Fintech providers,
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Banking, payments, funding, investing, crypto and business software for the UK, US, Canada, Australia and Europe. Every review says who checked it and when; commission never sets the order.
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Business bankingTideBusiness current accounts and admin tools for UK small businesses and sole traders.Free plan: YesUKView profile Business bankingStarling Bank Best for a real bank account with no monthly feeA fully licensed UK bank with a fee-free business current account.Free plan: YesUKView profile Business bankingRevolut BusinessMulti-currency business accounts, cards and expense management across the UK, EU, US and Australia.Free plan: YesUK · EU · US +1View profile Business bankingWise Business Best for transparent fees on everyday transfersMulti-currency business account with local account details and mid-market exchange rates.Free plan: One-off fee, no monthlyUK · US · Canada +2View profile Business bankingMercury Best for venture-backed startupsBanking and treasury for US startups, provided through partner banks.Free plan: YesUSView profile Business bankingAirwallexGlobal business accounts, cards and payment acceptance for companies selling across borders.Free plan: Yes, with conditionsAustralia · UK · US +2View profile PaymentsStripe Best for online businesses and developersDeveloper-first online payments, billing and marketplace payouts.Pricing: Per transactionUS · UK · Canada +2View profile PaymentsAdyenUnified online, in-store and platform payments for larger merchants, priced interchange-plus.Pricing: Interchange-plusEU · UK · US +1View profile PaymentsGoCardlessRecurring and one-off bank payments by Direct Debit and open banking.Pricing: Per transactionUK · EU · US +1View profile PaymentsSquareCard readers, point of sale and online checkout for small businesses.Pricing: Per transactionUS · UK · Canada +1View profile PaymentsSumUpLow-cost card readers with no monthly fee for micro-businesses.Pricing: Per transactionUK · EU · US +1View profile PaymentsPayoneerCross-border payouts and receiving accounts for freelancers, sellers and marketplaces.Pricing: Per transactionUS · UK · EU +2View profile Business lendingiwoca Best for flexible working capitalFlexible business loans and credit lines for UK small businesses, decided quickly.Product: Loans and credit lineUK · GermanyView profile Business lendingFunding CircleFixed-rate business term loans with an online application.Product: Term loansUK · USView profile Business lendingCapchaseNon-dilutive financing against recurring revenue for SaaS companies.Product: Revenue-based financingUS · UK · EUView profile Business lendingLendioUS small-business loan marketplace comparing offers from many lenders.Product: MarketplaceUSView profile Business lendingOnDeckShort-term loans and lines of credit for US small businesses.Product: Term loans and credit lineUSView profile Investing platformseToroMulti-asset platform with stocks, ETFs, crypto and copy trading.Stock commission: Commission-free (fees apply)UK · EU · US +1View profile Investing platformsInteractive BrokersLow-cost global brokerage with access to markets in dozens of countries.Stock commission: Low (Lite plan free in US)US · UK · Canada +2View profile Investing platformsTrading 212 Best free ISACommission-free stocks and ETFs with a stocks and shares ISA and cash interest.Stock commission: Commission-free (FX fee)UK · EUView profile Investing platformsFreetradeUK investing app with commission-free trades and ISA and SIPP on paid plans.Stock commission: Commission-free (FX fee)UKView profile Investing platformsRobinhoodCommission-free US stocks, options and crypto with a retirement account match.Stock commission: Commission-freeUS · UKView profile Investing platformsBettermentUS robo-adviser with automated portfolios, tax-loss harvesting and retirement accounts.Stock commission: Management fee insteadUSView profile CryptoCoinbase Best for beginners on a listed exchangeThe largest US-listed crypto exchange, with a beginner app and an advanced trading interface.Trading fees: Higher on simple app, lower on AdvancedUS · UK · EU +2View profile CryptoKrakenLong-running exchange with low pro fees, staking and strong security record.Trading fees: Low on ProUS · UK · EU +2View profile CryptoGeminiRegulation-focused US exchange with custody and an ActiveTrader interface.Trading fees: Higher on simple, lower on ActiveTraderUS · UK · EUView profile CryptoCrypto.comExchange and app with a wide coin list and a Visa card that pays crypto rewards.Trading fees: TieredUS · UK · EU +2View profile CryptoLedgerHardware wallets for self-custody of crypto.Trading fees: n/a (device)US · UK · EU +2View profile Accounting & payrollXero Best all-round for UK and Australian small businessesCloud accounting for small businesses with bank feeds, invoicing and a large app marketplace.Pricing: Subscription tiersUK · Australia · US +1View profile Accounting & payrollQuickBooks OnlineIntuit's cloud accounting, the default for US small businesses, with payroll and tax.Pricing: Subscription tiersUS · UK · Canada +1View profile Accounting & payrollFreshBooksInvoicing-first accounting for freelancers and service businesses.Pricing: Subscription tiersUS · Canada · UK +1View profile Accounting & payrollSage AccountingEstablished UK accounting and payroll software for small and mid-size businesses.Pricing: Subscription tiersUK · US · CanadaView profile Accounting & payrollGustoUS payroll, benefits and HR for small businesses.Pricing: Monthly plus per employeeUSView profile Accounting & payrollDeel Best overall breadth of countries and productsHire and pay employees and contractors in other countries through an employer of record.Pricing: Per worker per monthUS · UK · EU +2View profile Business insuranceSimply BusinessCompare small-business insurance quotes from several insurers.Type: Broker / comparisonUK · USView profile Business insuranceNext InsuranceOnline small-business insurance in the US with instant certificates.Type: InsurerUSView profile Business insuranceHiscoxSpecialist insurer for professionals and small businesses, including professional indemnity and cyber.Type: InsurerUK · USView profile Business insuranceVouchBusiness insurance designed for venture-backed startups.Type: Insurer (MGA)USView profile Compliance & infrastructurePlaidBank account connectivity, identity and payments APIs for fintech products.Pricing: Usage-basedUS · Canada · UK +1View profile Compliance & infrastructureTrueLayerOpen banking payments and data across the UK and Europe.Pricing: Usage-basedUK · EUView profile Compliance & infrastructureOnfidoDocument and biometric identity verification for onboarding, now part of Entrust.Pricing: Per check / contractUK · EU · USView profile Compliance & infrastructureSumsub Best all-in-one KYC, KYB and AMLAll-in-one KYC, KYB, AML screening and transaction monitoring.Pricing: Per check, self-serve tiersUK · EU · US +1View profile Business bankingMonzo BusinessA UK bank business account with a free tier and app-first budgeting for sole traders and companies.Free plan: YesUKView profile Business bankingANNA MoneyA business account with invoicing, receipts and tax filing built around a chat interface.Free plan: YesUKView profile Business bankingZempler BankA UK bank account for small businesses, formerly Cashplus, with credit-building and fast approval.Free plan: YesUKView profile Business bankingNovoFee-free US business checking for small businesses and freelancers, with invoicing and integrations.Free plan: YesUSView profile Business bankingBluevineUS business checking that pays interest, with a line of credit available from the same dashboard.Free plan: YesUSView profile Business bankingRelayUS business banking built for multiple accounts, team cards and Profit First budgeting.Free plan: YesUSView profile Business bankingBrexCorporate cards, business accounts and spend management for venture-backed startups and scale-ups.Free plan: Yes (card and account)USView profile Business bankingRamp Best free platform for US companies of any sizeCorporate cards and expense management that focus on cutting spend, free for the core product.Free plan: YesUSView profile PaymentsPayPal BusinessThe most widely recognised online wallet, with checkout, invoicing and card processing for businesses.Pricing: Per transactionUS · UK · Canada +2View profile PaymentsCheckout.comEnterprise payment processing with interchange-plus pricing and direct scheme connections.Pricing: Interchange-plusUK · EU · US +1View profile PaymentsMollieEuropean payment processing with local methods like iDEAL and Bancontact, no contracts and per-transaction pricing.Pricing: Per transactionEU · UKView profile PaymentsWorldpayA long-established card acquirer for in-store and online payments at every business size.Pricing: Flat or interchange-plusUK · US · EU +1View profile PaymentsZettle by PayPalLow-cost card readers and point-of-sale software backed by PayPal.Pricing: Per transactionUK · EU · US +1View profile PaymentsHelcimInterchange-plus processing for small businesses with no monthly fees, in the US and Canada.Pricing: Interchange-plusUS · CanadaView profile Business lendingPipeEmbedded capital for small businesses offered through the software platforms they already use.Product: Revenue-based capitalUS · UKView profile Business lendingClearcoInvoice and receipt funding for e-commerce businesses, repaid from revenue without equity.Product: Invoice funding (revenue-based)US · CanadaView profile Business lendingUncappedRevenue-based and fixed-term loans for online businesses, with no equity or personal guarantee.Product: Revenue-based and term loansUK · EU · USView profile Business lendingFundboxA revolving line of credit for US small businesses with decisions in minutes.Product: Line of creditUSView profile Business lendingYouLendEmbedded revenue-based financing offered through payment providers and marketplaces.Product: Revenue-based financingUK · EU · USView profile Business lendingWayflyerRevenue-based financing for e-commerce brands with analytics to plan inventory and marketing.Product: Revenue-based financingUS · UK · EU +1View profile Money transferRemitlyConsumer remittances to more than a hundred countries, with express and economy options.Type: Consumer remittanceUS · UK · Canada +2View profile Money transferOFXLarge international transfers for individuals and businesses with dealer support and no fixed fee.Type: Individual and business transfersAustralia · UK · US +2View profile Money transferXe Money TransferInternational transfers from the company behind the currency converter, with rate alerts and business payments.Type: Personal and business transfersUK · US · Canada +2View profile Money transferWorldRemitDigital remittances with mobile money, cash pick-up and airtime top-up across Africa, Asia and Latin America.Type: Consumer remittanceUK · US · Canada +2View profile Money transferCurrencies DirectFee-free international transfers with a personal dealer for property buyers and businesses.Type: Individual and business transfersUK · EU · US +1View profile Money transferTorFXPersonal-service currency transfers with competitive rates on larger amounts.Type: Individual and business transfersUK · Australia · EUView profile Investing platformsWealthfrontUS robo-adviser with automated investing, high-yield cash and tax-loss harvesting.Stock commission: Management fee insteadUSView profile Investing platformsM1 FinanceAutomated investing in custom portfolios ("pies") with borrowing and spending built in.Stock commission: Commission-freeUSView profile Investing platformsPublicStocks, ETFs, bonds, options and crypto in one app with a social feed and high-yield cash.Stock commission: Commission-freeUSView profile Investing platformsMoneyfarmDigital wealth manager offering managed ISAs, pensions and general accounts with adviser access.Stock commission: Management fee insteadUK · EUView profile Investing platformsNutmegJ.P. Morgan-owned digital wealth manager with ISAs, pensions and fully managed or fixed portfolios.Stock commission: Management fee insteadUKView profile Investing platformsHargreaves LansdownThe UK's largest investment platform with ISAs, SIPPs, funds, shares and research.Stock commission: Per trade, falls with frequencyUKView profile Investing platformsAJ BellLow-cost UK platform for ISAs, SIPPs and dealing accounts, with a simpler app in Dodl.Stock commission: Per tradeUKView profile Investing platformsInvestEngineCommission-free ETF investing with a fee-free DIY ISA and low-cost managed portfolios.Stock commission: Commission-free (ETFs only)UKView profile Investing platformsIGLong-established provider of share dealing, spread betting and CFDs with a large market range.Stock commission: Per trade, lower for active usersUK · Australia · EU +1View profile Investing platformsSaxoDanish investment bank with global market access, competitive pricing and professional platforms.Stock commission: Low per trade, tieredUK · EU · Australia +1View profile CryptoBinanceThe largest crypto exchange by volume, with very low fees and the widest range of coins and products.Trading fees: Very lowEU · Australia · SingaporeView profile CryptoBitstampOne of the oldest exchanges, regulated in Europe, now part of Robinhood.Trading fees: Tiered maker-takerEU · UK · USView profile CryptoBitpandaA European platform for crypto, stocks, ETFs, precious metals and commodities in one app.Trading fees: Spread-basedEU · UKView profile CryptoUpholdA multi-asset platform trading crypto, metals and currencies against each other in one step.Trading fees: Spread-basedUS · UK · EUView profile CryptoNexoCrypto platform with interest on holdings, crypto-backed credit lines and an exchange.Trading fees: Spread-basedEU · UK · AustraliaView profile CryptoTrezorOpen-source hardware wallets for self-custody of crypto.Trading fees: n/a (device)US · UK · EU +2View profile CryptoKoinly Best for HMRC, IRS, CRA and ATO tax reportsCrypto tax software that imports from exchanges and wallets and produces country-specific reports.Pricing: Free preview; paid per tax yearUK · US · Canada +2View profile Accounting & payrollRemoteGlobal HR platform with owned local entities for employer-of-record hiring, contractors and payroll.Pricing: Per worker per monthUS · UK · EU +2View profile Accounting & payrollRipplingPayroll, HR, benefits and IT management on one employee record, US-first with global reach.Pricing: Per employee per month, modularUS · UK · Canada +1View profile Accounting & payrollOysterEmployer-of-record and contractor hiring platform with a free tier and transparent pricing.Pricing: Per worker per monthUS · UK · EU +2View profile Accounting & payrollZoho BooksAffordable cloud accounting with a free tier, part of the wider Zoho suite.Pricing: Subscription tiersUS · UK · Canada +1View profile Accounting & payrollWaveFree invoicing and accounting for freelancers and micro-businesses in the US and Canada.Pricing: Free core; paid ProUS · CanadaView profile Accounting & payrollPleoCompany cards and expense management for European SMEs with receipt capture and accounting sync.Pricing: Per user per monthUK · EUView profile Accounting & payrollExpensifyReceipt scanning and expense reports with a company card, free for individuals.Pricing: Per active user per monthUS · UK · Canada +1View profile Accounting & payrollPayhawkSpend management with corporate cards, invoices and multi-entity support for mid-sized companies.Pricing: Custom, per companyUK · EU · USView profile Business insuranceEmbrokerDigital business insurance for startups and professional firms, including D&O, cyber and E&O.Type: Broker and MGAUSView profile Business insuranceSuperscript Best flexible monthly cover for UK freelancersFlexible monthly business insurance for UK small businesses and startups, cancel any time.Type: Broker (Lloyd's coverholder)UK · EUView profile Business insuranceThimbleShort-term and monthly business insurance for US small businesses and gig workers.Type: Broker / MGAUSView profile Compliance & infrastructurePersonaConfigurable identity verification and KYC/KYB workflows for product teams.Pricing: Usage-based, contractUS · UK · EUView profile Compliance & infrastructureVeriffAI-driven identity verification with broad document coverage and fraud prevention.Pricing: Per verification, contractEU · UK · USView profile Compliance & infrastructureAlloyIdentity decisioning platform that orchestrates KYC, KYB and fraud data sources for banks and fintechs.Pricing: ContractUS · UKView profile Compliance & infrastructureComplyAdvantageAML screening and monitoring with a proprietary database of sanctions, PEPs and adverse media.Pricing: ContractUK · US · EU +1View profile
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Comparison · United KingdomBest business bank accounts in the UKStarling, Tide, Revolut Business and Wise Business compared on fees, protection, currencies and accounting integrations.4 providers compared · review pending Comparison · United StatesBest business bank accounts for US startupsMercury, Wise Business, Revolut Business and Airwallex compared for startups and online businesses.4 providers compared · review pending Comparison · United KingdomBest payment processors for small businessesStripe, Square, SumUp, GoCardless and Adyen compared on pricing model, in-person and recurring payments.5 providers compared · review pending Comparison · United KingdomBest business loans and credit lines in the UKiwoca, Funding Circle and Capchase compared for speed, cost and repayment flexibility.3 providers compared · review pending Comparison · United KingdomBest investing platforms in the UKTrading 212, Freetrade, Interactive Brokers and eToro compared on commission, ISA access and range.4 providers compared · review pending Comparison · United StatesBest crypto exchangesCoinbase, Kraken, Gemini and Crypto.com compared on fees, regulation, staking and custody, plus Ledger for self-custody.5 providers compared · review pending Comparison · United KingdomBest accounting software for small businessesXero, QuickBooks Online, FreshBooks and Sage compared on pricing model, payroll and tax filing.4 providers compared · review pending Comparison · United KingdomBest KYC and identity verification providers for fintechsOnfido, Sumsub and Plaid compared for document verification, AML screening and bank-account verification.3 providers compared · review pending Comparison · United KingdomBest international money transfer services in the UKWise Business, Currencies Direct, TorFX, OFX, Xe and WorldRemit compared for small transfers, property money and business payments.6 providers compared · review pending Comparison · United StatesBest corporate cards and spend management platformsBrex, Ramp, Pleo, Payhawk and Expensify compared for startups and mid-sized companies.5 providers compared · review pending Comparison · United KingdomBest employer-of-record and global payroll providersDeel, Remote, Oyster and Rippling compared for hiring abroad without a local entity.4 providers compared · review pending Comparison · United KingdomBest crypto tax software and hardware walletsKoinly, Ledger and Trezor compared: keeping crypto safe and reporting it correctly.3 providers compared · review pending Comparison · United KingdomBest business insurance for startups and freelancersSuperscript, Simply Business, Hiscox, Vouch, Embroker, Next Insurance and Thimble compared for professional indemnity, liability, cyber and D&O in the UK and US.7 providers compared · review pending
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32 providersBanking & paymentsAccounts, cards, taking payments and sending money abroad: everything that moves or holds a business's money.Open the industry 11 providersFunding & creditTerm loans, credit lines, revenue-based and invoice finance for growing companies.Open the industry 28 providersInvesting & cryptoBrokers, robo-advisers, exchanges, wallets and crypto tax software.Open the industry 21 providersBusiness softwareAccounting, payroll, expenses, global hiring and business insurance: the tools that run the company.Open the industry 8 providersCompliance & infrastructureIdentity verification, AML screening, open banking and the plumbing fintechs build on.Open the industry