16 Best Fintech Apps You Should Look Up To In 2025

16 Best Fintech Apps to Pay Attention

Finally, let’s have a look at what the fintech market app has to offer for everyday use.

#MoneyLion

MoneyLion is a mobile app that was rolled out back in 2013 and designed to take care of multiple users’ financial needs by offering a broad variety of financial services in a single place for a flat fee. 

This app allows users to invest, build credit history, manage day-to-day banking, and benefit from cash advances. Despite being targeted mostly to younger audiences, every smartphone user can use it, enjoying the vast majority of traditional financial services offered by traditional physical banks or credit unions.

Key features of MoneyLion:

• Mobile banking with a user-friendly interface
• Cash advance up to $250 with no fees for 2 days
• Credit score monitoring and builder of personal loans
• Automated investing
• Budgeting tools and instant spending notification alerts
• You earn rewards for various financial activities and actual finance spending
• Personalized portfolios tailored to risk tolerance
• No monthly fees for account maintenance

#Chime

Chime is another financial technology company that can be an alternative to traditional banking and offers a simple-to-understand package consisting of one checking account, one savings account, and one secured credit card that can be managed via an attractive app. 

A spending account offers a few nice benefits like up to 200$ fee-free overdraft or acceleration of your regular direct deposits by 2 days. A savings account offers a market-competitive rate and there is no minimally required balance – even if you have one penny on your account, you’ll earn interest.

Key features of Chime:

• Mobile banking
• No account maintenance fees
• Access paychecks up to 2 days early
• Earn rewards at select retailers
• Round-ups and automatic saving feature
• Fee-free overdraft
• High-yield savings with automatic transfers
• Tools for budgeting and expense management

#Robinhood

Robinhood is a brokerage company that became popular mostly thanks to their easy-to-use trading app that can make investing appear very simple to some users and low fees compared to Robinhood’s peers. 

Fair to say that the last benefit is now neutralized by the brokerage industry since competitors started to actively reduce or even eliminate commission fees for investment in stocks, other securities, and cryptocurrency. 

Robinhood positions itself to be an ideal place for younger investors who have little or no investing experience allowing them to invest even in a fraction of a share.  

Key features of Robinhood:

• No fees for buying and selling stocks, ETFs, and options
• Buy and sell parts of shares with as little as $1
• Automated investment tracking and management for diversified portfolios
• Access to live market data and real-time quotes

# Qapital

Qapital is a popular fintech app that combines saving and investing with gamification to enhance user engagement. 

Launched in 2014, Qapital allows users to automate their savings by goal setting, rounding up purchases to the nearest dollar, and participating in savings challenges. Such gamification advanced features make financial management more interactive and enjoyable, turning everyday activities into opportunities for saving and reaching financial goals.

Key features of Qapital:

• Tracking spending and managing your budget through the app
• Access to automated investing options with diversified portfolios
• Users can set specific automated savings rules based on their preferences, such as saving a percentage of income or rounding up purchases
• You can collaborate on savings goals with friends or family for joint savings objectives.

#Prism

Prism is a bill management app that allows users to see and pay all bills in a single place. You can add your electricity, internet, water, gas bills, etc., and multiple payment accounts/credit cards. Once your application is configured, Prism will monitor all your bills and send you push notifications on your phone, informing you that you must schedule a bill payment. You can pay your bill immediately or review it before payment to adjust the amount, payment method, and even date.

Key features of Prism:

• No service fee;
•  Push notifications when a new bill is discovered;
•  Payments flexibility, instant payments, secure application.

# Revolut

Revolut is one of the mobile banking apps that offers banking and payment applications with a lot of basic features and offers a prepaid debit card that is possible to be used for purchases and ATM withdrawals anywhere in the world. With Revolut, you can easily receive mobile payments, exchange currency, and do your day-to-day banking.

Top Features of Revolut App:

• Account usage abroad and peer payments without any fee
• Usage of different currencies simultaneously

• Gold and crypto trading
• Perks feature that offers discounts and cashback rewards when using Revolut cards
• Split the bill and pay with friends
• Insurance offerings
• Freeze card and set spending limits

# Every Dollar

EveryDollar is a budgeting app developed by Ramsey Solutions, the company founded by financial expert Dave Ramsey. Designed to simplify budgeting and financial management, EveryDollar helps users create a monthly budget based on their income and expenses so they can improve their financial well-being.

Top Features of Every Dollar App:

• Setting and monitoring progress toward your financial goals, such as saving for a vacation or paying off debt
• Categories of expenses to fit your personal financial situation and goals
• Integration with other Ramsey Solutions tools and resources, including Dave Ramsey’s financial advice and courses.

# Coinbase

Coinbase is one of the best Fintech apps for buying, storing, and trading cryptocurrency with more than 68 million users. The app is very easy to use for cryptocurrency beginners and supports 100+ currencies for trading. 

More advanced users can get the Pro version with additional features. Though Coinbase fees are significantly higher than other cryptocurrency exchanges.

Top Features of Coinbase App:

• Cryptocurrency is insured in case the website is hacked
• Low minimum to fund account
• Videos and exams to educate users about cryptocurrency trading 
• Tools to help with tax reporting and track your transaction history for tax purposes.

# Acorns

Acorns is one the best Fintech apps for investors-beginners with a robo-advisor platform, checking account, and tax-advantaged IRAs for retirement. The app invests spare change from your everyday purchases into the market. The checking account has multiple features of traditional bank accounts such as a debit card, direct deposit, mobile check deposit, etc.

• Access diversified portfolios based on your risk tolerance and financial goals
• Automatically invests spare change
• Acorns Spend account, which offers features like a no-fee checking account
• Gives cashback to a wide range of retailers
• Provides educational resources

# Finch

Finch is one of the financial products for hybrid banking and investment application that lets users earn investment returns by automatically investing their checking balance. This means that all your funds are continuously working for you while you have instant access to your budget whenever you need it, even to the invested part. Finch doesn’t have any account minimums or hidden fees, it offers direct deposits and free ACH payments.

Top Features of Finch App:

• Personalized investment recommendations

• The entire balance automatically invested
• Investment notifications
• Integrated checking and investment services
• Instant access to your balance with a debit card

# N26

N26 is a money management app that has a wide range of core features to organize your personal finances. With over 7 million customers online, N26 offers free day-to-day banking without monthly or annual maintenance fees and 3 free ATM withdrawals a month, and no foreign exchange fees. The app also offers access to retailer discounts and awards and savings Round-ups feature however the second is only available in the premium version.

Top Features of N26 App:

• Sub-accounts to easily budget and save significant amounts of money
• Intelligent spending statistics
• Shared spaces with rules to budget with other people
• Setting spending limits

# Emma

Emma is among the top Fintech apps that help to track your spendings, breaks down your total spending, shows your active and inactive subscriptions, sets cashback accounts, and more.

The Pro version allows some extra features such as unlimited budgeting, manual accounts, earning 2x cashback, etc. Emma also allows users to link to their cryptocurrency which is quite rare in personal banking accounts.

Top Features of Emma App:

• All accounts in one place, including even cryptocurrencies and pensions

• Transaction analysis that results in a list of recurring payments across the accounts
• Automatic budget tracking and categorization of the expenses
• Avoids overdrafts and finds wasteful subscriptions

# Cuvva

Cuvva is an application used by more than a half-million drivers to buy insurance. The insurance price is based on the way the users drive and gives good drivers an opportunity to save up to ⅓. The factors AI analyzes are speed, braking, focusing, corners, and accelerating.

Top Features of Cuvva App:

• Monthly payment
• Free cancellation

• Reward for good drivers
• 24/7 support that replies within 1 minute

# Tellus

Tellus is a Fintech application that offers a wide range of services such as cash management, home equity loans, and real estate investing. Having a Tellus Boost account, experienced users can earn a daily interest at a 3% annual percentage yield.

Tellus Manage enables users to manage rentals remotely and contact-free with a mobile property management assistant.

Top Features of Tellus App:

• Tracking investment goals and income, allocating funds between different accounts
• Rental listing from 16 top property listing sites
• Daily and extended boosts
• Unlimited cloud storage

# Earnin

Earnin is a financial tool that helps people to achieve better financial confidence and independence by providing users with access to their paychecks whenever they need it. The application is free of charge however it asks the users for donations (up to $14) instead of asking them to pay.

Top Features of Earnin App:

• Access to the paycheck up to 2 days sooner, plus, more of the pay when needed
• Balance shield
• Lightning speed program
• 256-bit encryption

Wrapping Up

The financial industry is prospering right now along with great digitization in our lives, broad blockchain adoption, and rising customer expectations. Therefore the demand for top-notch IT solutions in the industry is extremely high.

Now it’s the perfect time for users to enjoy all the benefits that banking and financial services bring online and for entrepreneurs to start a successful business in the sector or turn the existing one into digital. The abovementioned mobile applications can serve as a great example of your own finance app idea.

If you’re interested in fintech development with advanced technology and a user-friendly interface, don’t hesitate to schedule a free consultation with us. 

inVerita is a software development partner with a lot of experience in fintech, including mobile banking apps, trading platforms, hedge funds, and more.