68 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 1,721 start-ups with an aggregate funding of $39.6b. The average funding per company in this subset is $581.9m.

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

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2

Funding Rounds

$21.0m

Money raised

Ozon is a Russian e-commerce platform.

Industries:

Location:

Key people:

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.

20

Funding Rounds

$3.8b

Money raised

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

Location:

Key people:

10

Funding Rounds

$1.3b

Money raised

Brex is a credit card company that issues corporate credit cards with no security deposit.

Location:

Key people:

9

Funding Rounds

$81.5m

Money raised

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

Location:

Key people:

7

Funding Rounds

$875.5m

Money raised

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

Key people:

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.

4

Funding Rounds

$1.5m

Money raised

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.

5

Funding Rounds

$58.2m

Money raised

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

Location:

Key people:

3

Funding Rounds

$93.0m

Money raised

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

Key people:

6

Funding Rounds

$898.4m

Money raised

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

5

Funding Rounds

$16.7m

Money raised

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

Key people:

4

Funding Rounds

$867.5k

Money raised

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

Location:

Key people:

2

Funding Rounds

$15.3m

Money raised

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

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

$58.4m

Money raised

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

Key people:

2

Funding Rounds

$80.9m

Money raised

Hawkers is an Elche, Spain-based sunglass brand.

7

Funding Rounds

$218.1m

Money raised

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

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:

2

Funding Rounds

$2.5m

Money raised

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

4

Funding Rounds

$140.0m

Money raised

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

Location:

Key people:

10

Funding Rounds

$253.5m

Money raised

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

Location:

Key people:

2

Funding Rounds

$12.2m

Money raised

Haptik is a company developing conversational AI for customer experience.

Key people:

8

Funding Rounds

$138.5m

Money raised

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

4

Funding Rounds

$45.5m

Money raised

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

Key people:

10

Funding Rounds

$1.1b

Money raised

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

9

Funding Rounds

$1.3b

Money raised

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

Location:

Key people:

12

Funding Rounds

$507.3m

Money raised

Acorns is an Irvine, California-based micro-investing company allowing users to round up consumer purchases and invest the change.

12

Funding Rounds

$914.3m

Money raised

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

Location:

Key people:

2

Funding Rounds

$3.2m

Money raised

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

Industries:

Location:

Key people:

6

Funding Rounds

$330.5m

Money raised

Casper is a memory-foam mattress retailer.

Industries:

Location:

Key people:

5

Funding Rounds

$2.5m

Money raised

Linknovate is a data analytics and competitive intelligence scouting platform.

6

Funding Rounds

$324.5m

Money raised

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

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.

2

Funding Rounds

$55.0m

Money raised

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

7

Funding Rounds

$30.3m

Money raised

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

Key people:

3

Funding Rounds

$14.0m

Money raised

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

11

Funding Rounds

$588.7m

Money raised

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

Key people:

11

Funding Rounds

$2.4b

Money raised

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

Location:

Key people:

1

Funding Rounds

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

1

Funding Rounds

$1.6m

Money raised

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.

Location:

Key people:

5

Funding Rounds

$373.0m

Money raised

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

6

Funding Rounds

$727.4m

Money raised

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

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.

10

Funding Rounds

$704.5m

Money raised

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

Industries:

Key people:

5

Funding Rounds

$73.7m

Money raised

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.

7

Funding Rounds

$1.4b

Money raised

Gong is a conversation analytics and salesforce training platform company.

5

Funding Rounds

$11.7m

Money raised

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

Location:

Key people:

4

Funding Rounds

$48.0m

Money raised

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.

Key people:

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:

4

Funding Rounds

$8.6m

Money raised

Artificial Intelligence company for real estate site analysis.

10

Funding Rounds

$1.3b

Money raised

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

Location:

Key people:

2

Funding Rounds

$83.0m

Money raised

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

Location:

Key people:

3

Funding Rounds

$16.1m

Money raised

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

2

Funding Rounds

$1.0b

Money raised

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

Location:

Key people:

4

Funding Rounds

$35.0m

Money raised

Hyro uses AI technologies to facilitate text and voice conversations between healthcare organizations and their clients.

8

Funding Rounds

$1.5b

Money raised

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.

Location:

Key people:

4

Funding Rounds

$105.7m

Money raised

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.

12

Funding Rounds

$1.2b

Money raised

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

7

Funding Rounds

$1.2b

Money raised

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

Location:

Key people:

6

Funding Rounds

$5.8m

Money raised

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

3

Funding Rounds

$35.9m

Money raised

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

Industries:

Location:

Key people:

6

Funding Rounds

$687.3m

Money raised

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

Location:

Key people:

6

Funding Rounds

$1.8b

Money raised

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

Industries:

Location:

Key people:

9

Funding Rounds

$973.2m

Money raised

Thumbtack is a company operating an online platform for finding and hiring workers for particular tasks.

Location:

Key people:

15

Funding Rounds

$147.0m

Money raised

Brightpearl is an omnichannel retail management platform for inventory management, order processing and fulfilment, contact relationship management, and accounting automation.

5

Funding Rounds

$187.0m

Money raised

Amperity is a Seattle, Washington-based company that offers a customer data platform (CDP) for enterprises.

Key people:

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