69 Best Bank Startups to Watch in 2025

The Definitive Seedtable Ranking of Bank Startups

We track 71,000+ companies and rank them dynamically using our Seedtable Score – a score that uses quantitative and qualitative data points to signal the momentum behind a company. We then monitor the list manually leveraging our expertise as founders and investors.

There are 124 start-ups with an aggregate funding of $25.5b. The average funding per company in this subset is $369.1m.

Last update to the database: Feb 18, 2025. See changelog.

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6

Funding Rounds

$799.8m

Money raised

A bank offering online banking services with no user no bank fees, and an option to receive direct deposit up to two days early. Chris Britt and Ryan King founded Chime in 2013, and the company is headquartered in San Francisco, California.

14

Funding Rounds

$2.5b

Money raised

N26 is a is a mobile banking company headquartered in Berlin, Germany.

Location:

Key people:

12

Funding Rounds

$1.7b

Money raised

Revolut is a London-based Fintech startup and bank offering mobile banking, card payments, money remittance, and foreign exchange services.

Location:

Key people:

4

Funding Rounds

$126.0m

Money raised

Mercury is a company making banking products for startups based in San Francisco and backed by a16z.

Key people:

10

Funding Rounds

$1.1b

Money raised

Starling is an UK-based mobile-first digital banking startup.

4

Funding Rounds

$118.2m

Money raised

Railsr, formerly Railsbank, is a London-based open-API banking and compliance platform that gives regulated and un-regulated companies access to global bankings.

8

Funding Rounds

$1.0b

Money raised

Varo is a San Francisco-based mobile banking business allowing customers to pay their bills, cover their expenses and build their wealth.

14

Funding Rounds

$4.1b

Money raised

A financial technology company offering a mobile-first platform for payments through a single API and SDK.

Location:

Key people:

3

Funding Rounds

$260.0m

Money raised

Ocrolus is a solution provider of automated document reviews in the financial services industry.

6

Funding Rounds

$1.8b

Money raised

Signature Bank is a New York City-based company founded in 2023.

Industries:

Location:

Key people:

14

Funding Rounds

$1.2b

Money raised

Zopa is a peer-to-peer lending platform founded in 2005 by Giles Andrews.

Location:

Key people:

1

Funding Rounds

$1.0m

Money raised

Kiva is a 501(c)(3) non-profit organization headquartered in San Francisco, California.

Location:

Key people:

16

Funding Rounds

$1.6b

Money raised

Monzo is a digital banking platform founded in 2015 by Jason Bates, Tom Blomfield, Jonas Huckestein and Paul Rippon.

Location:

Key people:

12

Funding Rounds

$84.9m

Money raised

Penta is a digital bank account for startups and SMEs in Germany.

4

Funding Rounds

$94.9m

Money raised

Rho is a New York-based digital banking service for entrepreneurs.

Key people:

4

Funding Rounds

$64.0m

Money raised

FairMoney is a Paris-based start-up which offers micro loans in Nigeria through their mobile, Android app.

5

Funding Rounds

$81.0m

Money raised

Bench is a company founded in 2012 by Jordan Menashy, Pavel Rodionov, Adam Saint and Ian Crosby.

2

Funding Rounds

$9.2m

Money raised

A company that measures an individual's credit score based on financial behavior. It is located in London, England and was founded in 2015.

Location:

Key people:

13

Funding Rounds

$1.0b

Money raised

Atom Bank is a digital financial company offering personal and business banking products.

Location:

Key people:

3

Funding Rounds

$359.0m

Money raised

Avant is a company operating an online platform providing users access to personal loans. It utilizes big data and machine learning algorithms.

Location:

Key people:

2

Funding Rounds

$460.0m

Money raised

India's Indifi Technologies is a tech-enabled debt financing platform for small business with industry-specific financial solutions.

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Key people:

15

Funding Rounds

$282.6m

Money raised

Monese is an online mobile banking platform founded in 2013 by Norris Koppel.

Location:

Key people:

11

Funding Rounds

$759.5m

Money raised

solarisBank is a banking platform empowering finance pioneers. We've built an API-accesible platform to provide companies with modular building blocks to innovate in finance. As a tech company with a banking license, our business model is strictly B2B2C - we're focused exclusively on enabling our partners to offer their end customers world class financial products.

3

Funding Rounds

$142.5m

Money raised

Klar is a startup that aims to democratize banking services in Mexico.

3

Funding Rounds

$748.0m

Money raised

Cross River Bank is a New Jersey-based company founded in 2008.

Location:

2

Funding Rounds

Through our robust framework of more than 10000+ Customer service points, we aim to provide end-to-end banking services to rural India, which comprises 80% of India’s total population. With an objective of inclusive growth, our retail Customer Service Points, shall offer all banking services offered in a ‘Brick and Mortar’ branch.

2

Funding Rounds

$182.0m

Money raised

Aspiration is a neobank based in United States offering Personal accounts including a debit card, with all transactions being managed from an iPhone or Android application. Aspiration currently accepts to open mobile bank accounts for residents of United States.

1

Funding Rounds

$125.0k

Money raised

Online bank for high net worth individuals and families

Key people:

1

Funding Rounds

$74.8m

Money raised

Customers Bancorp, Inc. operates as the bank holding company for Customers Bank that provides financial products and services to individual consumers, and small and middle market businesses. It operates in two segments, Customers Bank Business Banking and BankMobile.

8

Funding Rounds

$78.7m

Money raised

Numerated is a fast-growing, venture-backed financial technology company powering digital transformation of business lending at banks. At the intersection of a changing lending landscape and the on-demand, digital-first economy, Numerated was founded to help banks thrive in the modern lending market and offer businesses the fastest, most convenient way to secure financing. Numerated's end-to-end platform helps banks profitably grow their business portfolios through a powerful combination of real-time lending customer experience, automated credit decisioning, and modern marketing and sales tools. Numerated was developed in 2015 within and for Eastern Bank. After growing Eastern's small business lending portfolio 4X and its rates 2X, the technology was spun-out in 2017 as an independent company backed by fintech leaders Venrock, FinTop Capital, and FIS. Today, Numerated works with growth-oriented banks focused on being leaders in their markets in serving businesses.

Location:

Key people:

5

Funding Rounds

$51.0m

Money raised

MANTL offers the best Bank Account Opening software for banks and credit unions. Every bank needs to grow - and now they can do it with MANTLï state of the art onboarding system. The best part? MANTL integrates directly with legacy core banking software. In our collective experience building everything from consumer FinTech companies to core banking systems, we saw a rift where new FinTech companies were able to leverage the latest technologies, while banks and credit unions (where most people actually keep their money)tethered to their outdated systems and vendorsstruggled to remain competitive in the digital age. That divide continues today. So, we built a team with deep industry knowledge, and expertise in systems architecture, UI/UX, and data security & analysis to reunite the worlds of banking and technology. Weïre a VC-backed company based in New York, New York City. For more info go to http://www.mantl.com

9

Funding Rounds

$104.8m

Money raised

Branch Messenger is a Minneapolis-based company founded in 2015 by Atif Siddiqi.

Key people:

4

Funding Rounds

$150.5m

Money raised

Aspire is a company founded in 2018 by Giovanni Casinelli, Joel Leong, Andrea Baronchelli, Giacomo Ficari and Stefano Pellegrino.

3

Funding Rounds

$44.9m

Money raised

The digital account and lending focused business bank running on its own core banking infra Memo bank is designed for growing micro and small SMEs that seek fast onboarding, fully digital banking and quick access to financing Targets SMEs between €2M-€50M revenue p.a. Developed its own core banking infrastructure

Industries:

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10

Funding Rounds

$199.2m

Money raised

Platform for managing bank accounts and personal finances.

3

Funding Rounds

$23.5m

Money raised

Northone is a neobank based in United States offering Business accounts including a debit card, with all transactions being managed from an iPhone or Android application. Northone currently accepts to open mobile bank accounts for residents of Canada and United States.

Key people:

10

Funding Rounds

$180.5m

Money raised

A company providing businesses a way to streamline their finances and access new credit lines.

3

Funding Rounds

$67.0m

Money raised

A financial technology company with a focus on technology for banking services.

4

Funding Rounds

$134.0m

Money raised

Ramp Network is a blockchain company founded in 2018 by Szymon Sypniewicz.

Location:

Key people:

7

Funding Rounds

$241.4m

Money raised

Tide Bank is a neobank based in United Kingdom offering Business accounts including a debit card, with all transactions being managed from an iPhone or Android application. Tide Bank currently accepts to open mobile bank accounts for residents of United Kingdom.

Key people:

3

Funding Rounds

$110.0m

Money raised

Open is a neobank based in India offering Business accounts including a debit card, with all transactions being managed from an iPhone or Android application. Open currently accepts to open mobile bank accounts for residents of India.

1

Funding Rounds

$91.1m

Money raised

MoneyMe in three words: fast, safe, simple. We're not too little and not too big - and most importantly, we're all about you. Built on an ethos of innovation, responsibility, and dedication to the customer experience, we're revolutionising the way Australians borrow money. Started by two regular Aussie guys, MoneyMe is worlds away from finance as you know it. There's no hidden fees, fine print, paperwork, or long wait times. When you choose MoneyMe, you're choosing the freedom to access your short term loan, medium loan or personal loan, whenever and wherever you want, giving you control over your finances. Our refreshingly simple yet smart system allows us to connect you to your aspirations faster than ever before. Apply online, or on your mobile today at www.moneyme.com.au! **Please note that the information on this LinkedIn page is not intended as financial advice on behalf of MoneyMe Our awards - FinTech 'Start-up of the Year' award (2016) - Winner - Deloitte's 'Technology Fast 50' (2016) - 2nd place - Australian Financial Review's 'BRW Fast Starters 100' (2016) - Finalist - PwC Aspire Awards 'Start-up disruptor' category (2016) - Finalist - Anthill 'SMART 100' list (2016) - Finalist

Industries:

2

Funding Rounds

$17.0m

Money raised

Umba is a financial technology company founded in 2019 by Tiernan Kennedy.

Key people:

4

Funding Rounds

$90.4m

Money raised

Narmi is a company founded in 2016 by Nikhil Lakhanpal.

Industries:

Key people:

6

Funding Rounds

$401.0m

Money raised

Allica Bank, formerly Civilised Bank, is a London-based neobank focused on serving the needs of small to medium enterprises.

Location:

Key people:

6

Funding Rounds

$270.0m

Money raised

Koho is a neobank based in Canada offering Personal accounts including a debit card, with all transactions being managed from an iPhone or Android application. Koho currently accepts to open mobile bank accounts for residents of Canada.

1

Funding Rounds

MoneySmart Group is a Singapore-based company founded in 2009 by Vinod Nair.

10

Funding Rounds

$595.3m

Money raised

Five Star provides Small Business loans and Small Mortgage loans to eligible borrowers to meet their business and personal needs, after due underwriting of their cashflows and backed by the collateral of their house property.

2

Funding Rounds

$65.0m

Money raised

SigFig is a San Francisco-based company founded in 2006 by Parker Conrad.

Location:

Key people:

1

Funding Rounds

$2.0m

Money raised

Platform helping businesses onboard customers using Open Bank data to address credit risk and affordability issues.

Industries:

Location:

1

Funding Rounds

Liquineq is a cryptocurrency company founded in 2017 by Mike McEvoy, Dan Kikinis, Peter Thoeny, Moti Birger and Shai Aizin.

2

Funding Rounds

$16.9m

Money raised

Capitalise is a London-based provider of white label solutions for automatic monitoring and execution of investors trading strategies.

Key people:

3

Funding Rounds

$25.4m

Money raised

HMBradley is a financial technology company.

Key people:

4

Funding Rounds

$119.0m

Money raised

Treasury Prime is a San Francisco-based company founded in 2017 by Chris Dean.

4

Funding Rounds

$1.6m

Money raised

Digital bank providing free full-service banking to Africans.

Location:

Key people:

2

Funding Rounds

$24.4m

Money raised

Platform that digitizes and automates vendor payment validation to protect against transfer frauds.

3

Funding Rounds

Fidor Solutions is a company founded in 2007 by Matthias Kröner.

1

Funding Rounds

CRiskCo is a provider of fraud detection and credit management platform for vendors.

2

Funding Rounds

$3.7m

Money raised

Envel is a neobank based in United States offering Personal accounts including a debit card, with all transactions being managed from an iPhone or Android application. Envel currently accepts to open mobile bank accounts for residents of United States.

Location:

Key people:

2

Funding Rounds

$160.0m

Money raised

Open banking platform allowing users to access data from any financial product.

Location:

Key people:

1

Funding Rounds

Identitii helps financial institutions improve regulatory compliance and reduce financial crime.

1

Funding Rounds

$16.6m

Money raised

CrossFirst Bank is a company founded in 2007.

2

Funding Rounds

$40.7m

Money raised

Jiko is a company creating a decentralized platform for personal banking.

1

Funding Rounds

$750.0m

Money raised

Chime Interactive is a company founded in 1993.

1

Funding Rounds

$700.0k

Money raised

gremln is a company founded in 2011 by Ryan Bell.

3

Funding Rounds

$19.5m

Money raised

Fi.Span is a Vancouver-based developer of an API for banks to integrate new products and services.

4

Funding Rounds

$191.5m

Money raised

A company offering a banking platform for connecting banks and depositors.

2

Funding Rounds

$460.0m

Money raised

ClearBank is the UK's first clearing bank in more than 250 years.

1

Funding Rounds

$11.0m

Money raised

Moank is an artificial Intelligence company founded in 2015 by Gustav Ek.

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