These are the Top Fintech (Financial Technology) Companies in Denmark (2021)

Pleo

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Pleo offers smart payment cards for employees for them to buy things they need for work, while keeping the companies in control of spending.

Lunar

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Lunar is a digital challenger bank that offers a mobile-based banking app that helps consumers control their personal finances. It provides a range of financial services including insurance, savings, budgets, loans, and investments via a mobile application.

The company also operates a banking license and launched a challenger bank providing free accounts and a subscription-based service called Lunar Premium. Lunar aims to roll out full personal and business banking operations and strive towards profitability in profitable banking markets.

Up to date, the company has raised €104 million from investors including Seed Capital, Greyhound Capital, Socii Capital and Chr. Augustinus Fabrikker.

It has offices in Aarhus, Copenhagen, Stockholm, and Oslo, with a headcount of more than 180 employees. The Copenhagen, Hovedstaden-based company was founded in 2015 by Ken Villum Klausen..

Coinify

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Coinify is a global virtual currency player offering two-way virtual currency to fiat conversion services for businesses and individuals. Incorporated in 2014 and headquartered in Denmark, Coinify is backed by SEB Venture Capital, Nordic Eye Venture Capital, SEED Capital Denmark, and Accelerace.

The Coinify.com platform provides various virtual currency trading and payment processing services: individuals can buy and sell virtual currencies; wallets can utilise our white-label solution to offer in-wallet trading; and we have a payment suite with virtual currency payment products for online merchants, payment service providers, retail stores and more. The Coinify team has a strong background in payments, finance, risk, e-commerce, and compliance, along with experience working with digital currencies since 2010.

We actively work alongside regulatory bodies and financial institutions to provide a strong, compliant service that adheres to the standards of the industry. Recent industry awards and recognitions include: Best Practices Award for ‘Global Blockchain Financial Service Provider 2017’ by Frost & Sullivan; ‘Emerging Star – Fintech 100’ by KPMG & H2 Ventures; ‘Top 100 FinTech Europe’ 2017 & 2016; Nordic Startup Award for ‘Best Fintech Startup Denmark 2017’; ‘#22 in Top 50’ Financial IT Pathfinder Ranking; and The Diversity Award 2018 by the European Women Payments Network.

To learn more, please visit coinify.com.. .

Cardlay

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The Cardlay White Label approach eliminates any back-and-forth discussion and demanding processes just to order payment cards. With real-time notifications and virtual account functionality; tracking multiple transactions is simple, fast, and immediate.

The Cardlay Platforms communicate instantly with each other and companies can issue, load, and manage transactions in real-time. Cardlay integrates the handling of payment cards and transactions and expense management in a single software platform.

The platform can be used to issue, activate, load and manage cards and expenses globally for complete visibility. Physical & virtual cards are issued in a few seconds in the chosen currency.

Receipts and expenses are loaded from the app and administrated, approved and reimbursed centrally. With real-time notifications and virtual account functionality, tracking multiple transactions is simple, fast, and immediate.

This frees up resources for cardholders and accounting departments – and thereby provides customers with immediate economic benefits.. .

Saxo Bank

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Saxo Bank is a licensed and regulated Danish bank specializing in online trading and investment across global financial markets. It offers a range of assets and products for online trading, fixed income products, trading platforms, and more.

Saxo Bank offers SaxoTrader, an online trading platform that allows investors to trade multiple asset classes from a single account; SaxoWebTrader, a browser-based trading platform, which allows individuals to trade various asset classes; and SaxoTrader App for iPad, iPhone, and Android phones. Saxo Bank was founded in 1992 and is headquartered in Hellerup, Denmark..

Pento

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Pento provides a SaaS-based online platform intended to optimize payroll services. Its platform helps to automate payroll system and offer complementary features to employees, such as user-friendly access to pay history and personal pay-related data, enabling small and medium-sized companies to find a digital way to automate salary processing, taxes and is fully connected to HMRC.

The company was founded in 2016 and is based in London, United Kingdom.. .

hiveonline

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hiveonline is a Copenhagen, Denmark, Kigali, Rwanda and Stockholm, Sweden-based startup delivering digital financial solutions for communities of entrepreneurs who can’t access the formal financial system. It has two main lines of business based on the same core technology; a Savings Group product and a Cooperatives product, both creating a financial ecosystem for unbanked communities in developing economies, bringing financial services including identity, structured lending, risk aggregation and cheap digital cash (with license) without the need for bank records or formal ID.

hiveonline provides frictionless financial administration and an incorruptible trust network, via a unique combination of behavioural analytics and multi-asset blockchain technology. The company has nine employees..

Likvido

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Likvido provides SMEs with a platform for automating the invoice management and the collection processes in a user-friendly way. The prediction engine enable the company to forecast the risk and cash flow for each specific invoice.

By understanding real-time transactional risk for all transactions, they will long term be able to offer financing and credit insurance for SMEs.. .

Aiia

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Founded in 2011, Aiia (formerly Nordic API Gateway) is a leading open banking platform in Europe. Based in Denmark, the platform empowers businesses and financial institutions with the ability to integrate financial data and to offer account-to-account payments directly in their services.

Today, Aiia has more than 2000 connected banks across 21 European markets, processes more than 10 million bank logins and more than a million account to account payments every month for large banks and e-commerce payment gateways – a number the open banking platform expects to be tenfold at the end of the year, as the company is set to expand to the rest of Europe in 2021.

The open banking platform has received backing from Danske Bank and DNB to build a leading pan-European open banking infrastructure to support financial innovation in the rapidly changing financial services industry.

Aiia provides open banking services to a long list of financial institutions including Lunar, Danske Bank, Santander, OP Financial Group, DNB, Resurs Bank, BEC, Bankdata, Pleo, Checkout Finland and many more. Learn more: www.aiia.eu

Nordic Eye Venture Capital

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Nordic Eye is a Danish venture capital firm based in Copenhagen and Los Angeles, California. We invest in carefully selected and mainly Nordic early-growth companies in tech and lifestyle business areas.

We look for companies that can scale globally and where we can add value while helping to provide great exit opportunities within approximately five years.. .

Sepior

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Sepior is enabling trust for online financial transactions and enterprise data protection applications, such as cryptocurrency custodial wallets, public or private blockchains, and cloud-based SaaS offerings, using threshold-based multiparty computation (MPC). Using patented threshold cryptographic protocols, Sepior’s RSA award-winning team of renowned cryptography experts has revolutionized key protection and management required for online security and privacy.

The result is a customer-definable security framework that operates with any hardware, virtual device, or platform, using a distributed-trust model, optimized for current and emerging fintech, cloud, IoT, and distributed ledger applications and services, allowing our customers to transact with trust.. .

NewBanking ApS

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NewBanking is a company founded in 2015 with the aim of providing a user identity platform that will allow end-users to verify their identity easily and securely across businesses while at the same having control and ownership of their own data and identity online. Their platform also solves the regulatory challenges that the financial institutions are facing, especially in regards to the 4th European Anti-Money Laundering (AML) directive and the General Data Protection Regulation (GDPR) among other relevant regulatory legislation.

NewBanking is a company founded in the regulatory space. We are therefore in close dialog with the regulators and are also involved directly via the European PSMEG (Payment Systems Market Expert Group) and the Blockchain standardization work (ISO TC 307 on Blockchain and Distributed Ledger Technologies)..

Yourpay

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We make payments simple, transparent and favorable for e-commerce and POS. Yourpay was the first fully licensed payment facilitator by MasterCard, Visa and the Danish FSA and an independent alternative to the national acquirer in Denmark.

Our merchants are SMEs and consist of a variety of brand new entrepreneurs and mature businesses with years of experience. We can service a quick and simple onboarding of only 3-5 days and an easy integration to multiple shopping systems, so the merchant is ready to process payments in no time.

A team, that is passionate about fintech, security and creating a climate for success for our merchants. At Yourpay, we disrupt the current financial barriers by charging a transaction fee of only 1,35%.

Therefore, if our merchants doesn’t make any money, we don’t make money either. We are disrupting the current financial market by changing the way people view payments.

We direct our focus to the merchants and not on market standards, which has the largest focus on the bottom-line. We don’t do payments, we are the future of payments.

You can find us at: www.yourpay.io. .

Grandhood

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Denmark-based startup working on an alternative pension fund.

The Many

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Based in Copenhagen, Denmark. Brickshare is a property crowdfunding platform that allows you to build your own property portfolio.

Choose your investments & invest as little as €670. The company pays out dividends each quarter which stems from rental profits.

The company will soon be expanding their business to other alternative assets. Currently, their sights are set on delivering investment opportunities within Solar and Wind energy.

NORD.investments A/S

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NORD is a digital investment services; in cooperation with Saxo Bank, helps you design and maintain your portfolio. NORD is a Danish company that was started as a response to the high cost mutual funds and bank advisers takes to help their customers to invest.

Instead of having expensive consultants and large branches NORD has a simple self-service platform with the right tools. Most are handled automatically and the practical tasks for our experts can be kept to a minimum.

All investment plans are composed of carefully selected ETFs. When you invest through NORD, it is therefore not in individual stocks or bonds but rather in a number of funds that spreads your risk..

OpenLedger

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OpenLedger ApS is a Danish company dedicated to bringing the power of blockchain technology to the wider business world. The company has over 50 expert software development and architecture specialists, marketers, business analysts, legal and support personnel in our headquarters in Copenhagen, Denmark, and our technical center in Minsk, Belarus.

Since our inception in 2014, the team of experienced blockchain developers helps commercial and governmental organizations to access the benefits of distributed ledger technology in their operations.. .

Risika

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Risika is a financial technology company founded in 2017 with a vision to challenge the long-lasting status quo in the financial risk management industry. Today, the CFO needs to be in the driver’s seat when it comes to translating internal and external data into solid decision-making using secure algorithms.

Our team of experts within the fields of financial auditing, data science and computer science will make sure all solutions are customisable, automated and 100% reliable. .

Paiblock

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Paiblock is a blockchain based and AI-capable payment and digital lifestyle platform

Tradeworks.io

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Tradeworks is a SaaS-company founded by experienced entrepreneurs from the financial industry with a shared ambition of improving online financial trading through intuitive automation technology. The company mission is to design, build and operate innovative and independent trading technology that empowers individual traders of financial securities to optimize their trading results.

Driven by the company’s core values of honesty, reliability, integrity and innovation, Tradeworks aims to narrow the technological gap between the individual trader and global financial institutions.. .

Bancore A/S

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Bancore is a financial services company that offers mobile payment solutions for the un-banked and semi-banked populations in emerging markets. The company offerings also include a wide range of mobile banking and micro-payment services for international enterprises and merchants.

Through the use of virtual Visa and Mastercards, the company facilitates the deposit and withdrawal of funds, transactions such as bill payment, and e-commerce purchases. Bancore was founded in 2005 and is based in Fredensborg, Denmark..

MyMonii

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MyMonii will help families to integrate financial education into everyday life. They want to create a service that makes it possible and simple for parents to teach their children about spending money, savings and consumption, so they can have a healthy relationship with money and can be well prepared for having to stand on its own economic feet.

MyMonii have +200.000 Downloads in Denmark.. .

CodersTrust

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Learn more, earn more! CodersTrust is providing education and micro loans to students in emerging countries, so they can improve their coding skills and earn more money on freelance markets. Our business idea is essentially very simple: one of the biggest barriers to technology-based economic development in developing countries is the relatively high cost of – generally poor quality – of appropriate education and particularly access for “base of the pyramid” to education and jobs within the tech-based economy.

Be part of our mission and become our backer, advisor or mentor – We provide access to online tech based education, and you can empower young talented individuals, give them the tools to change their lives and prospects for the future! Visit www.coderstrust.com for more info!. .

CrediWire

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CrediWire is a real-time financial data connector that collects data to help companies provide loans and better risk management.

The Capital Platform

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The Capital is a publishing platform for professionals in business, finance, and tech. We are a professional social network with a focus on, but not limited to, fintech and finance.

The Capital incentivizes its users financially to provide quality content and engagement, treating the users as partners rather than consumers. The idea is that users are financially rewarded for their activity on the platform, their data, and their content, so the user can make a significant income and share in the revenue.

On top of that, we envision our platform to become a place for people to share their financial knowledge and therefore mitigating financial illiteracy in the world as more people connect to the internet and The Capital.. .

Yorker

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Yorker is an online challenger bank that offers commercial loans to smaller companies without a mortgage claim. It wants to make it much easier for small and medium-sized enterprises (SMEs) to access financing in the form of corporate loans.

It, therefore, offers a full online solution that makes it easy to apply, get answers quickly and at competitive and transparent prices. Yorker was started by Peter Krabbe in 2019.

It is headquartered in Copenhagen, Denmark.. .

Matter

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Matter is a Danish startup specializing in sustainable investments in the pension space.

INPAY

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Their unique payments infrastructure delivers real-time cross-border transactions in 60+ countries and will reach 200+ countries by 2019. This enables their customers across the banking, travel, B2B and financial services sectors to improve efficiency, reduce costs and create new revenue streams.

They are a regulated Financial Institution in the EU, regulated by PolyReg in Switzerland, AUSTRAC in Australia, a TPPP in South Africa and others, to ensure full compliance in every jurisdiction they operate in. They service their customers from 11 offices round the world and together they strive to make the world a little smaller and commit their values – Trust, Accountability, Passion, Innovation and Respect – into everything they do..

Subaio

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Subaio is a software company that creates products and services that simplifies people’s lives.

Fellow Pay

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We enable SMEs to grow by providing fair access to credit through upfront financing on invoices and extending 60 days free credit to buyers.

Payeer

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Payeer service – the mass pay transfers to various payment systems, bank cards and bank accounts worldwide via our API protocol.

Muinmos

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muinmos fully automates all the necessary regulatory compliance checks for you; within seconds you will realise – with complete confidence – that your client base is global. No more templates, no more checklists, no more costly legal opinions; with muinmos PASS you need to look no further.

You no longer need to spend valuable time navigating local regulatory environments; muinmos PASS does the work for you, allowing you to do what you are best at doing – acquiring new clients and carrying out your business model. They allow you to comply with global regulations, protecting your investors, and which in turn will help revive activity within global capital markets..

November First

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November First is a digital cross-border payment platform. Licensed as a payment institute by the Danish FSA, November First today manages international payments for companies in Denmark realizing savings of 20-50% on the currency margin and 40% – 50 % on fees compared to other Danish banks.

The platform allows multiple banks to automatically bid on each payment in real time, thus providing an unseen transparency on real time exchange rates and transaction fees for the clients. Having established itself as a cost efficient alternative to incumbent banks, November First has embarked on the new objective of facilitating a digitalization of the financial functions.

Through the development of a solid API the company have entered into multiple partnerships that includes some of the leading ERP and Salary systems in Denmark and the Nordics, and during 2018 November First will launch its services on other European markets through portals and new partnerships.. .

DigiShares

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DigiShares provides a software solution that is used through the issuance process. It is a white-label software solution for the issuance and management of securities (shares, bonds, etc.) on the blockchain and is one of the first functional and compliant STO platforms in Europe.

The solution provides a dashboard for the issuer with an ownership cap table that is automatically updated when tokens are traded. The token smart contract automatically checks that the buyer is whitelisted and updates the share cap table if the trade is allowed.

This ensures that the issuer will avoid non-compliance. The solution provides the investor with a dashboard to register and get verified through a customized KYC/AML process.

The issuer can track the status of all investors through the issuer dashboard. The issuer can also manage the allocation of shares, approval of investor verification, calling of votes, distribution of dividends, reissuing of lost tokens, etc.

The issuer can whitelist new investors that are interested in buying shares.. .

Hufsy

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Creating a business bank account in Germany is a hassle – but not anymore. Hufsy is a business bank account that can be created in under 10 minutes.

Perfect for small businesses and freelancers, Hufsy not only provides the account, but users can select from various financial services such as invoicing, VAT and tax calculations, and accounting. Our priority is the user experience.

Smooth, simple, secure. We enable our customers to focus their resources on their business not their banking, saving them precious time and money.

Hufsy also provides our clients with a Mastercard and a great overview of their finances.. .

Tradable

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Tradable provides an open API trading platform that helps brokers solve the needs of their clients. It helps its users build their own platforms by installing applications.

Tradable was founded in 2012 and is based in Copenhagen, Denmark.. .

Block Finance

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Block Finance A/S is a Danish fin-tech company operating in the intersection of financial services and distributed ledger technology. The company is currently working to help launching the cosmos network : The first internet of block chain.

Meanwhile, Block Finance is also developing its own cryptocurrency based on block chain : Cumulus exchange. The platform will enable immediate and highly secured payment instructions with high throughout..

LENEO

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LENEO is creating a banking platform (BaaP) to be used when leasing. LENEO provides a full setup – 100% digital and build as a scalable platform LENEO wants to change banking and democratize how business banking and especially leasing is done.

They want to make leasing smarter, faster, cheaper and more user friendly for their costumers and their end-users. They want to change the way that bank, people and companies are handling leasing.

In a world where people and companies stop owning things, and instead are focusing on freeing up capital and get access to things, the LENEO team believes leasing is the most vital financial tool when responding to this changing world.. .

BetterNow

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BetterNow is an online fundraising platform for charities where their supporters can donate and fundraise money for charities all over Europe. Find the charity you want to support, create your own personal online fundraiser and share your cause with your family, friends and extended social network.

With your online fundraising page, it’s easy to receive donations, easy for your friends to donate and get their tax deduction, and the money is safely delivered to the charity your fundraiser supports. As a charity, BetterNow allows you to easily connect with your supporters online and efficiently handle unlimited numbers of online fundraisers.

We accept donations across countries from donors speaking various languages and using local online payment methods. We handle everything related to running the platform, doing administration, service and support – and you as a charity can focus on what is important; explaining your cause and keeping contact with your supporters.

As a charity, you can connect with a new generation of socially aware, creative and connected fundraisers by getting online with BetterNow, and use social media to spread your message and receive online donations.. .

MyC4

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MYC4 is an internet marketplace where you and investors from around the world can lend money directly to entrepreneurs who are doing business in Africa and create growth together with them. That means when the African business makes money as a result of your loan, you can also make money.

MYC4 is a business a business that creates growth growth created by you.. .

TIP insurance

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TIP insurance first automated insurance platform where you can compare insurances from various companies and buy your tailor-made insurance.

Capital Aid

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Capital Aid helps small business grow through strategic growth loans based on company performance.

Tobi

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Tobi is a digital investment service for parents that makes it easy to grow their children’s long-term savings. We receive recurring deposits, cash gifts and advance inheritance from parents, grandparents and friends of the family and invest them based on the parents’ risk profile.

Some would call us a niche robo-advisor. We are a team of experienced entrepreneurs with a purpose of enabling children to get the best possible start in life.

Initially we focus on the child’s wealth but our purpose holds so much more potential across different verticals including insurance, health and services which bridge family generations.. .

Contractpedia

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Contractpedia will help you to get a financial overview of your contracts, stay in control of auto-renewals and find money internally.

BeScord

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BeScord Banking is a global and scalable solution, based on the latest secure cloud technology.

Spenderlog

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Spenderlog helps you keep track of your spending and shows you exactly what you spend money on. Spenderlog reads your receipts and categorizes your groceries with help from AI and machine learning.

Stay on top of your money and your habits. Whether your focus is on chocolate, meat or vegetables, Spenderlog is here to help..

Copenhagen FinTech

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Copenhagen FinTech develops research, innovation and education within financial technology.

Norfico

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Norfico is a Nordic advisory and communications agency specialised in Financial Technology – Fintech – including connected commerce, digitisation and identity. Norfico is the first agency in the region to combine advisory services across technology, strategy and communication focusing on Fintech.

This unique combination allows us to serve our clients broadly across the value chain and increase the value delivered.. .

Taktikal

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Taktikal isa financial institutions with the goal of helping service companies

Valiat

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Valiat Technologies – Powered by Ethereum smart contracts Valiat is a layered application running on the Ethereum blockchain, the platforms’ use of smart contracts enables secure derivatives trading. Valiat is built on bidirectional payment channels allowing clients to trade off-chain with the assurance of on-chain enforceability.

The project looks to make advancements on account clearance, escrow capabilities and low-cost trading.. .

Appvestor

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Appvestor is a platform that lets investors to successfully invest in apps without taking an equity share in the company that makes them. Appvestor brings success in the mobile app economy to app publishers and investors alike.

In 2016 it generated €400 billion in revenues. Experts say it could reach €725 billion in 2022..

Lead Supply

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Lead Supply deals in making the loan market more transparent, convenient & digital to help consumers & banks find the best possible match.

Capital Market Partners

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Capital Market Partners offers IT solutions for capital market and provides consultation and implementation services to financial sector.

SubHub ApS

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Fintech company providing solutions for the growing subscription economy

DA-ATH Holding

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DA-ATH Holding is an investment firm based in Copenhagen, Denmark.

Gingr

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Gingr lets businesses accept and make payments. They can analyse, manage and grow their business through a customised interface with live statistics Metrics that will assist one in optimising your company.

Simple solution, all in one system. Gingr is like an online bank, customized for small & medium businesses.