Top 10 Fintech Apps That Are Set to Change the World


Fintech is a phrase used to refer to innovations in the financial and technology sector. In general, it refers to services or companies that provide financial services using technology to consumers and businesses. They include several financial education apps, retail banking and lending apps, investment apps, cryptocurrency apps, peer-to-peer money transferring apps, among others. We will go through the top 10 Fintech apps in a shorter time than you can say “Yabadabadooo.”

1. Honeydue

Honeydue is a money management app that helps reduce money-related disputes among couples by offering a means of sharing information on their respective account balances and expenditure. This fantastic app lets couples comment on individual operations and manage bill reminders together. Honeydue is aimed at improving financial relationships between couples.


  • Honeydue supports a considerable number of banks and credit card companies
  • It has flexible budget plans
  • Recurring bills and reminders


  • It doesn’t have a web version

Given that Honeydue is free software, it offers most of the tools you would need in a budgeting app. For most couples, Honeydue is one of the best options.

2. Finch

Finch is a Fintech app with a vision of reimaging the consumer finance experience. Finch combines social payments and financial insights to assist consumers in staying up to par with their financial standing.

The app’s Chief Executive Officer, Toby Gardner says that Finch is not only for financial purposes, but it’s a social platform as well.

Finch users will be able to:

  • Pay and request for money in less than 5 seconds
  • Share expenses in groups to assist in accountability
  • Be able to split bills among people during payments
  • Get insights which are aimed to help users improve their spending habits

3. Emma

Emma is a personal finance management app that helps users in avoiding overdrafts and finding wasteful subscriptions. Emma also allows users to connect to their bank accounts and assist them in keeping track of their expenses.

The app also provides financial advice and suggestions for managing your budget. Emma’s ultimate goal is to have an app that combines all the users’ financial information in one app, hence eliminating the need for multiple banking apps, giving the user full control over their personal finances. It uses state of the art security measures to ensure complete data protection. This app is free and available on both Android and iOS.


  • Easy to track expenses
  • Product is well built
  • Automatically allocates expenses into categories
  • Runs on both Android and iOS platforms


  • No multi-currency support
  • Available for UK users only

4. Bundil

Bundil is a mobile app that allows users to automatically invest spare change, from day to day expenditure from credit/debit card purchases to cryptocurrency.

Cryptocurrency investing might be a little difficult for the average person, but Bundil helps eliminate this barrier by easily rounding up your purchases and investing the spare change. Bundil connects to the Coinbase account and buys coins. It also gives users the choice of choosing which cryptocurrency they would like to invest in. Everything is done right in the app, from tracking ones portfolio and growth to managing their currencies.

This app will be handy for people who are willing to invest in cryptocurrencies but don’t know where to start. This app is only available on iOS.

Price $1/month paid annually.

5. Runway

Runway is a free cash planning web application developed for startups. It was built to make it simpler for founders with little or no accounting and finance backgrounds to be able to control business cash flow. This application allows users to create a financial model that will help them monitor how future financial decisions can affect their business.

The app also enables users to create numerous expense and income scenarios to see how they will affect cash flow. Runway is a visual tool that assists startups in understanding and managing cash runway.

6. Inly

If you are one of the people who doesn’t like dealing with invoices or checks, then this app is for you. Inly makes sending and receiving of invoices a walk in the park, which in turn helps clients pay faster.

Additionally, this app permits users to create custom contracts for clients and business analytics. For one to use this application, you will have to sign up, set up a stripe account in case you don’t already have one, from there you can start receiving and sending payments.

Inly is a free app, but there is a pro version that costs $6/month.

7. Robinhood Crypto

Robinhood Crypto is an application that allows users to invest in conventional securities. Interested parties can purchase cryptos, ETFs, and stocks all within the app’s interface.

One of the main advantages of this app is that it lets its users keep track of the prices and news of some of the best cryptos in the market such as Stellar, Litecoin, Bitcoin, Dash, ZCash, Ripple and Ethereum among others.

Robinhood crypto’s zero fee transactions is another thing that makes it worth trying, and they say their main goal is to try and do away with transactions and trading fees in the market. In general, it assists any user to easily invest in the stock market and buy cryptocurrencies without having to part with the trading fees.

Users can buy and sell up to $1000 worth of cryptocurrency with a bank transfer. The app is available on iOS and Android.

8. Hubdoc

Keep all your financial documents like bank statements, credit card statements, invoices, and bills in one place. Your accountant will thank you for this one.

Had a business dinner, take a photo of the receipt with the hubdoc app and the invoice will be there in your account. The software will read all the amounts from the receipt and makes it searchable. You can also forward all the emails you get with invoices and bills to a hubdoc designated email, where they will be sitting in your hubdoc account with all the numbers and names searchable.

Hubdoc also connects with your favorite accounting software to make things easier, although the integrations still need some work according to some users.

9. Coinbase

Coinbase is a popular application that deals with cryptocurrency aimed at making it easy and secure to use, buy, store and accept digital currencies. The Coinbase app consists of many exciting features which make the user experience a lot better.

  • Users can buy and sell digital currencies and be able to keep track of them all in the same place
  • Users don’t have to worry about the safety of their currencies; Coinbase provides vault protection to store your funds
  • Easy ways to invest in digital currencies with the availability of scheduling buys; daily, weekly or monthly

10. Mint

Last but not least, the leader in personal finance organizers helps you take charge of your finances with its online budget planner. Their budget tracker helps you understand your spending so that you can plan things better.

Mint connects to your bank accounts and categorizes all your spending automatically for you so that you can see how much you are spending on food, entertainment, and groceries. Ready to be surprised about how much those nights out on the town actually cost you!?

So here we are… I hope that you found some apps that can help you with your financial situation. Fintech is getting billions in funding, so be ready for some more great Fintech apps coming to your phone in the near future.