Best Digital Remittance Companies in United Kingdom
The 307 best Digital Remittance companies in United Kingdom in 2026, ranked by funding and momentum. Funding, investors, founders, valuation, tech stack and live signals. Top: Wise.
The United Kingdom's Digital Remittance sector has 307 tracked companies and $4.9B in total disclosed funding, and that number alone tells you this market is far past the experimental stage. Our directory ranks the best Digital Remittance companies in the United Kingdom by equity funding and recent momentum, with four unicorns in the mix. Rapyd leads at $778M raised, Zepz follows at $724M, and TransferGo has pulled in $109M. The global market behind all this sat at $21.2B in 2022 and is forecast to reach $37.9B by 2027, a 15.6% CAGR. Smartphone penetration and rising migrant flows are the structural engines here, not hype.
So what separates the durable players from the crowded middle? Regulatory pressure and fraud risk are real friction points, and I'd argue they're the quiet filter that's concentrating capital at the top of the funding distribution. Backers like IFC, Accel, and Y Combinator are placing conviction bets on a handful of operators built to absorb compliance costs. As one recent analysis notes, digital corridors into high-growth regions are where the next revenue pools are forming. If you're evaluating this sector, start with the funding figures and work backwards to the business model.
- ResearchAndMarkets.com
Ranked: Best Digital Remittance companies in United Kingdom
| # | Company | Disclosed funding | Last round | Employees | Founded | Founder | Tech stack | Market signals (1y) | Recent signals |
|---|---|---|---|---|---|---|---|---|---|
| 1 | Wise 🦄 Provider of international money transfer and multi-currency | $1.0B | 61 mo ago | 8 | 2011 | Kristo Kaarmann Co-Founder & CEO | Apple iCloud MailGoogle WorkspaceNode.js+26 | — | 1 job opening · 1 award |
| 2 | Rapyd 🦄 Provider of financial infrastructure for processing payments and issuing cards 93Fin. health top 20%Funding top 23%Tech top 23%Market top 24% All 10 signals ▾Fin. healthtop 20% Fundingtop 23% Techtop 23% Markettop 24% Growthtop 26% Moattop 26% Talenttop 28% Globaltop 33% Producttop 41% Newsbottom 27% Fin. health: Revenue ~$55.5M (FY2023) · Net margin 60.6% Funding: Raised $778M across 7 rounds · 7 rounds over 7 yrs (1.0/yr) rank vs industry peers · Fliar Intelligence Index 93/100 | $778M | 15 mo ago | 863 | 2016 | Omer Priel Co-Founder | WordPressProton MailApple iCloud Mail+46 | — | 1 award |
| 3 | Zepz 🦄 Provider of online platform facilitating international money transfers and related services 64Funding top 16%Growth top 35%Market top 41%Talent bottom 49% All 6 signals ▾Fundingtop 16% Growthtop 35% Markettop 41% Talentbottom 49% Globalbottom 48% Techbottom 47% Funding: Raised $724M across 5 rounds · 5 rounds over 6 yrs (0.8/yr) Growth: Fresh capital in last 24 mo rank vs industry peers · Fliar Intelligence Index 64/100 | $724M | 14 mo ago | — | 2010 | Barrie Morris CEO & CFO | WordPressMySQLPHP+22 | — | 1 award |
| 4 | WorldRemit Digital money transfer service sending funds quickly across borders | $624M | 84 mo ago | 263 | 2010 | Richard Igoe Co-Founder | ContentfulGetFeedbackApple iCloud Mail+34 | — | — |
| 5 | Zepz 🦄 App-based wallet for P2P cross-border payments | $517M | 20 mo ago | 1,400 | 2010 | Ismail Ahmed Co-Founder | PleskVimeoBootstrap+13 | 5 signals ▼72% Leadership · M&A · Funding | — |
| 6 | Currencycloud Provider of cross-border payment solutions and multi-currency payment infrastructure | $187M | 76 mo ago | 81 | 2007 | — | WordPressApple iCloud MailMySQL+25 | — | — |
| 7 | Currencies Direct Online cross-border remittance platform for individuals and businesses | $184M | 51 mo ago | 108 | 1996 | Arnaud Loiseau CEO | Apple iCloud MailSalesforcePHP+21 | — | — |
| 8 | Ebury Provider of global payment solutions, currency risk management, and business lending | $118M | 29 mo ago | 1,057 1,057 → 2,031 (+92%) | 2009 | Juan Lobato Co-Founder & CEO | WordPressApple iCloud MailGoogle Workspace+30 | 6 signals ▼45% Announcements · Funding · New product | 1 launch · 1 expansion |
| 9 | TransferGo Cross-border remittance solution for consumers and businesses | $109M | 13 mo ago | 321 | 2012 | Daumantas Dvilinskas Co-Founder & CEO | WordPress Site EditorWordPressApple iCloud Mail+22 | — | 2 partnerships |
| 10 | TerraPay Omnichannel payment solution for cross-border money transfers | $100M | 23 mo ago | 441 441 → 747 (+69%) | 2014 | Ram Sundaram Co-Founder & COO | WordPressApple iCloud MailMicrosoft 365+33 | — | 1 award |
| 11 | Taptap Send App-based digital wallet for cross-border money transfers | $80M | 53 mo ago | 197 | 2018 | Fatimatou Ousmanou Co-Founder | WebflowApple iCloud MailGoogle Workspace+22 | — | 1 expansion · 1 award |
| 12 | Azimo Banking channel for cross-border money transfers | $69M | 76 mo ago | 164 | 2012 | — | Apple iCloud MailGoogle WorkspaceAmazon Web Services+4 | — | — |
| 13 | LemFi Provider of global money transfer and multi-currency wallet services 60Customers top 13%Funding top 21%Innovation top 28%News top 41% All 11 signals ▾Customerstop 13% Fundingtop 21% Innovationtop 28% Newstop 41% Producttop 43% Growthtop 45% Moattop 48% Marketbottom 49% Talentbottom 49% Globalbottom 39% Techbottom 35% Customers: App rating 4.8★ (21,856 reviews) · Marquee-customer mentions: top 30% of tracked companies Funding: Raised $65.7M across 4 rounds · 4 rounds over 3 yrs (1.3/yr) rank vs industry peers · Fliar Intelligence Index 60/100 | $66M | 1 mo ago | 91 | 2020 | Rian Cochran Co-Founder | EnvoyAmazon Web Servicescore-js+4 | 10 signals ▼33% New product · Funding · Regulatory | 1 job opening |
| 14 | AZA Finance Software for cross-border remittance and forex management | $42M | 61 mo ago | 222 | 2013 | Elizabeth Rossiello Founder & CEO | WordPressApple iCloud MailGoogle Workspace+27 | — | — |
| 15 | WeSwap Multi-currency travel card & mobile wallet | $36M | 83 mo ago | 42 | 2010 | — | WordPressMySQLPHP+10 | — | — |
| 16 | Sokin App-based payment cards for Forex 48Tech top 19%Funding top 27%News top 36%Growth top 40% All 10 signals ▾Techtop 19% Fundingtop 27% Newstop 36% Growthtop 40% Moattop 48% Producttop 49% Partnersbottom 43% Talentbottom 41% Globalbottom 37% Marketbottom 28% Tech: 60 technologies across 6/8 capability areas · Cloud: Amazon Cloudfront, Amazon S3 Funding: Raised $31.0M across 4 rounds · 4 rounds over 5 yrs (0.8/yr) rank vs industry peers · Fliar Intelligence Index 48/100 | $31M | 4 mo ago | 11 | 2019 | Vroon Modgill Founder and CEO | Webflow EcommerceCart FunctionalityWebflow+30 | 16 signals Funding · Contracts · Leadership | 1 job opening · 1 launch · 1 partnership |
| 17 | Navro Cross-border invoice payment solution for businesses | $21M | 13 mo ago | — | 2022 | Ed Addario Co-Founder | WordPressApple iCloud MailGoogle Workspace+24 | 5 signals ▲150% Regulatory · New product · Leadership | — |
| 18 | M3 Payments Online platform for SMEs to make international payments. | $17M | 58 mo ago | 2 | 2016 | — | — | — | — |
| 19 | DiPocket Digital wallet and prepaid card for global and local payments | $14M | 50 mo ago | 10 | 2014 | Pavel Pokhylchenko Co-Founder & CTO | WordPress Block EditorWordPressMySQL+22 | — | — |
| 20 | Bankable White Label solution for payments | $12M | 85 mo ago | 6 | 2010 | Eric Mouilleron Founder | WordPressApple iCloud MailGoogle Workspace+31 | — | — |
| 21 | Earthport Financial services organization specializing in cross-border payments | $10M | 156 mo ago | 231 | 1997 | — | — | — | — |
| 22 | Remiton Cross-border remittance solution for consumers and businesses | $10M | 41 mo ago | — | 2022 | — | — | — | — |
| 23 | pawaPay Cross-border payment solution for businesses | $9M | 57 mo ago | 2 | 2020 | — | MintlifyZendeskNode.js+15 | — | — |
| 24 | 3S Money Payment solutions for cross-border merchants | $8M | 62 mo ago | 30 | 2013 | — | StoryblokApple iCloud MailMicrosoft 365+28 | — | 1 launch |
| 25 | Atlantic Money Provider of international money transfer services with flat fee and live rates | $8M | 46 mo ago | 4 | 2021 | — | RubyRuby on RailsEnvoy+18 | — | — |
| 26 | Spoko App-based wallet for cross-border money transfers | $7M | 62 mo ago | 2 | 2017 | Alex Horlach Co-Founder | WordPressMySQLPHP+16 | — | — |
| 27 | nsave Multi-currency accounts and investment service provider 53Growth top 29%Customers top 31%Tech top 36%Innovation top 40% All 11 signals ▾Growthtop 29% Customerstop 31% Techtop 36% Innovationtop 40% Fundingtop 42% Moattop 48% Talentbottom 49% Productbottom 47% Globalbottom 45% Marketbottom 28% Newsbottom 18% Growth: Web rank 500,000 → 1,000,000 YoY · App-install growth +285% YoY Customers: Play-Store rating 4.29★ across 4,075 ratings (1 apps) rank vs industry peers · Fliar Intelligence Index 53/100 | $4M | 17 mo ago | 6 | 2022 | Amer Baroudi Co-Founder & CEO | SentryNode.jsRadix UI+15 | — | — |
| 28 | Freemarket Provider of multi-currency accounts and foreign exchange for regulated industries | $4M | 36 mo ago | 45 | 2010 | Alex Hunn Founder & CEO | HubSpot CMS Hubcore-jsjQuery+18 | — | — |
| 29 | DKK Global payments platform focused on individuals & businesses | $4M | 22 mo ago | 26 | 2020 | — | WordPressMySQLPHP+21 | — | — |
| 30 | Due Cross-border payment network and currency exchange solution for businesses | $3M | 10 mo ago | — | 2022 | Robert Sargsian Co-Founder | WebflowGSAPLenis+13 | — | 1 launch · 1 partnership |
| 31 | Kapaga Cross-border remittance solution for businesses | $3M | 56 mo ago | 3 | 2020 | Leonid Prujanski Co-Founder | — | — | — |
| 32 | Riva Blockchain-based solutions for international payments | $3M | 10 mo ago | — | 2005 | Mahendra S Katoch Co-Founder & CTO | TurbopackFirebaseApple iCloud Mail+16 | — | — |
| 33 | SatoshiPay Micro payment platform for businesses 29Innovation top 23%Talent top 28%Product top 43%Funding bottom 47% All 8 signals ▾Innovationtop 23% Talenttop 28% Producttop 43% Fundingbottom 47% Globalbottom 39% Techbottom 21% Marketbottom 18% Newsbottom 18% Innovation: 6 product lines · Deep-tech classification: Blockchain Talent: 3 named leaders on record · 3 C-suite/founder profiles curated rank vs industry peers · Fliar Intelligence Index 29/100 | $3M | 8 mo ago | 2 | 2014 | Alexander Wilke Co-Founder & CEO | — | — | — |
| 34 | HedgeWiz Cloud-based currency risk management solutions for businesses | $2M | 51 mo ago | 18 | 2016 | Adam Reuter Co-Founder & Chairman | WordPressUptimeRobotMySQL+32 | — | — |
| 35 | Midpoint Peer to peer Foreign Exchange and International Payments Platform | $2M | 103 mo ago | 7 | 1998 | David Wong CEO | — | — | — |
| 36 | Money Mover Foreign currency exchange and global payment services | $2M | 109 mo ago | 5 | 2013 | Hamish Anderson CEO | SentryHelp ScoutPython+26 | — | — |
| 37 | PagoFX Diversified cross-border money transfer platform | $2M | 23 mo ago | 46 | 2019 | — | — | — | — |
| 38 | Caxton FX Payment management and cards solutions for individuals and businesses | $2M | 54 mo ago | 65 | 2002 | — | — | — | — |
| 39 | SimbaPay Cross-border payment solution for businesses | $2M | 59 mo ago | 2 | 2013 | Nyasinga Onyancha Co-Founder & CEO | WeeblyMySQLPHP+25 | — | — |
| 40 | Zazuu Cross-border payment solution for businesses and individuals | $2M | 47 mo ago | 4 | 2018 | Tosin Ekolie Co-Founder & CTO | — | — | — |
| 41 | Rhemito Online money transfer platform | $2M | 119 mo ago | 2 | 2015 | Ropo Akin Founder & CEO | — | — | — |
| 42 | TransGlobal Payment Solutions Global payment solution provider | $1M | 194 mo ago | 1 | 2007 | — | — | — | — |
| 43 | Senditoo Cross-border credit transfer solution to phones worldwide. | $1M | 101 mo ago | 2 | 2016 | Thabani Gonesi CEO | — | — | — |
| 44 | ACCT.com Cross-border money transfers platform for businesses | $1M | 48 mo ago | 1 | 2001 | — | Chart.jsNginxSwiper+4 | — | — |
| 45 | FXcompared Money Transfer Comparison Site | $638K | 65 mo ago | 8 | 2005 | Daniel Webber Founder & CEO | Concrete CMSPHPUbuntu+8 | — | — |
| 46 | Spendology Cross-border money transfer solutions for travel operators | $531K | 32 mo ago | 14 | 2015 | Martin Taylor Managing Director | — | — | — |
| 47 | FTFT PAY Cross-border money transfer solution for consumers | $515K | 37 mo ago | 9 | 2020 | — | — | — | — |
| 48 | Unison Global Markets Provider of multi-currency accounts, global payments, and banking solutions | $397K | 54 mo ago | — | 2020 | John Doe CEO | — | — | — |
| 49 | Blackthorn Cross-border money transfer platform for businesses | $311K | 25 mo ago | — | 2018 | — | — | — | — |
| 50 | Remittance360 Banking channel platform for individuals | $152K | 24 mo ago | — | 2019 | Viktor Riazanov Co-Founder & Product Owner | — | — | — |
Top 12 Digital Remittance companies in United Kingdom
#1
Series B · London, England · founded 2020 · 91 employees$65.7Mraised▾
Provider of global money transfer and multi-currency wallet services. It offers digital wallets that allow users to hold, convert, and send funds globally across supported regions. It enables fast and cost-efficient remittances to multiple countries, supporting transfers to bank accounts and other payout methods while offering competitive exchange rates and low or zero transfer fees. It also provides additional financial features such as virtual cards, mobile-based money management, and optional connectivity services like eSIM access for global travelers.
- May 2026Series B—
- Oct 2024Series B$53M
- Aug 2023Series A$33M
- Nov 2021Seed$725K
#2
Rapyd 🦄Series F · London, England · founded 2016 · 863 employees$778Mraised▾
Provider of financial infrastructure for processing payments and issuing cards. This platform enables businesses to accept various payment methods, manage multi-currency accounts, and facilitate cross-border fund transfers. It provides tools for virtual account management, payout distribution, and card issuance. The infrastructure integrates into existing applications to support commerce and financial operations.
- Mar 2025Conventional Debt$250M
- Mar 2025Series F$250M
- Aug 2021Series E$300M
- Jan 2021Series D$300M
#3
Zepz 🦄Series F · London, England · founded 2010$724.2Mraised▾
Provider of online platform facilitating international money transfers and related services. It offers solutions for individuals to send money to recipients. The platform focuses on providing accessible options for users. It builds solutions to address customer needs in the money transfer sector.
- Apr 2025Conventional Debt$165M
- Oct 2024Series F$267M
- Jul 2022Series E$17.3K
- Aug 2021Series E$292M
#4
Series B · London, England · founded 2019 · 11 employees$31Mraised▾
App-based payment cards for Forex. It offers an NFC-enabled prepaid card that enables users to exchange multiple currencies and perform global payments. It features IBAN accounts, virtual wallets, and more. The application is available on Android and iOS platforms. The application is available on Android and iOS platforms.
- Jan 2026Conventional Debt$100M
- Dec 2025Series B$50M
- Jan 2025Conventional Debt$15M
- Jul 2024Series A$31M
#5
Series C · London, England · founded 2012 · 321 employees$109.2Mraised▾
Cross-border remittance solution for consumers and businesses. It allows consumers and businesses to transfer money and funds across borders. Users can transfer funds using cash deposits, bank transfers, and ATMs. Features APIs to manage transactions, access current pricing, and market trends and insights.
- Apr 2025Series C$37.9K
- Apr 2024Series C$10M
- Sep 2021Series C$50M
- Nov 2020Conventional Debt$5.3M
#6
Zepz 🦄Series B · London, England · founded 2010 · 1400 employees$516.8Mraised▾
Developer of an online money transfer platform intended to help people to send money to friends and family living abroad. The company's software provides international transfers to mobile money accounts where a customer's phone numbers act as a bank account to hold funds, enabling users to send money conveniently and securely with low processing fees.
#7
Series B · London, England · founded 2022$20.5Mraised▾
Cross-border invoice payment solution for businesses. Offers solutions to move money across borders, receive funds into local accounts, minimise FX fees, streamline reconciliation, and speed up settlement times so that businesses can smoothly navigate its growth into new markets. Provides cross-border payouts and collections, navigate growth into new markets, settling and paying in local currency, leverage real-time and same-day settlement, and more.
- Apr 2025Series B$41M
- Feb 2024Series A$14M
- Mar 2023Series A$18.3M
- May 2022Seed$6.5M
#8
Acquired · London, England · founded 2014 · 441 employees$100Mraised▾
Omnichannel payment solution for cross-border money transfers. Its services interconnect mobile wallet service providers, financial institutions, and money transfer operators in sending and receiving markets. It is platform agnostic and supports standard open APIs for integration with multiple service providers.
- Jul 2024Conventional Debt$95M
- Apr 2023Conventional Debt—
- Apr 2023Series B$100M
- Feb 2021Conventional Debt$20M
#9
Seed · London, England · founded 2014 · 2 employees$2.8Mraised▾
SatoshiPay is a micropayments platform for businesses. It features tools to processes nano payments of 1c or less and enable content providers to monetize their digital goods in completely new ways. It works without software download or sign-up for the user. Payments are instant and the user's wallet balance is available on each website that integrates the widget.
- Oct 2025Seed$292.5K
- Feb 2025Seed$887.9K
- Feb 2025Grant (prize money)—
- May 2020Seed$550K
#10
Seed · London, England · founded 2022$3.3Mraised▾
Cross-border payment network and currency exchange solution for businesses. Enables to accept payments across multiple networks from e-commerce, gaming and entertainment, travel and hospitality, import and export platforms to marketplaces, and more. Provides a way to pay, get paid, exchange, and send money with borderless decentralized multi-currency accounts.
- Jul 2025Seed$7.3M
- Nov 2023Seed$3.3M
#11
Seed · London, England · founded 2005$3Mraised▾
Blockchain-based solutions for international payments. It combines the innovation of blockchain and stablecoins with traditional payment infrastructure at speed, security, and transparency in cross-border transactions. It enables businesses to send and receive instant payments.
- Aug 2025Seed$3M
#12
Acquired · London, England · founded 2009 · 1057 employees$118.5Mraised▾
Provider of global payment solutions, currency risk management, and business lending. It offers a platform to pay, collect, and convert currencies. The company provides tools for managing currency fluctuations and optimising profit margins. It also facilitates access to credit lines for funding purchases and scaling operations.
- Dec 2023Series C$1.9M
- Apr 2022Series C$75.4M
- Aug 2021Series C$45.8M
- Sep 2020Grant (prize money)$12.8M
Funding & investor landscape
Notable founders
Market landscape — 10 sub-themes by coverage
Share of Digital Remittance coverage by sub-theme.
Regulatory-risk over time rising
Funding & growth over time
funding rising · growth rising
How research on Digital Payments is moving in the United Kingdom
A read on the academic research around Digital Payments — which themes are gaining ground, the institutions and researchers driving them, and how the tone is shifting. Based on 498 United Kingdom-affiliated papers.
- University of Oxford37
- Brunel University of London25
- University College London24
- London School of Economics and Political Science18
- Swansea University13
- Mobile payment8→14
- Mobile device1→6
- Database transaction1→4
- Mobile payment29→50
- Marketing4→12
- Developing country1→8
- Financial services1→5
- Financial inclusion2→6
- Financial inclusion7→18
- Financial services8→14
- Developing country1→7
- Inclusion (mineral)1→7
- Financial transaction1→7
Where digital payments is researched across United Kingdom
Location clusters by institution affiliation — each city's volume, stance tone, and a quick read on its hot topic, what's advancing, the opening opportunity, and the main concern.
Who's filing digital payments patents in the United Kingdom
United Kingdom digital payments patent filing is cooling — 117 filings from 156 assignees (2016–2025), led by VISA Europe, Gelliner, Mastercard International; annual filings 18→6.
- VISA Europe47
- Gelliner41
- Mastercard International20
- Barclays BANK17
- Garrett Duncan10
- Payfont10
- VAN DE Velde EDDY Lodewijk HOR9
- Smets Patrik9
Common questions
Riya reads income statements for fun. She covers the real money in a sector — revenue, growth, who actually earns — and never met a vague claim she didn't want a number for.