The United Kingdom stands at the forefront of Europe’s fintech landscape, boasting the largest fintech industry on the continent. Not only does the UK fintech sector showcase the highest number of fintechs in the region, but it also serves as the headquarters for some of the most valuable fintech unicorns in Europe. In fact, as of October 2025, four of the five largest fintech unicorns in Europe were all based in the UK.
Detailed statistics
Number of fintechs in the UK 2008-2025
Detailed statistics
Number of fintech users in the UK 2017-2029, by segment
Detailed statistics
Value of deposits at digital banks in the United Kingdom 2017-2030
Number of fintechs in Europe 2025, by country
Number of fintechs in Europe as of December 2025, by selected country
Value of investment into fintech in the UK 2014-2024
Total value of investment into fintech in the United Kingdom (UK) from 2014 to 2024 (in billion U.S. dollars)
Number of fintechs in the UK 2008-2025
Total number of fintechs and number of new fintechs founded in the United Kingdom (UK) from 2008 to 2025
Number of fintech users in the UK 2017-2029, by segment
Number of fintech users in the United Kingdom (UK) from 2017 to 2024, with a forecast until 2029, by segment (in millions)
Leading fintechs in the UK 2025, by valuation
Leading fintech companies in the United Kingdom (UK) as of January 2025, by valuation (in billion GBP)
Leading countries in Europe by fintech investment value 2025
Value of investment in the fintech sector in Europe in 2025, by country (in billion U.S. dollars)
Leading countries in Europe by number of fintech investment deals 2025
Number of investments in the fintech sector in Europe in 2025, by country
Online banking penetration in the UK 2007-2024
Penetration rate of online banking in the United Kingdom (UK) from 2007 to 2024
Number of digital banking users in the United Kingdom 2017-2030
Number of digital banking users in the United Kingdom from 2017 to 2030 (in millions)
Net interest income of digital banks in the United Kingdom 2017-2030
Net interest income of digital banks in the United Kingdom from 2017 to 2030 (in billion U.S. dollars)
Value of deposits at digital banks in the United Kingdom 2017-2030
Value of deposits at digital banks in the United Kingdom from 2017 to 2030 (in billion U.S. dollars)
Neobanking and neobrokerage popularity in the UK 2025, by brand
Neobanking and neobrokerage awareness, popularity, and usage in the United Kingdom (UK) in 2025, by brand
Number of customers at selected digital banks in the UK 2026
Number of customers at selected digital banks in the United Kingdom (UK) in 2026 (in millions)
Most used in-store (POS) payment methods in the UK 2017-2025, with 2030 forecast
Market share of cash, credit cards, and other payment methods at point of sale (POS) in the United Kingdom (UK) from 2017 to 2025, with a forecast for 2030
Penetration rate of credit cards in the United Kingdom 2011-2050
Penetration rate of credit cards in the United Kingdom from 2011 to 2050
Penetration rate of debit cards in the United Kingdom 2011-2050
Penetration rate of debit cards in the United Kingdom from 2011 to 2050
Annual credit card spending in the UK 2012-2023, in local currency and USD
Value of credit card transactions for payments in the United Kingdom (UK) from 2012 to 2023 (in million GBP, and estimates in U.S. dollars)
Annual debit card spending in the UK 2012-2024, in local currency and USD
Value of debit card transactions for payments in the United Kingdom (UK) from 2012 to 2024 (in million GBP, and estimates in U.S. dollars)
Annual contactless spending in the UK 2014-2024, in local currency and USD
Value of overall contactless transactions for payments in the United Kingdom (UK) from 2014 to 2024 (in million GBP, and estimates in U.S. dollars)
Most common online payments by type in the UK 2025
Most common online payments by type in the UK as of September 2025
Biggest contactless payment brands at POS in the UK 2024
Biggest contactless payment brands at POS in the UK as of December 2024
Biggest e-commerce payment brands in the UK 2024
Biggest e-commerce payment brands in the UK as of December 2024
Biggest buy now, pay later (BNPL) apps in the UK 2015-2025, based on downloads
Biggest buy now, pay later (BNPL) apps in the United Kingdom (UK) from 1st quarter of 2015 to 2nd quarter of 2025, by number of downloads
Annual crypto adoption development in the UK 2020-2025, by metric
Crypto Adoption Index ranking of the United Kingdom (UK) from 2020 to 2025, by metric
Annual number of crypto users in the UK 2017-2023
Estimated number of people who hold or trade cryptocurrency in the United Kingdom (UK) from 2017 to 2023
Biggest cryptocurrency wallets in the UK 2015-2025, based on downloads
Biggest wallets for cryptocurrency storage in the United Kingdom (UK) from 1st quarter of 2015 to 1st quarter of 2025, by number of downloads
Value of open banking transactions worldwide and in the UK 2023 and 2027
Value of open banking transactions worldwide and in the United Kingdom (UK) in 2023, with a forecast for 2027 (in billion U.S. dollars)
Number of open banking users in the UK 2019-2026
Number of open banking users in the United Kingdom (UK) from November 2019 to May 2026 (in millions)
Number of open banking users in the UK 2023-2025, by type of service
Number of open banking users in the United Kingdom (UK) from 2023 to 2025, by type of service (in millions)
Estimated open banking adoption in the UK 2021-2025
Open banking adoption in the digitally enabled population in the United Kingdom (UK) from 2021 to 2025
Number of successful API calls made using ASPSPs open banking APIs in UK 2018-2025
Successful API calls made by third party providers (TPPs) using account providers (ASPSPs) Open Banking APIs in the United Kingdom (UK) from June 2018 to February 2025 (in millions)
Number of successful payments through open banking APIs UK 2021-2025
Number of successful payment initiations made by third party providers using account providers' (ASPSPs) open banking Application Programming Interfaces (APIs) from January 2021 to February 2025 (in millions)
Share of technology budget spent on gen AI in the UK 2024-2025, by industry
Share of technology budget spent on generative artificial intelligence (AI) in the United Kingdom (UK) 2024 and 2025, by industry
Main challenges of scaling GenAI in financial services in the UK 2024
Primary barriers of scaling generative AI (GenAI) in financial services in the United Kingdom (UK) in 2024
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