This article showcases our top picks for the best Europe based Fintech (Financial Technology) companies. These startups and companies are taking a variety of approaches to innovating the Fintech (Financial Technology) industry, but are all exceptional companies well worth a follow.
We tried to pick companies across the size spectrum from cutting edge startups to established brands.
We selected these startups and companies for exceptional performance in one of these categories:
- Innovative ideas
- Innovative route to market
- Innovative product
- Exceptional growth
- Exceptional growth strategy
- Societal impact
Top Europe Fintech (Financial Technology) Companies
Checkout.com provides fintech companies with a cross-border payment solution for digital commerce. The business offers direct access to domestic acquiring across payment methods and geographies, including all major credit and debit cards, online banking, PayPal, Apple Pay, and other eWallets.
This is achieved through a unified integrated platform which also provides fraud management tools, analytics, and comprehensive reporting features.. .
Curve is a banking platform that consolidates cards and accounts into one smart card and app. It allows customers to supercharge their legacy banks to the 21st century without leaving their bank or topping-up.
Curve offers a host of benefits to its customers; it makes cards fee-free when spending abroad, get instant notifications and categorization of spend, earn an instant 1% cashback at the likes of Amazon, Uber, Netflix and Sainsbury’s and Time Travel enables customers to swap spend to a different card in the app for up to two weeks after the purchase was made. Curve also offers Curve Customer Protection, a policy that covers all credit and debit card payments made via the Curve card up to £100,000, giving cardholders an extra layer of protection for disputes with merchants and any unauthorised use of their Curve card.
IDC Ventures backs Curve with Fuel Venture Capital, Vulcan Capital, OneMain Financial, and Novum Capital backs Curve. Shachar Bialick, Anna Mostyn Williams, and Tom Foster-Carter established the company in London, England in 2015..
Mambu is a software-as-a-service banking engine provider that powers lending and deposit services. By offering its API, it enable clients to start up new business ventures, transform existing operations, launch new products, and expand into new markets.
The company provides financial institutions of all sizes to design, launch, service, and scale their banking and lending portfolio. It empowers over 7,000 loan and deposit products which serve over eight million end customers.
With more than three million active accounts in over 46 countries, ranging from fintech to traditional banks. Few of Mambu’s backer is TCV, Tiger Global, Arena Holdings, Bessemer Venture Partners, Runa Capital, and Acton Capital Partners.
In 2011, Eugene Danilkis, Frederik Pfisterer, and Sofia Nunes formed the Berlin, Berlin, Germany-based SaaS startup.. .
GoCardless is the global leader in recurring payments. GoCardless’ global payments network and technology platform take the pain out of getting paid for businesses with recurring revenue.
More than 40,000 businesses worldwide, from multinational corporations to SMBs, transact through GoCardless each month, and the business processes $10bn of payments each year. GoCardless now has four offices in the UK, France, Australia, and Germany..
Tink is a cloud-based open banking platform that provides the infrastructure and value-adding data products that are enabling the future of financial services. Tink offers products such as account aggregation, payment initiation, data enrichment, and personal finance management that can be used to develop standalone services or be integrated into existing banking applications.
Its partners include ABN AMRO, BNP Paribas Fortis, Nordea, Klarna, and SEB. Tink was founded in 2012 and is based in Stockholm, Sweden..
Lydia develops a mobile payment platform intended to make payments easier. Lydia is a social interface that connects phones with cards to pay anyone with one app, allowing users to make pain-free payments through a mobile wallet system without carrying any cheques or ATM card.
Lydia was founded in 2013 and is headquartered in Paris, France.. .
TradingView is the world’s most popular network of traders and investors – powered by real-time data and market-leading analysis software. It’s a word-of-mouth success story: from TechStars in Chicago in 2013, to over 15 million monthly active site users and over 40,000 publishers, brokerages, and fintechs utilizing its investing tools.
TradingView is a global team of over 200+, founded by Stan Bokov, Denis Globa and Constantin Ivanov. In 2018 TradingView completed a $37 million Series B round led by Insight Partners, and in 2019 they acquired TradeIT in order to accelerate the company’s existing vision..
Pennylane is a developer of a full-stack financial management platform used to deal with financial data. Centralizing all the data that was fragmented in the past, this platform enables business managers to get a real-time view of their financial data and make the right decisions.
The company enables business leaders to access their complete, and up-to-date financial data at any time.. .
Starling Bank provides a mobile banking application and a debit card that enable users to manage their finances. Its application allows users to send money to their friends, save together for trips, and have total control at their fingertips.
Anne Boden founded Starling FS in 2014 that became Starling Bank in July 2016. It has its headquarters in London in the United Kingdom..
Railsbank is an open banking API and a banking-as-a-service platform that gives regulated and un-regulated companies access to global banking. The platform provides fintech companies with a range of wholesale banking services, including IBANs, receiving money, sending money, converting money, direct debit, issuing cards, and managing credit through APIs.
It also enables marketers, product managers, and developers to take their financial product prototype, launch, and scale their vision using its open finance platform, financial operations, regulatory licensing, and rich set of APIs. Railsbank was founded in 2015 by Nigel Verdon and Clive Mitchell and is based in London, England..
N26 offers mobile banking solutions to customers in the European Union through its subsidiary. It provides international money transfer, investment, overdraft, and cash withdrawal and deposit at stores.
N26 provides mobile banking services for customers. Its mobile banking services offer online banking that include making and handling of current accounts, fixed accounts, and other banking services, letting customers manage and control their banking details via a smartphone application easily.
Maximilian Tayenthal and Valentin Stalf founded Papayer in February 2013, which later became N26, with its headquarters in Berlin in Germany.. .
Adyen operates as technology company in the Netherlands, Brazil, Singapore, the United Kingdom, Canada, Australia, South Korea, Hong Kong, Mexico, China, New Zealand, Malaysia, India, Japan, and the United States. It offers Adyen platform that integrates gateway, risk management, processing, acquiring, and settlement of payments for directly connecting merchants to Visa, Mastercard, and other payment methods, as well as sales channels, including its merchants’ online, mobile, and point-of-sale channels.
Pieter van der Does founded Adyen in 2006. It has its headquarters in Amsterdam in the Netherlands..
Pockit is a fintech business that focuses on providing financial services primarily to customers who are typically excluded or at least underserved by high street banks. It provides a digital banking app designed to cater to the underbanked masses.
An account with Pockit takes just two minutes to open and comes with an online account, contactless MasterCard, and mobile app. There are no credit checks, just an online form, and a one-off payment of 99p.
Account-holders can have their salary, benefits, or pension paid in via bank transfer, or with cash at any of the 30,000 PayPoint locations across the UK. The company was founded in 2012 and is headquartered in London, England..
Onfido digitally proves a user’s real identity using AI technology, by verifying their photo ID and comparing it to their facial biometrics. It means users and businesses can verify their online identities anywhere and anytime, without compromising on experience, inclusion, privacy or security.
Onfido powers over 1,500 fintech, banking, and marketplace clients globally—helping them onboard more users while reducing risk. Identity underpins all transactions, and over the coming years, access to everything will be based on every user’s ability to easily and securely prove their legal identity.
This will change how we think of access—everything from opening a bank account to self-checking-in to a hotel, and ultimately voting.. .
Aave (from the Finnish word for “ghost”) is an open source non-custodial protocol on Ethereum for decentralized lending and borrowing. For lenders, the protocol mints ERC20-compliant aTokens at a 1:1 ratio to supplied assets.
Interest immediately starts compounding continuously, represented by a steady increase in the amount of aTokens held by the lender. This interest stream may be redirected to any address, separate from the aTokens that represent the underlying principal.
Aave offers flash loans: trustless, uncollateralized loans where borrowing and repayment must occur in the same transaction. Aimed at developers, this feature could lead to innovative uses of DeFi..
goHenry helps young people learn how to earn, save and spend responsibly. Combining web and mobile apps with a pre-paid debit card with parental controls, goHenry gives 8 to 18 year olds hands on experience of managing money within a safe environment.
Parents set rules and limits, can allocate pocket money automatically or set tasks and chores for their children to earn extra money. They and the kids can see their earnings, spending and saving on graphs.
Children and teens can also use budgeting tools to set savings goals, and track and filter spending by retailer, size of spend and category. It’s a way to give young people financial independence so they can learn by doing, but under a watchful eye and with no danger of debt.
goHenry was set up by a small group of parents and friends, unable to find the right tools to teach their own children about money.. .
SumUp is a financial technology company that is set to become the first ever global card acceptance brand. The company enables businesses to accept card payments at the Point-of-Sale or on the go in a simple, secure and cost-effective way.
SumUp is the only company to offer an end-to-end EMV card acceptance solution built on proprietary hardware and mobile apps. This unique offering enabled SumUp to rapidly expand into 16 markets, including the U.S., Brazil and Germany, making it the mPOS company with the largest global footprint.
The company has gone on to develop a full suite of SDKs and APIs for third parties to integrate card payments into their mobile apps. SumUp has been backed by renowned investors, including Groupon, BBVA Ventures, Holtzbrinck Ventures and American Express.
In April 2016 SumUp has merged with the mPOS company payleven to create the global leader in mobile payment.. .
Celsius is a Blockchain-based marketplace platform where membership provides access to curated financial services that are not available through traditional financial institutions. Celsius specializes in the fields of consumer lending, fintech, and financial services.
It was founded in 2017 and headquartered in London, England.. .
When Funding Circle was founded, they could see that businesses weren’t being given the finance to grow, while investors were making poor returns. They had a simple idea — let them support each other.
By lending directly to businesses through Funding Circle, investors can now earn attractive returns to better provide for their future. Businesses get fast, easy access to funding to grow, create jobs, support local communities and drive the economy forward.
They believe it’s better for everyone.. .
Barclays PLC is a global financial services company that provides various financial products and services worldwide. It is engaged in retail banking, credit cards, corporate and investment banking, and wealth management with an extensive international presence in Europe, the Americas, Africa, and Asia.
The company offers current accounts, savings products, Woolwich-branded mortgages, unsecured loans, general insurance, and banking and money transmission services to small- and medium-sized businesses; investment and insurance products; business lending services; bank assurance solutions; and retail, credit and debit card, and corporate services. It also offers international payments services for consumer and business customers, including credit cards and consumer lending services; investment banking services comprising strategic advisory, financing, and risk management services to large corporate, government, and institutional clients; integrated corporate banking solutions, including cash management, lending, and trade financing services to corporate and financial institutions as well as multinationals; and a range of wealth and investment management services such as international and private banking, investment management, fiduciary, and brokerage services.
With over 300 years of history and expertise in banking, Barclays operates in over 50 countries and employs more than 147,500 people. Barclays moves, lends, invests, and protects money of more than 48 million customers and clients worldwide.
The company was formerly known as Barclays Bank Limited and changed its name to Barclays PLC in January 1985. It was founded in 1896 and is headquartered in London, United Kingdom..
Solarisbank is Europe’s leading Banking-as-a-Service platform. As a technology company with a full German banking license, Solarisbank enables other companies to offer their own financial services.
Via APIs, partners integrate Solarisbank’s modular banking services directly into their own product offering. The platform offers digital bank accounts and payment cards, identification and lending services, digital asset custody as well as services provided by integrated third-party providers.
To date, Solarisbank has raised more than EUR 160 million from a bluechip shareholder base, including ABN AMRO’s Digital Impact Fund, BBVA, finleap, Global Brain, HV Holtzbrinck Ventures, Lakestar, Samsung Catalyst Fund, SBI Group, Storm Ventures, Visa, Vulcan Capital, and yabeo Capital.. .
Over the past 10 years, we have been providing instant loans to millions of people across Europe. We believe that the expanding digital world helps improve our lives.
We would like to contribute by providing The World’s First Instant Crypto-backed Loans.. .
Liberis is a business financial services provider that aims to improve small businesses’ access to finance. It delivers finance solutions directly to small businesses and provides a scalable, finance platform for partners to help them build more valuable relationships with their small business customers.
Since its founding, Liberis has helped over 10,000 small businesses worldwide, providing them with over £300m in funding and supporting 82,000 jobs. It was founded in 2007 and is headquartered in London, England..
TrueLayer provides a platform to build financial apps that connect to bank data, verify accounts, and access transactions in real-time. The SAAS platform uses its toolkit to develop consumer and server message block (SMB) applications in the areas of payments, online lending, personal financial management (PFM), robot-advisors, insurance, investment services, p2p marketplaces, and cryptocurrencies.
It aims to grow the open banking economy by creating a platform for companies to develop new financial services and products. Francesco Simoneschi and Luca Martinetti established TrueLayer in 2016 and is based in London, England..
Using simplicity and humour, Cleo has helped 4 million people improve their relationship with money. But she’s not a bank.
She’s a platform for the 99% – an AI assistant defining a new category, one that goes beyond saving and budgets to actually changing how people feel about finances. Through chat, she provides users with deep insight about money, while suggesting personalised financial products that increase the ability to save.
That said, it’s really our tone of voice that makes us special. Cleo is a product for the next generation – meeting users where they are and building the type of relationship they expect.
That also means dropping the BS.. .
iZettle is reinventing technologies and banking services that help small-business owners live better, work less and earn more. Based in Stockholm, the financial technology company revolutionized mobile payments in 2010 with the world’s first mini chip card reader and software for mobile devices.
Today, small-business owners around the world use iZettle’s powerfully simple services to improve the speed and ease of payments at checkout, business management, sales analytics, customer engagement, and funding. .
LANDBAY – The full-stack mortgage lender. Landbay facilitates retail, institutional and local government ifnvestment into UK residential mortgages.
They direct-match funding to diversified portfolios via their platform, supporting the growth of quality private rental accommodation throughout England and Wales. Landbay mortgages are originated through a network of accredited intermediaries and via strategic partnerships, including Zoopla Property Group.
Fully authorised and regulated by the FCA. No FSCS.
Capital at risk.. .
Clark is an insurance platform providing transparent, cheap and comprehensive insurance coverage. By combining technology and insurance expertise, Clark offers users simple, fair and customer-centric insurance advice.
The Berlin-based company was founded in June 2015 by Dr. Christopher Oster and Steffen Glomb.
Clark is supported by FinTech incubator FinLeap and the insurance think tank ITA – “Institute for Transparency”.. .
Revolut is a financial services company that specializes in mobile banking, card payments, money remittance, and foreign exchange. It includes a pre-paid debit card, currency exchange, and peer-to-peer payments.
It is on a mission to build a fair and frictionless platform to use and manage money around the world.. .
TagPay has developed the next-generation Core Banking System. Real-time, agile, cloud-based, mobile-centric, the Digital Banking System by TagPay powers innovative and highly adaptable financial services in 25 countries (Europe, Africa and Latin America).
The TagPay Digital Banking System enables the development of the best digital banks, neobanks, EMIs, payment establishment, mobile financial services implemented by international or local banks, microfinance organizations, NGOs, MNOs and FinServs. TagPay is omnichannel and ubiquitous.
End-users can receive their salaries on their mobile, ask for a loan in real-time, pay bills from their banking app, transfer money (nationally and internationally), pay at a point of sale, renew their subscriptions, top-up their phones, and access many other financial services TagPay’s clients are offering and launching for them. Thanks to the agility of the DBS by TagPay, any new offer can be developed in less than a month..
Bitstamp owns and operates a digital currency marketplace that allows companies and individuals from all around the world to buy and sell bitcoin, litecoin, ethereum, ripple, and bitcoin cash. Damijan Merlak and Nejc Kodric founded Bitstamp in 2011.
It has its headquarters in London in the United Kingdom with additional offices in Luxembourg and Berkeley in California.. .
Upvest empowers financial institutions to offer investment products in their app with a modular, scalable, and accessible API. Upvest brings together everything that’s required to offer a broad range of investment products on the website and app.
They are connected to the world’s leading asset providers and exchanges to provide the best investments, at the best prices and execution speed.. .
The next-generation credit platform that’s redefining business borrowing for the “Missing Middle” – the growth businesses who are the backbones of communities and economies globally but who have been in banking’s blind spot for decades. The platform leverages machine learning, decades of credit expertise and massive data sets (including unconventional and previously unavailable data) to model a forward-looking view of a borrower’s financial situation, that’s informed by industry benchmarks, macroeconomic drivers, and scenario analysis specific to that business.
It currently has over $17bn of assets under service. What this means for OakNorth’s commercial banking clients: • The way borrowing should be – loans that are customised for the borrower’s individual needs and completed in days or weeks vs months, leading to accelerated revenue and business growth • More attractive economics & scaled growth – origination and credit teams who can transact several times more deals per year • Insight and foresight without the noise – larger data sets and deeper analysis enable more informed credit decisions and proactive portfolio monitoring delivers better credit outcomes Since its inception, OakNorth has secured over $1bn from leading investors, including: Clermont Group, Coltrane, EDBI of Singapore, GIC, Indiabulls, NIBC, Toscafund, and SoftBank.
Rishi Khosla and Joel Perlman founded OakNorth in 2015 to address the challenges they faced in securing debt finance from high street banks for their previous business, Copal Amba (which scaled to c.3,000 employees and was acquired by Moody’s Corporation in 2014).. .
InvestSuite helps financial institutions modernize & extend their wealth management product range with our suite of white-label solutions. We are a pure B2B fintech with a team of seasoned experts who operate across AI/machine learning, design, human insights and wealth management.
We believe the combination of changing customer expectations, technological evolutions and the emerging new ecosystem of financial institutions, fintechs, core banking platform providers and others is creating enormous growth opportunities.. .
Modulr is a fintech company that provides Payments as a Service API for digital businesses.. It enables users to automate payment flows, embed payments into the platform, and build new payment products and services themselves from a single API.
Modulr has direct access to the Bank of England and claims to facilitate a fast experience that digital customers demand. The company was founded in 2015 and is headquartered in London, England..
NetGuardians is a leading software company recognized for its innovative solutions to keep operational risk under control. Using smart behavioral analysis methods, they have designed technology that quickly identifies atypical activity, effectively controls data leaks, and alerts you to potential internal fraud.
Bundled for the banking sector, their solution can also be easily configured for any field of activity.. .
Zego is a commercial auto and ‘New Mobility’ insurance provider, powering opportunities for modern business by saving time and money. The problem with traditional insurance is that it holds businesses back but they have to have it.
It’s time consuming and too expensive. Both limit the opportunity for businesses to reach their full potential..
Satispay is a fintech company that provides a bank account enabled mobile payment platform. The consumer app is available for anybody with a bank account, while merchants both online and offline can accept payments using any kind of device and POS.
Satispay is able to process all payments with a structural cost advantage by connecting directly to the consumer and merchant bank accounts. As a result, consumers can pay friends and stores without any charges while merchants can finally accept payments with a cost-effective, convenient, and easy-to-use solution.
The company was founded in 2013 and is headquartered in Milan, Lombardy.. .
Zopa is a P2P money lending service that allows lenders and borrowers to deal directly with one another, cutting out the banks who act as middlemen. Zopa works in the following way: the company first categorizes borrower credit grades with an A*, A, B, C or Y rating; then lenders make offers that vary by money amount and time period for persons with a certain credit grade, and borrowers can then agree the aggregate offered rate.
Zopa takes on such responsibilities as distributing money between parties, completing the legal paperwork, performing borrower identity/credit checks, and employing a collections agency that chases missed payments for the lender. Zopa also mitigates risk for lenders by enforcing monthly direct debit repayment, making borrowers sign a legal contract, and allowing lenders to lend small chunks of money to individual borrowers (i.e.
someone lending Â£1000 would have their money spread across say, 100 borrowers). The company itself makes money by charging a fixed fee for borrowers and a 1% annual fee for lenders.
Zopa has received public acclaim as well, having been awarded CNET Technology Awards’ 2006 Internet Innovation of the Year, the 2007 Webby Award for Best Banking/Bill-Paying Website, the 2008 Webby Award for Financial Services, the Banker 2007 Award for Best Internet Project and Moneywise 2009 Awards for Best Customer Service and Best Personal Loan. One of the three initial members of the UK’s Peer-to-Peer Finance Association, together with FundingCircle and RateSetter.
Other P2P lending services include [Lending Club](http://www.crunchbase.com/organization/LendingClub), [Prosper](http://www.crunchbase.com/organization/Prosper), and [Kiva](http://www.crunchbase.com/organization/Kiva).. .
Founded in 1985, Swiss-based Avaloq is a global leader in digital banking solutions, core banking software and wealth management technology. It provides powerful cloud computing solutions for banks and wealth managers through business process as a service (BPaaS) and software as a service (SaaS). More than 150 banks and wealth managers with around CHF 4.5 trillion in assets managed worldwide trust Avaloq for its award-winning products and services. Avaloq is a subsidiary of NEC Corporation, a global leader in the integration of IT and network technologies. The company is headquartered in Zurich and employs more than 2,000 people around the world. www.avaloq.com
Taxdoo is a startup that bills itself as a compliance platform for the digital economy. Its platform collects relevant data from marketplaces, online shops, and ERP systems on a daily basis and processes it in line with international VAT regulations, respective of financial authorities through an international network of VAT experts, which can then be transferred into financial accounting systems.
The company was founded in 2016 and is headquartered in Hamburg, Germany.. .
ComplyAdvantage offers AI-driven financial crime risk data and detection technology. ComplyAdvantage’s aim is to neutralize the risk of money laundering, terrorist financing, corruption, and other financial crime.
More than 500 enterprises in 75 countries rely on ComplyAdvantage to understand the risk of who they’re doing business with through the world’s only global, real-time database of people and companies. The company actively identifies tens of thousands of risk events from millions of structured and unstructured data points every single day..
Veriff is an online identity verification company that protects businesses and their customers from online identity fraud. It is the highly-automated identity verification platform connecting companies with honest customers.
Veriff makes it easy to connect with people to trust. With the combined forces of machine learning and eagle-eyed specialists, Veriff is always two steps ahead of digital fraud.
AI speeds up sessions with immediate feedback, while manual checks by their verification gurus nip risks in the bud. Veriff was founded in 2015 and is headquartered in Tallinn, Estonia..
Ebury is a financial services company designed to empower small and medium-sized businesses that want to trade internationally. With Ebury’s integrated financial services and technology, small and mid-size companies can make and receive payments in foreign currencies, enjoy better exchange rates, use emerging-market currencies, hedge currency risk, benefit from liquidity, and finance transactions in more than 100 currencies, easily with a managed service.
In addition, its white-label products are offered via brokers and accountants. Ebury is a growing financial services companies, employing more than 170 people across offices in London, Madrid, and Amsterdam.
Its clients include more than 3,000 mid-size companies. It is regulated by the Financial Conduct Authority..
Nutmeg is changing the way people manage their money. Specializing in investments, ISAs and pensions, Nutmeg’s online investment management service is intelligent, straightforward and fair.
It is the first wealth manager with a 6 year performance track record in the UK. Founded in 2011, the company is based in London, UK..
Crowdcube is an equity crowdfunding platform for entrepreneurs of start-ups and growing businesses. Crowdcube enables individuals to invest or loan in small companies in return for equity or an annual return.
As an investment crowdfunding platform, Crowdcube enables entrepreneurs to raise finance with the added benefit of being backed by the crowd. For investors, Crowdcube provides a way to handpick a stake in an innovative business that traditionally would have been restricted to corporate investors.
Since Crowdcube first pioneered equity crowdfunding in 2011, a total of £300m has been invested through the platform from a crowd of over 390,000 investors, with more than £230m successfully invested in 520 raises. Businesses like the challenger bank Monzo, which raised £1 million in a record-breaking 96 seconds, as well as household brand names such as River Cottage and the Eden Project along with venture capital-backed businesses such as JustPark, eMoov and Sugru have all successfully raised growth funding from the crowd..
Eurazeo is a private equity firm that offers investment services to SMEs in Europe, Asia, and America. With its expertise in private equity, real estate, and private debt, the group supports companies of all sizes in their development commitment through the commitment of its 235 professionals.
It provides companies with the necessary investments needed to realize their growth potential. The firm was founded in 1969 and is based in Paris, France..
MarketFinance is a business finance company with offices in London and Manchester. The online platform enables businesses to access a range of flexible finance solutions — quickly and easily.
This smart technology is backed by help from real people so business owners can save time and focus on growing their business. Since 2011, MarketFinance has advanced over £2.6 billion to companies across a range of sizes and sectors, providing working capital and finance for everything from paying staff and suppliers to launching new products or services and accelerating growth.
MarketFinance is backed by Barclays, Santander InnoVentures, European venture capital fund Northzone (invested in Klarna, iZettle, and Trustpilot), private equity group MCI Capital (also invested in iZettle, Azimo, and Gett), and Viola Credit.. .
Bitpanda is a leading European neobroker on a mission to democratize the complex world of investing. Founded in 2014 by Eric Demuth, Paul Klanschek and Christian Trummer, the company is a firm believer in transparency and making it as easy as possible for everyone to start investing.
Bitpanda removes complicated financial barriers by harnessing the innovative power of digitised assets and blockchain technology. With low fees, 24/7 trading and real-time settlement, Bitpanda empowers users to shape their financial futures – on their own terms..
The idea of Qonto was born out of frustration: as Alex and Steve were building their first company together (Smok.io – acquired in 2015), they got very frustrated with their own banking experience. Dealing with their finances was time-consuming, complex, and forced them to use outdated tools.The two founders decided to scratch their own itch.
In 2017, they started to work on Qonto, the bank they would have loved to use as entrepreneurs. Two years later, 50,000 business customers now trust Qonto with their finances, a clear sign that SMEs have been neglected for too long and that traditional institutions have failed to propose a banking experience that fits the needs of entrepreneurs.
The ambition is now very clear: building the bank all European businesses love.. .
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..
Featurespace is the world-leader in Adaptive Behavioural Analytics and creator of the ARIC™ platform, a machine learning software system developed out of the University of Cambridge. The ARIC™ platform uses anomaly detection to analyse complex behavioural data in real time, spotting anomalies to block new fraud attacks as they occur.
At the same time, Featurespace recognises genuine customers without blocking their activity. ARIC™ reduces the number of genuine transactions incorrectly identified as fraud by over 70%, enabling businesses to accept more revenue.
Head quartered in Cambridge, UK, and Atlanta, GA, U.S. Featurespace has deployed the ARIC™ platform to organisations that have services or products deployed in over 180 countries.
Customers include Betfair, Vocalink/Zapp, Worldpay, and TSYS, the largest third-party processor of Visa® and MasterCard® credit cards in the U.S.. .
Klarna is an eCommerce payment solutions platform for merchants and shoppers. The platform gives customers the freedom to choose how and when to pay.
They also offer direct payments, pay after delivery options, and installment plans. Klarna is a regulated bank known for its “buy now, pay later” model that offers shoppers interest-free financing on retail purchases over a period of installments.
Klarna was founded in 2005 in Stockholm, Sweden by Sebastian Siemiatkowski, Niklas Adalberth, and Victor Jacobsson.. .
PaySend is a financial technology platform that solves the universal problem to securely enable any bank card (Visa or MasterCard) to send and receive money worldwide. It is a next generation money transfer platform allowing its users to send funds from card to card from 40 to over 60 countries.
PaySend is a trading name of PaySend plc, registered in Scotland, United Kingdom. Company number 376020.
Founded in 2015, the company is headquartered in London, England, United Kingdom.. .
Atom Bank is a mobile banking application that offers a range of personal and business banking products. Users can log in using face and voice recognition and receive support from a 24/7 customer service team.
The application, available on iPad and iPhone devices, was launched in March 2014 and its operations are based in Durham, the United Kingdom.. .
APIBank is an open banking platform for creating digital ecosystems and the interaction of banks with fintech and non-financial companies. The platform is used to create embedded financial instruments that are complex, hybrid banking products.
It standardizes the data exchange process between banks and non-financial companies. The platform is a “one window” through which a bank can work with different companies, as well as companies cooperate with different banks through a single interface.
APIBank was founded in 2018 and is based in Moscow, Russia.. .
Form3 delivers cloud-based connectivity, payment processing, clearing and settlement services. It is a fully managed payment technology service combining a powerful AWS cloud processing platform, multiple-scheme payment gateways and a fully managed 24×7 service model.
Form3’s powerful micro-services architecture and API’s provide a single point of simple access to the full universe of payment schemes. Its clients include a wide range of regulated financial institutions, including leading banks, non-bank financial institutions, and fintech companies (payment institutions, e-money providers, and pre-paid card providers).
Form3 was founded in 2016 and is based in London, England.. .
Bancor Protocol™ is a standard for the creation of Smart Tokens™, cryptocurrencies with built-in convertibility directly through their smart contracts. Bancor utilizes an innovative token “Connector” method to enable formulaic price calculation and continuous liquidity for all compliant tokens, without needing to match two parties in an exchange.
Smart Tokens™ interconnect to form token liquidity networks, allowing user-generated cryptocurrencies to thrive. For more information, please visit the website and read the Bancor Protocol™ Whitepaper..
Trade Republic is a mobile-only and commission-free broker that brings the opportunity to invest easily. The company works as a broker for a new generation for a more mobile, more intuitive, faster – and permanently free of commission.
Trade Republic was founded in 2015 and based in Berlin, Germany.. .
Bitwala offers a banking experience that combines fully protected bank accounts with access to cryptocurrencies, digital assets, and blockchain-based finance. With the firm’s blockchain technology platform, customers can invest in cryptocurrency directly from a bank account and earn up to a 4% annual return on Bitcoin.
Through secure technology, Bitwala empowers customers to benefit from new financial technology by being the bridge between the old and new financial system. Backers of Bitwala includes Earlybird Venture Capital, coparion, Global Brain and Sony Financial Ventures, NKB Group, High Tech Gründerfonds, ALSTIN, and the Digital Currency Group.
In 2015, co-founders Jörg von Minckwitz, Jan Goslicki, and Benjamin P. Jones headquartered Bitwala in Berlin, Berlin, Germany..
Wirex is a digital payment platform that aims to make crypto and traditional currencies equal and accessible to everyone. It makes fintech simple.
Its mobile app and Wirex card allows its users to buy, store, exchange, and spend a wide variety of conventional and digital currencies quickly and securely, with no hidden fees and zero fuss. It was founded in 2014 and is based in London, England..
Thought Machine is a Fintech company that builds cloud-native technology to revolutionize core banking. Its mission is to cure one of the banking industry’s primary problems: its reliance on outdated IT infrastructure.
Nearly every bank is stuck on a legacy IT platform, which cripples their ability to innovate and give their customers the type of service they deserve. The company provides a solution to this is Vault: a complete retail banking platform that is capable of being configured easily to suit the needs of any bank.
They have built Vault from the ground up as a cloud-native, microservice API architecture platform. Thought Machine has a deep culture of engineering excellence, and they believe it is this which delivers a solution compelling enough to engender a seismic shift in the banking industry..
Spendesk is smart to spend management software designed for both finance teams and employees. With flexible payments, approvals, automated receipt capture, and real-time spend insights, finance can decentralize operational spending across the business without any loss of control or visibility.
Employees benefit from streamlined expense and invoice management through the Spendesk website and app. Their tool helps companies save time on spend management.
They empower finance teams with visibility across the entire spending process and wow employees with a streamlined experience for all spending at work. The company was established in 2016 and is based in Paris, France..
bunq is the Bank of The Free. A totally independent bank that makes life easy.
No branch visits, no queues, no paperwork, just immediate access from a mobile device. Users can share bank accounts with whomever they want and pay with worldwide Maestro and Mastercards wherever they go.
bunq was founded in 2012 by Ali Niknam (1981), who managed to get the first European banking permit in over 35 years. He set out to radically change the traditional banking industry and, as its sole investor, invested €44.9m in bunq.
bunq’s latest publicly available number of user deposits is €211,152,900, based on the deposits in December 2018. Over 2018 the total amount of user deposits doubled and is increasing every day.
Over 2018 the total amount of user deposits doubled and is increasing every day.. .
Mollie is a payments platform that offers an easy-to-implement process for integrating payments into a site or app. It is a technology-based company processing payments for more than 50.000 clients with local payment methods such as Mastercard, VISA, Amex, PayPal, iDEAL, Bancontact, Bitcoin, SEPA Direct Debit, Cartes Bancaires, ESP, Giropay, SOFORT Banking, and more.
Mollie aims to make online payment simple for merchants by taking away the complexity from payment methods and offering a simple, but powerful API. Mollie has a strong focus on technology, innovation, and reliability.
The company was founded in 2004 and based in Amsterdam, Noord-Holland, The Netherlands.. .
LATOKEN is a platform for assets tokenization and trading that focuses on liquidity for new tokens. It has recently entered CoinMarketCap’s Top 50 by trading volume.
Our mission is to make capital markets and trading available 24/7 T+0, with a broader range of asset classes. We aim to facilitate capital reallocation into promising businesses, which will foster job creation via higher productivity.
Major crypto pairs and ICO tokens are already available for trading on our exchange. Now we’re working on acquiring all the necessary licenses for launching a full-scale trading of asset tokens.
Key features of LATOKEN Exchange: ✅ Top 50 by daily trading volume ✅ 110+ crypto pairs available for trading ✅ Access to Token Sales at presale and crowdsale stages ✅ 80,000+ registered traders ✅ Low trading and withdrawal fees ✅ Instant exchange (LA DIRECT) ✅ Crypto/fiat gateway ✅ New trading pairs added every week ✍️ Looking for a job? Check our current job openings here or send us your CV at [email protected] .
Iwoca provides small business credit finance services in the United Kingdom. It offers finance for businesses for various purposes ranging from bridging short-term cashflow gaps to investing in stock opportunities.
It serves retailers, restaurants, hotels, service providers, and more. Christoph Rieche and James Dear founded iwoca on October 1, 2011.
iwoca’s headquarters is located in London in the United Kingdom.. .
Unnax enables businesses to access financial-related data from customers in a simple and secure way. The company offers a range of products that help solve common business problems and provides improved customer experiences through modern payment solutions, rich financial data, and intelligent risk and identity tools.
Its clients range from large companies to small businesses and consumers. Unnax is headquartered in Barcelona, Spain..
TransferGo is a global money transfer company that supports migrant workers to send money back to their relatives without paying unnecessary bank fees. Through the company, migrants have the ability to transfer money overseas with the help of a digital account-to-account business model.
As it is a licensed and authorized payment institution controlled by the FCA under the supervision of HMRC, the company is considered as a secure way of transferring money. Since it removes the costs of international transfers, TransferGo is a fit for businesses to pay their suppliers.
It charges a fixed fee for transferring money as well as a 0.6% to 1.5% fee for the currency conversion per transaction.. .
PrimaryBid is a technology platform that allows everyday investors fair access to public companies raising capital. PrimaryBid always ensures that retail investors transact at the same time and at the same price as institutional investors.
Through PrimaryBid’s long-term agreement with the London Stock Exchange, the company has created the infrastructure to seamlessly connect everyday investors with public companies when it matters most.. .
Stocard’s mission is to become the #1 mobile wallet in the Western world by making the daily shopping experience easy, engaging and rewarding for it’s more than 50 million users. By turning shopper’s phones into their wallet, they’ve simplified the way users are rewarded at their favorite stores and are adding an easy way for their users to get access to financial services on the platform.
To date several billion transactions at the point of sale have been facilitiated through Stocard.. .
Modularbank is a cloud-native banking platform that allows to establish a new banking business or digitally transform an existing one. The platform builds next-generation banking experiences both in the retail and business banking landscape.
Its API based banking platform follows the microservice architecture and is composed of flexible and independent modules that cover end-to-end everyday banking processes. Modularbank also offers sophisticated and flexible modular-based banking not just to existing banks and challenger banks, but to any business wishing to quickly roll out tailored financial services to their customers.
It was founded in 2018 and is based in Tallinn, Estonia.. .
Nebeus is a fintech platform on a mission to bridge the gap between crypto and cash with instant crypto-backed loans and financial services. To achieve this, Nebeus offers a host of secure and compliant solutions allowing customers to borrow, earn, send, and receive cash and crypto with full security.
Nebeus was founded in 2014 in England and has transacted over £30 Million to date, operating primarily in the UK and Europe. Seamlessly and within minutes, customers can start earning using their crypto investments and get instant crypto-backed loans.
Customers can send cash to more than 150 countries through Nebeus’s payment channels, VISA, and Mastercard integrations; transfer & deposit money at more than 230,000 retail locations & post offices; and much more. Nebeus is the smart way to borrow, earn, and spend in the digital age, helping thousands of customers put their digital assets to everyday use..
Mintos is opening the market to loans as a new asset class – at scale. With Mintos, the next generation of individual investors can start small and find a diversified supply of loans to invest in.
The company works to make investing in loans as common as investing in stocks, ETFs, real estate, or any other major asset class. By rethinking how money flows across borders from those who want to save and invest to those who want to borrow, Mintos is revolutionizing financial services and contributing to financial inclusion on a global scale..
Raisin is a savings and investment marketplace that connects retail customers with banks looking to expand deposit reach. The company’s goal is to provide savers the best interest rates.
The company gives access to exclusive savings products from all over Europe. Raisin assures a smooth investment process and the simple management of investments with all of the partner banks via one single platform.
Raisin was founded on 2012 and is headquartered in Berlin, Germany.. .
Scalable Capital is a digital investment service founded in 2014, with offices in Munich and London. It uses proprietary software to offer portfolios which are dynamically optimised with a primary focus on risk management.
State-of-the-art technology enables the company to offer a first class investment service, previously only available to large institutional investors, to individuals at a fraction of the cost. The company is funded by major VCs including Holtzbrinck Ventures, Monk’s Hill Ventures, German Startup Group and other prominent angel investors..
Monese is a digital banking alternative that provides mobile-only, multi-currency accounts in 31 countries across the European Economic Area, for those who are underserved by the traditional banking system. It was launched in 2015 by Norris Koppel, after his first-hand experience of the hassle involved with opening a bank account in a new country.
With a fully-featured and fully localised banking experience (both its apps and its customer service are available in 14 languages), Monese allows people and businesses to spend and save like locals across Europe. Its proprietary “Know Your Customer” technology can validate a customer’s identity in real-time, allowing accounts to be opened in a matter of minutes, from a mobile app..
Griffin is a new bank-as-a-platform, providing client money accounts and payments for fintech and other money service businesses. The company is currently seeking regulatory approval from the PRA and FCA to become the UK’s first platform bank.
It was founded in 2017 and based in London, England.. .
wefox Group is an insurtech company in Europe. It operates two businesses: wefox and ONE.
wefox is the first service platform for all your insurance needs, which enables you to easily access all your insurance contracts at any time from anywhere and request and enter into new contracts or quit the old ones with just one click. All services are available online and you can choose your personal assistant by yourself, who supports you if wanted or needed – vendor-neutral.
they offer that all-around service web-based or as an app – for free! ONE is the first digital insurance carrier in Europe fully integrated into the wefox wallet.. .
Proportunity is a technology-driven mortgage lender. The company pushes the edge on real estate data-driven investment insights.
It uses machine learning to accurately forecast house prices and up-and-coming areas, providing loans to buyers looking to purchase homes in forecasted high-growing areas. Vadim Toader and Stefan Boronea started Proportunity in 2016, which is headquartered in London, England..
Cashaa is a neo-bank providing services to hundreds of businesses from the crypto industry. We are on a mission to become a first choice “better than the bank” for the next generation of business and individuals who are dealing in cryptocurrencies.
Our partners include Paysafe Group and many other financial institutions regulated by the FCA, Central Bank of Lithuania, and Colorado Division of Banking.. .
Wagestream is a financial services firm that allows employees to stream their earned wages into their accounts through an instant app. The app allows them to have complete control over when they get paid.
It also effectively ends the need for employee advances, loans, and employee stress suffered from short term, unplanned financial obligations. The company aims to play a key role in reducing the poverty premium and prevent employees from entering cycles of debt caused by overdraft fees, high-interest credit, or payday loans.
Peter Briffett and Portman Wills was founded in 2018 and is based in London, England. It is backed by QED, Fair by Design, London Co-Investment Fund, and Village Global..
Soldo integrates prepaid Mastercard® cards, a web-based administration console and a mobile app into one intuitive future-ready platform. Soldo was founded by a group of tech veterans and payment pioneers who refused to accept the inefficient and fragmented state of business spending in the 21st century.
With decades of experience in payment services and transactional system development, the team didn’t just slap a brand on an ‘easy’ solution or quick-fix. Instead, they invested heavily in the creation – from scratch – of a world-class technological, regulatory and operational platform.
Soldo’s rock-solid innovation and talented team has attracted in excess of $80 million, in Seed, Series A and Series B funding. Our investors include Accel Partners, Dawn Capital, Battery Ventures, Connect Ventures, InReach Ventures, U-Start and R204 Partners..
Coinrule empowers traders to compete with professional algorithmic traders and hedge funds. It is a smart assistant for cryptocurrency trading, allowing you to take full control of your trading while being able to fight back hedge funds and automated bots.
It is simple and with no coding skills required. It was founded in 2017 and is headquartered in London, England..
Bnext is a fintech platform headquartered in Madrid, Spain. Bnext is the first supermarket for financial products, it reflects a new way of banking that challenges traditional banking from its foundations.
With Bnext users can do almost everything they do with a bank, without having to use a bank. It allows them to create their own current account in a matter of minutes, with nearly all the functionalities of an account in a traditional entity.
Additionally, users can include their external accounts and hence have all their financial information on a single platform, regardless of the provider. However, the real innovation in Bnext lies on its Marketplace.
Here, users have access to a wide range of financial products from fintechs and banks. The offering suplliers are meticulously selected in order to best fit the client’s needs.
On the platform, the user can scan through all different products, purchase them and control his acquisitions, all without ever leaving the app. Instead of charging the customer endless commissions and trying to sell as many products as possible, Bnext has developed a model that allows to really collaborate with the fintechs and get the best available offers on the market.
The fintech portfolio to date includes real estate investment firms, mutual fund investment, loans and crowdlending, microloans or crowdfunding. Bnext is progressively integrating the most leading products in the market to expand the offer and thus become the first bank without balance..
Reformers at heart, Greensill challenges the status quo by working to make global finance fairer and levelling the playing field for all businesses and people alike. The company unlocks capital so the world can put it to work.
Founded in 2011, Greensill is headquartered in London with offices in New York, Frankfurt, Chicago, Miami, Singapore, Sao Paulo, Mexico City, Johannesburg, Sydney, Warrington and Bundaberg. Greensill provides innovative financing solutions to customers across Europe, North America, Latin America, Middle East, Africa, and Asia – injecting more than $150 billion of financing in 2019 to more than 8 million customers and suppliers across more than 175 countries..
Bought By Many
Bought By Many is the multi-award-winning pet insurance provider that is disrupting insurance distribution. They do this by analysing anonymised internet search data and customer research to identify unmet consumer needs for insurance.
Key company milestones are as follows: o 2012: Launched boughtbymany.com. Completed seed funding round.
o 2013: Named Insurance Website of the Year. o 2014: Identified by Boston Consulting Group & Morgan Stanley as the global exemplar of innovation in insurance distribution.
Awarded Best Use of Mobile Technology at the Digital Insurance Awards. o 2015: Surpassed 100,000 members.
Launched SaaS platform in China in partnership with Ping An Insurance. Completed second funding round.
Became directly regulated by the FCA. Acquired Brooks Braithwaite (Sussex) Ltd – the UK’s leading provider of insurance for exotic pets and pet businesses.
Paga is a mobile payment company. We are building an ecosystem to enable people to digitally send and receive money, and creating simple financial access for everyone.
Our mission is to make it simple for one billion people to access and use money. Our first market is Nigeria where Paga is the leading mobile payment company..
BIMA is an insurtech player using mobile technology to provide insurance and health services to emerging markets. To serve its customers, the company has developed a proprietary technology platform, established exclusive partnerships with mobile operators, and built relationships with international insurers.
BIMA utilizes its technology platform to serve customers in 13 countries across Asia, Africa, and Latin America and has reached to date 31 million subscribers.. .
BRD designs, develops, and markets financial software. It offers a platform that delivers crypto purchasing, commercial register, credit rating information, management, figures, contact and news, trading, and merchant services.
BRD serves customers worldwide. Aaron Voisine and Adam Traidman founded it in 2015, with its headquarters in Zurich in Switzerland..
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