5 Hidden Gems in UK Fintech You Didn't Know About

5 Hidden Gems in UK Fintech You Didn't Know About

22 November 2025 Views: 0

1️⃣HyperJar

Turn your cash into digital jars to earmark spend before you tap. HyperJar delivers instant control, slick virtual cards, and merchant rewards that feel like found money.

Address: London, United Kingdom

  • Free to use
  • merchant rewards up to 10%
  • instant jar budgeting
  • family sharing and teen cards
  • virtual and physical cards
  • super fast setup
  • No credit building
  • not a current account
  • rewards limited to partner merchants

2️⃣Snoop

Connect your bank via Open Banking and Snoop hunts for price rises, duplicate charges, and cheaper deals in minutes. It pushes targeted savings alerts so you keep more every month.

Address: London, United Kingdom

  • Auto bill tracking
  • kills junk subscriptions
  • personalized deal alerts
  • works with most UK banks
  • zero learning curve
  • Free tier caps features
  • some tips can feel generic at first

3️⃣Chip

Chip automates saving and chases strong rates across partner banks, so your idle cash actually works. Goal pots and roundups keep the momentum without effort.

Address: London, United Kingdom

  • High interest options
  • autosave and roundups
  • FSCS eligible partner banks
  • easy goal tracking
  • Rates change frequently
  • withdrawal limits on some accounts
  • occasional promotional waitlists

4️⃣Plum

Plum uses smart rules to squirrel away small amounts and lets you invest in diversified funds or individual stocks if you want growth. Handy bill switching and cashback add extra upside.

Address: London, United Kingdom

  • Powerful autosave rules
  • invest and save in one app
  • cash back and bill switching
  • set and forget simplicity
  • Fees apply on higher tiers
  • investing carries risk
  • some features locked by region

5️⃣Sprive

Sprive helps you overpay your mortgage smarter, cutting years and interest with painless micro payments. It connects to many UK lenders and nudges you when you can safely pay more.

Address: London, United Kingdom

  • Shaves interest costs
  • safe micro overpayments
  • smart nudges
  • easy setup
  • Not supported by every lender
  • benefits depend on your mortgage terms
  • fewer features if you are not a homeowner