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Grab Financial Group, Nium, and Airwallex dominate digital banking and cross-border payments across Singapore and Southeast Asia.
Aspire, Funding Societies, and Endowus empower SMEs and investors with smarter financing, expense management, and AI-driven wealth platforms.
Thunes, Wise, YouTrip, and Sygnum strengthen Singapore’s global fintech reputation through payments infrastructure, remittances, and regulated digital assets.
Singapore is a global leader in financial technology. The top fintech companies in Singapore continue to change how we handle money. With strong support from the government and a focus on new ideas like Artificial Intelligence (AI), the fintech firms thrive here. This growth is backed by a resilient economy and high smartphone usage. Thus, making it easier for people to access digital banks and payment tools every single day.
Grab is much more than just a ride-hailing app. Through its financial arm, it has become a major player in digital payments and banking. It is growing fast, especially after its recent move to buy the investing platform Stash. This allows the company to offer even more ways for users to grow their wealth directly from their phones. Its digital bank, GXS, which is a partnership with Singtel, is also helping people who might not have had full access to traditional banks before.
Nium is a standout name when it comes to sending money across borders. Businesses use Nium to make payments to over 220 countries in more than 100 different currencies. It has simplified the complex world of global banking. Nium is a top choice for companies that need to move money quickly and safely without dealing with the usual delays of old-fashioned bank transfers.
Small and medium businesses (SMEs) find traditional banking a bit slow. Aspire solves this by providing an all-in-one finance platform. It offers business accounts, corporate cards, and tools to manage company spending all in one place. Aspire teamed up with the startup builder Antler to help new companies get off the ground. Its focus on making business finance easy has made it a favorite for over 15,000 firms in the region.
Endowus is a leader in ‘WealthTech,’ which is just a fancy way of saying technology for investing. The company helps people manage their private savings and public pension funds, like the CPF in Singapore. What sets them apart is their use of AI to give smart advice and build portfolios that fit each person's needs. Endowus launched an income-focused portfolio, showing it is always looking for new ways to help investors earn more.
If you have ever used PayPal or Uber, you might have used Thunes without even knowing it. This company allows big global brands to send and receive payments. Based in Singapore, Thunes has built a massive network that connects mobile wallets and bank accounts all over the world. Thunes is a core part of the infrastructure that keeps the global digital economy moving smoothly in 2026.
Also Read: 10 Leading Fintech Companies in the UAE (2026)
Airwallex is another powerhouse in the world of global payments. The company offers businesses with multi-currency accounts and cards that work anywhere. Its technology is built to be developer-first, which means other tech companies can easily plug Airwallex’s tools into their own apps. With a very high valuation and plans to grow even more in 2026, it is a key bridge for companies that want to go global.
For travelers and people who shop on international websites, YouTrip is a household name. It is a multi-currency mobile wallet that lets users spend money abroad without paying extra fees for changing currencies. As travel has picked up again, YouTrip has shown great strength. Their app is simple to use and helps people save money every time the company buys something in a foreign currency.
This company focuses on ‘Alternative Financing.’ Funding Societies help small businesses get loans that they might not be able to get from a big bank. By using data and smart tech to decide who to lend to, Funding Societies has helped thousands of SMEs across Southeast Asia grow. The company plays a vital role in the economy by making sure small businesses have the cash they need to keep running.
As digital assets and cryptocurrencies become more common, Sygnum has stepped in as a regulated digital asset bank. The firm holds licenses in both Singapore and Switzerland. Sygnum is a bridge between the world of traditional money and the new world of digital tokens. It focus on safety and following the rules, which helps big investors feel comfortable moving into the crypto space.
Wise is famous for making international money transfers cheap and transparent. While it started in London, its Singapore office is now a major hub for its work in Asia. Wise is known for showing users exactly what the company is paying in fees, with no hidden costs. In 2026, the firm continues to be a top choice for both individuals and businesses who want to send money abroad without being overcharged by traditional banks.
Also Read: Is Gen Z Rewriting or Ruining Personal Finance? What’s Next in Fintech
The future of fintech in Singapore looks incredibly bright as we head deeper into 2026. With the government’s latest budget increasing support for the financial sector, these firms have a perfect environment to grow. We are seeing more AI being used to stop fraud and help customers, making banking safer and faster for everyone. Whether it is paying for a coffee or investing for retirement, these ten companies are leading the way in making finance work better for all of us while keeping Singapore at the very center of global innovation.
1. Is Singapore still good for fintech startups in 2026?
Yes, Singapore remains one of the best places for fintech startups in 2026. The government supports innovation with funding, clear regulations, and strong digital infrastructure. The country also attracts global investors and tech talent. This makes it easier for fintech companies to launch products, test new ideas, and expand across Southeast Asia and other markets.
2. Which Singapore fintech company is best for small businesses?
For small businesses, Aspire and Funding Societies are popular choices. Aspire offers business accounts, corporate cards, and expense tools in one platform. Funding Societies focuses on alternative financing and SME loans. Both companies make it easier for small firms to manage money, access funding, and avoid slow traditional banking processes.
3. Who are the biggest fintech players in Singapore right now?
Some of the biggest fintech players in Singapore right now include Grab Financial Group, Nium, Airwallex, Aspire, Endowus, Thunes, Funding Societies, YouTrip, Sygnum, and Wise. These companies operate across digital banking, cross-border payments, SME finance, wealth management, and global money transfers. Many of them serve customers across Asia and beyond, making Singapore a key fintech hub in 2026.
4. What does Grab do?
Grab started as a ride-hailing app but has grown into a major fintech and digital services company in Southeast Asia. Through Grab Financial Group, it offers digital payments, lending, insurance, and banking services. Its digital bank, GXS, provides savings and financial tools to users. Grab aims to make everyday financial services simple and accessible through its mobile app.
5. Why do so many fintech companies choose Singapore?
Fintech companies choose Singapore because it offers strong regulation, easy access to Asian markets, and advanced digital infrastructure. The financial system is stable, and the government actively supports technology and innovation. Singapore also acts as a gateway to Southeast Asia, making it a strategic base for companies that want to grow regionally and globally.
