100 Best FinTech Apps for Founders and Small Teams
Fintech tools can replace fragmented financial workflows with more connected ways to collect payments, manage spending, and serve customers. This first installment covers positions 1 through 25 in our editorial selection.
Stripe
Stripe provides payment processing, billing, and financial infrastructure for businesses selling online. It helps founders avoid building card payments and recurring billing systems from scratch.
Square
Square offers point-of-sale tools, payment processing, invoices, and business management services. It helps merchants accept in-person and online payments without stitching together separate systems.
PayPal
PayPal lets consumers and businesses send, receive, and process payments through digital accounts. It helps small businesses offer a familiar payment option to customers across many markets.
Wise
Wise supports international money transfers and multi-currency accounts using transparent exchange-rate pricing. It helps internationally focused teams reduce friction when paying suppliers or receiving foreign currencies.
Revolut
Revolut provides digital accounts, cards, currency exchange, and business finance tools in supported regions. It helps founders manage everyday spending and multiple currencies from one financial app.
Robinhood
Robinhood is an investing platform for trading stocks, exchange-traded funds, options, and cryptocurrencies. It helps individual investors access market investing through a streamlined mobile-first interface.
Coinbase
Coinbase provides a platform for buying, selling, storing, and managing cryptocurrency assets. It helps users navigate cryptocurrency transactions without independently managing complex wallet infrastructure.
Chime
Chime offers mobile banking services, debit cards, savings features, and credit-building products. It helps customers manage routine banking tasks through a mobile-centered financial experience.
Monzo
Monzo provides app-based current accounts, debit cards, budgeting tools, and savings features. It helps customers see spending activity quickly and organize money into separate savings pots.
Klarna
Klarna provides checkout payment options, including pay-later and installment plans for shoppers. It helps merchants offer flexible checkout choices without directly administering consumer repayment schedules.
Affirm
Affirm offers installment financing options that merchants can present during customer checkout. It helps shoppers spread eligible purchases over time while merchants support alternative payment methods.
Brex
Brex provides corporate cards, expense management, and spend controls for growing businesses. It helps companies centralize employee spending policies and reduce manual expense oversight.
Ramp
Ramp offers corporate cards, expense management, bill payment, and spending controls for businesses. It helps finance teams monitor company spending and enforce purchasing policies more consistently.
Mercury
Mercury provides business banking services, cards, payments, and treasury products for startups. It helps startup teams separate business finances and manage cash through digital banking tools.
Plaid
Plaid connects financial applications with users' bank accounts through application programming interfaces. It helps developers build account-linking features without creating direct bank integrations individually.
QuickBooks
QuickBooks provides accounting, invoicing, expense tracking, payroll, and financial reporting tools. It helps small businesses replace scattered spreadsheets with organized books and routine financial records.
Xero
Xero is cloud accounting software for invoicing, bank reconciliation, bills, and financial reporting. It helps teams keep accounting records current by connecting transactions with bookkeeping workflows.
BILL
BILL provides accounts payable, accounts receivable, invoicing, and business payment workflow tools. It helps businesses reduce manual bill handling and track approval steps before payments.
Gusto
Gusto provides payroll, benefits administration, hiring, and human resources tools for employers. It helps small teams handle payroll obligations without manually calculating wages and tax withholdings.
Deel
Deel provides payroll, contractor payments, hiring support, and compliance tools for global teams. It helps companies pay international workers while managing localized employment and contractor documentation.
Rippling
Rippling combines payroll, benefits, expenses, devices, and identity management for workforce operations. It helps growing teams reduce duplicate employee data entry across finance and operations systems.
Expensify
Expensify automates expense reports, receipt tracking, reimbursements, invoicing, and corporate card management. It helps employees submit expenses faster and gives finance teams clearer reimbursement records.
Venmo
Venmo enables people to send money, request payments, and pay participating businesses digitally. It helps individuals settle shared costs without handling cash or collecting bank details.
Zelle
Zelle enables eligible bank customers to send and receive money through participating banking apps. It helps customers move money to known contacts directly from their existing bank relationship.
Cash App
Cash App offers peer-to-peer payments, debit cards, investing features, and bitcoin-related services. It helps users manage everyday money transfers and selected financial activities within one app.
Adyen
Adyen provides businesses with payment processing, point-of-sale tools, and unified commerce capabilities. It helps merchants reduce complexity by managing online, in-store, and mobile payments through one platform.
Checkout.com
Checkout.com offers payment processing infrastructure for businesses accepting digital payments across markets. It helps growing companies handle cross-border payment acceptance without building their own processing infrastructure.
Braintree
Braintree provides payment gateway and processing services for web, mobile, and marketplace businesses. It helps developers accept cards and digital wallets through integrations designed for online commerce.
GoCardless
GoCardless enables businesses to collect recurring payments directly from customers' bank accounts. It helps subscription businesses reduce manual collection work and reliance on recurring card charges.
Tipalti
Tipalti automates accounts payable workflows, supplier payments, tax forms, and payment reconciliation. It helps finance teams replace fragmented vendor-payment processes with more standardized operational workflows.
Airwallex
Airwallex provides business accounts, international payments, cards, and foreign exchange tools. It helps international businesses manage currencies and pay overseas suppliers with fewer banking workarounds.
Payoneer
Payoneer offers cross-border payment services and accounts for businesses, freelancers, and marketplaces. It helps global workers receive client payments when traditional local banking options are limited.
Worldpay
Worldpay provides payment acceptance, processing, and merchant services for businesses of various sizes. It helps merchants accept multiple payment methods while consolidating transaction processing operations.
SoFi
SoFi offers consumer financial products including banking, investing, lending, and credit cards. It helps consumers access several core financial products without coordinating multiple providers.
Acorns
Acorns offers automated investing tools that can invest spare change from everyday purchases. It helps new investors begin investing regularly without needing to make large manual contributions.
Betterment
Betterment provides digital investment management, retirement accounts, and cash management products. It helps investors automate portfolio management when they lack time or confidence to manage allocations.
Wealthfront
Wealthfront offers automated investing, cash accounts, and financial planning tools for consumers. It helps users organize savings and investment decisions through automated portfolio management.
M1
M1 provides self-directed investing tools that let users build and manage customized portfolios. It helps investors maintain chosen portfolio allocations without placing every individual trade manually.
Fidelity Investments
Fidelity Investments provides brokerage accounts, retirement accounts, trading, and personal finance services. It helps investors manage long-term savings and investments within a single financial institution.
Vanguard
Vanguard offers investment accounts, mutual funds, exchange-traded funds, and retirement planning services. It helps savers access diversified investment products for building long-term retirement portfolios.
Interactive Brokers
Interactive Brokers provides brokerage services and trading tools for investors across global markets. It helps active investors access multiple asset classes and international exchanges from one account.
YNAB
YNAB is a budgeting app that assigns available money to user-defined spending categories. It helps households plan spending deliberately instead of reacting after money has already been spent.
NerdWallet
NerdWallet provides personal finance content and tools for comparing financial products and options. It helps consumers research credit cards, loans, and banking products before making financial decisions.
Credit Karma
Credit Karma offers credit monitoring and personalized financial product recommendations for consumers. It helps people track credit changes and identify financial products relevant to their credit profile.
Tink
Tink provides open banking technology that connects financial data and payment services for businesses. It helps financial companies build account-data and bank-payment features without creating every connection themselves.
Marqeta
Marqeta provides card issuing technology that lets businesses create configurable payment card programs. It helps companies launch card-based products without becoming responsible for building issuing infrastructure.
iZettle
iZettle, part of PayPal, provides card readers and payment tools for small businesses. It helps small merchants accept in-person card payments without traditional countertop payment terminals.
Fundrise
Fundrise offers investment products that provide individuals access to private market real estate strategies. It helps investors pursue real estate exposure without directly buying and managing physical properties.
Kabbage
Kabbage provides small-business financial services, including cash-flow tools and business checking through American Express. It helps small businesses monitor cash flow and access financial tools tailored to business operations.
Navan
Navan combines business travel booking, expense management, and payment tools for organizations. It helps teams control travel spending while reducing the administrative burden of expense reporting.
Toast
Toast provides restaurant point-of-sale, payment processing, ordering, and operational management tools. It helps restaurant operators replace disconnected ordering and payment workflows with a centralized system.
Shopify Payments
Shopify Payments lets merchants accept card payments directly through their Shopify stores. It reduces the setup burden of connecting a separate payment processor to an online store.
N26
N26 offers mobile banking accounts with debit cards, spending insights, and transfer features. It helps customers manage everyday banking tasks without relying on a traditional bank branch.
Starling Bank
Starling Bank provides digital current accounts, debit cards, budgeting features, and business banking. It gives users clearer account visibility when conventional banking apps feel cumbersome or fragmented.
Wealthsimple
Wealthsimple offers investing, managed portfolios, trading, and cash account services in supported markets. It helps newer investors access straightforward digital tools for saving and investing.
LendingClub
LendingClub provides personal loans, banking products, and refinancing options through its digital platform. It helps borrowers compare and apply for financing without visiting multiple physical lenders.
Upstart
Upstart operates a lending marketplace that connects borrowers with partner banks and credit unions. It helps applicants seek personal loans through an online application process.
Prosper
Prosper offers an online marketplace for personal loans, home equity products, and credit cards. It gives consumers another digital route for exploring borrowing options beyond their primary bank.
Remitly
Remitly enables international money transfers to recipients through bank deposits, cash pickup, and mobile wallets. It helps senders move money abroad when recipients need accessible local delivery options.
Western Union
Western Union supports domestic and international money transfers through digital channels and agent locations. It helps people send funds across borders when bank-to-bank transfers are unavailable or impractical.
Apple Pay
Apple Pay enables contactless payments and digital wallet transactions using compatible Apple devices. It reduces the need to carry physical cards during in-store purchases and online checkout.
Google Pay
Google Pay stores payment methods for contactless purchases and online transactions on compatible devices. It streamlines checkout by letting users pay without repeatedly entering card details.
Samsung Wallet
Samsung Wallet stores payment cards, digital keys, passes, and identification on compatible Samsung devices. It helps users consolidate frequently needed cards and credentials into one mobile wallet.
Capital One Mobile
Capital One Mobile lets customers manage accounts, cards, payments, transfers, and alerts digitally. It helps account holders monitor balances and complete routine banking tasks away from a branch.
Discover Mobile
Discover Mobile allows customers to manage Discover credit cards, banking accounts, and rewards. It helps cardholders track transactions and make payments without calling customer support.
American Express
The American Express app lets cardmembers review spending, pay bills, and access membership benefits. It helps cardmembers keep up with charges and account actions from a single dashboard.
Current
Current offers mobile banking services, debit cards, savings features, and early direct deposit options. It helps customers seeking app-based account management avoid many branch-dependent banking routines.
Dave
Dave provides mobile banking tools and cash advance products for eligible users. It helps users address short-term cash-flow gaps before their next paycheck arrives.
EarnIn
EarnIn offers eligible users access to earned wages before their scheduled payday. It helps workers manage timing mismatches between completed work and regular payroll schedules.
Albert
Albert provides banking, budgeting, savings, and investing tools through a mobile application. It helps users organize several everyday money-management tasks within one digital service.
Empower Personal Dashboard
Empower Personal Dashboard aggregates financial accounts and provides budgeting, net-worth, and retirement planning tools. It helps users see their broader financial picture when accounts are spread across institutions.
TurboTax
TurboTax guides individuals and businesses through preparing and filing tax returns electronically. It helps filers navigate tax forms and calculations without manually completing every worksheet.
H&R Block
H&R Block offers tax preparation software, online filing, and access to tax professional support. It helps taxpayers choose between self-service filing and assisted help for complicated returns.
FreshBooks
FreshBooks provides invoicing, expense tracking, time tracking, and accounting tools for small businesses. It helps service businesses replace manual billing records with organized client and invoice management.
Wave
Wave offers invoicing, accounting, payments, and payroll tools for small businesses in supported regions. It helps small operators track income and expenses without maintaining separate financial spreadsheets.
Rocket Money
Rocket Money tracks linked accounts, subscriptions, bills, spending, and budgets in one personal finance dashboard. It helps users identify recurring charges and overspending when transactions are scattered across multiple accounts.
Copilot Money
Copilot Money aggregates financial accounts and categorizes transactions to provide budgeting and spending insights. It reduces the effort of manually sorting purchases and monitoring cash flow across banks and cards.
Monarch Money
Monarch Money combines account tracking, budgeting, goal planning, and collaboration tools for household finances. It helps households coordinate shared financial decisions without relying on separate spreadsheets and disconnected banking apps.
Goodbudget
Goodbudget uses digital envelopes to help users allocate income toward planned spending categories. It addresses unpredictable discretionary spending by making category limits visible before money is spent.
PocketGuard
PocketGuard analyzes linked accounts, bills, and budgets to estimate available money for everyday spending. It helps users avoid spending funds needed for upcoming bills, savings goals, and recurring obligations.
Quicken Simplifi
Quicken Simplifi tracks accounts, spending plans, bills, and savings goals through a unified dashboard. It gives users a clearer view of monthly cash flow when traditional account statements feel fragmented.
Quicken
Quicken provides personal finance software for tracking accounts, budgets, investments, loans, and bills. It helps people manage detailed financial records when basic banking apps lack long-term planning tools.
TaxAct
TaxAct provides online tax preparation software for completing and filing federal and state tax returns. It guides filers through tax forms and calculations that can be difficult to complete independently.
FreeTaxUSA
FreeTaxUSA offers online software for preparing federal and state individual income tax returns. It helps taxpayers organize return information and navigate filing requirements without manually completing every form.
TaxSlayer
TaxSlayer provides online tax preparation tools for individuals filing federal and state income tax returns. It simplifies tax filing for users who need structured prompts for deductions, income, and credits.
Koinly
Koinly imports cryptocurrency transactions and generates portfolio tracking and tax reporting information. It helps crypto holders reconcile trades across wallets and exchanges for tax-time recordkeeping.
CoinTracker
CoinTracker tracks cryptocurrency holdings across exchanges and wallets while preparing tax-related transaction reports. It reduces the challenge of calculating gains and losses from crypto activity across disconnected platforms.
Ledger Live
Ledger Live lets users manage crypto assets, review portfolios, and interact with Ledger hardware wallets. It helps hardware wallet owners monitor and manage digital assets without handling separate wallet interfaces.
MetaMask
MetaMask is a self-custody crypto wallet for managing tokens and connecting with decentralized applications. It gives users a way to access blockchain applications without depending solely on centralized exchanges.
Kraken
Kraken is a cryptocurrency platform for buying, selling, holding, and trading supported digital assets. It provides a centralized interface for users seeking to trade crypto without managing peer-to-peer transactions.
Gemini
Gemini is a cryptocurrency platform that enables users to buy, sell, store, and trade digital assets. It helps users access cryptocurrency markets through an account-based service rather than separate wallet setups.
Bitstamp
Bitstamp operates a cryptocurrency exchange where users can trade and hold supported digital assets. It offers a venue for converting between crypto assets and traditional currencies through market orders.
eToro
eToro provides an investing platform for trading selected stocks, exchange-traded funds, and other assets. It helps self-directed investors place trades and follow market activity from a single account interface.
Webull
Webull offers a brokerage platform for trading stocks, exchange-traded funds, options, and other securities. It gives active investors market data and trading tools without requiring a traditional broker workflow.
Public
Public is an investing platform that provides access to stocks, exchange-traded funds, bonds, and treasuries. It helps investors build portfolios across several asset types without opening separate specialized accounts.
Stash
Stash offers investing and banking tools designed to help users build recurring investing habits. It supports beginners who want guided investing routines instead of making every investment decision alone.
tastytrade
tastytrade is a brokerage platform focused on options, futures, stocks, and exchange-traded fund trading. It serves options-focused traders who need specialized order tools and market analysis in one platform.
Melio
Melio helps small businesses pay vendors and manage accounts payable through digital payment workflows. It reduces manual bill payment work for businesses juggling vendor invoices, payment methods, and due dates.
AvidXchange
AvidXchange provides accounts payable automation software for invoice processing, approval workflows, and supplier payments. It helps finance teams replace paper-heavy invoice processes that delay approvals and vendor payments.
Float
Float provides Canadian businesses with corporate cards, expense management, and bill payment capabilities. It helps companies control employee spending and consolidate expense records that otherwise require manual reconciliation.
The next entries expand this editorial list with additional tools for payments, lending, investing, accounting, and financial operations.