Top 15+ best fintech apps you must check out in 2025

At first, FinTech was restricted to banking activities and stock trading exclusively. However, the introduction of the internet has completely transformed the fintech sector. From money transfers to stock investments, FinTech has revolutionized the way people utilize applications. 

If you are considering developing an online banking application, an online payment method application, or a money transfer application, this blog will undoubtedly assist you in finding the most suitable Fintech app. We have compiled a list of the top 15+ top Fintech apps in the finance industry that you must check out in 2025. 

Key takeaway

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• Fintech apps provide greater convenience, enhanced security, and lower costs compared to traditional financial institutions for users with busy schedules or those residing in remote areas. 
• The five fintech apps with the highest ratings (4.5 – 4.7 stars) are Mint, Acorns, YNAB, Zelle, and Digit. 

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Comparison table of the best fintech apps in 2025

Prior to delving into the comprehensive analysis of the best FinTech apps, you can briefly examine the full comparison table of the top 15+ most popular Fintech apps in the section below (this is the best fintech app that has been positively reviewed as of January 2024). 

In addition to rating apps, we compiled a list of criteria to compare, including target audience, types, key functionality, pricing, user ratings, user installs, and platform compatibility. 

Best fintech apps	Types	Key functionality	Pricing	User ratings (Avg.)	User installs (Est.)
Mint	Budgeting, Finance Tracking	Bill pays, goal setting, investment tracking	Free	4.7 ⭐	100M+
Acorns	Micro-investing, Round-up Savings	Automated investing, spare change investment, goal-based investing	Free, $1/month (Later)	4.6 ⭐	15M+
YNAB	Budgeting	Unique envelope system, spending tracking	$99/year	4.5 ⭐	5M+
Zelle	Fast Bank Transfers	Secure bank-to-bank transfers between enrolled users	Free	4.5 ⭐	N/A
Digit	Automated Savings, Micro-savings	Analyze income & expenses, automatically transfer small amounts to savings	Free	4.5 ⭐	5M+
Chime	Online Banking, Budgeting Tools	Fee-free banking, early direct deposit, roundup savings, budgeting tools	Free	4.4 ⭐	20M+
Personal Capital	Finance Management, Investment Analysis	Budgeting tools, net worth tracking, investment checkup	Free (Basic), $299/year (Premium)	4.3 ⭐	10M+
Venmo	Peer-to-Peer Payments, Social Features	Split bills, send money with messages, group payments	Free	4.3 ⭐	100M+
Gemini	Secure Cryptocurrency Trading & Storage	High security standards, diverse cryptocurrencies, earning features like lending	Fees for trades & conversions	4.3 ⭐	10M+
Cash App	Online Payment, Investing	Send/receive money, mobile banking, invest in stocks/Bitcoin	Free, optional premium features	4.3⭐	100M+
Stash	Fractional Investing, Stock & ETF Trading	Fractional share purchases, thematic investing, educational resources	$3/month	4.2 ⭐	5M+
PayPal	Online Payments, Money Transfers	Secure online payments, buyer/seller protection, peer-to-peer transfers	Free (Basic), Fees for advanced features	4.2 ⭐	500M+
Robinhood	Stock & ETF Trading	Commission-free trading, simple interface, options trading	Free	4.1 ⭐	100M+
SoFi	Banking, Investing, Loans	Checking & savings accounts, student loan refinancing, investing in one app	Varies by service	4.1 ⭐	10M+
Coinbase	Cryptocurrency Trading & Investing	Buy, sell, and trade cryptocurrencies, user-friendly interface, educational resources	Fees for trades & conversions	4.0 ⭐	100M+

Detail information of the top 15+ best fintech apps in 2025

After exploring the ratings of the best Fintech mobile apps in the comparison table above, let’s now learn more about each app:

1. Mint (Budgeting, Finance Management)

• General information: The Mint app is one of the successful fintech mobile apps based in the USA, collects user account details and transactions to manage spending, pay bills, and assist in budget creation. It provides notification alerts for bill payments and spending pattern advice. All user data is securely encrypted, ensuring financial information safety. 
• Key features: Budgeting tools, transaction categorization, income and expense tracking, bill pay, goal setting, investment tracking, net worth monitoring, credit score monitoring, security features. 
• Pros: Easy-to-use interface, comprehensive features, free basic version, insightful reports and graphs, investment tracking, bill pay integration. 
• Cons: Can feel overwhelming for some users, limited investment features, privacy concerns for some, occasional sync issues.

2. Acorns (Micro-investing) 

• General information: Acorns: Save & Invest is a fintech app that aids in investing and saving, with over 20 million downloads and $15+ billion invested since its launch. It’s popular for micro-investing, rounding up users’ everyday purchases to the nearest dollar.   
• Key features: Automated micro-investing, round-up feature, personalized investment portfolios, fractional shares, educational resources, goal setting, security features. 
• Pros: Easy to use and set up, automated saving and investing, low minimums, educational resources, goal-oriented investing. 
• Cons: Limited investment options, higher fees compared to some brokers, lack of customization, no tax-advantaged accounts.

3. YNAB (You Need A Budget) (Budgeting)

• General information: The YNAB app is designed to be highly efficient for beginners, utilizing a distinctive envelope-based system to effectively allocate funds. Users have the option to subscribe for $14.99 per month or choose an annual subscription for $99 per year. 
• Key features: Envelope system for budget allocation, rule-based saving, debt management tools, goal setting, transaction categorization, reporting, security features. 
• Pros: Powerful envelope system enforces mindful spending, effective for breaking debt cycles, goal-oriented approach, detailed reports. 
• Cons: Annual subscription fee, learning curve for the envelope system, limited automation features, less flexibility than some competitors.

4. Zelle (Money Transfer)

• General information: Zelle is a P2P money transfer app that enables users to send and receive money quickly, even between different banks. It’s integrated into many banking apps, making transactions seamless and convenient. Zelle doesn’t charge transaction fees, making it a cost-effective choice.  
• Key features: Fast bank-to-bank transfers, secure and reliable, directly linked to bank accounts, available within most banking apps. 
• Pros: Convenient and instant transfers between enrolled users, high security standards, no fees for most users, integrated with banking apps. 
• Cons: Limited availability by bank requires both sender and recipient to be enrolled, not suitable for international transfers. 

5. Digit (Savings)

• General information: Digit is an app designed to motivate individuals to save a greater amount of money. By linking to your checking account, it effortlessly sets aside a small or random amount of money into a separate savings account until you decide how you want to use it 
• Key features: Automated savings, analyzes spending patterns, personalized savings goals, overdraft protection, security features 
• Pros: Seamless saving automation, personalized insights, overdraft protection, no fees, easy to set up 
• Cons: Limited control over savings amount, potential for over-saving, no interest on savings, no tax-advantaged accounts

6. Chime (Mobile Banking)

• General information: Chime, a rapidly growing mobile-only bank in the USA, offers users the ability to manage their spending and savings accounts with no hidden fees. It stands out as a top budgeting tool due to its variety of automatic saving options.  
• Key features: Free online banking, early direct deposit, roundup saving, automatic transfers, mobile check deposit, debit card with fee reimbursements, security features. 
• Pros: No fees, convenient online banking experience, early direct deposit, roundup saving feature encourages automatic saving, mobile check deposit. 
• Cons: Limited branch access, potential fees for overdrafts, limited investment options compared to traditional banks, may not be suitable for those requiring complex banking services.

7. Personal Capital (Finance Management) 

• General information: Personal Capital is a personal finance app that integrates account aggregation and budgeting with investment tracking and retirement planning features. It has a basic no-cost edition and a premium version that provides a more comprehensive investment analysis for an annual fee of $299. 
• Key features: Budgeting tools, transaction categorization, net worth tracking, investment checkup, retirement planning tools, fee analysis, portfolio monitoring, security features. 
• Pros: Free basic version with valuable features, detailed net worth and investment analysis, personalized financial advice (Premium), user-friendly interface. 
• Cons: Premium features can be expensive, limited budgeting tools in the free version, no bill pay integration, occasional reporting glitches.

8. Venmo (Peer-to-Peer Payments)

• General information: Venmo is a popular social payment service with a staggering user base of more than 83 million. This service facilitates seamless money transfers, enabling users to effortlessly send, receive, and request funds. 
• Key features: Peer-to-peer (P2P) money transfers, split bills, social feed, instant transfers, purchase protection, security features. 
• Pros: Easy and quick transfers between friends, social features add a fun element, instant transaction completion, no fees for personal use. 
• Cons: Not ideal for large transactions or business payments, limited financial management tools, potential privacy concerns with social features.

9. Gemini (Cryptocurrency exchange)

• General information: Gemini is an app that lets users purchase, sell, and store different cryptocurrencies. It offers advanced trading tools, real-time market data, and supports over 300 trading pairs. Users may plan periodic purchases, set up price alerts, and even take part in the blockchain ecosystem. 
• Key features: Secure cryptocurrency trading and storage, diverse cryptocurrencies, high-level security measures, earning features like lending, security features. 
• Pros: Emphasis on security, insurance for assets, wide range of cryptocurrencies, earning opportunities, user-friendly interface. 
• Cons: Higher fees than some competitors, limited customer support options, fewer educational resources compared to some platforms.

10. Stash (Fractional Share Investing)

• General information: Stash is an investment app tailored for beginners with a substantial user base of more than 2 million active subscribers. This app provides hassle-free and automated investing through its Smart Portfolio feature, enabling individuals to commence their investment journey in stocks and ETFs without incurring any additional commission fees. 
• Key features: Fractional share investing, thematic investing, educational resources, personalized portfolios, automatic investing, goal setting, security features 
• Pros: User-friendly interface, fractional shares accessibility, diverse investment options, thematic investing approach, educational resources 
• Cons: Monthly subscription fee, limited research tools compared to traditional brokers, no tax-advantaged accounts, occasional platform lag.

11. Robinhood (Stock trading)

• General information: Robinhood is a financial app that allows users to trade stocks, options, ETFs, and cryptocurrencies with zero commission fees. It offers features like advanced charts, Robinhood Gold for earning on uninvested cash, and a Robinhood Cash Card for earning cash back. Users can also own and control their crypto in a Web3 wallet. 
• Key features: Commission-free stock and ETF trading, options trading, cryptocurrency trading (limited), margin trading, watchlists, market news, security features. 
• Pros: Easy-to-use interface, commission-free trading, fractional shares, options trading, crypto access. 
• Cons: Limited research tools and educational resources, margin trading risks, potential for impulsive trading, no customer support phone line.

12. PayPal (Payments and online services)

• General information: PayPal serves as a worldwide payment app that offers a simple and secure way to manage your account, shop online and in-store, and discover cashback offers from brands you love. PayPal provides a debit card that allows users to shop everywhere. Mastercard is accepted, and you can withdraw cash at ATMs worldwide. 
• Key features: Online payments, secure money transfers, buyer/seller protection, invoicing, bill pay, mobile payments, merchant services, security features. 
• Pros: Widely accepted, convenient for online transactions, strong security measures, buyer/seller protection, mobile app functionalities. 
• Cons: Fees for certain transactions, limited investment options, potential account limitations for high-volume users.

13. Cash App (Mobile Banking)

• General information: Cash App, a popular money transfer and mobile banking app, lets you send, receive, and invest all from your phone.
• Key features: A free basic service with features like mobile banking, peer-to-peer payments, and stock investing with no commissions.
• Pros: Cash App boasts a user-friendly interface and integrates with a debit card for purchases and ATM withdrawals.
• Cons: While convenient, Cash App may not be ideal for complex investing and has limitations on customer support.

14. SoFi (Finance, Investing)

• General information: SoFi is a comprehensive financial app that enables users to conveniently handle their banking, borrowing, and investing needs. With its array of features, users can effortlessly manage their finances, engage in investment and trading activities, stay updated with interest rates, apply for loans, and even earn rewards points. 
• Key features: Checking and savings accounts, credit cards, student loan refinancing, personal loans, investing platform, educational resources, security features. 
• Pros: All-in-one financial hub, competitive rates on loans and accounts, cashback rewards on credit cards, educational resources, intuitive interface. 
• Cons: Lacks budgeting tools compared to dedicated apps, limited investment options, potential fees for certain services, customer service experiences vary.

15. Coinbase (Cryptocurrency Exchange)

• General information: Coinbase, a secure cryptocurrency exchange app trusted by over 110 million users worldwide, supports buying, selling, trading, storing, and staking various cryptocurrencies. It offers features like automatic buys, crypto earning through learning, and real-time news and price tracking.  
• Key features: Buy, sell, and trade cryptocurrencies, user-friendly interface, educational resources, digital wallet, security features. 
• Pros: Easy to use, suitable for beginners, diverse cryptocurrency selection, educational content, strong security measures. 
• Cons: Fees for trades and conversions, limited advanced trading features, potential price volatility risks, customer support delays. 

So, the full comparison table of the lists of the top 15+ best Fintech apps, along with the detailed analysis of each app, is complete.  In the next section, we will delve into the advantages these fintech apps bring to users and how they contribute to a more efficient and streamlined financial experience. 

Benefits of using fintech apps

Here are some benefits of using best Fintech investment apps:

Increasing financial inclusion

With fintech apps, individuals gain access to financial services and products that were previously inaccessible to them. This fosters financial empowerment, particularly for underserved communities.

Improved financial management

These apps equip users with tools and insights that enable them to make informed decisions, helping them save money, avoid debt, and enhance their overall financial well-being.

Greater convenience

One of the key benefits of FinTech apps is the greater convenience they offer. This is especially advantageous for individuals with busy schedules or those residing in remote areas, as they can easily access financial services and products through these apps.

Enhanced security

FinTech apps prioritize the security of users’ data and transactions by incorporating cutting-edge security features. Therefore, it ensures that individuals can confidently utilize these apps without compromising their personal information.

Lower costs

FinTech apps often provide lower costs compared to traditional financial institutions. This is due to their reduced overhead expenses, making them an appealing option for individuals seeking to save money on fees. A 2017 McKinsey report estimated that by 2025, Fintech could unlock $3 trillion in cost savings for the financial industry. This suggests that Fintech has the potential to bring about a major transformation in how financial services are delivered and managed. 

How to choose the perfect fintech app for your financial needs

Choosing the perfect fintech app for your financial needs requires considering several factors to ensure that the app you select aligns with your financial goals, security requirements, and usability preferences. Here’s a guide to help you make an informed decision:

Identify your financial needs

Clarify what you need from a fintech app. Are you looking for budgeting help, investment advice, savings options, or a combination of services? Knowing your goals can help you narrow down your options to apps designed to meet those specific needs.

Research and list available apps

Once you know what you’re looking for, compile a list of fintech apps that cater to those needs. Use financial blogs, app store reviews, and recommendations from trusted sources to build your list.

Evaluate security measures

Security is paramount when it comes to financial apps. Look for apps that use encryption, two-factor authentication, and are compliant with financial regulations like GDPR or PSD2, depending on your region.

Assess user experience

A great fintech app should not only be functional but also user-friendly. Test the apps for ease of navigation, clarity of information, and overall usability. Many apps offer demos or free trials, which can be very helpful.

Understand the fees

Some fintech apps charge fees for their services. These could be subscription fees, transaction fees, or service charges for premium features. Make sure you understand all potential costs associated with each app to avoid surprises.

Read reviews and ratings

User reviews and ratings on app stores or financial technology forums can offer valuable insights into the app’s performance and reliability. Pay attention to comments about customer service, response times, and how the company handles technical issues.

Check for integration capabilities

If you use other financial tools or apps, check whether the fintech app can integrate with them. This can simplify your financial management by allowing data to flow between services seamlessly.

Consider the app’s roadmap

Look for information about the app’s development plans. Apps that are regularly updated with new features and improvements can offer more value over time.

Test the customer support

Before making your final decision, test the app’s customer support. Quick and helpful customer service can be very important, especially when dealing with financial issues.

Make a decision based on value, not just cost

While it’s important to consider the cost, the cheapest option isn’t always the best. Weigh the app’s benefits against its costs to determine which offers the best value for your needs.

By carefully considering these factors, you can choose a fintech app that not only meets your immediate financial needs but also supports your long-term financial health and goals.

FAQs

Summary

It can be claimed that in the digital world, the importance of using Fintech apps is increasingly recognized. These apps enhance the efficiency and convenience of transactions, providing a better user experience and increased transparency. At the same time, the ongoing digitization of financial services and money creates opportunities to build more inclusive and efficient financial services and promote economic development. 

Hope that this list of the top 15+ best Fintech apps is useful for you and helps you choose the most suitable apps based on your specific needs. Don’t miss out on any of our posts to find out the updated news about the fintech and finance industries if you are operating in this industry.