Best FinTech Companies in New Zealand
The 332 best FinTech companies in New Zealand in 2026, ranked by funding and momentum. Funding, investors, founders, valuation, tech stack and live signals. Top: Xero.
New Zealand's FinTech sector has 332 companies and $871M in disclosed funding tracked here, ranked by equity raised and recent momentum. No unicorns yet, but the capital is concentrated where you'd expect it: Xero sits at $369M, Laybuy at $159M, and Hnry at $54M, with the rest of the field trailing well behind those three.
That gap tells you something real about the market's shape. Globally, FinTech revenue is forecast to climb from roughly $113.4B in 2025 to $461.6B by 2034, a 17.21% CAGR according to IMARC Group, and New Zealand's players are positioning inside that current: next-gen banking platforms, cloud-based infrastructure, and digital banking innovations are the hot themes drawing investor attention right now. The most active backers here, Icehouse Ventures and New Zealand Growth Capital Partners among them, are placing bets accordingly. Stringent government regulations add friction, but I'd argue they're also filtering out the noise, leaving the better-capitalized operators standing. So what does $871M spread across 332 companies actually buy? Mostly proof that the market's still early, and the distance between Xero's funding line and the median filer is where the real story lives.
- Statista
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 New Zealand
| # | Company | Disclosed funding | Last round | Employees | Founder | Tech stack | Web popularity | Recent signals |
|---|---|---|---|---|---|---|---|---|
| 1 | Xero Provider of accounting software and related tools for business management | $369M | 110 mo ago | 347 | Rod Drury Founder | Amazon WebstoreApple iCloud MailGoogle Workspace+39 | Top 50k | — |
| 2 | Laybuy App-based platform for point of sale financing | $159M | 61 mo ago | 43 | Robyn Rohloff Co-Founder | — | — | — |
| 3 | Sharesies Micro investing and savings platform | $65M | 55 mo ago | 173 | Sonya Williams Co-CEO | Node.jsReactNext.js+22 | Top 500k | — |
| 4 | Harmoney Online P2P platform for personal loans | $56M | 77 mo ago | 169 | Neil Roberts Founder | HubSpot CMS HubApple iCloud MailGoogle Workspace+29 | Top 1M | 1 award |
| 5 | Hnry Tax and accounting automation software for sole traders | $54M | 6 mo ago | 100 | James Fuller Co-Founder & CEO | Apple iCloud MailGoogle WorkspaceChart.js+35 | Top 1M | — |
| 6 | Easy Crypto Cryptocurrency trading platform for business, trusts, and self-managed super funds | $29M | 46 mo ago | 74 | Janine Grainger Co-Founder & CEO | Cart FunctionalityShopifyBack In Stock+31 | Top 500k | — |
| 7 | First AML KYC & AML solutions for multiple sectors | $27M | 55 mo ago | 114 | Milan Cooper Co-Founder & CEO | RubyRuby on RailsEnvoy+18 | Top 5M | — |
| 8 | Tradify Provider of job management software for trade businesses and contractors | $10M | 62 mo ago | 109 | Sebastián Šooš FOUNDER | SentryZendeskRaygun+35 | Top 500k | — |
| 9 | Dosh App-based wallet platform for individuals | $9M | 50 mo ago | 9 | James Mceniery Co-Founder Dosh NZ | Webflow EcommerceWebflowEmotion+21 | Top 5M | — |
| 10 | FileInvite Provider of encrypted document collection software | $8M | 47 mo ago | 47 | James Sampson Founder & CEO | HubSpot CMS HubEnvoyAmazon Web Services+21 | Top 5M | 3 launchs |
| 11 | Spotlight Reporting Performance reporting software for accountants and SMBs | $8M | 117 mo ago | 61 | Richard Francis Founder & CEO | WebflowSalesforceTypekit+19 | Top 5M | 2 launchs |
| 12 | Emerge Provider of a digital-first banking alternative for small and medium-sized enterprises | $7M | 20 mo ago | — | Jamie Jermain Co-Founder | Webflowcore-jsjQuery+14 | Top 5M | 1 partnership |
| 13 | APLY Identity verification solution for anti money laundering and KYC solutions | $5M | 55 mo ago | 34 | Claudia Smith Co-Founder & Co-CEO | SanityApple iCloud MailMicrosoft 365+29 | Top 5M | — |
| 14 | ENS DAO Decentralized autonomous organization governing the ENS protocol | $5M | 25 mo ago | — | Nick Johnson Founder | Cloudflare | Top 50M | — |
| 15 | Lifetime Retirement Income Retirement investment management firm | $5M | 94 mo ago | 14 | Ralph Stewart Co-Founder | YouTubeMicrosoft ASP.NETBootstrap+19 | Top 5M | 1 award |
| 16 | Javln Provider of business software applications | $5M | 47 mo ago | 95 | Dale Smith Founder & CEO | UbuntuApache HTTP ServerAmazon Web Services+1 | Top 50M | — |
| 17 | 0XNODES Cross-chain yield aggregation protocol | $4M | 61 mo ago | 4 | — | — | — | — |
| 18 | LCT Software for lender compliance | $4M | 59 mo ago | 12 | — | — | — | — |
| 19 | Unvest Cross-chain marketplace for locked and NFT crypto tokens | $4M | 57 mo ago | 3 | — | SentryNode.jsReact+11 | Top 5M | — |
| 20 | Konnect Net Provider of information exchange platform for insurers | $4M | 164 mo ago | 16 | — | WordPressMySQLPHP+24 | Top 50M | — |
| 21 | Akahu Payment management and verification solutions for businesses | $3M | 32 mo ago | 7 | — | WebflowHubSpotcore-js+13 | Top 5M | — |
| 22 | Caruso Provider of fund administration software and outsourced services for private markets | $3M | 2 mo ago | — | Ollie Shaw Co-Founder & Co-CEO | SanityNode.jsRadix UI+25 | Top 10M | 1 job opening · 5 launchs |
| 23 | MetaDojo NFT-based trading platform for digital games | $3M | 52 mo ago | 11 | Echo Guo CEO | — | — | — |
| 24 | LatiPay Payment acceptance solutions for New Zealand merchants targeting Chinese customers | $3M | 112 mo ago | 25 | Fong Gan Co-Founder | WordPress Block EditorwpBakeryElementor+26 | Top 50M | 2 awards |
| 25 | Figured Cloud-based software for farm planning and accounting management | $2M | 102 mo ago | 78 | Andrew Watters Co-Founder | HubSpot CMS HubApple iCloud MailGoogle Workspace+26 | Top 5M | 1 launch · 1 partnership |
| 26 | Jasper Online investment platform for real estate | $2M | 81 mo ago | 26 | Mark Campbell Co-Founder | SanityNode.jsstyled-components+22 | Top 50M | 1 job opening |
| 27 | Kernel Technology focused investment management firm | $2M | 66 mo ago | 31 | Dean Anderson Founder & CEO | SanityApple iCloud MailMicrosoft 365+20 | Top 500k | 2 job openings · 1 expansion · 1 award |
| 28 | Simfuni Simfuni is an AI-powered operational platform for life insurers that unifies policy servicing, billing… | $2M | 35 mo ago | 1 | Shaun Quincey Co-Founder & CEO | — | — | 1 launch · 1 award |
| 29 | Cryptopia Cryptocurrency exchange | $2M | 23 mo ago | 17 | — | OutSystemsWindows ServerMicrosoft ASP.NET+10 | Top 5M | — |
| 30 | Supergenerous Online platform to a claim tax rebate for the donation to charity | $1M | 60 mo ago | 12 | Franco Sabadini Co-Founder | — | — | — |
| 31 | 1Centre Provider of a trade credit customer onboarding platform | $1M | 108 mo ago | 15 | Miriama Lowrie Founder & CEO | WordPress Block EditorWordPressMySQL+18 | Top 5M | — |
| 32 | Single Yield farming and trading platform for cryptocurrency | $1M | 54 mo ago | 1 | — | — | — | — |
| 33 | PledgeMe New Zealand based equity as well as project crowdfunding plarform | $1M | 94 mo ago | 9 | Anake Goodall Co-Founder | Cart FunctionalityContentfulRuby+39 | Top 5M | — |
| 34 | Common Ledger Data standardization for Accountants | $1M | 134 mo ago | 12 | Carlos Chambers Co-Founder & CEO | — | — | — |
| 35 | GoGenerosity Cloud-based solution for donation payments | $903K | 56 mo ago | 13 | Rohan Mccloskey Co-Founder & CEO | — | — | — |
| 36 | Wych Provider of open banking API solutions for data holders and recipients | $866K | 8 mo ago | 6 | — | — | — | 1 job opening |
| 37 | Acala Network Smart contract platform for decentralized projects on polkadot | $650K | 55 mo ago | 2 | Ruitao Su Co-Founder | Chakra UIReactEmotion+14 | Top 5M | — |
| 38 | Genoapay Buy now pay later financing provider | $500K | 110 mo ago | 2 | — | — | — | — |
| 39 | MyBitcoinSaver Browser-based hot wallet solutions for cryptocurrency | $400K | 103 mo ago | — | Katie Graham Co-Founder | — | — | — |
| 40 | MyCryptoSaver Online exchange platform for cryptocurrency | $400K | — | — | Sam Blackmore Founder & CEO | — | — | — |
| 41 | AlphaCrowd Equity crowdfunding platform for digital and technology businesses. | $380K | 115 mo ago | 5 | Bart W. Janowski Founder & Director | — | — | — |
| 42 | JRNY Conversational platform for enterprise applications | $200K | — | 2 | David Leach Chief Executive Officer | — | — | — |
| 43 | Ranqx Customer feedback and financial benchmarking tool | $100K | 28 mo ago | — | Dave Lewis Founder & CEO | — | — | — |
| 44 | Snowball Effect New Zealand based equity crowdfunding platform | $54K | 51 mo ago | 27 | Richard Allen Cofounder & Chair | SentryReactInertia.js+16 | Top 5M | — |
Top 12 FinTech companies in New Zealand
#1
Series C · Wellington, Wellington · founded 2016 · 100 employees$53.7Mraised▾
Tax and accounting automation software for sole traders. The software offers automated tax calculations, payments, and filings. It also provides invoicing, expense logging, and payment allocation features. The platform delivers reports and integrates with other payment and accounting services. The app is available for both Android and iOS platforms.
- Dec 2025Series C$17.3M
- Jan 2023Series B$22.7M
- Jan 2022Series A$10.5M
- Sep 2019Seed$1.4M
#2
Series A · Auckland, Auckland · founded 2023$3.2Mraised▾
Provider of fund administration software and outsourced services for private markets. The company delivers integrated software solutions for investor onboarding, capital raising, and fund operations. Fund accounting, registry operations, and investor management are available as outsourced services. The software offers features such as a CRM, investor portal, and fund intelligence tools.
- Apr 2026Series A$6.6M
- Dec 2024Seed$2M
- Nov 2023Seed$3M
#3
Seed · Auckland, Auckland · founded 2018 · 6 employees$865.8Kraised▾
Provider of open banking API solutions for data holders and recipients. The company offers application programming interfaces designed for compliance and financial integration. It facilitates data sharing across platforms, supporting multiple compliance paths. The company's solutions aim to ensure secure access to customer, account, and transaction data.
- Sep 2025Seed$865.8K
#4
Series A · Takanini, Auckland · founded 2021$7.3Mraised▾
Provider of a digital-first banking alternative for small and medium-sized enterprises. It provides users with a platform that allows users to manage expenses effortlessly with features like real-time tracking, automatic receipt capture, and spending limits for team debit cards.
- Oct 2024Series A$7.3M
#5
Public · Wellington, Wellington · founded 2006 · 347 employees$369.4Mraised▾
Provider of accounting software and related tools for business management. It offers solutions for managing finances, cash flow, and integrations with other business applications. The software supports tasks such as invoicing, expense tracking, and payment acceptance. It also provides resources for accountants and bookkeepers to manage clients and compliance workflows.
- Apr 2017Post IPO$26.4M
- Mar 2015Post IPO$110.8M
- Oct 2013Post IPO$150M
- Nov 2012Post IPO$49M
#6
Public · Auckland, Auckland · founded 2016 · 43 employees$159.2Mraised▾
App-based platform for point of sale financing. It enables customers to purchase online/offline products by making installment payments at partnered merchant outlets. The payments can be made from the application via credit/debit cards. The application is available on iOS and Android devices.
- May 2021Post IPO$35M
- Jul 2020Conventional Debt$124.2M
- Nov 2018Seed—
#7
Funding Raised · Christchurch, Canterbury · founded 2014 · 17 employees$1.7Mraised▾
Cryptopia is a cryptocurrency exchange to buy, sell and trade currency. Provides news and information on cryptocurrency price alerts, market data, mining and crypto trading. Also, offers an API, that allows the users to integrate trading tools into their systems.
- Jul 2024ICO$1.7M
#8
Series C · Wellington, Wellington · founded 2016 · 173 employees$65.1Mraised▾
Micro investing and savings platform. It allows users to set aside a minimal amount of funds as savings for consumers. It features tools for assessing risks, tracking portfolios, and managing the trends in the market.
- Oct 2021Series C$36.1M
- Dec 2020Series B$25M
- Sep 2018Series A$4M
#9
Seed · Christchurch, Canterbury · founded 2017$5Mraised▾
Decentralized autonomous organization governing the ENS protocol. It utilizes working groups to manage work-related activities. The organization enables voting on proposals, documentation, and community engagement through its various platforms and forums.
- May 2024Seed$5M
#10
Acquired · Auckland, Auckland · founded 2013 · 74 employees$28.8Mraised▾
Cryptocurrency trading platform for business, trusts, and self-managed super funds. It enables users to buy, sell, and swap cryptocurrency. It offers trading data tracking solutions. It supports cryptocurrency including Bitcoin, Ethereum, Tron, and many more.
- Jul 2022Series B$17M
- Oct 2021Series A$11.8M
#11
Public · Auckland, Auckland · founded 2013 · 169 employees$56.4Mraised▾
Harmoney is New Zealand-based P2P lending platform for personal loans. Borrowers can avail loans from $1,000 to $70,000 for 3 and 5 year periods. Interest rates are determined by a scorecard and range from 6.99% p.a. to 29.99% p.a. Every loan is processed by the platform before upload to ensure the credit-worthiness of the borrower. The minimum investible amount by a lender is $25. Claims that the average lender on the platform receives 13% p.a. realized return. Charges an up-front, one-off platform fee to borrowers of $500. Lenders are charged a service fee of 1.25% of the principal and interest payments collected on each note.
- Jan 2020Conventional Debt$13.4M
- Oct 2019Conventional Debt$13.7M
- Oct 2019Series C$15.7M
- Nov 2016Series B$670K
#12
Series B · Auckland, Auckland · founded 2017 · 114 employees$27.3Mraised▾
KYC & AML solutions for multiple sectors such as law firms, financial institutions, accountants, real estate agencies, and more. It facilitates transaction monitoring, customer onboarding, identity verification, fraud prevention, and more. It facilitates biometric identity verification.
- Nov 2021Series B$21.5M
- Sep 2020Series A$5.8M
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 New Zealand
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 13 New Zealand-affiliated papers.
- University of Auckland4
- University of Waikato3
- Massey University3
- Victoria University of Wellington1
- University of Canterbury1
- Typology1
- Originality1
- Financial services1
- Liability1
- Marketing1
- Corporate governance2
- Earnings1
- Financial system1
- Value (mathematics)1
- Originality1
- Credit history2
- Bank credit2
- Credit crunch2
- Credit enhancement2
- Credit card interest2
Where fintech is researched across New Zealand
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.
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.