Best FinTech Companies in Scotland, United Kingdom
The 138 best FinTech companies in Scotland, United Kingdom in 2026, ranked by funding and momentum. Funding, investors, founders, valuation, tech stack and live signals. Top: Bravura Solutions.
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 Scotland
| # | Company | Disclosed funding | Last round | Employees | Founder | Tech stack | Web popularity | Patents & IP focus | Recent signals |
|---|---|---|---|---|---|---|---|---|---|
| 1 | Bravura Solutions Software solutions for life insurance and wealth management | $28M | 152 mo ago | 17 | — | WordPress Block EditorWordPressApple iCloud Mail+29 | Top 10M | — | 1 job opening |
| 2 | Recast Online platform offering to stream sports and entertainment content 62Growth top 28%Tech top 37%Funding top 39%Product top 46% All 8 signals ▾Growthtop 28% Techtop 37% Fundingtop 39% Producttop 46% Moattop 48% Markettop 50% Globalbottom 37% Newsbottom 34% Growth: Web rank 5,000,000 → 1,000,000 YoY · Fresh capital in last 24 mo Tech: 39 technologies across 5/8 capability areas · Cloud: Amazon Cloudfront, Amazon Web Services rank vs industry peers · Fliar Intelligence Index 62/100 | $24M | 23 mo ago | 54 | — | WebflowAmazon Web ServicesHubSpot+21 | Top 1M | — | — |
| 3 | FreeAgent Cloud-based accounting software for small businesses, freelancers, and accountants | $22M | 133 mo ago | 264 264 → 406 (+54%) · sector median +47% | — | SentryZendeskApple iCloud Mail+20 | Top 500k | — | — |
| 4 | Money Dashboard Online platform for personal finance management | $19M | 63 mo ago | 39 | — | Webflowcore-jsjQuery+11 | Top 10M | — | — |
| 5 | Atto Transaction data platform for businesses | $15M | 39 mo ago | 37 37 → 36 (-3%) · sector median +47% | Robert Knight CEO | WebflowGSAPAzure+23 | Top 5M | — | — |
| 6 | The ID Co. Financial assessment and on boarding solution | $11M | 85 mo ago | 28 | James Varga Co-Founder & CEO | — | — | — | — |
| 7 | Malted Provider of specialised intelligence solutions for the financial services sector | $9M | 25 mo ago | — | Carlos G. Co-Founder & CTO | WordPress Block EditorWordPressApple iCloud Mail+12 | Top 50M | — | 3 job openings |
| 8 | Broker Insights Data and distribution platform for insurers & brokers | $8M | 54 mo ago | 20 | Fraser Edmond Co-Founder & CEO | WordPressMySQLPHP+28 | Top 10M | 2 patents Aggregating and analyzing financial market data for brokerage services | 1 job opening |
| 9 | OneBanx App-based platform offering correspondent banking services to consumers | $5M | 35 mo ago | 27 27 → 15 (-44%) · sector median +47% | Javed Anjum Chief Executive Officer | GhostNode.jsVarnish+15 | Top 50M | — | — |
| 10 | Previsico Provider of flood forecasting and monitoring platform for risk mitigation 35Funding top 39%Tech top 42%Innovation top 48%Growth top 48% All 9 signals ▾Fundingtop 39% Techtop 42% Innovationtop 48% Growthtop 48% Productbottom 45% Talentbottom 40% Globalbottom 39% Newsbottom 36% Marketbottom 26% Funding: Raised $5.1M across 4 rounds · 4 rounds over 7 yrs (0.6/yr) Tech: 20 technologies across 4/8 capability areas · Cloud: Amazon Ses, Amazon Web Services rank vs industry peers · Fliar Intelligence Index 35/100 | $5M | 8 mo ago | 15 | Jonathan Jackson CEO | PrismicNode.jsRadix UI+17 | Top 10M | — | 1 partnership · 1 award |
| 11 | CarMoney Online car loan & car leasing platform | $5M | 43 mo ago | 87 87 → 128 (+47%) · sector median +47% | — | WordPress Block EditorWordPressApple iCloud Mail+29 | Top 5M | — | 5 job openings |
| 12 | Grafterr In-person and online payment processing for businesses | $4M | 39 mo ago | 12 12 → 29 (+142%) · sector median +47% | Bhas Kalangi Founder and CEO | Node.jsFirebaseUbuntu+20 | Top 5M | — | 1 launch |
| 13 | Level E Research AI-based software solutions for developing trading strategies | $3M | 39 mo ago | 12 12 → 27 (+125%) · sector median +47% | Sonia Schulenburg Chief Executive Officer | — | — | — | 1 internship |
| 14 | BR-DGE Provider of payment orchestration solutions for merchants, providers, and platforms | $3M | 70 mo ago | 40 40 → 96 (+140%) · sector median +47% | Thomas Gillan CEO | WordPress Block EditorWordPressMySQL+30 | Top 10M | — | — |
| 15 | Nova Online portfolio management solutions for cryptocurrency | $3M | 54 mo ago | 55 | Adam Greenberg Co-Founder | — | — | 18 patents Adaptive video streaming and bitrate control for content delivery networks | — |
| 16 | LendingCrowd Online platform for business lending | $3M | 52 mo ago | 35 35 → 42 (+20%) · sector median +47% | — | WordPressZohoIntercom+22 | Top 5M | — | 1 award |
| 17 | Float Cashflow Forecasting Float - Real time Financial Forecasting | $3M | 77 mo ago | 19 19 → 16 (-16%) · sector median +47% | — | WebflowTwitter AdsMicrosoft Advertising+19 | Top 5M | — | — |
| 18 | MarktoMarket Private company valuation solutions | $2M | 82 mo ago | 36 36 → 34 (-6%) · sector median +47% | Bertie Wilson Co-Founder & CMO | — | — | — | — |
| 19 | Payfont Payment fraud & theft prevention solution | $2M | 127 mo ago | 6 | — | — | — | 17 patents Secret‑sharing based secure data vaults and authentication for cloud payment systems | — |
| 20 | Sustainably Online fundraising platform through charitable e-commerce | $2M | 47 mo ago | 9 | Loral Quinn Co-Founder & CEO | — | — | — | — |
| 21 | Taveo Commercial insurance broker providing tailored coverage across diverse industries. | $2M | 27 mo ago | 38 | Mark Costello Chief Executive Officer | — | — | — | — |
| 22 | meshedcover.com Provider of business insurance brokering services using artificial intelligence technology | $1M | 10 mo ago | — | Jake Wells Co-Founder | Framer SitesApple iCloud MailReact+6 | Top 50M | — | — |
| 23 | Orca Money Aggregator of P2P lending platforms. | $1M | 93 mo ago | 4 | — | — | — | — | — |
| 24 | ShareIn White-label crowdfunding platform provider | $1M | 134 mo ago | 20 | — | — | — | — | — |
| 25 | Guiide Online financial calculator for pensions | $994K | 31 mo ago | 5 | Kevin Hollister Founder | Microsoft ASP.NETBootstrapAzure Front Door+21 | Top 1M | — | 1 launch · 1 partnership |
| 26 | Intelligent PoS mPoS app/software provider. | $849K | 117 mo ago | 72 | — | — | — | — | — |
| 27 | BlackArrow AI-driven financial management solutions | $811K | 60 mo ago | 10 | Gopal Hariharan Founder & CEO | — | — | — | — |
| 28 | Visible Capital Provider of loans secured by real estate and other assets | $653K | 78 mo ago | 5 | Richard Braidwood Co-Founder | — | — | — | — |
| 29 | Kore Digital Mining Blockchain-based Bitcoin mining platform | $250K | 26 mo ago | — | Derek Nisbet Founder & CEO | — | — | — | — |
| 30 | ArcTaurus Online platform for trading in cryptocurrency | $156K | 50 mo ago | 2 | Jonathan Small Founder & CEO | — | — | — | — |
| 31 | Insure Apps App-based claims processing software | $129K | 24 mo ago | 5 | Stephen Marshall Co-Founder & Managing Director | PHPChart.jsBootstrap+10 | Top 50M | — | 1 partnership |
Top 12 FinTech companies in Scotland
#1
Series A · Loughborough, Scotland · founded 2018 · 15 employees$5.1Mraised▾
Provider of flood forecasting and monitoring platform for risk mitigation. The platform enables preparation for, action upon, and prevention of flood impacts. It offers actionable flood warnings to mitigate flood risk impacts. The platform forecasts surface water, smaller streams and rivers, and drainage systems. It serves various sectors, including insurance, utilities, and construction.
- Oct 2025Series A—
- Aug 2025Seed—
- Mar 2025Seed—
- Oct 2023Seed—
#2
Acquired · Edinburgh, Scotland · founded 2018 · 54 employees$24.3Mraised▾
Online platform offering to stream sports and entertainment content. It enables users to stream live and VOD sports on a pay-per-view basis. It also enables users to invite friends to watch and share content and data.
- Jul 2024Series A$5M
- Feb 2022Series A$9.5M
- May 2021Series A$8.3M
- Jun 2020Seed$1.6M
#3
Seed · Glasgow, Scotland · founded 2024$1.3Mraised▾
Provider of business insurance brokering services using artificial intelligence technology. It offers support for coverage changes. The business model connects with business data to suggest coverage adjustments. The AI handles insurance administration. It also offers resources such as a blog and frequently asked questions.
- Aug 2025Seed$1.3M
#4
Seed · Edinburgh, Scotland · founded 2023$8.8Mraised▾
Provider of specialised intelligence solutions for the financial services sector. It offers technology designed for financial services, uncovering signals that generic artificial intelligence misses. The technology distills intelligence into insights faster, more efficiently, and more securely. It analyses customer interactions in real time, across calls, chats, emails, and more. The company builds specialised small language models for financial services. The technology creates models that deliver lower cost, faster insights, and enterprise-grade security.
- May 2024Seed$7.5M
- Aug 2023Seed—
#5
Acquired · Edinburgh, Scotland · founded 2010 · 37 employees$14.6Mraised▾
Transaction data platform for businesses. It offers fraud detection technology to banks, wealth management firms, and online lenders. It verifies a customers identity and financial profile online by combining bank-verified identities with live financial transaction history and bureau data to remove fraud and credit risk. It provides instant insights into the financial behaviors of borrowers through real-time transaction data.
- Feb 2023Series A$9.6M
- Jan 2022Seed$3M
- May 2019Seed$2M
#6
Acquired · Glasgow, Scotland · founded 2019 · 27 employees$5.2Mraised▾
App-based platform offering correspondent banking services to consumers. It enables its users to link and access all their existing bank accounts from their interface, by allowing users to deposit, save withdraw, transfer, pay, and more. Its app is available for iOS devices.
- Jul 2023Series A—
- Dec 2022Series A$1.5M
- Aug 2021Series A—
- Mar 2021Seed$3.4M
#7
Series B · Edinburgh, Scotland · founded 2009 · 39 employees$18.9Mraised▾
Online platform for personal finance management. It offers a web-based, mobile platform with tools for customers to manage their personal finances. Users can sign up on the website and connect as many bank accounts as they like to the app. The website enables customers to examine all of their current accounts, savings accounts, and credit cards from all of their banking institutions in one safe location. The website helps users keep track of daily expenses, savings, emergency cash, and financial advice depending on the goals that the consumer inputs.
- Mar 2021Series B$1.3M
- Aug 2019Series B$5.6M
- May 2019Series A$2.2M
- Aug 2017Series A$1.7M
#8
Seed · Glasgow, Scotland · founded 2019 · 38 employees$1.8Mraised▾
Commercial insurance broker providing tailored coverage across diverse industries. It offers insurance solutions, blending modern tools with hands-on expertise. The focus is on delivering appropriate coverage by balancing technology and human connection. It serves sectors including transport, logistics, construction, agriculture, hospitality, manufacturing, wholesale, food and drink, engineering, leisure, retail, professions, charities, property, and healthcare.
- Mar 2024Seed$357.1K
- Apr 2023Seed$1.1M
- Dec 2021Seed$357.9K
#9
Seed · Edinburgh, Scotland · founded 2017 · 12 employees$3.9Mraised▾
In-person and online payment processing for businesses. Takes payments in-person, online, or over the phone, integrated card payments, POS hardware and software, self-service kiosks, online ordering, QR-code and links, and more solutions for businesses.
- Mar 2023Seed$120.3K
- Jul 2022Seed$2.1M
- May 2022Seed$775.5K
- Mar 2020Seed$444.6K
#10
Seed · Edinburgh, Scotland · founded 2018 · 12 employees$3.5Mraised▾
AI-based software solutions for developing trading strategies. It offers solutions enabling firms to develop, test and implement investment strategies through automation. It offers E-platform, an autonomous investment management system for agents to perform large-scale data analysis tasks and processing in order to increase operational efficiencies across the entire investment management cycle.
- Mar 2023Seed—
- Apr 2021Seed$1.7M
- Jul 2020Seed$1.7M
- Aug 2019Seed$92K
#11
Acquired · Edinburgh, Scotland · founded 2007 · 264 employees$21.9Mraised▾
Cloud-based accounting software for small businesses, freelancers, and accountants. It offers solutions to manage log expenses, create and send invoices, track time and forecast tax bills. It also provides solutions for RTI-compliant payroll, invoice and estimate management, expense management, cash flow tracking, and more.
- May 2015Series A$2.7M
- Apr 2015Conventional Debt$5M
- Mar 2013Series A$164.1K
- Mar 2012Series A$2.4M
#12
Funding Raised · Glasgow, Scotland · founded 2014 · 87 employees$4.9Mraised▾
CarMoney is an online car loan and car leasing platform. Offers car loans for up to GBP 100,000 for a maximum term of 60 months. Users need to provide their basic details to get an offer from multiple lenders online. Provides offers from lenders like Barclays & Santander.
- Nov 2022Conventional Debt$4.9M
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
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.