🏦 Best Fintech Apps UK

8 brands checked for UK consumers

5 Legit 3 Caution
← All guides
UK fintech apps have transformed everyday banking and payments, but they vary significantly in regulatory protection and financial safety. Here's every major app ranked by our independent trust score.
#1
Starling
91 ✓ Legit
Starling Bank is widely regarded as the UK's best digital bank. It holds a full banking licence, is dual-regulated by the PRA and FCA, deposits are FSCS protected up to £85,000, and it was the first UK digital bank to achieve sustained profitability. One of the safest banking choices available.
Full Starling review →
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#2
Monzo
90 ✓ Legit
Monzo is a fully licensed UK bank regulated by the PRA and FCA, with deposits FSCS protected up to £85,000. With over 9 million customers and profitability achieved in 2023, Monzo is one of the most trusted and feature-rich digital banking options in the UK.
Full Monzo review →
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#3
Wise
87 ✓ Legit
Wise is listed on the London Stock Exchange, FCA authorised, and serves over 16 million customers globally. It offers the real mid-market exchange rate with completely transparent fees — a genuinely consumer-friendly product and one of the most trusted fintech companies to emerge from the UK.
Full Wise review →
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#4
Revolut
79 ✓ Legit
Revolut received its long-awaited UK banking licence from the PRA in 2024, making it a legitimate UK bank. It is excellent for travel money and international transfers. Past compliance concerns have been substantially addressed. A safe choice, especially now with FSCS protection incoming.
Full Revolut review →
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#5
Curve
76 ✓ Legit
Curve is a legitimate, FCA authorised London fintech with over $200 million in funding. Its card consolidation concept is genuinely innovative and useful. Note that Curve is an e-money institution, not a bank — funds loaded are not FSCS protected. A safe and useful product for day-to-day use.
Full Curve review →
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#6
Klarna
76 ⚠ Caution
Klarna is a legitimate FCA-regulated financial service, not a scam. However, Buy Now Pay Later is a form of debt, and Klarna now reports missed payments to UK credit reference agencies. Use only if you are confident you can repay on time.
Full Klarna review →
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#7
Clearpay
74 ⚠ Caution
Clearpay is a legitimate Buy Now Pay Later service owned by Block Inc (Jack Dorsey's company). The pay-in-4 instalment model works as advertised, but missed payments incur fees and may affect your credit score. Use it only if you can reliably repay on schedule.
Full Clearpay review →
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#8
Zilch
68 ⚠ Caution
Zilch is a legitimate, FCA authorised UK BNPL company with a transparent prepaid Mastercard approach that gives it broader acceptance than merchant-integrated competitors. It is one of the more responsible BNPL operators but debt risk remains. Use carefully.
Full Zilch review →
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