The finance mobile app industry focuses on delivering digital solutions that assist users with personal finance management. Companies here offer budgeting tools, investment tracking, bill payment services, and alternative banking options. The increasing reliance on smartphones fosters growth, with user expectations evolving toward greater transparency and accessibility. Innovations such as AI-driven analytics and seamless connectivity to financial institutions are on the rise, reshaping financial interactions. As financial literacy improves worldwide, further developments in technology could enhance consumer control over their financial destinies, marking a shift toward more inclusive financial solutions that cater to various demographics.

This list highlights 22 finance mobile app companies, showcasing startups and established firms with varied sizes and founding years. Many companies are headquartered in locations like London and San Francisco, focusing on personal finance, savings, and investment solutions. They offer innovative products designed for user convenience, addressing the growing need for accessible financial management tools. Most were founded in the last decade, reflecting the industry's rapid evolution. From digital-only banks to sophisticated budget tracking apps, these companies strive to empower users in their financial journeys.

Top 22 Finance Mobile Apps Companies

1. Monzo Bank

• Website: monzo.com
• Ownership type: Private Equity
• Headquarters: London, England, United Kingdom (UK)
• Employee distribution: United Kingdom (UK) 96%, United States (USA) 2%, Other 2%
• Latest funding: October 2024
• Founded year: 2015
• Headcount: 1001-5000
• LinkedIn: monzo-bank

Monzo Bank Limited, established in 2015 and based in London, is a digital bank that provides a range of financial services tailored for both individual consumers and businesses. The company offers personal current accounts, savings options, loans, and investment services, all accessible through a user-friendly mobile app. Monzo has gained popularity for its innovative features, such as instant spending notifications, budgeting insights, and the ability to split bills easily among friends. The bank operates primarily in the UK and is regulated by the Financial Conduct Authority and the Prudential Regulation Authority, ensuring a high level of security and trust for its users. With a workforce of approximately 3,584 employees, Monzo continues to expand its offerings and enhance its app to meet the evolving needs of its customer base.

2. PocketGuard

• Website: pocketguard.com
• Ownership type: Venture Capital
• Headquarters: Menlo Park, California, United States (USA)
• Employee distribution: Ukraine 100%
• Latest funding: January 2015
• Founded year: 2015
• Headcount: 11-50
• LinkedIn: pocketguard

PocketGuard, founded in 2015 and based in Menlo Park, California, is a personal finance app designed to assist users in managing their budgets and tracking their spending. The app offers features such as bill payment tracking, budgeting tools, fraud detection, and insights into spending habits. PocketGuard aims to simplify financial management for individuals, making it easier to achieve financial goals. The company has garnered a user base of over one million members, who have collectively saved significant amounts through its services. PocketGuard's commitment to enhancing financial literacy and management skills positions it as a relevant player in the finance mobile app industry.

3. Wally

• Website: wally.me
• Ownership type: Venture Capital
• Headquarters: Foster City, California, United States (USA)
• Latest funding: Pre-seed, $6.1M, September 2022
• Founded year: 2015
• Headcount: 11-50
• LinkedIn: wally-app

Wally Global Inc., founded in 2015 and based in Foster City, California, is a personal finance technology company that specializes in mobile applications for financial management. The Wally app allows users to track their spending, manage budgets, and receive investment guidance, thereby helping individuals gain insights into their financial habits. The app connects with over 15,000 banks across 70 countries, enabling users to manage their checking, savings, credit cards, loans, and investment accounts in one place. Wally has also integrated AI technology through WallyGPT, which provides users with contextual insights and personalized financial advice. The company has secured funding amounting to $6.1 million as of September 2022, reflecting its growth potential and relevance in the personal finance sector.

4. Tala

• Website: tala.co
• Ownership type: Private Equity
• Headquarters: Santa Monica, California, United States (USA)
• Employee distribution: Kenya 30%, United States (USA) 22%, Philippines 20%, Other 28%
• Latest funding: Other (Debt), $150.0M, March 2025
• Founded year: 2011
• Headcount: 501-1000
• LinkedIn: tala-mobile

Tala is a financial technology company based in Santa Monica, California, founded in 2011. The company specializes in providing a smartphone lending app that caters to underrepresented markets, particularly in emerging economies. Tala's services include instant credit, microloans, and a digital wallet, all designed to help customers manage their finances more effectively. With a workforce of approximately 815 employees, Tala operates primarily in Kenya, Mexico, the Philippines, and India, where it addresses the financial needs of individuals who often lack access to traditional banking services. The company has raised significant funding, including a recent $150 million in debt financing, which underscores its growth trajectory and commitment to expanding its offerings. Tala's innovative approach leverages advanced technologies to create a digital financial identity for its users, enabling them to access credit and manage their financial lives seamlessly.

5. Starling Bank

• Website: starlingbank.com
• Ownership type: Private Equity
• Headquarters: London, England, United Kingdom (UK)
• Employee distribution: United Kingdom (UK) 99%
• Latest funding: Series D, $164.2M, April 2022
• Founded year: 2014
• Headcount: 1001-5000
• LinkedIn: starlingbank

Starling Bank, established in 2014 and headquartered in London, is a digital bank that offers a comprehensive suite of banking services tailored for both personal and business customers. The bank's mobile app is designed to provide a seamless banking experience, allowing users to manage their accounts, make money transfers, and access various financial tools. Starling Bank has gained recognition for its commitment to technology and sustainability, aiming to disrupt traditional banking practices. With over 4.2 million accounts opened, it has established a significant presence in the UK market. The bank has also received substantial funding, including a Series D round in April 2022, which raised approximately £164 million, underscoring its growth trajectory and investor interest. Starling's innovative features, such as virtual cards and a bills manager, enhance user engagement and financial management capabilities.

6. Albert

• Website: albert.com
• Ownership type: Private Equity
• Headquarters: Los Angeles, California, United States (USA)
• Employee distribution: United States (USA) 94%, Other 6%
• Latest funding: Series C, $100.0M, January 2021
• Founded year: 2016
• Headcount: 51-200
• LinkedIn: albertapp

Albert is a financial services company based in Los Angeles, California, founded in 2016. The company has developed an all-in-one money management app that assists individuals in budgeting, saving, and investing. Albert aims to simplify financial management for its users, making financial guidance accessible and affordable. The app features automatic budgeting, smart saving, and investment options, allowing users to track their spending and manage their finances seamlessly. With over 10 million users, Albert has facilitated more than $1.5 billion in savings and investments, showcasing its impact in the personal finance sector. The company has received significant funding, including a $100 million Series C round in January 2021, which underscores its growth trajectory and the confidence investors have in its business model.

7. Qapital

• Website: qapital.com
• Ownership type: Private Equity
• Headquarters: New York, New York, United States (USA)
• Employee distribution: United States (USA) 57%, Sweden 24%, Canada 14%, Other 5%
• Latest funding: December 2020
• Founded year: 2013
• Headcount: 51-200
• LinkedIn: qapital

Qapital is a financial technology company based in New York, founded in 2013. It specializes in personal finance management, providing tools that help users automate savings, create investment plans, and manage budgets. The platform is designed for individuals looking to enhance their financial health through intuitive digital solutions. Qapital has gained traction in the industry, boasting over 2 million members who have collectively saved $3 billion. The company emphasizes security and user experience, ensuring that personal data is protected while offering features that simplify financial planning. Qapital operates on a subscription model, with plans starting at $3 per month, making it accessible to a wide audience. The company has not reported any recent funding, indicating a stable operational model since its last funding round in December 2020.

8. Cleo

• Website: meetcleo.com
• Ownership type: Venture Capital
• Headquarters: London, England, United Kingdom (UK)
• Employee distribution: United Kingdom (UK) 95%, United States (USA) 3%, Other 3%
• Latest funding: Series C, $81.3M, June 2022
• Founded year: 2016
• Headcount: 201-500
• LinkedIn: cleo-ai

Cleo is a financial technology company based in London, UK, founded in 2016. It operates primarily through its mobile app, which offers services such as cash advances, budgeting tools, and credit building solutions. Cleo targets consumers who may need financial assistance, helping them manage their finances more effectively. The app features an AI-driven interface that provides personalized financial advice and insights. Cleo has gained significant traction, boasting over 5 million users and receiving substantial funding, including a Series C round in June 2022, which raised approximately $81 million. This funding reflects the company's growth trajectory and its commitment to enhancing financial literacy and accessibility for its users.

9. Rocket Money

• Website: rocketmoney.com
• Ownership type: Corporate
• Headquarters: Silver Spring, Maryland, United States (USA)
• Employee distribution: United States (USA) 95%, Pakistan 4%, Other 1%
• Latest funding: $1.3B, December 2021
• Founded year: 2015
• Headcount: 201-500
• LinkedIn: truebill

Rocket Money, founded in 2015 and based in Silver Spring, Maryland, is a financial management app that assists users in tracking their spending, managing subscriptions, and saving money. The app features tools for bill negotiation, budgeting, and net worth tracking, allowing users to gain a comprehensive view of their financial situation. With a user base exceeding 5 million members, Rocket Money has reportedly saved its users over $1 billion through its services. The company has received substantial funding, totaling $1.275 billion, which underscores its growth and commitment to enhancing financial literacy and management for everyday consumers. Rocket Money operates primarily through a digital platform, providing direct services to consumers and emphasizing user-friendly financial solutions.

10. Ynab

• Website: ynab.com
• Ownership type: Private
• Headquarters: Lehi, Utah, United States (USA)
• Employee distribution: United States (USA) 80%, Poland 7%, Canada 7%, Other 7%
• Founded year: 2004
• Headcount: 201-500
• LinkedIn: you-need-a-budget

YNAB, founded in 2004 and based in Lehi, Utah, is a private company specializing in budgeting software. With a workforce of around 183 employees, YNAB has developed a unique budgeting methodology that emphasizes proactive financial management. The company offers a mobile app that allows users to track their spending, set financial goals, and improve their overall financial literacy. YNAB also provides educational content through blogs and free workshops, helping users understand the principles of budgeting and saving. The company has built a strong community of users who share their experiences and strategies for effective money management, further solidifying its position in the personal finance industry.

11. Emma - we are hiring!

• Website: emma-app.com
• Ownership type: Venture Capital
• Headquarters: London, England, United Kingdom (UK)
• Employee distribution: United Kingdom (UK) 100%
• Latest funding: Crowdfunding, $4.4M, June 2021
• Founded year: 2017
• Headcount: 11-50
• LinkedIn: emma-technologies-ltd

Emma Technologies Ltd, founded in 2017 and based in London, is a financial technology firm focused on personal finance management. The company has developed an app that allows users to track their spending, budget effectively, and invest in stocks with as little as £1. Emma connects to over 30 banks, providing users with a comprehensive view of their financial situation. The app also features tools for managing subscriptions, setting savings goals, and making payments. Emma has attracted significant attention in the fintech space, having raised approximately £4.37 million through crowdfunding as of June 2021. This funding reflects the growing interest in personal finance solutions that empower users to take control of their financial health.

12. Truebill

• Website: truebill.com
• Ownership type: Corporate
• Headquarters: Silver Spring, Maryland, United States (USA)
• Latest funding: $1.3B, December 2021
• Founded year: 2015
• Headcount: 51-200
• LinkedIn: truebill

Truebill, now branded as Rocket Money, is a financial management application founded in 2015 and based in Silver Spring, Maryland. The app is designed to assist users in tracking their spending, managing subscriptions, and ultimately saving money. With a user base exceeding 5 million, Rocket Money has made a notable impact in the personal finance industry. The app's features include automatic subscription tracking, spending insights, bill negotiation services, and tools for budgeting and net worth tracking. The company has raised significant funding, totaling $1.275 billion, which underscores its growth trajectory and the value it provides to its users. Rocket Money aims to empower individuals to take control of their financial lives by offering practical solutions that simplify money management.

13. BudgetBakers

• Website: budgetbakers.com
• Ownership type: Venture Capital
• Headquarters: Prague, Prague, Czech Republic
• Employee distribution: Czech Republic 100%
• Latest funding: $7.5M, April 2021
• Founded year: 2010
• Headcount: 11-50
• LinkedIn: walletapp

BudgetBakers, founded in 2010 and based in Prague, Czech Republic, is a personal finance management company that provides innovative tools for budgeting, expense tracking, and cash flow analysis. Their flagship product, Wallet, allows users to sync with over 15,000 banks, enabling real-time tracking of expenses and automatic categorization of transactions. The company has garnered over 6.5 million downloads and maintains a strong user rating of 4.7, reflecting its effectiveness and user satisfaction. BudgetBakers has received significant venture capital funding, totaling approximately $7.5 million as of April 2021, which supports its growth and development in the competitive finance app market. Their commitment to user privacy and data security further enhances their standing in the industry, making them a relevant player in personal finance management.

14. Fintonic

• Website: fintonic.com
• Ownership type: Venture Capital
• Headquarters: Madrid, Madrid, Spain
• Employee distribution: Spain 96%, India 2%, Mexico 2%
• Latest funding: Series E-K, April 2024
• Founded year: 2011
• Headcount: 51-200
• LinkedIn: fintonic

Fintonic, founded in 2011 and based in Madrid, Spain, is a financial services company that specializes in personal finance management. The company offers a range of products, including loans, savings accounts, and budgeting tools, all accessible through its mobile app. Fintonic aims to enhance the financial well-being of its users by providing alerts for financial activities, personalized budgeting assistance, and access to credit options. With a workforce of approximately 91 employees, the company operates primarily in Spain, Mexico, and Chile, serving over one million users. Fintonic is recognized for its innovative approach to financial management, having received accolades such as the Google award for mobile innovation. The company is authorized by the Bank of Spain, ensuring compliance with financial regulations and security standards.

15. Viva Republica (Toss)

• Website: toss.im
• Ownership type: Venture Capital
• Headquarters: South Korea
• Employee distribution: South Korea 100%
• Latest funding: Series E-K, $405.0M, December 2022
• Founded year: 2011
• Headcount: 1001-5000
• LinkedIn: viva-republica

Viva Republica, known by its brand Toss, is a financial technology company based in South Korea, founded in 2011. The company operates a mobile app that simplifies various financial services, including money transfers, loan comparisons, credit score management, and investment opportunities. Toss aims to eliminate traditional banking barriers, providing users with a seamless and efficient way to manage their finances. The app allows users to connect their bank accounts and cards, view their financial history, and make informed decisions about loans and investments. With a workforce of over 2,300 employees, Toss has made significant strides in the fintech sector, revolutionizing how consumers interact with financial services. The company has attracted considerable investment, raising $405 million in its latest funding round in December 2022, which underscores its relevance and growth trajectory in the financial technology landscape.

16. Money Lover

• Website: moneylover.me
• Ownership type: Private
• Headquarters: Hanoi, Hanoi, Vietnam
• Employee distribution: Vietnam 100%
• Founded year: 2012
• Headcount: 11-50
• LinkedIn: money-lover

Money Lover, founded in 2012 and based in Hanoi, Vietnam, is a private company specializing in personal finance management. The company provides a platform that allows users to track expenses, create budgets, and plan their financial futures. With features like saving plans, debt management, and receipt scanning, Money Lover aims to simplify financial management for individuals. The app has garnered over a million users and boasts more than 100,000 five-star reviews, indicating a strong user satisfaction rate. The company operates primarily through its mobile app and web services, ensuring accessibility across multiple devices. Money Lover's commitment to data security is evident, as it employs bank-standard security measures to protect user information. Despite not having reported any funding, the company continues to thrive in the competitive personal finance app market.

17. Qube Money

• Website: qubemoney.com
• Ownership type: Venture Capital
• Headquarters: Pleasant Grove, Utah, United States (USA)
• Employee distribution: United States (USA) 100%
• Latest funding: Seed, $975,000, January 2022
• Founded year: 2017
• Headcount: 11-50
• LinkedIn: qube-money

Qube Money, founded in 2017 and based in Pleasant Grove, Utah, is a financial technology company that specializes in digital cash envelope budgeting and banking services. The company aims to simplify financial management for individuals, couples, and families by providing tools that help users save money and achieve their financial goals. Qube Money's app allows users to create digital envelopes for budgeting, making it easier to allocate funds for various expenses. The company has received seed funding of $975,000 in January 2022, reflecting investor confidence in its business model and growth potential. With a focus on user engagement and financial education, Qube Money is actively involved in the fintech industry, offering solutions that resonate with modern consumers seeking to take control of their finances.

18. Acorns

• Website: acorns.com
• Ownership type: Private Equity
• Headquarters: Irvine, California, United States (USA)
• Employee distribution: United States (USA) 95%, United Kingdom (UK) 3%, Other 2%
• Latest funding: Series E-K, $300.0M, March 2022
• Founded year: 2012
• Headcount: 501-1000
• LinkedIn: acorns-grow-inc-

Acorns is a financial technology company based in Irvine, California, founded in 2012. It specializes in micro-investing and robo-advisory services, aiming to help individuals save and invest for their future. The platform allows users to invest their spare change through a feature known as Round-Ups, which automatically rounds up purchases to the nearest dollar and invests the difference. Acorns also offers retirement accounts and banking services, making it a comprehensive tool for personal finance management. The company has received significant funding, with its last round totaling $300 million in March 2022, reflecting strong investor interest and a commitment to expanding its services. Acorns primarily targets consumers looking to grow their wealth through automated investment solutions, making investing more approachable for everyday users.

19. Personal Capital

• Website: personalcapital.com
• Ownership type: Private Equity
• Headquarters: Redwood City, California, United States (USA)
• Employee distribution: United States (USA) 50%, Bangladesh 9%, India 9%, Other 33%
• Latest funding: $825.0M, June 2020
• Founded year: 2009
• Headcount: 201-500
• LinkedIn: personalcapital

Personal Capital, founded in 2009 and based in Redwood City, California, is a financial advisory firm that specializes in wealth management and personal finance tools. The company provides a range of services, including investment management, retirement planning, and various financial calculators designed to help clients manage their wealth effectively. Personal Capital operates primarily through its digital platform, which allows users to access their financial information and receive tailored advice. The firm has received significant funding, totaling $825 million as of June 2020, which underscores its growth and the confidence investors have in its business model. Recently, Personal Capital has rebranded itself as Empower, reflecting its ongoing evolution and commitment to enhancing its services and tools for users.

20. bunq

• Website: bunq.com
• Ownership type: Private Equity
• Headquarters: Amsterdam, North Holland, Netherlands
• Employee distribution: Netherlands 61%, Bulgaria 17%, Turkey 14%, Other 9%
• Latest funding: $31.1M, April 2024
• Founded year: 2012
• Headcount: 501-1000
• LinkedIn: bunq

bunq, founded in 2012 and headquartered in Amsterdam, is a neobank that provides innovative mobile banking solutions tailored for both consumers and businesses across Europe. The company emphasizes user-centric services, offering features such as savings accounts with competitive interest rates, international credit cards, and investment options. bunq aims to simplify financial management while promoting sustainability, having facilitated the planting of over 24 million trees through its user transactions. With a banking permit from the European Central Bank, bunq ensures that customer deposits are insured up to €100,000. The company has grown to serve over 10 million users and has recently secured funding of approximately €31 million, reflecting its ongoing relevance and ambition in the financial technology sector.

21. Branch International

• Website: branch.co
• Ownership type: Private Equity
• Headquarters: San Francisco, California, United States (USA)
• Employee distribution: India 48%, Kenya 24%, Nigeria 18%, Other 9%
• Latest funding: Other (Debt), January 2022
• Founded year: 2015
• Headcount: 51-200
• LinkedIn: branch-co

Branch International, founded in 2015 and based in San Francisco, California, is a digital banking platform that aims to provide accessible financial services to individuals in emerging markets. The company offers a range of products, including instant loans, money transfers, and high-yield investment opportunities, all facilitated through a user-friendly mobile app. With a workforce distributed across countries like India, Kenya, and Nigeria, Branch has successfully reached over 40 million downloads, making it one of the most popular finance apps in its target regions. The company leverages machine learning algorithms to evaluate creditworthiness based on smartphone data, allowing it to extend financial services to those without traditional credit histories. Branch's commitment to ethical lending practices and customer privacy further enhances its reputation in the fintech space. Notably, the company has received significant funding, including a $170 million investment round led by Visa, which underscores its growth potential and strategic partnerships in the financial technology sector.

22. Empower

• Website: empower.me
• Ownership type: Venture Capital
• Headquarters: San Francisco, California, United States (USA)
• Employee distribution: United States (USA) 66%, Australia 20%, Mexico 5%, Other 9%
• Latest funding: Series B, $150.0M, July 2021
• Founded year: 2016
• Headcount: 51-200
• LinkedIn: empowerbanking

Empower Finance, Inc., founded in 2016 and based in San Francisco, California, is a financial technology firm that specializes in providing innovative financial solutions through its mobile application. The app allows users to access cash advances and credit lines, helping them manage unexpected expenses and build their credit history. Empower's services are designed to enhance financial health, making it easier for individuals to navigate their financial challenges. The company operates under a subscription model, charging an $8 monthly fee after a 14-day trial period. Empower has successfully raised $150 million in funding, reflecting strong investor interest and support for its mission to empower consumers financially. The app is not just a tool for transactions; it also includes features aimed at fostering better financial habits and understanding personal finance.

Finance Mobile Apps Insights: Key Companies

Company	Headquarter	Size	Founded	Ownership
Monzo Bank	London, England, United Kingdom (UK)	1001-5000	2015	Private Equity
PocketGuard	Menlo Park, California, United States (USA)	11-50	2015	Venture Capital
Wally	Foster City, California, United States (USA)	11-50	2015	Venture Capital
Tala	Santa Monica, California, United States (USA)	501-1000	2011	Private Equity
Starling Bank	London, England, United Kingdom (UK)	1001-5000	2014	Private Equity
Albert	Los Angeles, California, United States (USA)	51-200	2016	Private Equity
Qapital	New York, New York, United States (USA)	51-200	2013	Private Equity
Cleo	London, England, United Kingdom (UK)	201-500	2016	Venture Capital
Rocket Money	Silver Spring, Maryland, United States (USA)	201-500	2015	Corporate
Ynab	Lehi, Utah, United States (USA)	201-500	2004	Private
Emma - we are hiring!	London, England, United Kingdom (UK)	11-50	2017	Venture Capital
Truebill	Silver Spring, Maryland, United States (USA)	51-200	2015	Corporate
BudgetBakers	Prague, Prague, Czech Republic	11-50	2010	Venture Capital
Fintonic	Madrid, Madrid, Spain	51-200	2011	Venture Capital
Viva Republica (Toss)	South Korea	1001-5000	2011	Venture Capital
Money Lover	Hanoi, Hanoi, Vietnam	11-50	2012	Private
Qube Money	Pleasant Grove, Utah, United States (USA)	11-50	2017	Venture Capital
Acorns	Irvine, California, United States (USA)	501-1000	2012	Private Equity
Personal Capital	Redwood City, California, United States (USA)	201-500	2009	Private Equity
bunq	Amsterdam, North Holland, Netherlands	501-1000	2012	Private Equity
Branch International	San Francisco, California, United States (USA)	51-200	2015	Private Equity
Empower	San Francisco, California, United States (USA)	51-200	2016	Venture Capital

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