Best FinTech Companies in Johannesburg, South Africa
The 169 best FinTech companies in Johannesburg, South Africa in 2026, ranked by funding and momentum. Funding, investors, founders, valuation, tech stack and live signals. Top: VALR.
Our analysis of 1,006 FinTech companies
$195.5b in tracked funding; 96% of the stack-profiled cohort runs cloud-native; funding activity peaked in 2025.
Ranked: Best FinTech companies in Johannesburg
| # | Company | Disclosed funding | Last round | Stage | Founder | Founded | Tech stack | Recent signals |
|---|---|---|---|---|---|---|---|---|
| 1 | VALR App-based platform for cryptocurrency trading | $55M | 51 mo ago | Series B | Badi Sudhakaran Co-Founder & Chief Product Officer | 2018 | Cart FunctionalitySquarespace CommerceSquarespace+23 | 1 launch |
| 2 | Ozow Provider of payment solutions, including pay by bank and crypto payments | $52M | 55 mo ago | Series B | Thomas PAYS Co-Founder & CEO | 2005 | WordPressMySQLPHP+26 | 2 job openings |
| 3 | Naked AI-driven app that provides usage-based car insurance | $32M | 16 mo ago | Series B | Alex Thomson Co-Founder | 2016 | SentryZendeskApple iCloud Mail+24 | 2 job openings · 2 launchs |
| 4 | Pineapple App-based P&C insurance comparison platform for individuals | $27M | 31 mo ago | Series B | — | 2017 | TurbopackApple iCloud MailGoogle Workspace+36 | — |
| 5 | TymeBank Provider of the digital bank for individuals | $13M | 60 mo ago | Acquired | — | 2012 | WordPressMySQLPHP+25 | — |
| 6 | LittleFish Provider of software solutions for finance management | $10M | 4 mo ago | Series A | Davith Kahwa Co-Founder | 2021 | Cart FunctionalityWordPressApple iCloud Mail+25 | — |
| 7 | Ovex Institutional-grade custodian and cryptocurrency exchange platform | $4M | 62 mo ago | Series A | Jonathan Ovadia Founder & CEO | 2017 | TurbopackNode.jsTailwind CSS+19 | 1 launch |
| 8 | SAVA Expense management and card solutions for businesses | $2M | 47 mo ago | Seed | Federico Landesmann Co-Founder | 2021 | Node.jsRadix UITailwind CSS+10 | 1 launch |
| 9 | Akiba Digital Risk decisioning platform that empowers businesses to make faster, smarter, and more inclusive financial… | $1M | 59 mo ago | Seed | Tebogo Mokwena Co-Founder & CEO | 2017 | — | — |
| 10 | Affinity Health A range of health insurance products | $499K | 174 mo ago | Funding Raised | Murray Hewlett CEO | 2009 | WordPress Block EditorwpBakeryWordPress+38 | — |
| 11 | DIGITECH GROUP Provider of IT consulting and application development services | $330K | 51 mo ago | Seed | Alexandre N'djore Founder & CEO | 2016 | — | — |
| 12 | Fincheck Financial products comparison website | $288K | 81 mo ago | Seed | Christopher Ball Co-Founder | 2015 | Cart FunctionalityWooCommerceWordPress+23 | — |
| 13 | Athena Provider of medical payments management software for healthcare | $250K | 28 mo ago | Seed | Jabulani Nyembe Founder | 2022 | — | 3 partnerships |
| 14 | LeaseSurance Platform offering insurance solutions for rental real estate | $161K | 33 mo ago | Seed | Paul Schaefer Chief Executive Officer | 2020 | — | — |
| 15 | CreditAIs API-based alternative credit scores for small-sized businesses | $100K | 45 mo ago | Funding Raised | Sabelo Sibanda CEO | 2020 | — | — |
| 16 | Merge Online platform for connecting entrepreneurs & investors | $100K | 72 mo ago | Seed | Zander Matthee Co-Founder & CEO | 2019 | — | — |
Top 12 FinTech companies in Johannesburg
#1
Series A · Johannesburg, Gauteng · founded 2021$9.5Mraised▾
Provider of software solutions for finance management. It provides users with a fintech company's goal to empower and facilitate trade, especially for small, micro, and nano-business owners. It also aims to streamline the payment process for SMEs by embedding payment functionalities into their daily operations.
- Jan 2026Series A$9.5M
- Oct 2024Seed—
#2
Series B · Johannesburg, Gauteng · founded 2016 · 102 employees$31.8Mraised▾
AI-driven app that provides usage-based car insurance. It offers a chatbot for usage-based quotes and prices. It also offers roadside assistance services, claims approval, and more. Its app is available for iOS and Android platforms.
- Jan 2025Series B$38M
- Feb 2023Series B$17M
- Aug 2021Series A$11.1M
- Dec 2018Seed$2.2M
#3
Series B · Johannesburg, Gauteng · founded 2017 · 56 employees$27.2Mraised▾
App-based P&C insurance comparison platform for individuals. It offers quotes for home electronics equipment, bicycles, cameras, drones, furniture & appliances, phone, sports equipment, and more. It also offers claims assistance solutions. The app is available for Android and iOS platforms.
- Nov 2023Series B$21.3M
- Jul 2021Series A$5.4M
- Oct 2019Grant (prize money)$1.5M
- Dec 2018Seed$72.2K
#4
Series B · Johannesburg, Gauteng · founded 2018 · 11 employees$55Mraised▾
App-based platform for cryptocurrency trading. It uses AI and machine learning technology to validate the identity of the trader. It allows users to securely buy, store and sell cryptocurrencies.
- Mar 2022Series B$50M
- Jul 2020Series A$3.5M
- Feb 2019Seed$1.5M
#5
Series B · Johannesburg, Gauteng · founded 2005 · 147 employees$51.7Mraised▾
Provider of payment solutions, including pay by bank and crypto payments. The business facilitates payments, refunds, and payouts for businesses. It offers various payment options, including card payments, one-blink payments, and voucher redemption. The business also provides integrations and plugins for businesses.
- Nov 2021Series B$48M
- Jun 2019Series A—
#6
Acquired · Johannesburg, Gauteng · founded 2012 · 550 employees$13.3Mraised▾
Provider of the digital bank for individuals. It provides users with a platform where users can open an account online and get a debit card linked to the account. Users earn reward points on making payments via cards. It offers a savings tool GoalSave, that enables users to set up various savings goals.
- 2021Series A—
- Jun 2019Series A$13.3M
#7
Seed · Johannesburg, Gauteng · founded 2021 · 10 employees$2Mraised▾
Expense management and card solutions for businesses. It offers solutions for spending management, business card management, transaction management, collateral-free credit, and more. It also offers flexible repayment plans for users. Provides features including invoice management, business account, financing invoices, and more.
- Jun 2022Seed$2M
#8
Series A · Johannesburg, Gauteng · founded 2017$4Mraised▾
Institutional-grade custodian and cryptocurrency exchange platform. It offers a platform that enables users to buy, sell, exchange, and trade multiple cryptocurrencies. It offers services such as an OTC trading desk, deep liquidity for cryptocurrency markets, and more. It enables both institutional clients and everyday traders to trade cryptocurrencies.
- Apr 2021Series A$4M
- Apr 2019Seed—
#9
Seed · Johannesburg, Gauteng · founded 2022$250Kraised▾
Provider of medical payments management software for healthcare. It offers a platform for medical bill management that enables patients to pay for healthcare in monthly instalments for healthcare surgeries and procedures.
- Jan 2024Seed$150K
#10
Seed · Johannesburg, Gauteng · founded 2017 · 14 employees$1.1Mraised▾
Risk decisioning platform that empowers businesses to make faster, smarter, and more inclusive financial decisions. Its decisioning engine orchestrates alternative data, configurable workflows, and traditional data to streamline credit scoring, identity risk, and fraud detection — making it cost effective for lenders, fintechs, and other accountable institutions to digitally acquire and service excluded customer segmented across Africa. It empower small businesses and consumers to reach their financial goals.
- Jul 2021Seed$1.1M
#11
Seed · Johannesburg, Gauteng · founded 2020$161.4Kraised▾
Platform offering insurance solutions for rental real estate. It leverages insurance technology to replace security deposits with lease insurance in rental real estate, allowing tenants to pay a monthly deposit waiver fee along with their rent.
- Aug 2023Seed$161.4K
#12
Seed · Johannesburg, Gauteng · founded 2016$329.7Kraised▾
Provider of IT consulting and application development services
- Mar 2022Seed$329.7K
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
What Johannesburg researches in fintech
University of Johannesburg leads Johannesburg's fintech research, focusing on financial inclusion and digital adoption, with a cautiously contested tone—concerns outweighing advancements across 16 recent studies.
- University of Johannesburg16
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.