43 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 43 start-ups with an aggregate funding of $4.1b. The average funding per company in this subset is $94.5m.

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.

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.

Location:

Key people:

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.

Location:

Key people:

4

Funding Rounds

$2.9m

Money raised

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

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.

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.

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.

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.

Location:

Key people:

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.

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

$70.7m

Money raised

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

Location:

Key people:

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.

4

Funding Rounds

$1.8m

Money raised

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

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

Key people:

1

Funding Rounds

$7.7m

Money raised

OptioPay is a developer of a disbursements platform.

4

Funding Rounds

$169.4m

Money raised

smava is a Berlin-based provider of an online peer-to-peer lending marketplace.

Location:

Key people:

3

Funding Rounds

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

2

Funding Rounds

$10.0m

Money raised

Authenteq provides an Omni-Channel identity verification and KYC solution that allows your customers to verify their identity through any channel without compromising their privacy.

4

Funding Rounds

$6.9m

Money raised

Realxdata is a company founded in 2016 by Iñaki Merino, Daniel Sprünker, Stefan Nusche and Titus Albrecht.

Location:

Key people:

2

Funding Rounds

$11.0m

Money raised

One-stop digital health insurance solution.

Location:

3

Funding Rounds

massUp is a digital MGA, offering white label insurance products for partners through a SaaS solution.

1

Funding Rounds

$2.8m

Money raised

A company offering a platform for fighting financial crime.

3

Funding Rounds

$67.0m

Money raised

Spotcap empowers SMEs with tailored finance, allowing them to focus on their business.

1

Funding Rounds

$18.0m

Money raised

Utila is a digital asset management platform for institutions founded in 2022 by Bentzi Rabi.

Location:

Key people:

1

Funding Rounds

$215.2k

Money raised

Herdius is a blockchain company founded in 2017 by Balazs Deme.

2

Funding Rounds

$4.4m

Money raised

orderbird AG is a company founded in 2011.

1

Funding Rounds

$2.3m

Money raised

CyberDirekt is a company founded in 2017.

Location:

Key people:

1

Funding Rounds

$9.7m

Money raised

wealthpilot enables professional advisors to deliver a data-driven and truly personal wealth management.

2

Funding Rounds

WeAdvise is a Germany-based company founded in 2018 by Markus Klems.

2

Funding Rounds

Giromatch is a company founded in 2014 by Daniel Conradt, Robin Buschmann and Viktor Kraus.

1

Funding Rounds

$56.0m

Money raised

Provider of AI-powered anti-money laundering (AML), screening and fraud prevention solutions.

Location:

Key people:

3

Funding Rounds

$152.4m

Money raised

Kreditech uses machine-learning technologies to provide access to better credit for the underbanked.

1

Funding Rounds

$26.4m

Money raised

Wealth management software provider for family offices and private banks.

Location:

Key people:

2

Funding Rounds

$48.3m

Money raised

Remagine offers a financial platform for startups

1

Funding Rounds

$5.0m

Money raised

Tomorrow is a sustainable banking app founded in 2017 by Inas Nureldin , Jakob Berndt and Michael Schweikart .

Location:

Key people:

1

Funding Rounds

$4.3m

Money raised

Briink is an AI-powered ESG data platform for sustainability teams founded in 2021 by Tomas van der Heijden.

1

Funding Rounds

$48.0m

Money raised

Flexvelop is a rent-to-buy equipment financing platform founded in 2018 by Ralf Gmelin, Marvin Nelle and Hans Christian Stockfisch.

Location:

Key people:

1

Funding Rounds

Bees & Bears is an energy credit platform founded in 2023 by Jakob von Egidy.

Location:

Key people:

1

Funding Rounds

$32.3m

Money raised

Simplesurance is a Germany-based company.

1

Funding Rounds

$4.7m

Money raised

NAO is a provider of a co-investment platform founded in 2022.

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