Mobile App Development

Top 10+ Fintech Apps in 2024: Breaking Down the Best

best-fintech-apps- in-2024

We have enlisted the best fintech mobile apps in 2024 and how they are transforming the world. 

A quick question for you. How many fintech apps do you use daily? Is it one, two, or even more? According to reports, the average US millennial uses 4.3 fintech apps.

Fintech app development has taken the finance world to a whole new level in a very short time. These apps have comforted people to access various financial services, such as stock trading, cross-border payments, cryptocurrency trading and investments, and more, which they might not use because of complicated processes. 

As a result, more people are now participating in financial activities, thanks to intuitive fintech mobile applications. 

Thus, whether it be mobile banking apps or crypto-trading and investment apps, the experts at Quytech have brought you the top 10+ fintech apps in 2024 that have disrupted different segments of the finance world. So, without any delay, let’s begin the conversation. 

Fintech Mobile App Development Industry: Current Market Statistics 

Fintech apps are in great demand worldwide. Explore the following statistics to learn more. 

Source: Deloitte 

  1. According to the reports, fintech will become a $1.5 trillion industry by 2030. 
  1. Global fintech revenues were approximately €92 billion in 2018 and are predicted to increase to more than €188 billion by 2024 (pre-COVID-19 prediction).
  1. According to one survey, nearly half of US customers utilize fintech services regularly, compared to one-third in 2021.
  1. Global BNPL (Buy Now Pay Later) transactions are predicted to grow by almost $450 billion between 2021 and 2026.
  1. By 2025, approximately 4.5 billion individuals worldwide are estimated to use mobile payments, a spike of nearly 2 billion from 2022.

So, these latest numbers show that fintech apps are dominating, and their dominance will grow more in the coming years. Read further to explore the top 10+ fintech apps in 2024. 

Top 10+ Fintech Mobile Apps in 2024: A Complete Breakdown 

The list of the best fintech apps in 2024 is as follows: 

  1. Chime

Founded in 2012, the Chime app is owned by Chris Bratt and Ryan King. It is a neobanking application that provides a wide range of banking services, such as free account set-up, instant money transfers, check deposits via mobile, bill payments, finding nearby ATMs, and more. 

The Chime app is backed by two banks, Bancorp Bank and Stride Bank. the application is cross-platform, meaning it is available for both Android and iOS devices and offers a consistent user experience. 

Users can open and maintain their Chime account without paying any monthly fees. The Chime app also has 24/7 customer support to address users’ grievances through calls or live chat. 

  • Founded in: 2012
  • Founders: Chris Bratt and Ryan King 
  • Category: Neobanking App 
  • Features: Instant payments, mobile check deposits, bill payments, push notifications, nearby ATM locator, and more. 

Downloads: 10M+ 

  1. Mint 

Mint is one of the best personal finance apps that assists users in managing all their financial accounts in one place. It is a budget tracker and planner app that allows users to track their spending, bank statements, credit card bills, investments, loan transactions, and more. 

The Mint app also helps users track their expenses and create and manage custom budgets to meet their financial goals. Aaron Patzer created the Mint app in 2006, and later it was acquired by Intuit. 

The application is available for both Android and iOS platforms. Also, users can access their Mint accounts through the website. 

  • Founded in: 2006
  • Founders: Aaron Patzer, later acquired by Intuit 
  • Category: Personal finance app 
  • Features: Expense tracking, credit score evaluation, credit cards and investments tracking, loan transactions, custom budget planning, and more. 

Downloads: 10M+

  1. Paypal 

Founded in 1998, PayPal is the industry leader in digital payments, allowing users to send and receive money online instantly and securely. The app provides various services, such as online money transfers, money and bill split options, debit and credit card linking, e-check processing, and multi-currency payments. 

PayPal is available for Android, iOS, and other platforms. Users can also access their accounts using the official website. Moreover, PayPal also offers ‘Business Accounts’ for online merchants and vendors. 

The business account has distinct features, such as low fees on received payments, access to PayPal products, manual payment entry, transaction management, set up monthly subscription services, and more. 

  • Founded in: 1998 
  • Founders: Ken Howery, Max Levchin, Luke Nosek, Elon Musk, Peter Thiel, Harris Fricker, Christopher Payne, Ed Ho, and Yu Pan
  • Category: Digital payments app 
  • Features: Online money transfers, e-check processing, money and bill split options, debit and credit card linking, and more. 

Downloads: 100M+

  1. Robinhood

Robinhood is a trading and investment app that also allows users to trade and invest in stocks, ETFs, and cryptocurrencies. The app charges zero fees which attracts most users. 

The Robinhood app has top-notch features, such as commission-free trading, interest on uninvested cash, an option to buy fractional shares, free ATM withdrawals, advanced charts, recurring investments, and more. 

Robinhood was founded by Vladimir Tenev in 2013, and since then, it has been one of the leading crypto and stock trading apps worldwide. Moreover, the Financial Industry Regulatory Authority (FINRA) governs the  Robinhood app, hence it is safe to use. 

  • Founded in: 2013 
  • Founders: Vladimir Tenev and Baiju Bhatt 
  • Category: Stock and crypto-trading and investment app 
  • Features: Commission-free trading, recurring investments, free ATM withdrawals, advanced charts, live support, financial education, and more. 

Downloads: 10M+

  1. Acorns

When we talk about the best fintech apps in 2024, Acorns is a name that we cannot miss out on. Acorns is a micro-investment app that allows users to invest the spare change from their purchases.

The Acorns app was launched in 2014 by Walter Wemple Cruttenden III and Jeffrey James Cruttenden. 

Available for iOS and Android platforms, the app provides distinguished features, such as spare change investment, cashback, mobile check deposit, fee-free ATM withdrawals, saving for retirement, etc. 

  • Founded in: 2014
  • Founders: Walter Wemple Cruttenden III and Jeffrey James Cruttenden
  • Category: Micro-investment app 
  • Features: Spare change investment, mobile check deposit, cashback, free ATM withdrawals, saving for retirement, and more. 

Downloads: 10M+

  1. Binance

Binance is the largest cryptocurrency investing app with more than 170 million users worldwide. Users can trade and invest in 350 listed cryptocurrencies, such as Bitcoin (BTC), Cardano (ADA), Ethereum (ETH), and others. 

The Binance app, or Binance.US ( for United States) is loaded with top-notch features that provide users with enhanced experience in crypto-trading. Some of its features include real-time price alerts, advanced trading tools, flexible payment options, auto-investment, and more. 

It also provides high-end security features, such as advanced end-to-end data encryption, strict KYC protocols, and real-time risk monitoring to protect user data and eliminate the risk of data leaks. 

The Binance app was created by Changpeng Zhao and Yi He in 2017. As of today (at the time of writing this blog), the application has more than 100 million downloads on the Google Playstore.

  • Founded in: 2017
  • Founders: Changpeng Zhao and Yi He
  • Category: Cryptocurrency trading and investment app 
  • Features: Advanced trading tools, real-time price alerts, auto-investment, flexible payment options, and more. 

Downloads: 100M+

  1. Coinbase

Coinbase is another crypto-trading mobile app that allows users to invest in diverse cryptocurrencies, such as Ethereum, Solana, Bitcoin, Polkadot, Polygon, Cardano, and other cryptocurrencies.

Founded in 2013 by Brian Armstrong and Fred Ehrsam, the app has advanced features including crypto transfer, a secure crypto wallet, advanced trading tools, in-depth technical analysis, and charting powered by TradingView.

  • Founded in: 2013
  • Founders: Brian Armstrong and Fred Ehrsam
  • Category: Cryptocurrency trading and investment app 
  • Features: Cryptocurrency transfer, advanced trading tools, intuitive real-time charts, in-depth technical analysis, secured crypto wallet, and more.

Downloads: 10M+

  1. Venmo

Venmo is a top peer-to-peer (P2P) payment app developed by Andrew Kortina and Iqram Magdon-Ismail in 2010. The mobile application has intuitive features, such as easy P2P payments, bill splits, Venmo debit cards, QR scan and payments, and direct deposit to access paycheck two days early. 

Venmo is one of the leading fintech apps in 2024 and beyond that has more than 50M+ downloads worldwide. Moreover, the app also allows users to invest in cryptocurrencies. The application is available for iOS, Android, and other platforms. 

  • Founded in: 2010
  • Founders: Andrew Kortina and Iqram Magdon-Ismail
  • Category: Peer-to-peer payment app 
  • Features: Swift P2P payments, Venmo debit cards, bill splits, QR scans and payments, direct paycheck deposits, and more.  

Downloads: 50M+

  1. Cash App

Cash app is one of the best instant payment apps that allows users to send, spend, save, and invest their money. It has features like no-cost instant money transfers, tax filing, an option to trade Bitcoin(BTC), trade and invest in stocks, and financial management. 

Cash App was founded by Bob Lee, and currently is owned by Block, Inc. It has more than 50M+ downloads on Playstore. 

  • Founded in: 2013
  • Founders: Bob Lee 
  • Category: Instant payment app
  • Features: No-cost instant money transfers, Bitcoin(BTC) trading, tax filing, stock trading and investing, financial management, and more. 

Downloads: 100M+

  1. Betterment

Betterment is among the best portfolio management apps, allowing users to manage their portfolios all in one place. It has an intuitive user interface and top-notch features that help people manage their bank balances, stocks, and other investments effectively. 

Some of the distinguished features of the Betterment app include an all-in-one financial dashboard, easy money transfers and withdrawals, progress tracking, a dark mode interface, tax filing, and more. 

The Betterment app was founded by Jon Stein in 2008. 

  • Founded in: 2008
  • Founders: Jon Stein  
  • Category: Portfolio management app 
  • Features: Financial dashboard, money transfers and withdrawals, progress tracking,  tax filing, a dark mode interface, and more.

Downloads: 500K+

  1. Stash 

Stash is another investment app designed especially for beginners who want to start their investment journey. The mobile application has user-friendly features, such as automated investing, custom investing advice, automated recurring investing, etc., making it simple for users to invest their capital in various financial instruments. 

The Stash app also has high-end security features to protect users’ financial data. Some of them are 256-bit encryption, multi-factor authentication, and continuous fraud monitoring. 

The Stash app was founded by Brandon Krieg, David Ronick, and Ed Robinson in 2015-16. 

  • Founded in: 2015-16
  • Founders: Brandon Krieg, David Ronick, and Ed Robinson
  • Category: Investment app
  • Features: Automated investing, custom investing advice, automated recurring investing, financial education, and more. 

Downloads: 10M+ 

  1. YNAB

The YNAB, also known as You Need A Budget, is a popular budgeting mobile app that helps users set customized budgets and meet their financial goals. 

The mobile app has features, such as loan payoff management, expense tracking, customized goal setting, spending & net worth reports, and more, that help users create budgets and track their progress effectively to reach their financial milestones. 

You Need A Budget mobile application was founded by Jesse Mecham in 2004. 

  • Founded in: 2004
  • Founders: Jesse Mecham
  • Category: Budgeting app
  • Features: Loan payoff management, customized goal setting, expense tracking, spending & net worth reports, and more. 

Downloads: 1M+ 

  1. Zerodha Kite

The Zerodha Kite is another popular stock trading and investing app, that helps users to buy, sell, and trade stocks and invest in mutual funds, ETFs (exchange-traded funds), government bonds, and gold bonds. 

The stock trading and investment app has numerous advanced features that provide users with easy, and lightning-fast trading and investing experience. 

Some of the features of Zerodha Kite include universal instrument search, intuitive user interface, advanced charting, alerts, BHIM UPI compatibility, and more. 

The Zerodha Kite app was founded by Nithin Kamath in 2019 and is available for both Android and iOS platforms.

  • Founded in: 2019
  • Founders: Nithin Kamath
  • Category: Stock trading and investment app 
  • Features: Universal instrument search, advanced charting, alerts, intuitive user interface, BHIM UPI compatibility, and more. 

Downloads: 10M+

  1. OctaFX 

OctaFX, now known as Octa, is a forex trading app that allows users to trade and invest in foreign exchanges seamlessly. Users can keep track of performance on trading stocks and other trading instruments using the mobile application. 

The Octa app has various features, such as zero commissions, real-time stock monitoring, trading charts, stock transfer management, and 24/7 customer support. The Octa mobile app was founded in the year 2011.  

  • Founded in: 2011
  • Founders: Not Available 
  • Category: Forex trading app
  • Features: Zero commissions, trading charts, real-time stock monitoring, stock transfer management, and 24/7 customer support. 

Downloads: 10M+

So, these are the top fintech apps in 2024. If you have an idea for developing a custom fintech app, feel free to reach out to us.

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Best Fintech Apps That Are Revolutionizing the Market

We have categorized the best Fintech apps that are revolutionizing the market. 

How are Fintech Apps Transforming the Finance World? 

Fintech apps are transforming the finance world in the following ways: 

  1. Easy Access to Finance

Fintech apps are the best means to access various aspects of finance. Whether it is budget tracking or stock trading, the fintech mobile apps have allowed users to access the finance world in a whole new way. Now, more people are actively participating in financial activities. 

For instance, earlier, very less used to trade in stocks because they needed to go to stock exchanges, such as Nasdaq to buy or sell stocks. Now, with technology progression, anyone can trade stocks from anywhere in the world, thanks to fintech apps. 

  1. Improved User Experience

Saving and managing money has become easy because of the fintech app development. With intuitive user interfaces and high-end technologies such as Blockchain, Artificial Intelligence, and the Internet of Things, people find it easy to save, manage, and invest money in various financial instruments. 

AI-enabled risk analysis, highly secured platforms powered by Blockchain, Generative AI robo advisors, and other technology advancements have enhanced the user experience and made it extremely easy for them to meet their financial goals. 

  1. Data-Driven Insights

Finance apps have helped banks and financial institutions collect and analyze user data to gain insights into their preferences. 

Financial people use this data to learn what users want, and therefore, they create new financial schemes and offers that benefit both users and financial institutions.

The data collected through finance apps are used to create new loan schemes, optimize interest rates, craft other banking schemes, etc. 

  1. Growth in Financial Inclusion

Earlier, only a few people were concerned about their financials. But as time passes and technology gets more advanced, more people have started taking their finances seriously. 

One of the major reasons is fintech mobile apps that play a crucial role in educating people about finance and its importance. Also, they serve as platforms, that people can use to manage their finances and reach their goals. 

  1. Innovation in Financial Products

Fintech app development has already introduced innovations in the world. And it is predicted that with time, more innovative things are yet to come. Thanks to finance apps, today we are surrounded by various revolutionary developments. 

Some of them are P2P payment systems, that allow us to send and receive money instantly, generative AI-enabled robo advisors that provide financial advice tailored to user’s financial needs, and automated bill payment systems, that pay our bills on the chosen date automatically. 

We’re only at the dawn of what’s possible; there’s a whole world of advancements waiting to be explored!

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Summing Up 

Fintech apps have made our lives far easier when it comes to managing finances. There are numerous solutions available that help us save, manage, track, and invest our money. 

We hope you loved our blog on the top 10+ fintech apps in 2024. Moreover, if you are looking forward to developing a fintech app, contact our team right away. 

Quytech is a leading fintech app development company in India that transforms the finance world with futuristic thinking strategic development and innovation. 

Collaborating with Quytech will provide you with the following benefits: 

  • In-depth consultations
  • Expertise of experienced fintech app developers. 
  • Cutting-edge technologies, such as AI, Blockchain, and more. 
  • On-time delivery 
  • Post-development support 

So, what are you waiting for, contact us today! For more information, visit