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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.

  • Fizen

    Opole, Poland

    Provides open banking APIs and financial data aggregation tools for developers and businesses.

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  • Payriff

    Baku, Azerbaijan

    A next-generation payment gateway offering online payment processing and digital invoicing for Azerbaijani merchants.

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  • Defacto

    Paris, France

    B2B embedded finance platform offering instant credit solutions via API integrations.

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  • Numra

    Dublin, Ireland

    Develops AI-powered intelligent workflows and assistants for mid-market finance departments.

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  • Devengo

    Madrid, Spain

    An API-first platform that enables businesses to integrate real-time instant payments into their applications.

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  • Dattak

    Paris, France

    Cyber insurance platform for SMEs that pairs fully digital underwriting with built-in cybersecurity monitoring and risk-assessment tools.

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  • FinanceKey

    Helsinki, Finland

    Provides an API-based real-time cash management and payment automation platform for enterprise treasury teams.

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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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  • SparkReceipt

    Tampere, Finland

    Builds an AI-powered pre-accounting and receipt scanning SaaS platform to help freelancers and small businesses automate expense tracking and document management.

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  • Yonder

    London, United Kingdom

    A lifestyle credit card for city dwellers that offers curated reward experiences without the hidden fees.

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