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Top 100 Banking Startups to Watch in 2026

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The global banking sector continues to see new entrants focused on technology. London's Monzo has attracted $1.8B in funding, and Miami's Citadel Securities has secured $1.2B.

This industry also includes long-standing firms like Lead, founded in 1928, and recent companies like Flex, which began in 2022.

Below is our list of 100 Banking startups worth keeping an eye on.

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Tide created a business financial platform that gives small and medium-sized enterprises a unified tool for banking, invoicing, and accounting. Their platform helps business owners save time by bringing key administrative and financial tasks into one place.

HeadquartersLondon, England, United Kingdom
Year Founded2015
FoundersGeorge Bevis
Funding Amount$442.2M
Startup SizeMajor Organization (1,001-5,000)
Last Funding StatusPrivate Equity
Top InvestorsTPG, Speedinvest, LocalGlobe, Creandum, Goodwater Capital

Monzo built a digital bank that helps people manage their money through a user-friendly mobile app. Their platform is known for its innovative features and transparent approach to personal finance.

HeadquartersLondon, England, United Kingdom
Year Founded2015
FoundersGary Dolman, Jason Bates, Jonas Huckestein, Paul Rippon, Tom Blomfield
Funding Amount$1.8B
Startup SizeMajor Organization (1,001-5,000)
Last Funding StatusSecondary Market
Top InvestorsGeneral Catalyst, Accel, Stripe, HSG, Y Combinator

Moniepoint provides an all-in-one financial platform that gives businesses access to banking, payments, and credit. Their suite of tools helps small and medium-sized enterprises manage their money and business operations.

HeadquartersLondon, England, United Kingdom
Year Founded2015
FoundersFelix Ike, Tosin Eniolorunda
Funding Amount$233.1M
Startup SizeMajor Organization (1,001-5,000)
Last Funding StatusCorporate Round
Top InvestorsQED Investors, Lightrock, Novastar Ventures, Endeavor Catalyst, Bossa Invest

Citadel Securities provides critical liquidity to global financial markets, operating as a leading market maker across equities, fixed income, and other asset classes. Their platform relies on sophisticated technology and quantitative analysis to support stable and efficient trading for a diverse range of clients.

HeadquartersMiami, Florida, United States
Year Founded2002
FoundersKenneth Griffin, Peng Zhao
Funding Amount$1.2B
Startup SizeMajor Organization (1,001-5,000)
Last Funding StatusVenture Round
Top InvestorsSequoia Capital, Paradigm

Jupiter provides a digital banking app that offers smart insights based on user spending habits. The platform helps people in India manage their finances by combining a bank account with automated savings and investment tools.

HeadquartersMumbai, Maharashtra, India
Year Founded2019
FoundersJitendra Gupta
Funding Amount$169.5M
Startup SizeLarge Team (251-1,000)
Last Funding StatusVenture Round
Top InvestorsQED Investors, Peak XV Partners, Z47, 3one4 Capital, Tiger Global Management

Branch provides a financial wellness platform that allows businesses to offer their employees instant access to earned wages. Their platform also includes a digital wallet and debit card, giving workers more control over their finances without waiting for a traditional payday.

HeadquartersMinneapolis, Minnesota, United States
Year Founded2015
FoundersAtif Siddiqi, Divydeep Agarwal
Funding Amount$638.1M
Startup SizeLarge Team (251-1,000)
Last Funding StatusVenture Round
Top InvestorsGeneral Atlantic, Techstars, Bonfire Ventures, Right Side Capital Management, M25

Lead delivers a Banking as a Service platform that provides financial infrastructure for fintech companies, businesses, and individuals. Their model combines a legacy of community banking with a modern focus on enabling innovation through fintech partnerships.

HeadquartersKansas City, Missouri, United States
Year Founded1928
FoundersErica Khalili, Homam Maalouf, Jacqueline Reses, Ronak Vyas
Funding Amount$170M
Startup SizeMid-Size Team (51-250)
Last Funding StatusSeries B
Top InvestorsAndreessen Horowitz, Khosla Ventures, Ribbit Capital, ICONIQ Capital, Coatue

Flex developed an all-in-one finance platform for business owners to manage their company and personal accounts together. Their super app provides a real-time view of a user's entire net worth and includes products like a credit-building debit card.

HeadquartersMiami, Florida, United States
Year Founded2022
FoundersHadi Solh, Zaid Rahman
Funding Amount$348M
Startup SizeMid-Size Team (51-250)
Last Funding StatusDebt Financing
Top InvestorsHustle Fund, Titanium Ventures, Florida Funders, Chapter One, Suffolk Technologies

Honest develops financial products focused on fairness and transparency for consumers across Southeast Asia. Their flagship offering is a numberless credit card, which pairs with a mobile app to give users complete control over their account.

HeadquartersJakarta, Jakarta Raya, Indonesia
Year Founded2019
FoundersPeter Panas, Will Ongkowidjaja
Funding Amount$199.2M
Startup SizeMid-Size Team (51-250)
Last Funding StatusVenture Round
Top InvestorsAlumni Ventures, Village Global, Goodwater Capital, XYZ Venture Capital, Better Capital

Mambu offers a true SaaS cloud platform that serves as the core for modern banking operations. Their composable architecture allows financial institutions to rapidly build and deploy new services.

HeadquartersAmsterdam, Noord-Holland, The Netherlands
Year Founded2011
FoundersEugene Danilkis, Frederik Pfisterer, Sofia Nunes
Funding Amount€387M
Startup SizeLarge Team (251-1,000)
Last Funding StatusSeries E
Top InvestorsBessemer Venture Partners, TCV, EQT, Tiger Global Management, Point Nine

90 Additional Banking Startups Worth Following

Our top ten picks offer a great snapshot, but they're only part of a much bigger picture. Many of the companies you'll see have raised huge rounds, with several already passing the billion-dollar funding mark. You'll find a lot of fintech companies, along with a growing number of startups using AI to build smarter financial products. Here’s a look at the rest of the startups that are changing the way we bank.

StartupMain IndustryYear FoundedAmount RaisedLast Funding Round
Grasshopper Bank logo Grasshopper BankFintech2016$218.8MPrivate Equity
Aspire logo AspireFintech2018$299.5MSeries C
Acuity Knowledge Partners logo Acuity Knowledge PartnersAnalytics2004$600MDebt Financing
Backbase logo BackbaseFintech2003€120MDebt Financing
Teylor logo TeylorFintech2018$488.7MDebt Financing
Varo Bank logo Varo BankMedia2015$1.1BSeries G
Casca logo CascaAI2023$32.9MSeries A
OakNorth logo OakNorthFintech2015$1B
FinBox logo FinBoxAI2015$55MSeries B
Amount logo AmountFintech2019$313MVenture Round
Brex logo BrexFintech2017$1.5BVenture Round
bunq logo bunqFintech2012€366.9MVenture Round
Mercury logo MercuryFintech2017$452.2MSeries C
ModernFi logo ModernFiFintech2022$58.2MSeries B
Ola logo OlaFintech2021$120kPre-Seed
Vinlivt logo VinlivtFintech2022$6.7MSeed
LemFi logo LemFiFintech2020$86.9MSeries B
MARS logo MARSFintech2020$2.7MSeed
Sila logo SilaFintech2018$20.7MSeries A
Ocrolus logo OcrolusAI2014$127MSeries C
Capitolis logo CapitolisFintech2017$337.8MVenture Round
SpinSci Technologies logo SpinSci TechnologiesFintech2005$53MPrivate Equity
TrueLayer logo TrueLayerFintech2016$321.5MSeries E
BVNK logo BVNKEnterprise2021$90.1MSeries B
Papaya logo PapayaFintech2016$65.1MSeries B
Plaid logo PlaidFintech2013$1.3BVenture Round
PenFed Credit Union logo PenFed Credit UnionFintech1935$845.9MDebt Financing
Zeni logo ZeniFintech2019$47.5MSeries B
ClearBank logo ClearBankFintech2015$627.4MPrivate Equity
Climate First Bank logo Climate First BankFintech2018$46MVenture Round
Greenlight logo GreenlightFintech2014$556.5MSeries D
TransBnk logo TransBnkFintech2022$34MSeries B
Moneybox logo MoneyboxFintech2015$211.3MSecondary Market
Solaris logo SolarisFintech2015$621.1MSeries G
Narmi logo NarmiFintech2016$55.5MSeries B
BRAC Bank logo BRAC BankFintech2001$110MDebt Financing
Welcome Tech logo Welcome TechFintech2010$80.5MVenture Round
Hummingbird logo HummingbirdAnalytics2016$41.2MSeries B
Starling Bank logo Starling BankFintech2014$1.1BSeries D
FirstBank logo FirstBankFintech1901$43MVenture Round
Mantra logo MantraFintech2020$20MVenture Round
Tarabut logo TarabutFintech2018$57MSeries A
Float logo FloatFintech2020$17.2MDebt Financing
Chip logo ChipFintech2016£56.4MEquity Crowdfunding
GXS Bank logo GXS BankFintech2022$228.9MCorporate Round
Bluevine logo BluevineFintech2013$769.2MDebt Financing
MainStreet logo MainStreetFintech2019$64.7MSeries B
D360 bank logo D360 bankFintech2020SAR1.7BVenture Round
Umony logo UmonyFintech2017$15MSeries A
Upgrade logo UpgradeFintech2016$587MSeries F
Revolut logo RevolutFintech2015$1.9BSeries E
Berenberg logo BerenbergFintech1590$500MPrivate Equity
AMINA Bank AG logo AMINA Bank AGFintech2018CHF230MSeries C
Ignosis logo IgnosisAnalytics2022$4MSeed
Baselane logo BaselaneFintech2020$42.3MSeries B
SIX logo SIXFintech2008CHF250MDebt Financing
Boost Payment Solutions logo Boost Payment SolutionsEnterprise2009$34MSeries C
Relay logo RelayFintech2018$51.6MSeries B
Slash logo SlashFintech2020$60MSeries B
ONE ZERO logo ONE ZEROFintech2019$282MUndisclosed
Maya logo MayaFintech2013$712MConvertible Note
Planet Home Lending logo Planet Home LendingFintech2007$475MDebt Financing
Arab African International Bank logo Arab African International BankFintech1964$500MDebt Financing
First City Monument Bank logo First City Monument BankFintech1982$220.7MDebt Financing
Shield USDT logo Shield USDTFintech2022$7.1MSeed
Prime Bank logo Prime BankFintech1995$115MDebt Financing
Instant Financial logo Instant FinancialFintech2015$28MVenture Round
Quavo Fraud & Disputes logo Quavo Fraud & DisputesFintech2015$311MPrivate Equity
N26 logo N26Fintech2013$1.7BSeries E
Found logo FoundFintech2019$121.2MSeries C
Hartree Partners logo Hartree PartnersFintech1997$4.1BDebt Financing
Seyna logo SeynaFintech2018$57MVenture Round
Kanastra logo KanastraFintech2022$63.7MSeries B
Mazlo logo MazloFintech2022$5.7MSeed
Piggyvest logo PiggyvestFintech2016$4.2MSeed
MAJORITY logo MAJORITYFintech2019$113.3MSeries B
Fraud.net logo Fraud.netAnalytics2016$5MSeries A
BwaTech logo BwaTechFintech2020$16MVenture Round
HiHello logo HiHelloMedia2018$10MSeries A
Algbra logo AlgbraFintech2020£8.8MVenture Round
Fora Financial logo Fora FinancialFintech2008$482.9MDebt Financing
Ondato logo OndatoFintech2018$11.2MSeed
GrowXCD Finance logo GrowXCD FinanceFintech2022₹2.5BVenture Round
Iterate.ai logo Iterate.aiAI2013$10.7MVenture Round
BankDhofar logo BankDhofarFintech1990$250MDebt Financing
Baseload Capital logo Baseload CapitalFintech2018$146.9MCorporate Round
Synctera logo SyncteraFintech2020$94MSeries A
Arva AI logo Arva AIAI2024$3.1MSeed
10X Banking logo 10X BankingFintech2016$297MVenture Round
Mos logo MosFintech2017$57.3MSeries B

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