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Fintech directory

Early-Stage Fintech Startups in Europe

Fintech covers the technology companies rebuilding how people and businesses move, borrow, invest and manage money. Europe is a strong base for the sector thanks to deep open banking regulation, single market passporting across the EU and EEA, and major financial hubs in cities such as London, Berlin, Amsterdam, Paris and Stockholm.

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United Kingdom32France21Germany20Spain18Liechtenstein13Netherlands13Portugal13Belgium12Denmark12Sweden12Estonia11Finland11Czechia10Italy10Poland10Switzerland10Austria9Bulgaria9Lithuania9Norway9Luxembourg8Türkiye8Ukraine8

Why fintech now

European consumers and businesses are shifting to digital-first money management at speed, and clear rules under PSD2 and open banking have opened bank data and payment rails to new entrants. That combination lets European fintech companies scale across many regulated markets from a single base, making the region a focal point for financial innovation.

How we choose these companies

A public directory of early-stage European fintech startups. We aim to list every company that fits, not a hand-picked few. Here is exactly what that means, and why:

  • European: headquartered in Europe (EU, EEA, UK, Switzerland and nearby). We go by where a company is based, not just where it sells, because this is a map of the European ecosystem.
  • Early-stage: founded in the last 5 years. That is where the new ideas and the most active part of the ecosystem are; established household-name scaleups are a different list.
  • A real product company: builds a scalable technology product or platform. We leave out agencies, consultancies and local service businesses, which do not follow the same path.
  • Independent: a standalone company, not a subsidiary or brand of a larger corporation.
  • Active: currently operating, with a live website. We re-check regularly and remove companies that shut down, get acquired, or move out of scope.

We list only public information about what each company does. We deliberately do not track or show fundraising: who is raising, who is investing, or how much. This is a directory of companies, not a deal database.

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379 early-stage fintech startups in Europe

Founded in the last 5 years. A comprehensive list from public sources, not a hand-picked few.

  • Workamo

    Stockholm, Sweden

    A compliance and payroll platform designed for gig workers, freelancers, and the companies that hire them.

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  • Worig

    Zagreb, Croatia

    A digital tenant screening and rental platform that simplifies renting for landlords and tenants.

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  • Fastex

    Yerevan, Armenia

    A web3 and cryptocurrency ecosystem providing digital asset exchange, staking, and payment solutions.

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  • Notolytix

    Sofia, Bulgaria

    A real-time risk assessment and fraud prevention platform helping companies manage compliance and transactional risk.

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  • FinqUp

    Skopje, North Macedonia

    An investment platform that provides retail investors with access to global financial markets and investment tools.

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  • Kula

    Reykjavik, Iceland

    A green financing platform that connects SMEs with sustainability-linked funding and carbon-tracking tools.

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  • Depowise

    Tallinn, Estonia

    Automation software for depository banks, asset managers, and fund administrators.

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  • Payrails

    Berlin, Germany

    Modular payment operating system that lets global enterprises orchestrate payments, payouts, tokenization, reconciliation and analytics across providers and markets.

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  • Narvi Payments

    Helsinki, Finland

    Offers real-time business banking, dedicated IBAN accounts, and cross-border SEPA and SWIFT payment solutions via an API-first platform.

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  • re:cap

    Berlin, Germany

    An alternative financing platform providing non-dilutive recurring revenue funding for digital companies.

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