Fintech · Spain
Fintech startups in Spain
Early-stage fintech companies headquartered in Spain, 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.
18 early-stage fintech startups in Spain
A comprehensive list from public sources, not a hand-picked few.
Abacum
Barcelona, SpainFinancial planning and analysis platform that empowers finance teams with real-time data automation and collaborative forecasting.
Bankflip
Barcelona, SpainReal-time financial and tax document collection and processing software for financial institutions.
Bcas
Madrid, SpainStudent financing platform offering flexible funding solutions such as Income Share Agreements to make higher education more accessible.
Boopos
Madrid, SpainA non-dilutive lending platform that finances the acquisition and growth of e-commerce and SaaS businesses.
Colibid
Valencia, SpainAn auction-based mortgage platform where financial institutions bid in real time to offer buyers the best rates.
Complif
Madrid, SpainCompliance and anti-money laundering (AML) software designed for financial and legal entities.
Crescenta
Madrid, SpainDigital investment platform offering retail and professional investors streamlined access to top-tier private equity funds.
Devengo
Madrid, SpainAn API-first platform that enables businesses to integrate real-time instant payments into their applications.
Embat
Madrid, SpainReal-time treasury management and payment automation for corporate finance teams.
Equito
Barcelona, SpainA tokenized real estate platform enabling users to purchase fractional shares of rental properties.
Hubuc
Barcelona, SpainAPI-first embedded financial services platform that enables businesses to integrate banking features into their products.
Paymefy
Barcelona, SpainAutomated, AI-powered communication platform designed to optimize debt collection and outstanding bills recovery.
Reveni
Madrid, SpainPost-purchase customer experience platform offering instant refunds and exchanges to drive repeat sales.
Sttok
Barcelona, SpainDigital equity management and corporate governance platform for startups and legal advisors.
Tuio
Madrid, SpainA digital neo-insurer offering flexible, paperless home insurance policies.
Uelz
Valencia, SpainPayment orchestration platform to manage and automate multiple payment gateways under a single integration.
Vivla
Madrid, SpainFractional co-ownership platform for high-end second homes.
Zexel
Barcelona, SpainSoftware that simplifies influencer marketing administration by automating billing, contracts, and creator payments.
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