Top 10 Fintech Applications You Should Use In 2024

Fintech applications have been revolutionizing the way we handle our finances. These apps provide various functions that can assist you with budgeting, saving, investing, and even borrowing money. With so many fintech apps available, it might be difficult to select the best one. In this article, we’ll look at the top 10 fintech apps in 2024.

What are fintech applications?

Fintech apps are financial technology applications intended to make money management easier. They can provide savings accounts, budgeting tools, investment accounts, payment alternatives, borrowing options, and more.

Fintech apps are available for both iOS and Android devices and can be used on a smartphone or tablet.

How to choose a fintech application?

When choosing fintech applications, evaluate your financial goals and the features that are most essential to you. If you want to save money, for example, you should choose an app that provides a high-interest savings account or automated savings capabilities.

If you are interested in investing, you will want an app with a variety of investment possibilities and cheap costs. It is also critical to consider the app’s security features and whether it is FDIC-insured.

Top 10 fintech applications in 2024


PayPal is one of the leading fintech applications that has revolutionized online payments. With PayPal, users can securely make online purchases, send and receive money, and manage their finances. To facilitate transactions, you can link your bank account, debit card, or credit card to the app.

PayPal is a convenient payment method for both consumers and businesses due to its user-friendly design and widespread acceptance. PayPal offers comprehensive buyer and seller protection, providing safe transactions and peace of mind. It also facilitates international transactions and money exchange. 


MoneyLion is a mobile application that was released in 2013 and designed to meet the financial demands of numerous users by providing a wide range of financial services in a single place for a flat charge. Users can use this app to invest, build credit, manage their day-to-day banking, and get cash advances.

Despite being primarily aimed towards younger audiences, it is accessible to all smartphone users, allowing them to access the vast majority of traditional financial services provided by traditional physical banks or credit unions.

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Mint is a comprehensive personal financial application that assists users in managing their money and keeping track of their expenses. It integrates with customers’ credit cards, bank accounts, and bills to provide a full picture of their financial situation.

Mint categorizes transactions, develops budgets, and offers personal insights to help users make sound financial decisions. The application’s user-friendly interface and graphics make it simple to comprehend spending patterns and identify chances to make improvements. Mint also sends bill reminders and alerts to users to help them keep on top of their finances.


Chime is another financial technology firm that can be used as an alternative to traditional banking. It provides a simple package that includes one savings account, one checking account, and one protected credit card that can be handled through an appealing app.

A spending account provides a few nice features, such as a fee-free overdraft of up to $200 or an acceleration of your regular direct payments by two days. A savings account has a market-competitive interest rate and no minimum balance requirement; you can earn money even if you only have one penny in your account.


Earnin is an innovative application that allows users to access their paychecks whenever they need them, allowing them to attain more financial confidence and independence.

The application is free. However, it requests donations (up to $14) from users instead of asking them to pay.


Prism is a bill management application that allows users to view and pay in a single place. You can add multiple payment accounts/credit cards, as well as your electricity, water, internet, and gas bills.

When your application is configured, Prism will monitor all of your invoices and send you push alerts on your phone when a bill payment is due. You can pay your bill right now or examine it before paying to change the amount, payment method, or even the date.


Revolut is a digital banking app that provides a variety of financial services. Users can open a multi-currency account, swap currencies at interbank rates, send money globally and use a contactless debit card to make payments. Spending analytics, budgeting tools, and savings features are also available at spending analytics. 

One of Revolut’s remarkable features is its ability to hold and exchange multiple currencies without incurring excessive fees. This makes it excellent for frequent travelers or those who require international financial services. The app also provides premium membership plans with extra benefits such as priority customer support and travel insurance.


With over 68 million users, Coinbase is one of the best Fintech apps for purchasing, storing, and trading cryptocurrencies. The software is simple to use for Bitcoin newcomers and offers trading in over 100 currencies. It offers a simple interface for trading and storing cryptocurrencies and features such as secure wallet storage and instructional resources.

Advanced users can upgrade to the Pro edition, which includes additional features. However, Coinbase’s costs are much higher than those of other cryptocurrency exchanges. It is popular among beginner and experienced cryptocurrency enthusiasts.


N26 is a banking app that offers various banking services, such as checking and savings accounts and debit cards. N26 provides a streamlined and user-friendly banking experience with features such as budgeting tools, instant notifications, and convenient money transfers.

N26 also has premium account options, which provide additional features like partner discounts, travel insurance, and higher ATM withdrawal limits. The application’s intuitive interface and transparent fee structure make it an ideal choice for individuals looking for a modern and convenient banking experience.


Wealthfront is a robo-advisor application that provides automated investment services. This application creates and manages diversified portfolios based on users’ financial objectives and risk tolerance. Wealthfront uses advanced algorithms to optimize investment approaches and reduce fees.

The app offers features such as tax-loss harvesting and automatic rebalancing to assist users in maximizing their investment returns. Wealthfront also provides a cash account with a competitive interest rate, which allows users to earn interest on their cash balances.

 => Watch More:  10 Most Popular Digital Banking Platforms In 2023


The rapid growth of fintech applications in the dynamic field of finance has altered how we manage money, perform transactions, and prepare for the future. There is undoubtedly an opportunity for much better and more innovative projects by fintech app.

So, if you want to enter the exciting world of fintech by launching a startup or developing an app, we can help you. SmartOCS conducts frequent analyses of the fintech market and understands how the best apps succeed in the face of competition. If you want to make it in this market, we are more than happy to assist you in reaching your goals. Contact us now! And don’t forget to check our website here for more details about our services and products.


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