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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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.
Missing a company, or see something off? Suggest an addition or report an issue.
379 early-stage fintech startups in Europe
Founded in the last 5 years. A comprehensive list from public sources, not a hand-picked few.
Woli
London, United KingdomA financial literacy app and prepaid card designed to teach kids and teens smart money management.
Woolsocks
Amsterdam, NetherlandsA financial super-app that helps users automate savings, track expenses, and claim cashbacks on their spending.
Vespia
Tallinn, EstoniaProvides an AI-powered business verification and anti-money laundering compliance platform.
Uelz
Valencia, SpainPayment orchestration platform to manage and automate multiple payment gateways under a single integration.
Enfineo
Chisinau, MoldovaA multi-asset financial platform offering digital banking, asset management, and fiat-crypto integrations.
Pona
Paris, FranceBilling and financial management platform tailored specifically for law firms.
Revuto
Split, CroatiaAn active subscription management platform helping users control, block, and pay for digital subscriptions.
Zexel
Barcelona, SpainSoftware that simplifies influencer marketing administration by automating billing, contracts, and creator payments.
Paytiko
Sliema, MaltaA payment management platform that consolidates payment providers and technologies for online merchants.
Búi
Reykjavik, IcelandAn equity-building housing platform offering an alternative rent-to-own pathway to homeownership.
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