69 Best Retail Banking Startups to Watch in 2025

The Definitive Seedtable Ranking of Retail 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 1,747 start-ups with an aggregate funding of $35.4b. The average funding per company in this subset is $512.8m.

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

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Ozon logo

Ozon

Ozon is a Russian e-commerce platform.

2

Funding Rounds

$21.0m

Money raised

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

C3 AI logo

C3 AI

C3 AI is an enterprise artificial intelligence software company providing a family of integrated products for accelerating digital transformation.

7

Funding Rounds

$875.5m

Money raised

Zayo Group logo

Zayo Group

Zayo Group offers bandwidth infrastructure services across various markets, delivering lit services and dark fiber products. It supports wireline and wireless customers, data centers, and government agencies with a robust network infrastructure. The company also provides carrier-neutral colocation facilities to enhance connectivity options.

Aura Vision logo

Aura Vision

Aura Vision is an AI computer vision company for generating insights into shop floors. Aura Vision uses existing security cameras in stores to provide customer demographics and behavior data.

4

Funding Rounds

$1.5m

Money raised

Shelf Engine logo

Shelf Engine

Shelf Engine is a Seattle-based software company and developer of an automated prediction ordering platform for food retailers, intended to reduce food waste.

5

Funding Rounds

$58.2m

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

Wise logo

Wise

Wise, previously TransferWise, is a company that offers money transfers services founded by Kristo Käärmann and Taavet Hinrikus.

6

Funding Rounds

$898.4m

Money raised

Tracxn logo

Tracxn

Tracxn is a research firm that provides information, mostly startup data, for venture capitalists and corporate development offices.

5

Funding Rounds

$16.7m

Money raised

Looker logo

Looker

Looker is a business intelligence software company providing data access tools to organizations and data analysts.

4

Funding Rounds

$202.5m

Money raised

Intelistyle logo

Intelistyle

Intelistyle is a London-based artificial intelligence company founded by Michael Michelis and Kostas Koukoravas.

4

Funding Rounds

$867.5k

Money raised

Alloy (software company) logo

Alloy (software company)

Alloy is a San Francisco-based software company developing a platform for inventory and shipment visibility, including sell-in and sell-through analytics.

2

Funding Rounds

$15.3m

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

Deep North, Inc. logo

Deep North, Inc.

Deep North is an AI software company with products that read and analyze video data to offer companies real-time analytics and insights into the physical world

4

Funding Rounds

$58.4m

Money raised

Hawkers (company) logo

Hawkers (company)

Hawkers is an Elche, Spain-based sunglass brand.

2

Funding Rounds

$80.9m

Money raised

SendBird logo

SendBird

SendBird is a developer of a messaging API for mobile applications and websites.

7

Funding Rounds

$218.1m

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

Tanaza logo

Tanaza

Tanaza is a Milan-based software company developing a cloud platform for IT professionals to manage Wi-Fi networks.

2

Funding Rounds

$2.5m

Money raised

CyberCube Analytics logo

CyberCube Analytics

CyberCube Analytics delivers a cyber risk analytics platform that is specifically designed for the insurance industry.

4

Funding Rounds

$140.0m

Money raised

Porch (company) logo

Porch (company)

Porch is a home services platform that helps home and property owners maintain their homes, by connecting them with professionals.

10

Funding Rounds

$253.5m

Money raised

Haptik logo

Haptik

Haptik is a company developing conversational AI for customer experience.

2

Funding Rounds

$12.2m

Money raised

Hugo Boss logo

Hugo Boss

Hugo Boss is a major German luxury fashion company.

1

Funding Rounds

Impinj logo

Impinj

Impinj wirelessly connects billions of everyday things to applications, delivering real-time information to businesses, and enabling the Internet of Things.

8

Funding Rounds

$138.5m

Money raised

HireEZ logo

HireEZ

HireEZ, formerly Hiretual, is a Mountain View, California-based developer of an artificial intelligence-powered recruitment platform to help companies find employees.

4

Funding Rounds

$45.5m

Money raised

Starling Bank logo

Starling Bank

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

10

Funding Rounds

$1.1b

Money raised

KenSci logo

KenSci

KenSci offers an enterprise-class predictive analytics solution for healthcare providers.

2

Funding Rounds

$30.5m

Money raised

Back Market logo

Back Market

Back Market is an online refurbished goods marketplace connecting consumers with sellers of electronic devices.

9

Funding Rounds

$1.3b

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

Casper (company) logo

Casper (company)

Casper is a memory-foam mattress retailer.

6

Funding Rounds

$330.5m

Money raised

Linknovate logo

Linknovate

Linknovate is a data analytics and competitive intelligence scouting platform.

5

Funding Rounds

$2.5m

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

Mattermark logo

Mattermark

Mattermark is a San Francisco-based company founded by Kevin Morrill, Danielle Morrill and Andy Sparks.

7

Funding Rounds

$30.3m

Money raised

LenddoEFL logo

LenddoEFL

Lenddo EFL offers loans underwritten by social media data to borrowers without established or robust credit histories.

3

Funding Rounds

$14.0m

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

Beekeeper (company) logo

Beekeeper (company)

An information technology company offering an operational communications platform.

13

Funding Rounds

$277.5m

Money raised

Vollebak logo

Vollebak

Vollebak is a British clothing brand focusing on utilizing technology and science to construct "clothing for the future."

1

Funding Rounds

Storefront (company) logo

Storefront (company)

Storefront is a sharing-economy company that provides short-term retail spaces for rent to companies through an online platform, used specifically as pop-up retail locations.

1

Funding Rounds

$1.6m

Money raised

Gupshup logo

Gupshup

Gupshup is an AI-powered messaging platform that integrates with communication software and protocols for commerce, marketing, and support applications.

5

Funding Rounds

$373.0m

Money raised

Fivetran logo

Fivetran

Fivetran is a California based data software company that helps analysts use cloud data warehouses to store and access their data.

6

Funding Rounds

$727.4m

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

Zipline (company) logo

Zipline (company)

Zipline is an automated logistics company that designs, manufactures, and delivers medical products.

10

Funding Rounds

$704.5m

Money raised

Caper AI logo

Caper AI

Caper offers contactless and automated checkout, powered by AI and computer vision.

1

Funding Rounds

$3.0m

Money raised

Arundo Analytics logo

Arundo Analytics

Arundo provides software to enable advanced analytics in industrial companies. Arundo's customers transform their businesses through predictive analytics, deeper understanding of physical operations, and data-driven SaaS applications.

5

Funding Rounds

$73.7m

Money raised

Gong logo

Gong

Gong is a conversation analytics and salesforce training platform company.

7

Funding Rounds

$1.4b

Money raised

Dollar Shave Club logo

Dollar Shave Club

Dollar Shave Club offers a monthly membership service that delivers stainless steel razor blades and other personal grooming products to customers by mail.

7

Funding Rounds

$163.5m

Money raised

Q-Sensei logo

Q-Sensei

Q-Sensei is a Brooklyn-based software company developing an enterprise search and analytics software.

5

Funding Rounds

$11.7m

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

Mimecast logo

Mimecast

Mimecast is a London-based cybersecurity and email management platform company founded by Neil Murray and Peter Bauer.

2

Funding Rounds

$83.0m

Money raised

Mirakl logo

Mirakl

Mirakl is a Paris, France-based company offering software solutions for e-commerce marketplace companies.

10

Funding Rounds

$1.3b

Money raised

Locale logo

Locale

Locale is a San Jose, California-based food delivery service.

3

Funding Rounds

$16.1m

Money raised

Ibotta logo

Ibotta

Ibotta is a free-to-use mobile coupon and cash-back shopping app based in Denver.

2

Funding Rounds

$1.0b

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

ContentSquare logo

ContentSquare

ContentSquare is an experience optimization platform for business that captures visitor behavior insights, designed to help increase conversions. It uses artificial intelligence to provide automatic recommendations.

8

Funding Rounds

$1.5b

Money raised

SafeGraph logo

SafeGraph

SafeGraph is a data company offering a platform for organizing points of interests (POIs) relevant to businesses. It was founded in 2016 and is located in San Francisco, California.

4

Funding Rounds

$105.7m

Money raised

Greenlight Financial Technology logo

Greenlight Financial Technology

Greenlight Financial Technology is an Atlanta-based company offering a debit cards for kids parents can manage by app.

12

Funding Rounds

$1.2b

Money raised

MessageBird logo

MessageBird

MessageBird is a messaging company offering a communications platform as a service.

7

Funding Rounds

$1.2b

Money raised

Keen logo

Keen

Keen is a company founded in 2011 by Kyle Wild, Ryan Spraetz and Dan Kador.

3

Funding Rounds

$15.6m

Money raised

Bambuser logo

Bambuser

Bambuser is a Software-as-a-Service company specializing in interactive live video streaming for enterprises that offer live video shopping.

6

Funding Rounds

$5.8m

Money raised

SoundCommerce logo

SoundCommerce

SoundCommerce is a Seattle-based operations data platform developer offering businesses and brands data, business intelligence, and decision support tools.

3

Funding Rounds

$35.9m

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