69 Best Banking Startups to Watch in 2025

The Definitive Seedtable Ranking of Banking 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 528 start-ups with an aggregate funding of $36.2b. The average funding per company in this subset is $525.0m.

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

Track over 71,000 companies

Discover
Fast-growing Global startups

Seedtable uses technology and people to track over 71,000 companies to help you find the right ones to partner with.

Pricing + Sign up
Chime Bank logo

Chime Bank

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.

6

Funding Rounds

$799.8m

Money raised

Klarna logo

Klarna

Klarna is a financial technology company providing e-commerce payment solutions for merchants and shoppers.

20

Funding Rounds

$3.8b

Money raised

Kasisto logo

Kasisto

Kasisto is a company that develops conversational AI for financial institutions.

9

Funding Rounds

$81.5m

Money raised

Personetics Technologies logo

Personetics Technologies

Personetics' self-driving finance platform for banks to anticipate a customer's personalized banking needs through artificial intelligence.

3

Funding Rounds

$93.0m

Money raised

N26 (bank) logo

N26 (bank)

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

14

Funding Rounds

$2.5b

Money raised

Revolut logo

Revolut

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

12

Funding Rounds

$1.7b

Money raised

Mercury logo

Mercury

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

4

Funding Rounds

$126.0m

Money raised

Juno logo

Juno

Juno, previously known as OnJuno, is a neobanking platform that offers interest-earning personal checking accounts. The platform allows all transactions to be managed from an iPhone or Android application, and users can be paid in cryptocurrency through direct deposit.

4

Funding Rounds

$33.2m

Money raised

Starling Bank logo

Starling Bank

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

10

Funding Rounds

$1.1b

Money raised

GoCardless logo

GoCardless

GoCardless is a payments company that developed global payments network based on the bank to bank payment systems. It participated in the S11 cohort of Y Combinator

12

Funding Rounds

$914.3m

Money raised

Nordigen logo

Nordigen

The first free European open banking API that provides regulated connections to major European banks.

2

Funding Rounds

$3.2m

Money raised

MoneyLion logo

MoneyLion

MoneyLion is a mobile banking platform for borrowing, saving, and investing.

6

Funding Rounds

$324.5m

Money raised

Railsr logo

Railsr

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

4

Funding Rounds

$118.2m

Money raised

Strands logo

Strands

Strands developed FinTech software that enables banks to offer digital banking using big data, processing, artificial intelligence, machine learning, and open API.

2

Funding Rounds

$55.0m

Money raised

Branch (finance company) logo

Branch (finance company)

Branch offers microloans through a free-to-download Android app in emerging markets.

11

Funding Rounds

$588.7m

Money raised

Creditas logo

Creditas

Creditas is a Brazilian financial technology firm offering secured consumer loans.

11

Funding Rounds

$2.4b

Money raised

Varo Money logo

Varo Money

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

8

Funding Rounds

$1.0b

Money raised

Hearsay Systems logo

Hearsay Systems

Hearsay Systems (formerly Hearsay Social) is a software-as-a-service (SaaS) digital marketing platform for financial services that uses predictive analytics to help financial advisors automate marketing tasks.

4

Funding Rounds

$48.0m

Money raised

SiteZeus logo

SiteZeus

Artificial Intelligence company for real estate site analysis.

4

Funding Rounds

$8.6m

Money raised

Rapyd logo

Rapyd

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

14

Funding Rounds

$4.1b

Money raised

Qonto logo

Qonto

Qonto is a French online payment institution for freelancers and small and medium enterprises.

6

Funding Rounds

$687.3m

Money raised

Signature Bank logo

Signature Bank

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

6

Funding Rounds

$1.8b

Money raised

Unit logo

Unit

Unit is a San Francisco-based company developing a platform that allows companies to integrate banking services into their businesses.

5

Funding Rounds

$169.6m

Money raised

Monzo logo

Monzo

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

16

Funding Rounds

$1.6b

Money raised

Lili (company) logo

Lili (company)

Lili is a banking company founded by Liran Zelkha.

3

Funding Rounds

$80.0m

Money raised

Belvo logo

Belvo

Developer of an open banking API platform intended to access and interpret data from end-users in an easy and scalable way.

5

Funding Rounds

$66.0m

Money raised

Rho logo

Rho

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

4

Funding Rounds

$94.9m

Money raised

Novo (Bank Novo) logo

Novo (Bank Novo)

Novo focuses on giving a banking option to startups and small business owners, founded by Michael Rangel and Tyler McIntyre.

4

Funding Rounds

$140.3m

Money raised

Sila logo

Sila

An API platform powered by a stablecoin cryptocurrency pegged to the US dollar.

4

Funding Rounds

$20.7m

Money raised

Neo Financial logo

Neo Financial

Neo Financial is a Calgary-based financial technology company founded in 2019.

3

Funding Rounds

$228.7m

Money raised

FairMoney logo

FairMoney

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

4

Funding Rounds

$64.0m

Money raised

OakNorth Bank logo

OakNorth Bank

OakNorth is a financial technology company that enables entrepreneurs access customized mid-sized loans.

8

Funding Rounds

$1.0b

Money raised

Nayax logo

Nayax

Nayax is a global FinTech company, developing solutions for the unattended machine industry. Nayax's cashless payments, telemetry, management & BI solutions fits to any machine from around the globe. Established in 2005, Nayax has over 250,000 devices installed worldwide, operating in more than 50 countries and 26 currencies and offers local support and ensure that all our customers receive the highest level of service in their local region. Attending the Unattended: Unattended machines, an unattended customer. Nayax's line of innovative products are designed (in-house) to remotely manage the machines and bring you closer to your customer. Nayax offers cashless and telemetry solutions including debit and credit cards, mobile, SMS, prepaid cards and NFC payment options. Point-of-sale options include swipe, contact or contactless card payment methods. Accepting virtually all forms of payment. No need to deal with banks, credit fees, telecom payments and more. Nayax works with leading global payment processors in order to provide the best cashless services at highly competitive rates. Function and benefits: The Nayax management & BI suite allows for online machine management, real time status reports and customized alerts for different machine events such as vend outs, low/high temperature. Advanced analytics tools provide actionable insights including the ability to forecast inventory issues based on historical data and compare products and costs while seeing growth in sales by location. Visit-to-visit reports enable smarter machine management without spending time and money on unnecessary trips. Nayax is constantly developing innovative approaches to surpass industry expectations and create loyalty between consumers and machine operators. Nayax listens to its customers to ensure satisfaction. The development, sales and support processes are customer oriented to contribute to the company's growth strategy.

1

Funding Rounds

Spring Labs logo

Spring Labs

A blockchain platform for exchanging financial information without sharing data. It is located in Marina Del Rey, California and was founded in 2017.

5

Funding Rounds

$81.5m

Money raised

Cushion (company) logo

Cushion (company)

A financial service software company that aids users in preventing or refunding bank fees that users may incurred. It is located in San Francisco, California and was founded in 2016.

8

Funding Rounds

$37.1m

Money raised

Minna Technologies logo

Minna Technologies

World\'s leading subscription management platform - ready to integrate with retail banks.

3

Funding Rounds

$41.9m

Money raised

Multis logo

Multis

Multis is a company that has created a cryptocurrency bank for companies. It was founded in 2018 and is located in San Francisco, California.

4

Funding Rounds

$16.5m

Money raised

Celonis logo

Celonis

Celonis is company designing an intelligent big data technology analyzing and visualizing company processes.

10

Funding Rounds

$2.5b

Money raised

Earnin logo

Earnin

Earnin is a Palo Alto, California-based mobile banking company giving users access to their pay directly from mobile application.

4

Funding Rounds

$190.1m

Money raised

Credit Kudos logo

Credit Kudos

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

2

Funding Rounds

$9.2m

Money raised

Mozn logo

Mozn

Mozn (مزن) is a Saudi RegTech company that harnesses the power of Artificial Intelligence to innovate and build Products and Solutions for the advancement of digital humanity. Mozn builds advanced Artificial Intelligence products and solutions to empower enterprises in making critical decisions.

1

Funding Rounds

$10.0m

Money raised

Atom Bank logo

Atom Bank

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

13

Funding Rounds

$1.0b

Money raised

Plum (finance company) logo

Plum (finance company)

Plum is the AI assistant that boosts your bank balance. It analyses your income and outgoings and automatically sets small safe amounts of money aside for you. You can also invest* in hand-picked funds and switch your bills to better deals instantly. We estimate that, with the help of Plum, you can be ᅢï3⁄4'ï¿'ï3⁄4£186k better off over your lifetime! So how does Plum work? (1) Link your current account: Plum analyses your account so it can learn about your income, expenses and spending patterns. Your data is safe with us œ we employ bank-grade security and work with the main UK banks and challengers like Monzo and Revolut. (2) Plum sets money aside for you: Plum monitors your current account and every few days moves some money, if you can afford to, to your Plum account. You can access that money instantly at any time, so you don't have to worry about unexpected expenses. (3) Chat with Plum: Plum notifies you about your balance, gives you super-fast access to your money and offers tips on how to save more. Plum is available on iOS and Android. You can find out more at https://withplum.com/ *Capital invested is at risk and not FSCS protected

7

Funding Rounds

$73.0m

Money raised

Form3 logo

Form3

Form3 is a cloud-native account-to-account payments platform founded in 2016 by Michael Mueller.

7

Funding Rounds

$23.0m

Money raised

Juni logo

Juni

Juni is a fintech company that develops a banking app and platform for e-commerce and online marketing entrepreneurs.

8

Funding Rounds

$265.0m

Money raised

Feedzai logo

Feedzai

Feedzai is a San Mateo, California-based Information Technology & Services company.

8

Funding Rounds

$276.2m

Money raised

ClauseMatch logo

ClauseMatch

RegTech platform that helps organizations manage compliance and regulatory documents.

7

Funding Rounds

$17.6m

Money raised

Momo logo

Momo

Momo is a Ho Chi Minh City-based electronic wallet and payments app allowing users to pay online and transfer money to each other digitally.

5

Funding Rounds

$433.8m

Money raised

Quantexa logo

Quantexa

Quantexa is a company that enables institutions to make better decisions using their data.

8

Funding Rounds

$373.3m

Money raised

Mos logo

Mos

Mos is a San Francisco-based fintech company offering checking accounts, debit cards, and access to financial aid advisors designed for students.

1

Funding Rounds

$40.0m

Money raised

Paga (company) logo

Paga (company)

A financial services company offering a platform for digitally sending/receiving money and creating simple financial services.

4

Funding Rounds

$34.7m

Money raised

Aazzur logo

Aazzur

Aazzur is a Berlin-based financial technology company founded by Philipp Buschmann.

4

Funding Rounds

$2.9m

Money raised

Akulaku logo

Akulaku

Akulaku is an online multi-purpose finance platform intended to provide financial services to underserved communities.

10

Funding Rounds

$425.0m

Money raised

solarisBank logo

solarisBank

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.

11

Funding Rounds

$759.5m

Money raised

Monedo logo

Monedo

Monedo, formerly known as Kreditech, is a financial platform that allows users to better understand their credit.

9

Funding Rounds

$483.4m

Money raised

Critizr logo

Critizr

A company with a feedback platform for businesses in Europe. It was founded in 2012 and has locations in France and England.

1

Funding Rounds

Paytm logo

Paytm

Paytm is an electronic payment service in india founded in 2010 by Vijay Shekhar Sharma.

3

Funding Rounds

$1.2b

Money raised

Cross River Bank logo

Cross River Bank

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

3

Funding Rounds

$748.0m

Money raised

TransferGo logo

TransferGo

TransferGo is a Canary Wharf-based company founded in 2012 by Daumantas Dvilinskas.

16

Funding Rounds

$188.8m

Money raised

CybSafe logo

CybSafe

CybSafe is a cloud-based platform focussed on addressing the human component of cyber security - an intelligent approach to awareness training.

5

Funding Rounds

$99.6m

Money raised

DueDil logo

DueDil

DueDil is a due diligence tool and business information platform.

4

Funding Rounds

$5.0m

Money raised

Codat logo

Codat

Codat is a the universal API for small business data founded in 2017 by Alexander Cardona, Peter Lord and David Hoare.

6

Funding Rounds

$265.0m

Money raised

Oxygen logo

Oxygen

Oxygen is a modern digital banking platform for the 21st century economy - the free thinkers, rebels, and entrepreneurs. Oxygen is a financial technology company, not a bank. Banking Services provided by The Bancorp Bank, Member FDIC

2

Funding Rounds

$24.0m

Money raised

Countingup logo

Countingup

Countingup is a business current account & online accounting software.

6

Funding Rounds

$38.0m

Money raised

bunq logo

bunq

bunq is a mobile-first, open source neobank founded in 2012 by Ali Niknam.

11

Funding Rounds

$446.8m

Money raised

IDnow logo

IDnow

IDnow is the world's fastest, most flexible and most secure identity verification platform, delivering instant verification of the identity documents used by 7 billion people.

4

Funding Rounds

$40.0m

Money raised

Aspiration (company) logo

Aspiration (company)

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.

2

Funding Rounds

$182.0m

Money raised

Tookitaki logo

Tookitaki

Tookitaki is a company offering a compliance management software founded in 2015.

6

Funding Rounds

$20.4m

Money raised

ID Finance logo

ID Finance

ID Finance is a Barcelona-based company that provides an online marketplace for consumer installment loans.

6

Funding Rounds

$78.4m

Money raised