# Top 26 Fintech Startups in South Africa by Funding (2026)

> The 26 best-funded fintech startups in South Africa, ranked by total funding raised: $702M combined. With founding year, headquarters and each company's rounds.

Source: https://millionrounds.com/top-lists/fintech-startups-south-africa (Millionrounds; every figure on the page links to its filing or article)

- 1 [**Tyme Group** Tyme is creating a multi-country digital bank focused on emerging markets.](https://millionrounds.com/company/tyme-group) Tyme is creating a multi-country digital bank focused on emerging markets. *Founded* 2020 South Africa **$250M** last round Dec 2024
- 2 [**Yoco** Yoco is a South African fintech company that specializes in point-of-sale payment hardware and software solutions for small and medium-sized businesses (SMEs).](https://millionrounds.com/company/yoco) Yoco is a South African fintech company that specializes in point-of-sale payment hardware and software solutions for small and medium-sized businesses (SMEs). *Founded* 2015 Cape Town, South Africa **$118M** last round Nov 2026
- 3 [**Jumo**](https://millionrounds.com/company/jumo) *Founded* - South Africa **$100M** last round Nov 2025
- 4 [**Lula** Lula is a prominent South African fintech company focused on enhancing business banking and funding for Small and Medium-sized Enterprises (SMEs).](https://millionrounds.com/company/lula) Lula is a prominent South African fintech company focused on enhancing business banking and funding for Small and Medium-sized Enterprises (SMEs). *Founded* 2014 Cape Town, South Africa **$85M** last round Feb 2026
- 5 [**Lulalend** Lulalend is an online lending company that provides fast and easy working capital funding to small businesses in South Africa.](https://millionrounds.com/company/lulalend) Lulalend is an online lending company that provides fast and easy working capital funding to small businesses in South Africa. *Founded* 2014 South Africa **$28M** last round Feb 2026
- 6 [**Paymenow**](https://millionrounds.com/company/paymenow) *Founded* - South Africa **$23M** last round Jul 2025
- 7 [**iiDENTIFii** iiDENTIFii is a biometric identity verification and digital onboarding platform based in Cape Town, South Africa.](https://millionrounds.com/company/iidentifii) iiDENTIFii is a biometric identity verification and digital onboarding platform based in Cape Town, South Africa. *Founded* 2018 Cape Town, South Africa **$15M** last round Oct 2022
- 8 [**Kuunda** Kuunda provides liquidity management and data insight tools enabling users to fulfill financial needs through a digital platform.](https://millionrounds.com/company/kuunda) Kuunda provides liquidity management and data insight tools enabling users to fulfill financial needs through a digital platform. *Founded* 2018 South Africa **$13M** last round Oct 2026
- 9 [**Talk360** Talk360 connects lives and bridges distance by making international phone calls affordable and accessible for everyone.](https://millionrounds.com/company/talk360) Talk360 connects lives and bridges distance by making international phone calls affordable and accessible for everyone. *Founded* 2016 Amsterdam, South Africa **$9.8M** last round Feb 2026
- 10 [**LittleFish** littlefish is a Johannesburg-based fintech and merchant-services platform founded in 2021.](https://millionrounds.com/company/littlefish) littlefish is a Johannesburg-based fintech and merchant-services platform founded in 2021. *Founded* 2023 Johannesburg, South Africa **$9.5M** last round Mar 2026
- 11 [**Sourcefin** Sourcefin is a South African fintech company based in Johannesburg, established in 2020.](https://millionrounds.com/company/sourcefin) Sourcefin is a South African fintech company based in Johannesburg, established in 2020. *Founded* 2020 Sandton, South Africa **$8.2M** last round Dec 2024
- 12 [**Flood**](https://millionrounds.com/company/flood) *Founded* - South Africa **$7.7M** last round Aug 2025
- 13 [**Happy Pay** Happy Pay is a fintech company based in Cape Town, South Africa, founded in 2021.](https://millionrounds.com/company/happy-pay) Happy Pay is a fintech company based in Cape Town, South Africa, founded in 2021. *Founded* 2021 Cape Town, South Africa **$6.8M** last round Mar 2026
- 14 [**Khula** KHULA!](https://millionrounds.com/company/khula) KHULA! *Founded* 2016 Randburg, South Africa **$6.8M** last round Mar 2025
- 15 [**Nomanini** Fintech SaaS platform to deliver digital financial services to the informal retail trade.](https://millionrounds.com/company/nomanini) Fintech SaaS platform to deliver digital financial services to the informal retail trade. *Founded* 2011 Cape Town, South Africa **$6.5M** last round Feb 2021
- 16 [**Jem HR**](https://millionrounds.com/company/jem-hr) *Founded* - South Africa **$3.3M** last round Mar 2025
- 17 [**NjiaPay** NjiaPay is a payment performance partner built for African businesses that rely on digital revenue.](https://millionrounds.com/company/njiapay) NjiaPay is a payment performance partner built for African businesses that rely on digital revenue. *Founded* 2024 Cape Town, South Africa **$3.1M** last round Mar 2025
- 18 [**Locstat** Locstat is a South African artificial intelligence startup founded in 2016 and based in Cape Town.](https://millionrounds.com/company/locstat) Locstat is a South African artificial intelligence startup founded in 2016 and based in Cape Town. *Founded* 2016 Cape Town, South Africa **$2.9M** last round Oct 2025
- 19 [**Orca Fraud** Orca Fraud is a South African FraudTech company based in Cape Town, specializing in an AI-driven fraud orchestration platform.](https://millionrounds.com/company/orca-fraud) Orca Fraud is a South African FraudTech company based in Cape Town, specializing in an AI-driven fraud orchestration platform. *Founded* 2024 Cape Town, South Africa **$2.4M** last round Mar 2026
- 20 [**TurnStay** TurnStay is a fintech company founded in 2021 and based in Cape Town, South Africa.](https://millionrounds.com/company/turnstay) TurnStay is a fintech company founded in 2021 and based in Cape Town, South Africa. *Founded* 2021 Cape Town, South Africa **$2.0M** last round Aug 2025
- 21 [**Inclusivity**](https://millionrounds.com/company/inclusivity) *Founded* - South Africa **$1.6M** last round Jun 2019
- 22 [**Trade Shield** Trade Shield is a South African predictive SaaS platform specializing in trade credit risk management.](https://millionrounds.com/company/trade-shield) Trade Shield is a South African predictive SaaS platform specializing in trade credit risk management. *Founded* - Sandton, South Africa **$820K** last round Mar 2025
- 23 [**Scale**](https://millionrounds.com/company/scale) *Founded* - South Africa **$700K** last round Oct 2024
- 24 [**MoneyBadger** MoneyBadger is a South African startup that specializes in Bitcoin and cryptocurrency payments.](https://millionrounds.com/company/moneybadger) MoneyBadger is a South African startup that specializes in Bitcoin and cryptocurrency payments. *Founded* 2021 Stellenbosch, South Africa **$400K** last round Jul 2025
- 25 [**Street Wallet** Street Wallet is a South African fintech startup founded in 2021.](https://millionrounds.com/company/street-wallet) Street Wallet is a South African fintech startup founded in 2021. *Founded* 2021 South Africa **$350K** last round Aug 2025
- 26 [**StartMe** StartMe is a crowdfunding platform for South African entrepreneurs and creationists.](https://millionrounds.com/company/startme) StartMe is a crowdfunding platform for South African entrepreneurs and creationists. *Founded* 2011 South Africa **$50K** last round Oct 2011

**Total funding** how the list is ranked

**15 November 2026** updated nightly

**Rounds we track** source: Millionrounds

Companies whose funding rounds we classed in this sector, ranked by the total they have raised in rounds we hold. Nobody pays to be on a list.

## Who backed them?

Open any company for its rounds and investors, or search the investors who back fintech startups in South Africa in the app, with filters, lists and exports.

[Find their investors](https://millionrounds.com/login?join=1&next=/app/investors)[All top lists](https://millionrounds.com/top-lists)

## More fintech lists

[See all](https://millionrounds.com/top-lists?t=Fintech)

[*AF* *R* *S* **Fintech startups worldwide** 3,200 companies · $94B](https://millionrounds.com/top-lists/fintech-startups)[*R* *S* *K* **Fintech startups in the United States** 1,301 companies · $55B](https://millionrounds.com/top-lists/fintech-startups-united-states)[*S* *K* *FC* **Fintech startups in Europe** 749 companies · $30B](https://millionrounds.com/top-lists/fintech-startups-europe)[*R* *K* *R* **Fintech startups that raised in 2026** 665 companies · $30B in 2026](https://millionrounds.com/top-lists/fintech-startups-raised-2026)[*FC* *R* *C* **Fintech startups in the United Kingdom** 342 companies · $23B](https://millionrounds.com/top-lists/fintech-startups-united-kingdom)[*R* *K* *R* **Fintech startups in the United States that raised in 2026** 257 companies · $22B in 2026](https://millionrounds.com/top-lists/fintech-startups-united-states-raised-2026)[*K* *P* *I* **Fintech startups in New York** 217 companies · $21B](https://millionrounds.com/top-lists/fintech-startups-new-york)[*S* *R* *A* **Fintech startups in Bay Area** 212 companies · $22B](https://millionrounds.com/top-lists/fintech-startups-bay-area)

## More lists for South Africa

[See all](https://millionrounds.com/top-lists?r=South%20Africa)

[*P* *TG* *AC* **Startups in South Africa** 140 companies · $2.8B](https://millionrounds.com/top-lists/startups-south-africa)[*P* *N* *CT* **AI startups in South Africa** 23 companies · $969M](https://millionrounds.com/top-lists/ai-startups-south-africa)[*F* *CT* *TD* **Big Data & Analytics startups in South Africa** 11 companies · $318M](https://millionrounds.com/top-lists/big-data-startups-south-africa)[*A* *W* *S* **IT Services startups in South Africa** 11 companies · $11M](https://millionrounds.com/top-lists/it-services-startups-south-africa)[*TT* *PP* *S* **E-commerce startups in South Africa** 10 companies · $135M](https://millionrounds.com/top-lists/ecommerce-startups-south-africa)[*P* *H* *L* **AI startups in South Africa that raised in 2026** 10 companies · $379M in 2026](https://millionrounds.com/top-lists/ai-startups-south-africa-raised-2026)