Fintech · Germany
Fintech startups in Germany
Early-stage fintech companies headquartered in Germany, founded in the last 5 years. Drawn from public sources.
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.
20 early-stage fintech startups in Germany
A comprehensive list from public sources, not a hand-picked few.
Alby
Munich, GermanyA digital companion and browser wallet designed for seamless Bitcoin Lightning payments on the web.
Bunch
Berlin, GermanyAsset management and investment operation platform for private markets.
Embea
Berlin, GermanyPan-European embedded life and critical-illness insurance platform that lets partners offer coverage within their own digital customer journeys.
Expresssteuer
Hamburg, GermanyAn automated tax filing platform designed to simplify the refund process for working-class employees.
finmid
Berlin, GermanyFinancial infrastructure that lets B2B software platforms and marketplaces embed financing for their SME customers via API.
Garentii
Munich, GermanyDigital rental deposit platform replacing cash security deposits with insurance.
Kadmos
Berlin, GermanyCross-border salary payment platform designed to simplify and secure remittances for migrant workers.
Klassengeld
Hamburg, GermanyA digital payment platform for school trips and classroom funds, reducing administrative work for teachers.
Kuno
Munich, GermanyAn automated financial operations and payroll platform built specifically for growing companies.
Mondu
Berlin, GermanyB2B buy-now-pay-later and invoice payments platform that lets merchants and marketplaces offer flexible payment terms at checkout.
Nelly
Berlin, GermanyDigital check-in, document signing, and payment software for medical practices.
Payrails
Berlin, GermanyModular payment operating system that lets global enterprises orchestrate payments, payouts, tokenization, reconciliation and analytics across providers and markets.
Pile
Berlin, GermanyTreasury and diversified cash management platform tailored for high-growth startups and tech companies.
re:cap
Berlin, GermanyAn alternative financing platform providing non-dilutive recurring revenue funding for digital companies.
Sunhat
Cologne, GermanyESG and sustainability compliance platform that automates responding to sustainability questionnaires and proving compliance data for enterprises.
SureIn
Berlin, GermanyDigital insurance management platform designed specifically to track and optimize coverage for SMBs.
The Landbanking Group
Munich, GermanyPlatform for assessing, managing, and financing nature-based assets and biodiversity.
Topi
Berlin, GermanyHardware-as-a-Service financing platform that enables merchants to offer seamless rental options to business clients.
trawa
Berlin, GermanyAI-driven green electricity procurement platform designed for medium-sized enterprises.
UnitPlus
Berlin, GermanyInvestment platform enabling users to invest in capital markets and pay with their investment portfolios via a personalized debit card.
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