The Complete List of Fintech Unicorns in the UK

The adoption of digital payments is faster than we think. As a resuşt, the fintech industry is evolving day by day. Consumers changing habits force the digital ecosystem to produce more fintech solutions. That’s why the fintech industry is consecutively in the highest number of unicorns. There could be specific fintech solutions regarding these sectors; Banking & Trading, Crpto&BNlookchain, insurance, Payments, or e-commerce. But no matter which sector is focusing on, if you are in the fintech business or setting a new one, you should be aware of the other fintech unicorns.

340 new unicorns were created in the US last year, compared to 116 in the UK. However, there is also an interesting stat that we can’t ignore, which is about the growth rate of these startups. In 2021, the combined unicorn growth rate in Europe reached 400%, compared with 124% in the US. It means that starting your fintech startup in the UK could be a wise choice for the future success of your startup.

UK & Ireland produced the most valuable companies with an astonishing combined unicorn valuation of EUR 138bn. That’s more than 38% of Europe’s entire unicorn value. According to the 2022 European Unicorn map, there are 41 Unicorns in the UK, and you can find a complete list of fintech unicorns in the UK.

Table of Contents is a platform that offers ways to buy, hold, and use cryptocurrency. It’s been a leading crypto finance house serving people, projects, protocols, and institutions since 2011. is connecting the world to the future of finance. They are the most trusted and fastest-growing crypto company, helping millions across the globe – from single individuals to the most prominent institutions – have an easy and safe way to buy, sell and store cryptocurrency.’s headquarter is in London, England, United Kingdom. Nicolas Cary is the founder of They have raised $490M in funding over seven rounds. Their most recent investment was on Mar 17, 2022, when Mina raised $92M.

Known as the world’s most popular crypto wallet, is on a path to revolutionising the $14T financial services industry. is backed by leading investors, including Lightspeed Venture Partners and Google Ventures.

ManyPets (Formerly Bought By Many)

ManyPets is a pet insurance company that looks after your pet’s health.

The co-founders of ManyPets are Steven Mendel and Guy Farley. The company headquarters is in London. They’re on a mission to make the world a better place for pets and their parents. They offer pet insurance policies with generous pet health benefits designed with their needs. They’ve also won numerous awards, have offices in the USA, UK, and Sweden – and they now employ over 400 people globally. 

Their company is fast-paced, respectful, fun-loving and (most importantly) passionate about pets and their well-being. They rank 30th on the Tech Track 100 (2020), and their latest Series D funding round was $350m, which values us at $2bn. 


The Complete List of Fintech Unicorns in the UK - TrueLayer

TrueLayer is a global open banking platform that makes it easy for anyone to build better financial experiences. It’s been used by millions of consumers and businesses around the world. From startups to large enterprises, businesses of every size can use TrueLayer to power their payments, access financial insights, and onboard customers across Europe, the UK, and Australia.

TrueLayer was founded in 2016 by Francesco Simoneschi and Luca Martinetti. They established TrueLayer in London, England. TrueLayer vision is to create a financial system that works for everyone. According to CrunchBase, they have raised $271.5M in funding over eight rounds. Their latest funding was from a Series E round on Sep 21, 2021.


Zopa is a British financial services company that offers deposit accounts and credit cards. It began as the world’s first peer-to-peer lending company in 2005 and gained a full banking license in 2020. With this service, borrowers and lenders deal directly, bypassing banks that act as middlemen, and lenders can make direct loans to one another.

Zopa was launched in the UK in March 2005. The co-founders of Zoppa are Richard Duvall, James Alexander, Giles Andrews, David Nicholson, and Tim Parlett. Recently, Zopa has been named the British Bank Awards’ Best Personal Loan Provider, and they have raised a total of $792.3M in funding over 15 rounds. The latest funding was raised on Oct 18, 2021, from a Venture-Series Unknown round.

They keep improving their savings product line-up. Their newest product is Zopa Smart Saver. It enables customers to have multiple saving pots at different interest rates and with varying access requirements – all in one place. So it balances ease of access and enhanced interest rates from a single dashboard.


Zilch is a virtual Mastercard. It’s as safe as using your bank card. This pay later app, funded by six investors in London, allows its customers to shop wherever Mastercard is accepted. 

Zilch has raised $339.3M in funding over five rounds. Their latest funding was raised on Nov 10, 2021, from a Series C round. Zilch acquired NepFin on Aug 11, 2021. Their latest investors are Gauss Ventures and Ventura Capital.

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How to Build a Unicorn Startup in 2022 - GoCardless

Paying directly from a customer’s bank account is easy with GoCardless, a global leader in account-to-account payments. 

From multinational corporations to small businesses, GoCardless’ global payments network and technology platform makes getting paid easy for 65,000 businesses worldwide. Each year GoCardless processes US$30B billion of payments across more than 30 countries. GoCardless is headquartered in the UK, with additional offices in Australia, France, Germany, and the United States.

GoCardless was founded by Hiroki Takeuchi, who manages direct debit collection on behalf of merchants. They have raised $529.3M in funding over ten rounds. Their latest funding was raised on Feb 8, 2022, from a Series G round.

The Other Fintech Unicorns (14) in the UK You Should be Aware Of:

If you are interested to learn more about up and coming FinTech startups, look nowhere else. We gathered top FinTech startups of London that you should watch out for in 2022.