Best FinTech Companies in Cardiff, United Kingdom
The 43 best FinTech companies in Cardiff, United Kingdom in 2026, ranked by funding and momentum. Funding, investors, founders, valuation, tech stack and live signals. Top: Coincover.
Biggest earners Jcb ($7.4B, -11% YoY), Marex ($2.0B, +11% YoY), Plus500 Ltd. ($792M, +3% YoY), Capital Limited ($346M, -1% YoY)
Our analysis of 55 FinTech companies
$15.5b in tracked funding; 100% of the stack-profiled cohort runs cloud-native; funding activity peaked in 2025.
Ranked: Best FinTech companies in Cardiff
| # | Company | Disclosed funding | Last round | Stage | Employees | Founder | Tech stack | Recent signals |
|---|---|---|---|---|---|---|---|---|
| 1 | 118118Money Online unsecured personal loans provider | — | — | Unfunded | 99 99 → 142 (+43%) | David Goodman Chief Executive Officer | BootstrapAmazon Web ServicesCloudflare+19 | 10 job openings |
| 2 | Accelerate My Mortgage Online platform offering homeowners save time and money by taking years off their mortgage | — | — | Funding Raised | 2 | — | — | — |
| 3 | ActiveQuote Online insurance broker that offers a comparison tool | — | — | Acquired | 135 135 → 92 (-32%) | — | ZURB FoundationBootstrapMicrosoft ASP.NET+23 | — |
| 4 | Affinity Financial First Time Buyer Mortgage Advice | — | — | — | — | — | — | — |
| 5 | AppToPay Online platform offering buy now pay later POS financing loans for consumers | — | — | Acquired | 1 | — | — | — |
| 6 | Bell Provider of telematics-based auto insurance platform | — | — | Funding Raised | — | David Stevens CEO | MUIReactJSS+12 | — |
| 7 | Confused.com App-based comparison platform for life and P&C insurances | — | — | Public | 490 490 → 260 (-47%) | — | SentryApple iCloud MailGoogle Workspace+19 | — |
| 8 | Credas Provider of digital identity verification solution | — | — | Acquired | — | Timothy Barnett CEO | WordPressApple iCloud MailMicrosoft 365+33 | 1 partnership |
Top 12 FinTech companies in Cardiff
#1
Seed · Cardiff, Wales · founded 2018$1.9Mraised▾
Shared expense management solution for individuals. Provides service that allows supporters to see their own bank transactions and support one account holder. Supplies information needed to keep someone financially independent, sends email alerts about spending and view recent bank transactions without logging into their bank account, discuss any unusual spending and keep watch over account activity, works alongside existing bank accounts and requires no new cards or change of bank, and more.
- Feb 2026Seed$13.5K
- Mar 2025Seed$799.6K
- Sep 2023Seed$1.9M
- Sep 2022Seed$400K
#2
Seed · Cardiff, Wales · founded 2022$1.7Mraised▾
Provider of open finance platform aggregating bank data and document extraction. The platform offers a single API for accessing banking, insurance, mortgage, and investment data. It supports data collection from open banking, statements, payslips, utility bills, and emails. The platform employs artificial intelligence for data extraction and enhancement. It detects document tampering and alerts users to potential risk factors.
- Mar 2026Seed$1.7M
#3
Seed · Cardiff, Wales · founded 2021$675.5Kraised▾
Operator of a platform for trading physical precious metals online. It facilitates buying, selling, and managing allocated metals. The platform offers features such as conditional orders, portfolio valuation, and global vault options. It aims to provide access to deep liquidity and institutional pricing for precious metals.
- Apr 2026Seed$675.5K
#4
Series B · Cardiff, Wales · founded 2018 · 8 employees$41.7Mraised▾
Provider of digital asset security, fraud detection, and wallet recovery. They offer solutions for institutions and individuals to protect digital assets. The company provides real-time monitoring and scanning of transactions for malicious activity. They also offer wallet key security and recovery services.
- Feb 2023Series B$30M
- Jul 2021Series A$9.2M
- Jul 2020Seed$2M
- Dec 2018Seed$504.1K
#5
Series C · Cardiff, Wales · founded 2012 · 53 employees$32.1Mraised▾
myPinPad provides the ability to securely collect and manage PINs on smart phones, and tablets to help authenticate transactions. The myPINpad Authentication Service enables consumers to use their regular card PIN for secure authentication at checkout. The convenience of using PIN authentication rather than alternative password entry minimises transaction abandonment. The platform can be used for multiple services as authenticating digital payments, issuing/managing PIN services, authenticating mPoS payments, cardless ATM withdrawals, mobile commerce and payment acceptance devices.
- Jun 2023Series C$13M
- Oct 2018Series B$19.1M
#6
Seed · Cardiff, Wales · founded 2021$786.6Kraised▾
AI-powered driving insurance app. It monitors and records various driving criteria to build an accurate picture of the user's driving habits.
- Feb 2025Seed—
- Apr 2022Seed$786.6K
#7
Seed · Cardiff, Wales · founded 2022$612.5Kraised▾
Internet first bank through partnership offering retail banking. It offers financial products like accounts, debit cards, and more that is tackling climate change. Its app is available on the website.
- Feb 2025Seed$1.2M
- Oct 2023Seed$612.5K
#8
Acquired · Cardiff, Wales · founded 2014 · 57 employees$15.5Mraised▾
Provider of alternative investment infrastructure and technology solutions. It offers a configurable platform for managing the investment lifecycle, encompassing client experience, governance, and workflows. Additionally, it develops investment vehicles to streamline access to alternative investment products for clients. The company also provides bespoke digital transformation services and interconnected white-label platforms for syndication and distribution of investments. These services aim to enhance efficiency and compliance for firms in the alternative investment sector.
- Mar 2022Series A$8.3M
- Mar 2020Series A$1.2M
- Jul 2019Series A$2.8M
- Nov 2017Series A$1.3M
#9
Series A · Cardiff, Wales · founded 2012 · 19 employees$12.7Mraised▾
Provider of a research management platform for investment management firms. The platform centralizes research from various sources, structures data, and facilitates team collaboration. It offers tools to analyze information, track workflows, and leverage collective intelligence. The platform is tailored for asset managers, asset owners, consultants, and advisors. It also provides data storage solutions designed to adhere to security standards.
- Jan 2019Series A$7M
- Jun 2016Seed$4.2M
- Nov 2014Seed$1.5M
#10
Acquired · Cardiff, Wales · founded 2011 · 32 employees$10Mraised▾
W2 Global Data is a provider of structured international data, software, and services, helping clients to make decisions about the people and organizations they are interacting with through web-based online screening tools. Its product range includes SAVI, a real time AML and customer due diligence tracker KYCchecker, enabling real-time ID verification of consumer and corporate customers around the globe AMLchecker enabling verification of UK customers in line with the latest EU Money Laundering Directive, BSMART, enables to stay up to date by continuously cross-referencing database against a number of datasets and Liveboat, a stand-alone, completely self-sufficient KYC service that runs autonomously from any of our other services, even operating from a disparate, ring-fenced remote hosting centre. Apart from financial institutions, they also provide services to retail, security, real estate and few other sectors.
- Oct 2018Series A$4M
- Jul 2018Series A$1.7M
- Apr 2017Series A—
- Dec 2015Seed$861.6K
#11
Seed · Cardiff, Wales · founded 2021 · 16 employees$1.6Mraised▾
Blockchain token backed by real estate assets. It facilitates automated market makers for providing liquidity to secondary real estate token trading. During the IRO period, users can commit interest to own a fraction of the real estate by staking USDC in the commit pool.
- May 2022Seed$617.6K
- Sep 2021Seed$1M
#12
Seed · Cardiff, Wales · founded 2015 · 7 employees$2.1Mraised▾
White-label prepaid cards provider
- May 2021Angel$2.1M
Funding & investor landscape
Notable founders
Market landscape — 10 sub-themes by coverage
Share of FinTech coverage by sub-theme.
Regulatory-risk over time rising
Funding & growth over time
funding rising · growth rising
How research on Fintech is moving in the United Kingdom
A read on the academic research around Fintech — which themes are gaining ground, the institutions and researchers driving them, and how the tone is shifting. Based on 292 United Kingdom-affiliated papers.
- Department of Finance16
- University College London12
- University of Oxford12
- University of Greenwich8
- Durham University7
- Credit risk4
- Financial services3
- Scalability3
- Digital currency3
- Analytics3
- Financial services2→34
- Financial inclusion1→12
- Mobile payment1→4
- Financial services5→59
- Financial inclusion1→25
- Payment1→22
- Financial innovation2→8
- Blockchain1→5
Where fintech 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 fintech patents in the United Kingdom
United Kingdom fintech patent filing is cooling — 4 filings from 3 assignees (2020–2024), led by Unlisted, IL Marchese Diamonds, Obrien Patrick Damien; annual filings 2→1.
- Unlisted2
- IL Marchese Diamonds1
- Obrien Patrick Damien1
Common questions
Rohit lives in the feed. He covers what's moving right now — the funding rounds, launches and shifts breaking across the trade press — and ties them back to where the sector is heading.