of the fastest growing fintech companies in the UK. With a strong design-first product and highly curated rewards ecosystem, the company appeals to a younger demographic traditionally underserved by legacy credit providers. As consumers look for value beyond cashback and points, Yonder emerges as a standout among UK fintech startups in 2025, fusing finance with lifestyle in a uniquely human way.
SAPI
Website: https://sapi.com
Growth: 63% (from 108 to 177 employees)
SAPI is transforming the global payments ecosystem by building custom credit infrastructure tailored for payment providers and their merchants. Focused on creating liquidity where it's needed most, SAPI delivers a modular platform that enables companies to design, launch, and scale credit products with speed and precision. From underwriting to risk management, SAPI's end-to-end tooling empowers partners to offer seamless financing experiences without the traditional barriers of legacy systems.
With a 63% year-over-year headcount increase, SAPI stands out as one of the fastest growing fintech companies in the UK. Their traction reflects a growing appetite for embedded lending models that are both compliant and configurable. As credit becomes an increasingly embedded feature across B2B and B2C payment flows, SAPI’s infrastructure-driven approach positions it firmly among the top UK fintech startups in 2025, driving liquidity for the digital economy.
Novatus Global
Website: https://www.novatus.global
Growth: 58% (from 53 to 84 employees)
Novatus Global is helping financial institutions tackle one of the most pressing challenges of our time: regulatory complexity. By combining bespoke technology solutions with deep domain expertise, Novatus enables banks, insurers, and asset managers to meet evolving compliance standards with confidence and agility. Their technology-led advisory model is tailored to high-risk, high-stakes regulatory environments—making them a go-to partner for firms that can’t afford to get it wrong.
With a team expansion of 58% over the past 12 months, Novatus Global has earned its place among the fastest growing fintech companies in the UK. While others may focus narrowly on regtech automation, Novatus pairs robust software solutions with hands-on consultancy—blending innovation with insight. As compliance continues to shift from reactive to strategic, Novatus is well-positioned among the top UK fintech startups in 2025 that are reshaping how institutions meet regulatory expectations.
Noah
Website: http://www.noah.com
Growth: 54% (from 33 to 51 employees)
Noah is building next-generation payment infrastructure that harnesses the power of stablecoins for seamless international money transfers. Designed with developers and enterprises in mind, Noah’s platform offers accessible APIs and a full suite of low-code and no-code integration options—making it easy to embed stablecoin-powered payments into digital products. With a sharp focus on interoperability, compliance, and user experience, Noah is helping usher in a new era of borderless finance.
In the past year alone, Noah grew its team by over 50%, reinforcing its position among the most promising UK fintech companies in 2025. The company’s mission is clear: remove the complexity and inefficiencies of cross-border money movement by leveraging blockchain rails without compromising on regulatory trust. As stablecoins continue to gain traction in global finance, Noah’s infrastructure-first approach puts it on the map as one of the top fintech startups in the UK driving real utility in Web3 and beyond.
Methodology Behind the Ranking
Company | Growth % | Headcount (2025) | Headcount (2024) | Weighted Score |
|---|---|---|---|---|
Kasha | 268 | 59 | 16 | 1072.0 |
Sokin | 156 | 105 | 41 | 835.78 |
Apron | 106 | 101 | 49 | 595.16 |
Yaspa | 100 | 58 | 29 | 485.8 |
Tembo | 77 | 124 | 79 | 485.39 |
Deblock | 78 | 89 | 50 | 440.22 |
Yonder | 72 | 105 | 61 | 427.01 |
SAPI | 63 | 177 | 108 | 425.56 |
Novatus Global | 58 | 84 | 53 | 332.22 |
Noah | 54 | 51 | 33 | 272.4 |
For the first time in this annual report, we’ve introduced a more advanced methodology to determine the top 10 fastest growing fintech companies in the UK in 2025. In previous editions, our rankings relied primarily on raw growth percentages. But this year, we recognized the need for a more nuanced metric that reflects not just how fast companies are growing, but also the scale and complexity of their expansion.
Why Growth Rate Alone Isn’t Enough
A company growing from 5 to 15 employees may boast a 200% growth rate, but the absolute impact of that growth differs greatly from a business expanding from 100 to 150 people. To move beyond vanity metrics, we designed a custom formula that weights growth against the company’s size at the start of the measurement period (June 2024).
Our Weighted Growth Formula
We calculated a custom score for each company using the following formula:
Weighted Score = (Growth Rate %) × log₂(Headcount in June 2024)
Growth Rate %: Reflects the year-over-year headcount increase from June 2024 to June 2025.
log₂(Start Headcount): Provides a scaled weight that values growth from a more meaningful base, ensuring larger companies aren’t unfairly penalized for growing at scale.
A Smarter View of Growth
By applying this new weighted ranking model, we ensure that our 2025 list highlights companies that are scaling with purpose. Leaders like Kasha, Sokin, and Apron didn’t just grow fast—they grew with the kind of infrastructure, team development, and market readiness that makes lasting success possible.
As we continue to evolve this report year over year, we remain committed to offering clear, data-driven insights into the UK fintech companies shaping the future of finance.
Conclusion
The UK continues to assert itself as a powerhouse in financial innovation, with fintech startups driving transformative change across payments, lending, insurance, crypto, and embedded finance. This year’s selection of the top fintech startups in the UK showcases the diversity, creativity, and scalability of the next wave of disruptors—from regtech consultancies and stablecoin platforms to all-in-one SMB tools and lifestyle-driven credit cards.
What sets these fastest growing fintech companies in the UK apart isn’t just headcount growth—it’s the ability to scale with purpose, resilience, and real-world impact. Despite a more cautious investment climate, these firms are pushing boundaries in regulation, technology, and customer experience. They reflect a fintech ecosystem that is not only weathering economic shifts but using them as fuel for reinvention.
At Mobile Reality, we’re proud to spotlight these innovators and support the growth of the UK’s thriving fintech landscape. Whether you’re a founder, investor, or product leader, we hope this report serves as both a resource and a source of inspiration for what’s next in financial technology.
Insights on Leading Fintech Companies
Are you fascinated by the growth and impact of leading fintech companies? At Mobile Reality, we delve deep into the success stories and strategies of top players in the fintech industry. Our expertise in analyzing market trends and company innovations allows us to provide valuable insights into the factors driving the success of these companies. Our curated selection of reports offers a comprehensive look at key fintech companies, their technologies, and market strategies:
- Top 10 Fast-Growing Fintech Companies in the EU in 2024
- Top 10 Fast-Growing Fintech Companies in the US in 2024
- Top 10 Fast-Growing Fintech Companies in the UK in 2024
- Top Fintech Companies in New York in 2024
- Top InsurTech Companies in the UK in 2024
- Top Fintech Software Development Companies
- 10 fast-growing top fintech companies in the US in 2023
- 10 fast-growing top fintech companies in the UK in 2023
- Top 10 fast-growing fintech companies in the EU in 2023
Explore these detailed reports to gain a deeper understanding of the fintech sector's movers and shakers. Don't hesitate to contact our sales team if you have any questions or want to explore partnership opportunities. Those interested in joining our dynamic team can visit our careers page to submit their CVs. Join us in exploring the future of fintech and the companies shaping it!
