10 Best Fintech Apps

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The term ‘FinTech’ has been rocking the world of innovative technology for the last few years. It’s now one of the most exciting areas of technological development. Same as FinTech app development which has been gaining a tremendous amount of popularity across the world. But what exactly are FinTech applications? Why are they worth investing in? What are the best FinTech apps to be up-to-date with? Let’s dive deeper into what’s now happening at a crossroads of finance and technology in 2023 and what the best FinTech apps are!

What are Fintech Apps?

The word ‘FinTech’ is used as a description of financial technology – a competitive market of companies that use software or other technology in the provision of financial services. Most FinTech products are designed to be used with ease by connecting the consumer’s finances with top-notch technology. FinTech can take on many shapes and sizes and one of them is FinTech applications. FinTech Apps mean the software used to connect the customer with the tools provided with technology to access, track, and facilitate their finances. Such apps vary greatly from project to project. Some of them use machine learning algorithms, data science technologies, and cutting-edge solutions like blockchain.

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Why are Fintech Apps popular right now?

Best FinTech apps are increasing in popularity, mainly because:

  • FinTech apps come with a reduction in cost for businesses and for the consumer at the same time. Many costs can be saved as there are no expenses associated with traditional firms.
  • FinTech apps are extremely convenient. They have enhanced the efficiency and convenience of transactions.
  • FinTech apps allow for personalization. Using advanced data analytics enables companies to easily trace and address evolving customer needs.
  • FinTech apps are secure. FinTech companies use the latest and safest mobile technologies to build their products.

Growth of the Fintech industry and best FinTech apps

The FinTech industry has seen impressive growth over the past few years. The number of FinTech startups in the Americas alone was nearly 11 thousand in 2021. There were 157 new FinTech unicorns (companies with a valuation of over $1 billion) worldwide in that year. Mobile Banking-related chatbot interactions are estimated to increase by 3150% between 2019 and 2023. The most significant FinTech product is mobile payments – digital payments amount to 25% of the market.

Types of FinTech Mobile Apps

There are many types of FinTech apps on the market. They are available for both businesses and consumers. The most popular types of FinTech apps are:

Mobile banking app

Mobile banking applications are one of the first ones in the FinTech market. They are available for all smartphones and tablets and most of them make it easy to access money, no matter where you are. Also, they make things like account opening and funding quick, simple, and fully safe. There are various mobile banking applications for performing typical tasks, monitoring account balances, as well as sending money.

Personal finance app

Personal finance applications help customers consolidate their financial information from various bank accounts into a single dashboard. This makes it much easier for customers to stay up to date with their finances. A personal finance app is a great help in managing the budget and making sense of your money. They are of course customer-targeted for personal use, however, there are also apps for all sorts of investors, from novice traders to experienced professionals – wealth-tech apps.

Investments app

These are digital platforms that make it easy to place trades with a few taps. They can be used by both private investors with no experience and the wealthy big fish with lots of money in their pockets. A great benefit of investment apps is that they eliminate intermediaries and offer lower commissions. On top of that, they have minimum balance requirements.

Blockchain and cryptocurrency app

In the wide range of blockchain and cryptocurrency FinTech apps, you will find platforms for peer-to-peer transactions, smart contracts, and decentralized ledgers. A great example of such an app is a blockchain-powered trading platform.

RegTech app

This type of FinTech application is a relatively new market. RegTech apps (Regulatory applications) are used by financial service companies to help their customers with regulatory compliance. These are FinTech apps that concentrate on building technology that improves the delivery of regulatory requirements. They use state-of-the-art solutions for better compliance and delivery of secure, easy-to-integrate regulations.

10 best Fintech Apps that can inspire you

The most inspiring top FinTech apps to investigate in 2023? Here they are – the best FinTech apps!

10 Best Fintech Apps - Scalo


Probably one of the most famous FinTech apps. It offers digital banking and payment solutions with a lot of features. The app enables customers to easily receive payments and exchange currency, as well as do their day-to-day digital banking. From Revolut mobile banking features, you can send money in over 25 currencies and withdraw in over 120 currencies across the world. The app also supports cryptocurrencies like Bitcoin and Ethereum.

The best features:

  • Account usage abroad without hidden fees.
  • Gold and crypto trading, easy international money transfers.
  • Prompt spending push notifications after each card payment.
  • Usage of multiple currencies simultaneously.
  • You can split the bill and pay with friends.
  • Discounts and cashback when using Revolut cards.


One of the fastest-growing mobile-only banks out there. Mobile banking app Chime enables you to better manage your expenses and savings in one place. There are no transaction charges, and you can use ATMs across the country for free. Chime also provides features like saving accounts – you can top up a special deposit account during the stipulated period and gain some money after it ends.

The best features:

  • The deposit goes straight to your account. They can be immediately checked.
  • There are no hidden fees or costs for sending funds to friends.
  • You can receive instant money transfers early.


A great example of mobile banking app that operates worldwide. It boasts a very user-friendly interface and overall comfort of using its services. MoneyLion is an interesting blend of savings, lending, and wealth management aspects. It operates on a subscription-based model that also includes the setting up of the bank accounts of users.

The best features:

  • There are no checking fees.
  • You can get around 12% of cashback rewards.
  • Effortless access to access loans.
  • You can easily check your credit score.


Nubank is a banking application that offers information to consumers about saving balances, rewards, and credit cards in real time. It provides similar features like a free account, investments, and an easy-to-use and intuitive design. Nubank serves around 40 million customers – it’s now the biggest online bank in the world and one of the largest FinTech companies in Latin America (the company is based in Brazil).

The best features:

  • Both personal and business bank accounts are free.
  • There are attractive rates for your savings.
  • Access to rewards point programs.
  • Insightful articles and blogs.
  • Easy-to-use mobile app.
  • Competitive loan rates.


A popular stock trading app that comes without any fees. It enables users to trade stocks, indices, and even cryptocurrencies at zero commission charges. Originally, it was a broker company that transformed its product from the stock market into a multipositional FinTech mobile app.

The best features:

  • Multiple investment preferences.
  • Cash handling tools.
  • No trading commissions.
  • It’s quick and simple to open digital bank accounts.
  • The app backs web and mobile-based platforms.


Mint app is one of the most popular budget applications serving over 25 million users. The app is free of charge. It enables users to keep all their financial accounts in one place, track spending and savings, etc. You can quickly set your budget goals and manage monthly bills. The app also offers financial advice.

The best features:

  • It allows you to pay bills and handle balances.
  • Free credit score analysis.
  • When you set a budget, you receive fund suggestions.
  • There are alerts and push notifications of transaction account-related activities.


One of the most famous mobile banks in the world. Based in Germany, the N26 app has statistically overtaken Revolut worldwide. It allows setting up spending limits and shared accounts with preset limits.

The best features:

  • It enables you to control your finances efficiently, just using a few taps on your screen.
  • It offers budgeting services.


A great FinTech app for buying, storing, and trading cryptocurrency. Based on blockchain technology, the Coinbase app has nearly 70 million users and supports over 100 currencies for trading. Coinbase app is considered one of the most convenient and noticeable crypto apps worldwide.

The best features:

  • In the case the website is hacked, your cryptocurrency is insured.
  • Low minimum to fund account.
  • You can invest in dynamic buying and selling.
  • Many educational options.


A Ukrainian virtual bank and at the same time, one of the most recognizable FinTech apps in this field. It offers fast payments, easy credits, and amazing bonuses like cashback, giveaways, in-app achievements, and many more. The bank has no physical branches.

The best features:

  • It combines main digital banking features with a great user-friendly interface.
  • Various gamification and customer care services.
  • It offers generous cashback.


A great app for hands-on envelope budgeting. One of the transparent money management tools that doesn’t require a linked bank account or debit card. Instead, it works manually – you just add your budget yourself. The app is mainly for tracking and planning future purchases.

The best features:

  • Perfect for planning your finances.
  • Based on the enveloping budgeting system.
  • There is a free version.

Best FinTech Apps - Conclusions

FinTech and FinTech apps are definitely an ever-growing field. It’s becoming a more and more valuable part of our economy and it’s developing rapidly to revolutionize banking services, instant money transfers, and finally outcompete traditional bank accounts and financial transactions. Top FinTech apps embrace a wide range of cutting-edge solutions that reinvent traditional financial services. It is for sure that they will keep developing so that their presence is marked everywhere, worldwide.

Are you looking for a software development partner? Check what the Scalo software development company has to offer – we’ll build your perfect FinTech app!

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