Best Financial Software – The Ultimate List

April 2024

Financial software quickly became one of the most important tools of everyday people. No matter if it’s digital nomads or more conventional digital users – everyone wants to have control over money. And have means of this control. Financial software is increasingly based on mobile devices, which require both solid architecture and thought-out functionalities. Which products are worth the user’s time?

What counts as financial software?

Before we answer that, let’s consider a simple fact – not every product can be called “financial software”. There are some unspoken rules.

First of all, the product should simplify a user’s life. Give access to a bank account or open banking solutions. Give access to at least a few payment options. It should also help unbanked in poorer countries, where traditional financial or technical infrastructure excludes vast groups of people from reaching their potential.

The investment would also be good since many people want to be part of local or even global financial markets. Financial software should help them with that, giving them a chance to multiply their savings. Virtual assistants can do that, providing answers to frequently asked questions.

All of this raises the question of security and protecting user data. Tailored FinTech software development services should help with that, providing an implemented list of features protecting the app.

The criteria for successful financial software

FinTech became so successful because it focused on what people really needed instead of what corporations wanted them to care about. FinTech is largely for people that are not necessarily technical savvy. That’s absolutely OK. Financial software came to the rescue by simplifying the design of applications, without sacrificing performance and features. Smooth UX/UI design, provided by financial software development services companies surely helped with that.

Financial software should be simple but not dumbed down. Applications should provide quick access to all basic and most important functionalities and offer more for advanced users. Security should be an absolute priority in any case; it builds credibility and helps companies gain traction with their product. Security is also an important part of compliance, which is a must for all the FinTechs out there.

FinTech is demanding

Creating a performing FinTech application is not an easy thing to do. The market is saturated and with fierce competition entering it every year, it’s increasingly difficult to stand out. That’s why it’s important to cover the basics in the best way possible. A financial software development company should always start by understanding the business and go from there. No matter if it’s insurance, law, or loan software, for example.

The list of financial software products

1

Addepar

250+ Employees
Mountain View, United States
Est. 2009
Addepar is a wealth management platform that specializes in data aggregation, analytics, and reporting for even the most complex investment portfolios.

The company’s platform aggregates portfolio, market, and client data all in one place. It provides asset owners and advisors a clearer financial picture at every level, allowing them to make more informed and timely investment decisions. Addepar works with hundreds of leading financial advisors, family offices and large financial institutions that manage data for over $2.5 trillion of assets on the company’s platform. In 2020, Addepar was named as a Forbes Fintech 50 company and honored as a member of the CB Insights Fintech 250.
Specialities
  • Data Aggregation
  • Financial Asset Management
  • Reporting
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2

Chainalysis

250+ Employees
New York, United States
Est. 2014
Chainalysis offers cryptocurrency investigation and compliance solutions to global law enforcement agencies, regulators, and businesses as they work together to fight illicit cryptocurrency activity.

Backed by Benchmark and other leading names in venture capital, Chainalysis builds trust in blockchains.
Specialities
  • Bitcoin
  • Analytics
  • Investigation Tools
  • Compliance
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3

Currencycloud

250+ Employees
London, United Kingdom
Est. 2012
Currencycloud gives Banks and FinTechs the capability to move money across borders, and transact globally in multiple currencies, fast. They make it easy for clients to embrace digital wallets, and even to embed finance into the core of their business – no matter what industry they’re in. Clients can simply plug in, and they’re off – knowing that Currencycloud has taken on all the complexity of multi-currency cross-border business on their behalf.
Specialities
  • International Payments
  • Low Cost Payments
  • Foreign Exchange
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4

Curve

250+ Employees
London, United Kingdom
Est. 2015
Curve connects your debit and credit cards into one so it’s the only card you ever need to carry (and the only pin you ever need to remember!) With great exchange rates, rewards, and insights across your accounts, you don’t need to move banks to improve them. All you need is Curve.
Specialities
  • Payments
  • CashBack
  • eWallet
  • Credit Card
  • Debit Card
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5

Dealogic

250+ Employees
London, United Kingdom
Est. 1983
As a partner to hundreds of firms worldwide, Dealogic connects banks and investors in the only truly global network. The Dealogic platform provides integrated content, analytics, and technology that helps clients originate the right opportunities, distribute deals to the right buyers, and ensure seamless and transparent consumption of resources.
Specialities
  • Investment Banking
  • Capital Markets
  • Trading & Research
  • Capital Markets Analysis
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6

emerchantpay

250+ Employees
London, United Kingdom
Est. 2002
Emerchantpay is a leading payment service provider specialising in global payment gateways, alternative payment methods, acquiring, and comprehensive data security products. Their team of experts works one-on-one with merchants to achieve their business goals by helping create a payments experience customers will love while increasing payment conversion rates and revenue. Emerchatpay connects businesses with customers across the globe in over 80 countries and 50+ local payment methods.
Specialities
  • Credit Card Processing Services
  • Alternative Payment Methods
  • Online Billing
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7

Exus

250+ Employees
London, United Kingdom
Est. 1989
EXUS is offering a debt collections and recovery software that manages credit risk along the whole lifecycle of accounts, from the moment of disbursement until write-off or debt sale, with fast and easy integrations in weeks.
Specialities
  • Debt Collection Software
  • Credit Scoring Software
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8

Leonteq

250+ Employees
Zürich, Switzerland
Est. 2007
Based on proprietary, modern technology, the company offers derivative investment products and services and predominantly covers the capital protection, yield enhancement, and participation product classes.

Leonteq acts as both a direct issuer of its own products and as a partner to other financial institutions. Leonteq further enables life insurance companies and banks to produce capital-efficient, unit-linked savings and drawdown solutions with guarantees.
Specialities
  • Structured Investment Products
  • Investment Technology Platform
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9

M1 Finance

250+ Employees
Chicago, United States
Est. 2015
M1 Finance is an all-in-one money management platform that helps self-directed investors achieve long-term financial wellness. You can create a custom portfolio, schedule your money moves, and rebalance your portfolio with one click. M1 empowers investors to automate away the everyday details of portfolio management, leaving more time to focus on the big picture.

M1’s platform is free, easy to use, and loaded with powerful features. You can use it on your iPhone, Android, or desktop computer.
Specialities
  • Personal Finance
  • Financial Asset Management
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10

Medius

250+ Employees
Linköping, Sweden
Est. 2001
Medius is a provider of cloud-based spend management solutions.

Their modular spend management suite includes solutions for strategic sourcing, contract management, procurement, accounts payable automation, payments, and supplier management as well as data insights tools bringing control, compliance and cost savings throughout the entire source-to-pay process.
Specialities
  • Invoice Automation
  • Expense Management
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11

Modulr

250+ Employees
London, United Kingdom
Est. 2015
Modulr provides a new type of payment account. Built for businesses that need a faster, easier and more reliable way to move money. Modulr accounts replace bank accounts for payments. They come with sort codes, access to payment schemes and everything you’d expect. But they’re faster, easier and more reliable. Instantly open as many as you need. Automate how you get paid, reconcile and make payments. All in real-time, 24/7 through your own systems. Modulr API integrates accounts into any platform. So you can easily streamline existing services and launch new payment products.
Specialities
  • Payments
  • Business Banking
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12

Plus500

250+ Employees
London, United Kingdom
Est. 2008
Plus500 is a CFDs trading digital platform suitable for trading anytime, anywhere.

Plus500 is a provider of Contracts for Difference (CFDs), delivering trading conditions on Shares, Forex, Commodities, and Indices alongside innovative trading technology. With the platform, you can monitor your balance, equity, and margin at all times. It provides real-time charts and live streaming quotes as well as multi-language 24/7 support.
Specialities
  • Contracts for Difference
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13

Railsbank

250+ Employees
London, United Kingdom
Est. 2014
Railsbank is an open banking API and platform that gives regulated and un-regulated companies access to global banking.

The Railsbank platform enables marketers, product managers, developers to take their financial product vision and rapidly prototype, launch and scale using its open finance platform, financial operations, regulatory licensing, and rich set of APIs. Using Railsbank’s super simple APIs as building blocks, customers can build pretty much any financial use-case they can imagine.
Specialities
  • Banking as a Platform
  • Embedded Finance
  • Banking APIs
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14

Raisin

250+ Employees
Berlin, Germany
Est. 2012
Raisin is a savings and investment marketplace that connects retail customers with banks looking to expand deposit reach.

Raisin provides an open banking infrastructure for the global deposit market that benefits banks and savers alike. For savers, it means more product choice and decision power, customer-facing institutions like banks benefit from best-in-class savings marketplace solutions for their own customers, and deposit-taking banks receive better access to deposit funding.
Specialities
  • Savings
  • Deposits
  • Investments
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15

Solarisbank

250+ Employees
Berlin, Germany
Est. 2016
Solarisbank is a Banking-as-a-Service platform with a full banking license that enables companies to offer their own financial products.

Through APIs, partners gain access to Solarisbank’s modular services including payments and e-money, lending, digital banking as well as services provided by integrated third-party providers. Through this, Solarisbank creates a highly developed technological banking ecosystem for fintechs and established digital companies, as well as banks and corporates.
Specialities
  • Payments
  • Banking as a Service
  • E-money
  • Lending
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16

Taxfix

250+ Employees
Berlin, Germany
Est. 2016
Every year millions of people are either filing their taxes in fear or giving up on their tax refund altogether. Taxfix is working on fixing that. Their intuitive app enables anyone, regardless of education or background, to file their taxes with newfound confidence.
Specialities
  • Bookkeeping
  • Accounting
  • Tax Declaration
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17

TrueLayer

250+ Employees
London, United Kingdom
Est. 2016
TrueLayer is a global open banking platform that makes it easy for anyone to build better financial experiences. Businesses of every size, from startups to large enterprises, use TrueLayer to power their payments, access financial insights, and onboard customers across 12 markets.
Specialities
  • Bank API
  • Payments API
  • Open Banking
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18

Yoco

250+ Employees
Cape Town, South Africa
Est. 2013
Yoco is the African payments provider for over 150 000 business owners and consistently processes over R1 billion in transactions each month. They do it through mobile app, payment processing backend, and data processing platform.
Specialities
  • Payments
  • Point of Sale
  • mCommerce
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19

Zuto

250+ Employees
Manchester, United Kingdom
Est. 2006
Zuto mission is to remove the complexity and hassle out of finding and financing a car. Zuto is passionate about matching people to a finance package that’s right for them. Zuto’s predictive algorithms find the most affordable finance package for their customers from over 80 lender products. This technology has helped over 100,000 people buy the car they want at a price they can afford.
Specialities
  • Car Finance
  • Car Loans
  • Car Buying Advice
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20

Appway

50-249 Employees
Zürich, Switzerland
Est. 2003
Appway automates workflows across people, systems, and data in financial services businesses.

Their software automates and accelerates core business processes, such as the onboarding of new clients, managing changing client circumstances, and regulatory reviews.
Specialities
  • Business Process Management
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21

Ascentric

50-249 Employees
Bath, United Kingdom
Est. 2007
Ascentric helps financial advisers manage their clients’ financial needs in one place. They believe that giving advisers choice through their investment platform and the service and support they offer is paramount, because everyone is different. Ascentric platform is only available to financial professionals.
Specialities
  • Investment Platform
  • In-House Stockbroking Service
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22

Calastone

50-249 Employees
London, United Kingdom
Est. 2007
Calastone is the global funds network, connecting the world’s leading financial organisations. Calastone’s mission is to help the asset management industry transform by creating innovative new ways to automate and digitalise the global investment funds marketplace, reducing frictional costs and lowering operational risk to the benefit of all. Over 2,000 clients in 42 countries and territories benefit from Calastone’s services, processing £180 billion of investment value each month.
Specialities
  • Money Market Services
  • Order Routing
  • Managed Funds
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23

CellPoint Digital

50-249 Employees
London, United Kingdom
Est. 2007
CellPoint Digital provides digital payment platforms that enable airlines, travel companies, and any other merchants to simplify their payment solution, unify their customer experience, boost their digital revenues and reduce their payment costs.

CellPoint offers two omnichannel and modular platforms: Velocity, a payment orchestration platform that optimizes digital payment transactions, from cards or alternative payment methods; and Voyage, a full platform that masters the entire customer sales cycle (Promote, Sell, Pay, Serve) and optimizes the end-to-end conversion rate.
Specialities
  • Digital Payments
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24

City Index

50-249 Employees
London, United Kingdom
Est. 1983
As a Global Leader in FX & CFD trading, as well as Spread Betting (the UK only), City Index provides competitive spreads and access to thousands of markets worldwide through a combination of innovative trading technology. City Index also offers a demo trading account to help you build up your confidence and test out your trading strategies at your own pace without putting your capital at risk.
CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 73% of retail investor accounts lose money when trading CFDs with this provider. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money. Capital at risk.
Specialities
  • Spread Betting
  • Forex Trading
  • CFD Trading
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25

Divido

50-249 Employees
London, United Kingdom
Est. 2014
Divido’s whitelabel platform connects lenders, retailers and channel partners at the point of sale.
Specialities
  • Retail Finance
  • Consumer Lending Software
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26

Freetrade

50-249 Employees
London, United Kingdom
Est. 2017
Freetrade is a commission-free investing app.

In order to offer commission-free trading and an ever-improving feature set sustainably, they have built their own engineering system called “Invest by Freetrade” that allows them to execute your trades much cheaper and faster than using third-party solutions. They don’t charge commissions on trades. They have freemium pricing model where you can pay for the premium features you want.
Specialities
  • Investing
  • Personal Finance
  • Stocks
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27

Habito

50-249 Employees
London, United Kingdom
Est. 2015
Habito will get you the best mortgage possible. Fast, transparent, and impartial. Using a unique combination of cutting-edge technology and industry-leading mortgage experts, homebuyers can, for the first time, be sure they are getting the best deal for themselves.
Habito technology analyses every mortgage on the market from over 70 lenders to find the best one in seconds. Once they find you the right mortgage, they’ll be with you every step of the way. You’ll have a dedicated mortgage expert who will keep you updated with the progress of your application from start to finish, and will always be on the end of the phone or live chat to answer your questions.
Specialities
  • Mortgage
  • Remortgage
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28

iBanFirst

50-249 Employees
Paris, France
Est. 2010
iBanFirst is a financial services provider delivering solutions across banking borders. iBanFirst provides a specialist online platform for multicurrency transactions.
Specialities
  • IBAN Accounts
  • International Payments
  • Multi-Currency Account
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29

Kuda

50-249 Employees
London, United Kingdom
Est. 2019
Kuda is a full-service, digital-only bank with a mission to make banking more accessible, affordable and rewarding for every African on the planet.

The bank provides services through its suite of apps for Android phones, iPhones and the web, allowing everyday Nigerians with internet access to operate a spending account, access instant credit, save money automatically and earn annual interest without the burden of traditional bank charges such as card maintenance fees, account maintenance fees and excessive transfer fees. It also issues free debit cards which are delivered across Nigeria at no cost.
Specialities
  • Digital Banking
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30

Lydia

50-249 Employees
Paris, France
Est. 2009
Lydia app means 100% mobile and the digital current account.

With the app users can: spend money abroad without any fee on payments nor withdrawals; pay contactless anywhere using any mobile device (no amount limit, fully secured); manage all of your bank accounts from one single app; send money instantly using phone number; pay online safely using unlimited Internet Cards; set-up Shared Accounts to share expenses fairly.
Specialities
  • Mobile Banking
  • Payments
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31

MarketFinance

50-249 Employees
London, United Kingdom
Est. 2009
MarketFinance provides entrepreneurs with the right business finance to solve the cash flow issues.

Their online platform was built from the ground up with small businesses in mind, and it is as frictionless as possible, so entrepreneurs can unlock finance in just a few clicks.
Specialities
  • Invoice Finance
  • Flex Loans
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32

Moss

50-249 Employees
Berlin, Germany
Est. 2019
Moss is a technology-enabled expense and financial management solution.

With smart corporate credit cards, digital invoice management, and automated accounting, Moss allows companies to manage all of their spendings easily and transparently. And efficiently drive their core business with digital workflows.
Specialities
  • Expense Management
  • Receipt Capture
  • Accounting Integration
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33

Nexo

50-249 Employees
London, United Kingdom
Est. 2017
Nexo is the world’s leading regulated institution for digital assets.

The company’s mission is to maximize the value and utility of cryptocurrencies by offering tax-efficient Instant Crypto Credit Lines, a high-yield Earn Crypto Interest product, Send & Pay capabilities, and sophisticated trading & OTC services, all while providing the top-tier custodial insurance and military-grade security of the Nexo Wallet.

Nexo manages assets for over 2М users across 200+ jurisdictions and has processed over $30 billion since its launch in 2018.
Specialities
  • Cryptocurrency
  • Digital Assets
  • Lending
  • Credit Cards
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34

Novo

50-249 Employees
Miami, United States
Est. 2016
Novo is a digital banking platform for small business owners, entrepreneurs, and freelancers. It provides better business deposit accounts to today’s companies and is powered by a network of FDIC-insured community banks.
Specialities
  • Payments
  • Invoicing
  • Check Deposit
  • Digital Banking
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35

Oakam

50-249 Employees
London, United Kingdom
Est. 2006
Oakam is a digital micro-lender helping underbanked, overlooked, consumers onto and up the credit ladder. They believe that the credit industry is broken for the growing number of consumers looking to access vital funds, that help them establish or improve their credit score. At Oakam, they are challenging the status quo with a new model for consumer credit powered by the smartphone. Their digital, data-rich approach to micro-lending enables more personalised and inclusive credit scoring, which is lowering the barriers to affordable credit for those who need it most.
Specialities
  • Loans and Financial Services
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36

Parmenion

50-249 Employees
Bristol, United Kingdom
Est. 2007
Parmenion support growing adviser businesses by providing them with a range of investment solutions to cater for every client life stage and challenge, on a platform that’s a joy to use. They’re the partner of choice for more than 1,500 adviser firms looking after over 80,000 clients and trusted to manage in excess of £8bn on their behalf.
Specialities
  • Investment Management
  • Discretionary Fund Management
  • Investment Risk
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37

Paysend

50-249 Employees
London, United Kingdom
Est. 2014
Paysend is a payment platform enabling customers and businesses all around the world to pay, hold and send money online anywhere, anyhow, and in any currency. Paysend introduces global card-to-card transfer. Paysend is currently supporting connections between 12 billion cards globally. It is operating in 60 countries worldwide and has a network of over 110 receiving countries and growing.
Specialities
  • Card to Card Transfers
  • Money Transfer
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38

Qover

50-249 Employees
Brussels, Belgium
Est. 2014
Qover builds its own insurance products and makes them available in real-time through open APIs. Any digital business model can embed or sell insurance products within minutes. It is plug & play solutions empowering any digital business to integrate insurance into its strategy.
Specialities
  • InsurTech
  • Embedded Insurance
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39

Scalable Capital

50-249 Employees
München, Germany
Est. 2014
Scalable Capital brings people and technology-based investment together.

For private individuals, Scalable Capital offers digital wealth management and a broker with a trading flat rate. In digital wealth management, the company creates and manages globally diversified ETF portfolios for its clients with sustainable investment strategies when desired. The broker enables private individuals to trade shares, ETFs, Crypto ETPs, funds, and derivatives themselves and to set up ETF and stock savings plans.
Specialities
  • Digital Investment Management
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40

Swoop

50-249 Employees
London, United Kingdom
Est. 2018
The one-stop money shop for business. Swoop’s goal is to simplify and speed up the process businesses go through to access grants, debt, and equity.

With Swoop you can get matched to 1000’s of funding providers. Swoop combines its advanced matching algorithm with decades of funding experience to identify the best options for your business.
Specialities
  • Business Loans
  • Equity Investment
  • VC Funding
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41

Sygnum Bank

50-249 Employees
Zurich, Switzerland
Est. 2020
Sygnum Bank is a regulated Digital Asset Bank and a digital asset specialist with a global reach. With Sygnum Bank AG’s Swiss banking licence, as well as Sygnum Pte Ltd’s capital markets services (CMS) licence in Singapore, Sygnum empowers institutional and private qualified investors, corporates, banks, and other financial institutions to invest in the digital asset economy with complete trust.

Sygnum clients can use their deposited CHF, USD, EUR and SGD to invest in leading digital assets, including protocol tokens such as Bitcoin, Ethereum, XRP, Bitcoin Cash and Tezos, a Digital CHF for instant settlement, and asset tokens.
Specialities
  • Digital Assets
  • Asset Management
  • Crypto Currencies
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42

Tandem Bank

50-249 Employees
London, United Kingdom
Est. 2013
At Tandem Bank they have a mission to help you spend your money positively, and save your money effortlessly and ethically. Tandem’s Instant Access Saver helps you not only save and earn interest, but it will also help towards environmentally friendly projects. Tandem lets you make the most of your money by opening a Digital Fixed Saver. The more you lock away, the higher your return will be. Signing up and opening an account with Tandem only takes a matter of minutes on your mobile phone, and you can use the convenience of Open Banking to fund your accounts without leaving your device. They call themselves a good green bank.
Specialities
  • Digital Banking
  • Personal Finance
  • Mortgages
  • Loans
  • Credit Cards
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43

Treasury Intelligence Solutions

50-249 Employees
Walldorf, Germany
Est. 2010
TIS is reimagining the world of enterprise payments through a cloud-based platform uniquely designed to help global organizations optimize outbound payments. Corporations, banks, and business vendors leverage TIS to transform how they connect global accounts, collaborate on payment processes, execute outbound payments, analyze cash flow and compliance data, and improve critical outbound payment functions.
Specialities
  • Corporate Payments
  • Cash Flow & Liquidity Management
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44

Vodeno

50-249 Employees
Warsaw, Poland
Est. 2018
Vodeno is transforming the financial services industry, offering instant access to the most comprehensive banking as a service platform available in the market, addressing the challenges of increased regulation and exploiting the digital revolution through innovation.

Vodeno Cloud Platform is the most comprehensive ready to use solution for Retail & SME Banking enabled by advanced API technology and the world’s first banking platform to be based entirely on Google Cloud, complying with strict regulations and allowing innovation at speed. The Platform, built by Vodeno engineers, is a unique composition of micro-services operating within a scalable lambda architecture and with native support of big data processing. Being fully cloud-based and API-enabled, Vodeno platform simplifies migration from any legacy core banking systems or other in-house solutions.
Specialities
  • Banking as a Service
  • Retail & SME Banking
  • API Technology
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45

Walker Crips

50-249 Employees
London, United Kingdom
Est. 1914
The Walker Crips Group provides a range of services within and for the financial services industry. Their core business organisation, Investment Management, works alongside companion offerings from Wealth Management, Pensions, and Alternative Investments, utilising innovative in-house software solutions.
Specialities
  • Stockbrokers
  • Investment Management
  • Wealth Management
  • Pensions
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46

Wirex

50-249 Employees
London, United Kingdom
Est. 2014
Wirex is a digital payment platform with a mission to make crypto and traditional currencies equal and accessible to everyone. Wirex innovative mobile app and next-gen Wirex card lets you buy, store, exchange and spend a wide variety of conventional and digital currencies quickly and securely, with no hidden fees and zero fuss.
Specialities
  • Payment Solutions
  • Cryptocurrency Exchange
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47

Yapily

50-249 Employees
London, United Kingdom
Est. 2017
Yapily provides the infrastructure layer that powers the next wave of financial innovation by unlocking the power of Open Banking.

They connect to thousands of banks using a secure open API, removing the complexity and enabling seamless access to financial information and payment infrastructure.
Specialities
  • Open Banking
  • Open Finance
  • API
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48

Aire

10-49 Employees
Washington, United States
Est. 2014
Powered by first-party data, Aire provides actionable credit insight to lenders. For lenders, access to only historical data has limited their ability to make the credit decisions needed in a modern economy. This impacts everyone, delivering less value for lenders and making access to credit for some, impossible. At Aire, they believe the consumer holds the keys to new data that can change this. It’s why Aire engages directly with consumers to deliver the full picture to lenders. They call this first-party data and it’s shifting the balance for everyone.
Specialities
  • Credit Scoring
  • Credit Risk
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49

CrowdProperty

10-49 Employees
Birmingham, United Kingdom
Est. 2011
CrowdProperty is a specialist property project lending platform used to facilitate short-term loans.

It is a profitable fintech lending innovator that matches demand that property professionals undertaking property projects and supply that is retail investors of capital for value-creating property projects that enable clients to get a better dealfor the borrowers, lenders, the under-supplied housing environment, and increased spend in the economy.
Specialities
  • Property Investment
  • Property Finance
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