69 Best Fintech Startups in Germany to Watch in 2025

The Definitive Seedtable Ranking of Fintech Startups in Germany

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 159 start-ups with an aggregate funding of $13.5b. The average funding per company in this subset is $196.1m.

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

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8

Funding Rounds

$1.4b

Money raised

wefox is a digital insurance provider and platform that was founded in 2015.

14

Funding Rounds

$2.5b

Money raised

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

4

Funding Rounds

$4.4m

Money raised

App Samurai is a San Francisco-based company that provides mobile marketing technology.

9

Funding Rounds

$359.9m

Money raised

Payhawk is a provider of a financial system that combines credit cards, payments, and expenses into one experience.

7

Funding Rounds

$54.3m

Money raised

CrossLend is a FinTech company whose mission is to make the private debt space more efficient, transparent, and profitable by providing technology & infrastructure solutions for debt asset transactions.

Key people:

2

Funding Rounds

$3.2m

Money raised

Staking Rewards is an information hub and data aggregator offering investment insights for the crypto staking industry.

6

Funding Rounds

$204.0m

Money raised

Raisin is a Berlin-based company offering a savings and investment marketplace to connect retail customers with banks looking to expand their deposit reach.

12

Funding Rounds

$84.9m

Money raised

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

9

Funding Rounds

$414.5m

Money raised

A company with an e-commerce website for renting digital devices instead of buying them. It was founded by Michael Cassau in 2015 and is located in Berlin, Germany.

4

Funding Rounds

$211.6m

Money raised

A company offering a software platform for managing insurance.

3

Funding Rounds

$475.0m

Money raised

Receivables and Treasury cloud software, powered by AI to optimize working capital.

14

Funding Rounds

$902.5m

Money raised

Mambu is a Berlin-based software-as-a-service banking company offering lending and deposit software.

3

Funding Rounds

$3.9m

Money raised

Donut is a Los Angeles and Berlin-based developer of a portfolio management mobile application offering users a chance to save money in a high-interest savings account or invest in cryptocurrency.

4

Funding Rounds

$2.9m

Money raised

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

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.

9

Funding Rounds

$483.4m

Money raised

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

1

Funding Rounds

$1.7m

Money raised

Steady is a Berlin-based, digital media company offering users a place to publish and monetize projects through a membership platform.

4

Funding Rounds

$40.0m

Money raised

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.

3

Funding Rounds

$150.9m

Money raised

Scalable Capital is a digital investment and asset management service founded in 2014.

Location:

Key people:

9

Funding Rounds

$58.9m

Money raised

Bitwala is a blockchain and software development company offering a platform that allows users to buy and sell cryptocurrencies directly from their bank accounts.

2

Funding Rounds

$44.2m

Money raised

Element Insurance is the leading white-label product factory for insurance and a leader in insurance digitalisation.

3

Funding Rounds

$9.9m

Money raised

Crypto investment platform.

2

Funding Rounds

$79.0m

Money raised

DataArt is a global technology consultancy that designs, develops and supports unique software solutions. Areas of activity include software security testing.

8

Funding Rounds

$213.0m

Money raised

Mondu is a B2B payment fintech company.

3

Funding Rounds

$47.2m

Money raised

Token is a blockchain and software development company creating an API that enables banks and third parties to have PSD2 compliance, aggregate data, and make direct bank payments.

10

Funding Rounds

$234.7m

Money raised

Moss is a tech-based payment and credit card platform founded in 2019 by Max Meyer, Stephan Haslebacher, Ante Spittler and Anton Rummel.

4

Funding Rounds

$55.5m

Money raised

Coya is a German digital insurance marketplace.

2

Funding Rounds

$6.0m

Money raised

Cryptocurrency service platform designed for fintechs and neobanks.

3

Funding Rounds

$180.0m

Money raised

Moonfare is a digital private equity investment platform founded in 2016 by Steffen Pauls.

Location:

Key people:

1

Funding Rounds

$7.9m

Money raised

Rally.org is a San Francisco-based company founded in 2009 by Tom Serres.

3

Funding Rounds

$52.4m

Money raised

Zeitgold is a berlin-based bookkeeping AI startup founded in 2015 by Stefan Jeschonnek, Jan Deepen and Kobi Eldar.

3

Funding Rounds

$93.1m

Money raised

Gigs is the operating system for mobile services. We unlock new revenue opportunities and enable seamless user experiences. From tech giants to innovative startups, we empower businesses to effortlessly embed telecom capabilities into their platforms.

5

Funding Rounds

$293.0m

Money raised

Vivid Money is a neobank based in Germany offering Personal accounts including a debit card, with all transactions being managed from an iPhone or Android application. Vivid Money currently accepts to open mobile bank accounts for residents of Austria, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, and Sweden.

7

Funding Rounds

$14.2m

Money raised

Bitbond is an online loan platform backed by cryptocurrencies founded in 2013 by Radoslav Albrecht, Jürgen Walter and Robert Nasiadek.

3

Funding Rounds

$212.0m

Money raised

Yokoy is a FinTech company that offers a spend management platform that automates expense, invoicing, and credit card processing.

3

Funding Rounds

$5.5m

Money raised

Hypcloud is a real estate company providing a digital platform for commercial real estate financing.

8

Funding Rounds

$1.7b

Money raised

Trade Republic is a platform for mobile investing.

5

Funding Rounds

$160.0m

Money raised

Getsafe is an insurance company founded in 2015 by Marius Blaesing.

4

Funding Rounds

$51.0m

Money raised

FinCompare is a SaaS enabled marketplace. Helping advisors and businesses to find, compare, and close the financing solutions.

2

Funding Rounds

Lendico is a Berlin-based operator of a peer-to-peer lending platform.

4

Funding Rounds

$60.7m

Money raised

Candis is a platform that automates accounting tasks intelligently founded in 2015 by Christian Ritosek, Garik Suess and Christopher Becker.

6

Funding Rounds

$4.5m

Money raised

Fulfin is an e-commerce company that offers online financial solutions.

3

Funding Rounds

$11.6m

Money raised

Circula is an automated app to manage expenses and employee benefits such as meal vouchers that saves about 70% process costs in accounting.

Location:

Key people:

3

Funding Rounds

$53.0m

Money raised

Omni:us is an artificial Intelligence / Machine Learning company founded in 2015 by Sofie Quidenus -Wahlforss.

1

Funding Rounds

Providing a full suite SaaS solution to setup, raise and manage an alternative investment fund e.g. Real estate, Private Equity, Hedge Fund

5

Funding Rounds

$22.3m

Money raised

Elucidate is a Berlin-based software as a service platform for quantification, measurement, and reporting of financial crime risk.

3

Funding Rounds

$11.0m

Money raised

Kwara is a Nairobi-based fintech company offering a banking platform tailored for SACCOs (Savings and Credit Cooperative Organizations).

4

Funding Rounds

$37.0m

Money raised

Institutional digital asset management platform for the financial industry.

2

Funding Rounds

$60.0m

Money raised

Operator of trading software designed to help private investors to operate in a sustainable and educated manner on the stock exchange. The company's platform is easy-to-use and helps to invest in stocks including equities, foreign exchange, and other asset classes

4

Funding Rounds

Finanzguru is a Frankfurt-based developer of a financial planning application intended to allow users to take control of their money by tracking income and expenses and analyzing them to determine a user's saving potential.

2

Funding Rounds

$13.0m

Money raised

Molecule is a decentralized biotech protocol, building a web3 marketplace for research-related IP.

2

Funding Rounds

$7.5m

Money raised

Fastest growing neo-insurer in Europe. Insurance Shaper of the Year 2019; Best Fintech Company 2017

4

Funding Rounds

$31.1m

Money raised

getquin is a social network that connects investors founded in 2020 by Christian Rokitta.

7

Funding Rounds

$350.0m

Money raised

BNPL B2B payment platform.

1

Funding Rounds

$30.0m

Money raised

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

3

Funding Rounds

$2.3m

Money raised

awamo is a Frankfurt-based developer of mobile banking and business platform for micro-financing and microcredit.

Location:

Key people:

4

Funding Rounds

$58.6m

Money raised

Finoa is a digital asset platform for institutional investors.

Location:

Key people:

2

Funding Rounds

$70.7m

Money raised

FinLeap is a fintech ecosystem offering fintech-specific SaaS solutions to enterprises and stand-alone fintech companies.

6

Funding Rounds

$147.2m

Money raised

Xempus AG is a Bayern, Germany-based company specializing in the digitalization of corporate pension and life insurance.

3

Funding Rounds

$476.5m

Money raised

Auxmoney is a Dusseldorf-based online peer-to-peer loan marketplace.

5

Funding Rounds

$315.3m

Money raised

Zego is a London-based, on-demand insurance platform providing a range of commercial insurance options for vehicle owners.

2

Funding Rounds

$1.1m

Money raised

SatoshiPay is a blockchain company founded in 2014 by Alexander Wilke.

3

Funding Rounds

$23.0m

Money raised

Financial services infrastructure for software businesses.

4

Funding Rounds

$1.8m

Money raised

Gini is a company founded in 2011 by Holger Teske, Steffen Reitz and Fabian Stehle.

2

Funding Rounds

$14.5m

Money raised

Payment gateway technology for point-of-sale systems.

4

Funding Rounds

$1.3m

Money raised

vencortex is a company founded by Dominik Dellermann.

5

Funding Rounds

$58.7m

Money raised

TIS is reimagining the world of enterprise payments through a cloud-based platform

4

Funding Rounds

$31.7m

Money raised

Tapline is an AI-driven SaaS and subscription financing platform founded in 2021 by Dean Hastie.

Location:

Key people:

1

Funding Rounds

$3.3m

Money raised

Enmacc is a professional OTC energy trading for Europe founded in 2016 by Jens Hartmann, Marc Trieschmann, Volker Puck and Kai Schlegel.

Location:

Key people:

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