The Top Fintech Apps & Platforms of 2022

Acorns

It is a financial wellness app that guides users about how to get more return on the invested money by offering videos and articles of financial advisors/experts. It allows customers to deposit and withdraw money whenever they want. Acorn teaches investors how to spend smartly at no overdraft fees, using nationwide ATMs. It also guides how to earn an investment bonus up to 10% from the selected local businesses. The app is supported by leading innovators, press, and investors such as PayPal, CNBC, BlackRock, and Ashton Kutcher.

California, US

4.7

4.5

7

Investment

Mobile

7 million

Visit Website

Addepar

Addepar is a performance reporting platform used by individuals, private banks and wealth advisors. The platform consolidates and manages all information across the investment world, providing a broader view and allowing investors to make more informed decisions.

California, US

4.7

-

46

Investment

Web and Mobile

NA

Visit Website

Affirm

Affirm is a lending platform that allows users to pay for online purchases in small installments. The company offers interest rates as low as zero percent and allows users to choose plans ranging from three to 36 months so they can pay over time for trips, electronics, furniture and more.

California, US

4.9

4.4

11

Lending

Web and Mobile

3 million

Visit Website

Atom Bank

Atom Bank is the UK’s first bank designed specifically for digital, offering a range of personal and business banking products including Digital Mortgages by Atom, four market-leading Fixed Saver accounts and secured Business Lending to SMEs. The company, which has no physical branches, allows users to login using face and voice recognition and receive support from a 24/7 customer service team.

Durham, UK

4.6

4.2

33

Mobile Banking

Mobile

NA

Visit Website

Avant

Avant is an online lending platform and the leading provider of credit alternatives to middle income consumers. Avant offers unsecured personal loans ranging from $2,000-$35,000 with funding as soon as the next business day, and has served more than 600,000 customers worldwide.

Chicago, US

4.5

4.3

37

Lending

Web and Mobile

0.8 million

Visit Website

Banco Inter

Banco Inter provides digital banking services in Brazil. It offers checking, personal, corporate, and microenterprise accounts; loans and credit cards; and investment and insurance services.

Minas Gerais, Brazil

4.8

4.5

9

Mobile Banking

Mobile

3.7 million

Visit Website

Braintree

Braintree enables merchants in more than 45 countries worldwide to accept and process payments in more than 130 currencies. It provides payment services to businesses of all sizes. Accepting payment types ranging from credit cards to Venmo, its products help companies that operate online and as marketplaces to bolster security, prevent fraud and safeguard user information.

Chicago, US

-

48

Payments

Web

NA

Visit Website

Chime

Chime, the fastest growing challenger bank in the U.S. is a technology company focused relentlessly on helping our members achieve financial peace of mind. Chime has all the basic features users appreciate in a fintech app. Americans are increasingly choosing it for its transparency, without hidden fees. Moreover, you get some really useful functions, such as automatic multiple saving options or free use of their ATMs.

San Francisco, US

4.8

4.7

14

Personal Finance

Mobile

8 million

Visit Website

Chip

Chip is a smart bot application that automatically saves up money for its customers.

London, UK

4.4

4.6

35

Personal Finance

Mobile

0.25 million

Visit Website

Coinbase

The app focuses on the cryptocurrency exchange. It provides information about the relevant tools and introduces the world of cryptocurrency to newbies. Coinbase helps all the beginners and experts of crypto investors to build and manage their crypt portfolio.

California, US

4.7

3.8

5

Cryptocurrency

Mobile

30 million

Visit Website

Credit Karma

Credit Karma is focused on championing financial progress for over 100 million members in the U.S., Canada and U.K. While its best known for pioneering free credit scores, its members look for resources as they work towards their financial goals. This includes tools for credit and identity monitoring, credit card recommendations, shopping for loans (car, home and personal), growing their savings* and filing their taxes with Credit Karma Tax -- all for free.

California, US

4.9

4

2

Personal Finance

Web and Mobile

100 million

Visit Website

Cuvva

It offers hourly insurance for travel and motor. When a user doesn’t know exactly how many days of coverage he’ll need, he could get a Cuvva insurance for approximately £11.40 per hour. This app works on similar principles as Zego. The company has so far covered more than 40 million hours.

London, UK

4.8

1-3

38

InsureTech

Web and Mobile

0.25 million

Visit Website

Dave

Dave is the highest ranked personal financial management app in the country. Dave helps the 4 in 5 Americans who live paycheck to paycheck thrive, not just survive. The company is a financial ecosystem that empowers all Americans with the tools they need to live stable financial lives.

California, US

4.8

4.7

8

Mobile Banking

Mobile

5 million

Visit Website

Earnin

The app allows users to access up to $500 between paychecks, earn cashback on your purchases, avoid unnecessary overdraft fees, and explore saving options on medical bills. The app uses four tools such as cash out, health aid, balance shield, and cashback rewards to simplify the financial system for the users.

California, US

4.7

4.2

15

PayDay Loan

Mobile

15 million

Visit Website

Emma

It helps the user become truly aware of all his/her expenses. Many people have at least one forgotten subscription which draws money monthly from their accounts and this app will help avoid such situations. Use Emma to gather all your bank accounts into a single app for better management.

London, UK

4.7

4.6

36

Personal Finance

Mobile

NA

Visit Website

Finch

Finch is an Australian fintech startup, whose main purpose is to convince young people, Millennials, that good financial management can and should be part of their social lives using phones. The app lets you split bills with friends by sending and requesting different sums, or track how much the group spends. These are simply displayed in the app, without the confusing bank-specific details. Thus, you and your friends can improve the management of your common and personal money.

Victoria, Australia

-

4.9

45

Money Management

Mobile

NA

Visit Website

Gravity Payments

Gravity Payments is a payment processing platform for small businesses that features lower rates and flexible processing solutions. The company’s platform streamlines financial transaction processing for everything from credit cards to POS systems and even gift cards.

Washington, US

-

50

Payments

Web and Mobile

NA

Visit Website

Honeydue

Honeydue is the best fintech app for new families and couples who struggle to synchronize their finances. This application allows the possibility of having their individual accounts in the same place and analyzing the balances.

San Francisco, US

4.5

4.4

34

Money Management

Mobile

0.4 million

Visit Website

Inly

Inly app is the perfect solution for freelancers. With the application, a user can send invoices, get paid via electronic checks or credit cards, and even make custom contracts for clients and track analytics for their business.

Nashville, US

5

-

57

PayDay Loan

Web and Mobile

NA

Visit Website

Insurify

Insurify is your smart, virtual car insurance agent. It is powered by a robust technology platform that provides fast, accurate, personalized recommendations and quotes to help you make confident decisions about your car insurance coverage and carrier.

Massachusetts, US

-

51

InsureTech

Web

0.46 million

Visit Website

Lemonade

Lemonade Insurance Company is a licensed insurance carrier, offering homeowners and renters insurance powered by artificial intelligence and behavioral economics. By replacing brokers and bureaucracy with bots and machine learning, Lemonade promises zero paperwork and instant everything. And as a Certified B-Corp, where underwriting profits go to nonprofits, Lemonade is remaking insurance as a social good, rather than a necessary evil.

New York, US

4.9

4.4

27

InsureTech

Mobile

0.96 million

Visit Website

Liquid

QUOINE provides trading, exchange, and next-generation financial services powered by blockchain technology. It was the first global cryptocurrency exchange to be officially licensed by the Japan Financial Service Authority. Liquid is a cryptocurrency one-stop trading portal launched by QUOINE that allows users to access a worldwide network of cryptocurrency exchanges. Liquid enables users to match trades across multiple transactions and cryptocurrencies.

Tokyo, Japan

-

3.2

44

Trading, Cryptocurrency

Mobile

NA

Visit Website

Lumio

Lumio is an Intelligent financial mentor for users. Using tailor-made technology to grow their money around their lifestyle, in minutes. Lumio empowers customers to connect their accounts in one place, de-clutter the marketplace and begin growing their money in a meaningful manner.

London, UK

0

54

Personal Finance

Mobile

NA

Visit Website

Mint

Mint, available online and mobile, brings together a user's total financial life—bank accounts, bills, free credit score, credit cards and investments. It also offers personalized tips and advice to help you make the most of your money and get more out of life. It is a leading personal finance app from Intuit, makes it even easier to manage personal finances, budgets and bill payments.

California, US

4.7

4.5

6

Personal Finance

Web and Mobile

15 million

Visit Website

MoMo

Momo offers a mobile, electronic wallet and payment application for iOS and Android devices. Its products help customers in Vietnam make nationwide cash transfers, pay more than 100 types of bills, recharge mobile phone accounts, settle personal loans, and purchase services such as software license and online game cards, airline and movie tickets, etc. The company’s payment system partners with 24 domestic banks and foreign payment networks, including JCB, MasterCard, and Visa.

Ho Chi Minh, Vietnam

4.6

4.1

13

Wallets

Mobile

2 million

Visit Website

MoneyLion

MoneyLion is an American company that provides financial assistance to its users. For the past six years, the company has been giving clients safe access to loans. At the same time, it mediates lending, saving, and management processes.

New York, US

5

3.6

29

Mobile Banking

Mobile

5 million

Visit Website

Moneybox

Moneybox is helping a generation invest for their future. Its award-winning app makes it easy for people to take the first step and then provide the tools and information they need to confidently work towards their financial goals.

London, UK

4.7

3.8

17

Investment

Mobile

0.4 million

Visit Website

Monobank

It is the first fully mobile bank in Ukraine that does not have any mobile brand across the country. It allows users to pay money to friends, replenish your mobile phone, or pay a communal apartment for free and just with a few clicks on your smartphone. Monobank allows users to make payments, free replenishment, installment purchase, cashback up to 20%, and expense & currency accounting online. The app allows users to track expenses for all goods of each category, analyze what the users spend the most on and make well-informed decisions about the budget.

Ukraine

4.8

4.9

12

Mobile Banking

Mobile

1.5 million

Visit Website

Monzo

Monzo offers banking experience on users' smartphones where a user can spend, manage, and save all his money. It allows users to open a full UK bank account from the phone.

London, UK

4.2

4.5

31

Mobile Banking

Mobile

4.2 million

Visit Website

N26

N26 is the first mobile bank the world loves to use. The German fintech app has statistically overtaken Revolut worldwide. Just using a few taps on your screen will control your finances, efficiently.

Berlin, Germany

4.7

1-2

22

Mobile Banking

Web and Mobile

5 million

Visit Website

Nubank

Nubank is useful for keeping track of invoices and payments as well as classifying your spending by categories and using Nubank Reward points to cover some expenses. The system updates in real-time, thus always giving an accurate view of your financial situation.

São Paulo, Brazil

4.1

4.5

42

Personal Finance

Mobile

20 million

Visit Website

Opploans

OppLoans is a leading financial technology platform that provides accessible products and top-rated experience to credit-challenged consumers. The application process takes minutes and the lower interest rate loans are issued in a matter of days. Applicants can apply for loans to cover everything from home and car repairs to family bills, medical emergencies and major purchases.

Chicago, US

-

49

Lending

Mobile

0.3 million

Visit Website

Oval

Oval is the one of the smartest solutions available for digital natives to manage their personal finances all in one unique, intuitive app. It speaks to a new generation with flexible income, variable expenses and limited access to financial products. With Oval, everyone can find the tools they need to start small and make their money grow. It lets users pay smart, track expenses, save automatically, realize your goals, and invest easily.

London, UK

4.6

3.8

32

Personal Finance

Mobile

0.45 million

Visit Website

Paytm

Paytm is India’s largest payments company that offers multi-source and multi destination payment solutions. It offers comprehensive payment solutions to over 8 million merchants and allows consumers to make payments from any bank account to any bank account at 0% fee. Paytm also offers financial services products such as insurance, mutual funds and operates a domestic payment bank.

Noida, India

4.7

4.4

1

Mobile Banking, Investment

Web and Mobile

140 million

Visit Website

Penfold

Penfold is a digital pension platform managed fully on mobile phones. Penfold ensures almost 4 million freelancers from the UK to have their retirement period secured. It adapts to their flexible income without interfering with people’s real needs.

London, UK

4.8

4.3

47

Investment

Mobile

4 million

Visit Website

Planto

Planto is a personal financial management app that gives millennial simple and actionable financial advice.

Wan Chai, Hong Kong

4.5

4.4

40

Personal Finance

Mobile

NA

Visit Website

Plum

Plum is an automated savings bot, which doubles up as a wealth-management app for millennials. Plum also offers an easy on-ramp by calculating how much you can responsibly save (or automatically invest). Plum gives daily insights on the account balance and how much it can put away to save, rather than serious analytics.

London, UK

4.7

4.5

30

Investment

Mobile

0.65 million

Visit Website

Pluto

The company combines behavioral economics with AI to guide Gen Z towards their financial goals starting in college and beyond. It is backed by Techstars & Barclays, and has been featured on Apple's New Apps We Love. Pluto analyzes a user's finances to create a personalized, gamified financial plan consisting of simple, money-saving challenges it can do to reach a user's saving goals. Pluto also enables a user to anonymously compare his finances against similar peers, even on the same campus. Finally, Pluto bridges the intention-action gap by enabling a user to easily transfer savings into Pluto and providing tips, hacks and deals that help him spend, earn and save better.

San Francisco, US

4.3

NA

43

Mobile Banking

Mobile

NA

Visit Website

PolicyBazaar

PolicyBazaar.com is India's prominent online life insurance and general insurance aggregator. The company is specialized in making comparative analysis of the insurance products. The basis for the comparison is price, quality and key benefits. Based on user input’s, various options in the desired insurance product are showcased to him. To facilitate the user understanding of the products, there are special segments like knowledge.policybazaar and ask.policybazaar. Under these segments, customer queries are answered and information about new insurance products and trends are shared with the users.

Gurgaon, India

4

4.1

24

InsureTech

Web and Mobile

10 million

Visit Website

Prism

Prism is a great app if a user struggles with all his regular bills and necessary transactions. The app sends him reminders for all his bills so nothing will be forgotten. It manages all types of transactions, including credits, debts, or simple payments. It also gathers all his accounts in the same app which saves a lot of time and energy, as he no longer has to check different websites for each bill. The current balance and history of his transactions is visible for every account and his financial situation and personal data are secure.

Washington, US

4.8

4.2

25

Personal Finance

Mobile

0.12 million

Visit Website

Qapital

Qapital offers a personal finance app that encourages users to save for things they want (like a vacation, wedding, or down payment on a home) by making behavior changes to achieve results. The app allows users to set a goal and accumulate savings triggered by everyday behaviors, such as grabbing a morning coffee or ordering take-out.

New York, US

4.8

4.1

21

Personal Finance

Mobile

1.8 million

Visit Website

Revolut

Revolut is a well-known app that helps you master financial managerial skills. As well as the basic transactions and balance checks, there are many other features, the system offers instant notifications, monthly reports, and the possibility to set limits for your budget.

London, UK

4.9

4.6

4

Money Management

Mobile

10 million

Visit Website

Robinhood

Robinhood is an American app that has revolutionized the way people trade on the stock market. It’s free, with no commission fees or hidden expenses and it allows users to invest in the stocks of many US companies.

California, US

4.8

4.4

3

Investment

Mobile

13 million

Visit Website

SoFi

SoFi offers modern financial products and services that help people borrow, save, spend, invest, and protect their money better. It offers low cost loans by saving on operating costs through online-only services.

California, US

4.8

4.2

26

Lending

Mobile

1 million

Visit Website

Starling Bank

Starling Bank is an award-winning and fully-licensed bank built to give people a fairer, smarter and more human alternative to the banks of the past. With four different account types – personal, business, joint and euro – and a pioneering payment services proposition for businesses, Starling’s world-class tech reimagines banking for life today, putting the tools people need to feel good about money in the palm of their hand.

London, UK

4.9

4.8

19

Mobile Banking

Web and Mobile

1 million

Visit Website

Stash

Stash is pioneering the future of financial services by uniting investing, banking, and education into one seamless experience. Nearly 4 million people use Stash to create the lives they want with the money they have today. At its core, the company believes the status quo established by legacy financial institutions clearly doesn't work for most Americans. That's why it makes products that champion its customers by prioritizing affordability, accessibility, simplicity, and education.

New York, US

4.7

4

16

Investment

Mobile

4.3 million

Visit Website

Tala

Tala provides credit access to people in underserved parts of the world like Kenya, the Philippines, Tanzania and Mexico. Through its app, the company employs alternative data to underwrite potential users that have no traditional credit history.

California, US

-

4.7

10

Lending

Mobile

2 million

Visit Website

Toss

Toss, created by Viva Republica, is a mobile finance app that provides P2P money transfer services. The platform offers a range of financial services in one app, including a financial dashboard, credit score management, customized loan/insurance plans, as well as multiple investment services.

Seoul

4.7

4.2

18

Lending, Investment

Mobile

14 million

Visit Website

TransferWise

It allows to send money overseas easily and quickly at the cheapest rate. The supports 28 currencies and uses real exchange rate to help foreign businesses and students. Using the app, users can send money abroad at the 8X cheaper rate than the high street banks and at the real exchange rate. TransferWire allows users to send money to friends and family, pay off your loan or mortgage abroad, get paid in multiple currencies, pay bills in another currency, and more.

London, UK

4.8

4.4

20

Money Management

Web and Mobile

7 million

Visit Website

Trilo

Trilo is a user-driven payments network and enables users to earn cashback whenever they pay. Merchants receive their money in minutes. Merchants simply add Trilo to their app, website or shop, and customers can pay in seconds. Trilo uses Open Banking to give consumers and merchants the best experience possible.

London, UK

0

56

Payments

Web

NA

Visit Website

Uala

Uala is a virtual banking app that offers a prepaid MasterCard card to help users keep track of spending, complete transfers, and more.

Buenos Aires, Argentina

3.9

4.2

23

Mobile Banking, Lending

Mobile

1.3 million

Visit Website

Upstart

Upstart is the leading AI lending platform partnering with banks to expand access to affordable credit. By leveraging Upstart's AI platform, Upstart-powered banks can have higher approval rates and lower loss rates, while simultaneously delivering the exceptional digital-first lending experience their customers demand. Upstart's patent-pending platform is the first to receive a no-action letter from the Consumer Financial Protection Bureau related to fair lending.

California, US

-

53

Personal Finance

Web

0.45 million

Visit Website

WeFox

The InsurTech wefox is a digital platform that connects insurance providers, distributors and customers. It was founded by Julian Teicke, Dario Fazlic, Fabian Wesemann and Teodoro Martino in 2014. It is currently headed by Tasos Chatzimichailidis. The company has set out to reinvent the way people experience insurance: by simplifying its complexities, ensuring total transparency and eliminating inconvenience. wefox knows that 91% of all insurance products are still sold by human agents. That’s why it focuses on brokers as the most important distribution channel. The platform has become a trusted digital home for the insurance industry. wefox is a technology, services and data company that has build the underlying platform for the insurance ecosystem of the future. It is able to provide its service for all insurance companies in the market.

Berlin, Germany

4

1-3

41

InsureTech

Web and Mobile

0.5 million

Visit Website

WeLab

WeLab’s improves lives through gamechanging technology and innovation. The company’s lending platforms are powered by WeDefend, the company’s proprietary risk management technology, which combines machine learning and big data technologies to deliver a streamlined risk management and customer experience. The company acts as a platform for users to apply for credit using their mobile phones in the B2C segment, while offering fintech-driven solutions to traditional financial institutions in the B2B segment.

Hong Kong

0

55

Lending, Mobile Banking

Web and Mobile

41 million

Visit Website

Wealthsimple

Wealthsimple is a financial company on a mission to help everyone achieve financial freedom by providing products and advice that are accessible and affordable. Wealthsimple started by providing smart, simple investing, without the high fees and account minimums associated with traditional investment management. It invests its clients money in a globally diversified portfolio of low-cost index funds, and our cutting-edge technology helps customers earn the best possible return.

Toronto, Canada

4.5

3.9

39

Investment

Web and Mobile

1.5 million

Visit Website

eToro

eToro's platform enables people to invest in 2000+ assets, from stocks and commodities to crypto assets. eToro is a global community of more than 13 million registered users who share their investment strategies, and anyone can follow and copy the approaches of those who have been the most successful. Users can easily buy, hold and sell assets and monitor their portfolio in real-time.

Bney Brak, Israel

3.5

3.8

28

Trading, Investing

Web and Mobile

12 million

Visit Website

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The Top Fintech Apps & Platforms of 2022

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