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

Mambu

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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.. .

Tink

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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

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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.. .

Pennylane

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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.. .

N26

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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

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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..

Solarisbank

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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.. .

iZettle

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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. .

Clark

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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”.. .

TagPay

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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..

Upvest

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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.. .

InvestSuite

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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.. .

Satispay

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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.. .

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.

Taxdoo

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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.. .

Veriff

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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..

Eurazeo

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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..

Bitpanda

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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..

Qonto

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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

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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..

Klarna

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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.. .

ANYTIME

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New modern banking services for personal and business use

Lendify

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Lendify is Sweden’s largest bank challenger taking market shares from traditional banks.

Trade Republic

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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

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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..

Spendesk

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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

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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

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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.. .

Unnax

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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..

Stocard

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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

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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.. .

Mintos

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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

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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

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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..

wefox

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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.. .

Bitfury Group

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Bitfury is the leading full service bitcoin and blockchain technology company.

Bnext

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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..

BUX

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BUX makes it easy and affordable for people to engage in the financial markets through mobile platforms for commission-free stock investing and CFD trading. People can buy shares without the fees, whether the user is a stock market veteran or just starting out, users will enjoy the simplicity and the seamless experience.

BUX was founded on 2014 and is headquartered in Amsterdam.. .

October

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October mission is to empower businesses to thrive by simplifying and democratizing their funding. October was born in France at the end of 2014, under the name Lendix, thanks to a new regulation opening up the banking monopoly.

Today we operate as a pan-European lending platform with offices in France, Spain, Italy and the Netherlands.. .

Deposit Solutions

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Deposit Solutions is provider of the open banking platform for deposits connecting banks and depositors.

ReceiptHero

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ReceiptHero API platform delivers receipts from merchants to your banking apps

Payaut

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Payaut is an automated payment solution for online marketplaces. Payaut provides a PSD2-compliance and automation of the payment process.

The solution helps online businesses that are part of the payment flow to easily comply with the new PSD2 regulations, while still able to use multiple Payment Service Providers (PSP’s).. .

Binance

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Binance is a cryptocurrency exchange platform that combines digital technology and finance.

Banco Bilbao Vizcaya Argentaria

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Banco Bilbao Vizcaya Argentaria SA (BBVA) is a Spain-based international financial group. The Company’s activities are focused in such business units as banking, pension and insurance in Spain and Portugal, Mexico and South America.

BBV and Argentaria announced their planned merger on 19th October 1999. The goal was to continue creating value.

The new bank (BBVA) had the advantages of significant size, a strong capital base, a considerable financial structure and appropriate geographic diversification of its business and risks. As a result there was a greater profit potential.

In the USA and Puerto Rico, the Bank only comprises banking business. In addition, The Company has two cross-sectorial business units, Corporate and Investment Banking and Global Retail & Business Banking, which includes retail banking, commercial and small and medium enterprises (SMEs) banking, payment systems, consumer finance and private banking, among others.

BBVA is a parent company of Grupo Banco Bilbao Vizcaya Argentaria, which comprises such entities as BBVA Banco Frances SA and BBVA International Limited, among others. In December 2013, the Company sold of the entirety of its about 98.92% direct and indirect interest in Banco Bilbao Vizcaya Argentaria (Panama) SA (BBVA Panama) to Leasing Bogota SA, Panama..

Younited Credit

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Younited Credit is a provider of an online platform to facilitate financial transactions between lenders and borrowers.

Silverfin

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Silverfin is the cloud platform that makes accountants successful. It improves the efficiency, competitiveness and profitability of compliance services, and powers the development and delivery of advisory services.

Silverfin takes financial data directly from client systems and hosts it securely in a single cloud Structured Data Hub. Templates then standardise, and automate, accounting workflows and use the data hub to make compliance easy, fast, and accurate..

Moonfare

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Moonfare is a technology-enabled platform allowing individuals to invest in top-tier private market investment opportunities at low minimums and fees. Technology aggregates demand and creates a hassle-free investment experience with improved liquidity and the ability to cherry-pick investments.

Moonfare is built by a highly experienced international team of talented professionals from leading technology and investment companies including Google, Blackrock, N26, KKR, Apax Partners, and J.P. Morgan.

The company is backed by 125+ CEOs, leading investment professionals and industry veterans that have previously worked at companies such as Accel Partners, Goldman Sachs, Permira, Allianz Capital Partners and KKR.. .

Mitigram

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Mitigram is the world’s largest marketplace for Trade Finance, currently facilitating more than $2.5Bn worth of transactions per month and having spearheaded over $55Bn transactions, across over 1,000 issuers across more than 100 countries. Mitigram supports network creation and expansion for corporates and financial institutions; comprehensive automated quotation workflows; audit trail, analytics on asset pricing and activity data across multiple trade finance instruments.

The Mitigram system is hosted in a secure, redundant server and infrastructure environment, using industry standard protective measures (ISO 27001) to ensure confidentiality and availability of your data at all times. Founded in 2015 in Sweden, Mitigram has been present in Asia with the Singapore office since 2020.

Mitigram has closed a Series B round of funding in mid 2019 with SEK 100,000,000. Diversity is embraced at Mitigram as Founder, CEO, and CFO are all female..

Companisto

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Companisto is an equity crowdinvesting platform for startups. It enables investors to participate in the funding of companies with an investment of their choice, and in return share profits and increases in value of the startup or property.

Companisto is the investment platform for startups and growth companies. Business angels and investors participate in groundbreaking innovations, promising companies, and ideas that write history through venture capital.

As a fintech company, they stand for lean processes, specialized knowledge, and efficient solutions. They are the driver of innovation in the field of professional online corporate finance.

In a diverse society, they assume responsibility for the founding culture in Germany and Europe.. .

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..

Trustly

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One hundred years ago, cash was king. People got paid in cash, carried it in their wallets, and bought things with it at the local store.

Payment was easy. Oh, how the times have changed! Today, our salaries are deposited straight into our bank accounts and we shop online, from merchants all around the world.

So why is it so hard to pay straight from our bank accounts? Debit and credit cards have made payments easier in the physical world, but they haven’t kept pace with our changing online behaviors. Not to mention, the risk of fraud is growing by the day.

We envision a world in which paying online is fast, simple and secure for everyone — merchants, consumers and banks alike. Today, we support thousands of banks across Europe and the US and our payment solutions attract global merchants in four main segments: e-commerce, travel, financial services and online gaming.

At Trustly, we work hard to make online payments easy.. .

simplesurance

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Simplesurance develops innovative cross-selling solutions for e-commerce shops to combine traditional insurance industries with fast-paced digital business. Simplesurance’s solution enables e-tailors to cross-sell product insurances within but not only the checkout processes and even before.

Therewith online-shops are able to monetize customers twice in one process and gain additional margins and profit. More than 2,000 partners including many well-known e-commerce platforms and mobile electronic manufacturers, use the innovative power and flexibility of the company’s cross-selling platform.

In addition, Simplesurance offers to all customers an innovative digital broker service to manage all of the insurances on smartphones, easy and completely paperless. Simplesurance was founded on 2012 and is headquartered in Berlin, Germany..

Coya

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Coya offers a new hope, by redesigning and extending the insurance value chain, working backward from the customers’ real-life needs. Coya will offer scalable protection at the point of need with an AI risk guardian and simple, transparent and personalized insurance cover.

Designed from the ground up to manage life’s risks and join their customer’s journey.. .

Zeitgold

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Zeitgold provices an app which combines human expertise with artificial intelligence to allow small companies such as owners of cafes, restaurants, small retailers or craft businesses (who ususally have 3 to 20 employees), to manage preparatory accounting and other administrative tasks and run their business easily. The app app covers all areas of a business’s finance processes.

In details, the system features: – a digital, real-time and compliant cash journal, – a tool to automate preparatory bookkeeping, – a document archive, – payments tools to manage open invoices, – tools to manage personnel master data and pay employees,. .

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.. .

Anyfin

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Anyfin puts a stop to overpriced financial products to save money on private loans by taking a photo. Launched in November 2017, and currently only available in its home country despite harbouring wider European ambitions, Anyfin wants to make it easier to competitively refinance or consolidate loans and credit cards, and therefore not get ripped off with high interest rates or compound interest.

It claims to do this with a combination of AI and publicly available consumer data, and with additional information garnered through talking a photo of existing loan statement, including repayment history. This, it says, gives Anyfin a more complete picture than a credit score alone, which is likely the main data point used by the original lender.

The only thing users need to do is to take a picture of the latest loan invoice and send the picture to Anyfin via FB Messenger or at the company website. Anyfin is headquartered in Stockholm, Sweden..

CrossLend

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CrossLend designs a cross-border marketplace lending platform that makes pan-European investments possible via a single platform.

Salv

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Salv is revolutionising the financial compliance sector with smart technology.

Monedo

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Monedo’s Group’s mission is to improve financial freedom for the underbanked with the use of technology. Combining non-traditional data sources and machine learning, the company is aiming to provide access to better credit and a higher convenience for digital banking services.

The product offerings include consumer loans, a digital wallet and a personal finance manager designed to help customers manage their credit score and plan their spending. Monedo also offers a “Lending as a Service” model, allowing partners to integrate Monedo’s credit products via an API into their own platform and services.

Founded in 2012 and headquartered in Hamburg, Germany, Monedo covers more than 5 markets worldwide, amongst others Russia, Mexico, Spain and Poland. Up until now, the company has processed more than four million loan applications through its subsidiaries.

Monedo’s team of more than 350 people is led by CEO and Co-Founder Alexander Graubner-Müller and is financially backed by world-class investors including PayU, J.C. Flowers, Peter Thiel, and the World Bank’s IFC..

fintonic

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Fintonic is a mobile-centric consumer banking platform that provides its users with insurance and investment products, and targeted loans. It offers an advanced access point for its users to enter all of their accounts as well as financial information to guide them through the analysis of millions of financial data points with relevant financial products.

Fintonic´s algorithm analyses the suitability of a user for a loan and presents the user with pre-approved loans that can be contracted with a click of a button. The application is currently available in Spain and Chile with over 250,000 users.

It was launched in 2012 and is based in Madrid, Spain.. .

Bit2Me

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Bit2Me is the leading blockchain services suite in Spain since 2014 and one of the first blockchain companies in the world. Proud creators of Bit2Me Academy, the largest blockchain academy in Spanish in our mission to promote the mass adoption.

We’ve already reached 21 services, +1M unique users, +100.000 clients, +100M euros invoiced, +250 physical points of sale. .

Verse

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Verse is the payments technology platform that takes the friction out of storing, spending and sharing money. The mobile app allows you to share payments easily, instantly and with no hidden fees and also allows you to choose whether your transactions are private or public so that you can have fun while keeping track of your financial activities.

Verse is available for both Android and iOS-based phones and transactions are completed in less than two business days. The company was founded in 2016 and is based in Barcelona, Spain..

Nordkap

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Nordkap is a cloud-based treasury platform. Nordkap doesn’t require local installation and in combination with its user-friendly interface, this creates a cost and time efficient process for handling debt management.

In the near future, Nordkap clients will be able to benchmark their financials and key ratios with comparable organizations.. .

FinLab

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FinLab is a Germany-based investment company engaged in the building of companies in the financial services technologies.

CANDIS

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CANDIS automates financial processes such as the collection of invoices, data capture, pre-accounting, and payments – for small and medium-sized companies through artificial intelligence. That enables companies and tax advisors to save time and have a better collaboration within finance teams.

To date, Candis serves thousands of customers and invests heavily in technology.. .

Finom

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Finom combines digital business account benefits with multiple services to provide financial solutions for entrepreneurs, self-employed, and freelancers. It pulls together accounting, financial management, and banking functions for early-stage businesses and SMEs into one mobile-first product.

Founded in 2019, Finom is headquartered in Amsterdam, The Netherlands.. .

Utrust

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We believe digital currencies are the money of tomorrow. Utrust helps merchants easily accept digital currencies for goods, and helps buyers pay with them.

One merchant at a time, we’re revolutionising how payments happen. For merchants, reaching a growing base of customers using digital currencies is easy: online or off.

Crypto cuts out the middleman and allows merchants to keep more of their profit margin. Getting an edge on competition is easy with our ready-to-be integrated API & plugins for major e-commerce platforms – and with the ability for our dev team to tailor it to your business.

Get all the advantages of payments with digital currencies while keeping business as usual. We’re adding more merchants everyday.

Don’t wait to bring the power of digital currency to your business.. .

Upflow

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Upflow is a software company building a payment platform for B2B businesses. The platform help companies manage their unpaid invoices and improve their cash collection by using the company’s SaaS-based payment platform.

In 2018, Alexandre Louisy, Barnaby Malet, and Thibaud Elziere established the company in Paris, Ile-de-France.. .

Lemon Way

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Lemon Way is a white-label B2B platform that offers payment processing, wallet management and third-party payment solutions for joint gifts, crowdfunding, e-commerce, carsharing, mobiles, and marketplaces. With a range of complementary regulation and management services to its name, the company enables its clients to follow real-time back-office operations, carry out documentation, and fight payment fraud.

Lemon Way also offers an API that can be integrated into a client’s current payment systems. Lemon Way is a Payment Institution dedicated to E-commerce websites, CrowdFunding platforms, Marketplaces and FinTech companies looking for payment processing, wallet management and third-party payment in a KYC/AML-regulated framework.

1,000 European marketplaces in addition to 11,0000 e-merchants use its service, generating a yearly cash flow of €1.4 Billion in 2017 The #1 French FinTech company: since its launch, Lemon Way has enjoyed positive word-of-mouth between start-ups. The result: 4.4 m customer payment accounts opened in four years and a turnover of €11m in 2017.

An independent Financial Institution: Lemon Way has been self-financing its growth since it was created in 2007, making it the only independent player in its market. Lemon Way is approved by the French regulator and is licensed to operate in 30 European countries.

The company employs 85 people based in Paris (HQ), London, Barcelona, Berlin, Turin and plans to recruit 40 more people this year.. .

Agicap

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Agicap develops and sells a SaaS platform for SMBs to manage and forecast their cash flows. Agicap allows business owners to build dynamic, reliable forecasts and have real-time visibility over their current and future cash position.

This data, which can be easily shared with banks, makes it easier for SMBs to access financing options and reduces the risk of bankruptcy.. .

Enfuce

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Enfuce offers payment, open banking and sustainability services to banks, fintechs, financial operators, and merchants. By combining industry expertise, compliance and innovative technology, they are delivering long term and scalable solutions fast and securely.

Established in 2016, Enfuce employs over 50 driven professionals in the Nordics and has close to 10 million end-users on their platform.. .

Spotcap

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Spotcap empowers SMEs with tailored finance, allowing them to focus on their business. The company operates as a direct lender to SMEs in the United Kingdom, the Netherlands, Spain, Australia and New Zealand where they offer promising businesses access to flexible finance.

Spotcap’s online application is straightforward and can be completed in as little as five minutes, either online or in collaboration with a financial advisor, broker or accountant. Spotcap was founded in 2014 and is headquartered in Berlin..

RightNow

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RightNow is a consumer factoring provider and one of the most successful German legaltech startups. With its products, RightNow buys consumer claims from everyday life situations and pays a large part of the reimbursement within only 24 hours.

The claims are assessed using specially developed algorithms and enforced in court through highly automated processes.. .

Crypterium

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Crypterium mobile app allows instant payments in cryptocurrency. Whatever you can do with your money, you can now do with your crypto.

kompany

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kompany is the RegTech platform for Global Business Verification and Business KYC providing the audit-proof, primary source, and time-stamped company information from 150+ jurisdictions in real-time. It is headquartered in Vienna, Austria, and has offices in Singapore and the UK.

Since being founded in 2012, kompany has attracted a unique pool of top developers, regulatory experts, and product managers from around the world. It is a government licensed clearing house and official distributor for commercial and business registers in multiple countries worldwide..

Viva Wallet

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Viva Wallet provides innovative acquiring and issuing services to businesses of any size, based on their individual needs. The company was founded in 2010 and has presence in the UK, Belgium, Romania, Greece, Cyprus.

It is an entirely cloud-based licensed e-money institution for the provision of payment services in the EEA-31 countries and Principal Member of MasterCard and Visa for issuing and acquiring and a partner to leading global companies, such as Microsoft, Alipay, and PAX.. .

Dreams

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Dreams is a Neo-bank that makes saving, spending and lending money easy, engaging, and social. Dreams is a personal trainer mobile application that makes saving money easy, engaging, and social.

It offers motivation and help its users need. Tha company is a savings app that makes big goals reachable through small steps.

The company is based in Stockholms Lan, Sweden and founded in 2013.. .

HappyPal

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HappyPal is changing the French employee benefit market ($20bn) replacing paper gift vouchers (o/w 20% expire before usage) with an innovative SaaS and fintech solution. HappyPal offers a new kind of credit card for all employee allowances (gift, culture, vacation, sport…).

« After experiencing first-hand the pain points of employee benefits management in France (hefty fees, unused allowances, poor user experience…), we are now driven by the belief that it is high time employees and admins had access to a modern plug & play solution to offer employee perks ». .

Ohpen

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Legacy out. Agility in.

It is the only way forward for the financial industry and the driving principle behind Ohpen: a ruthlessly effective, cloud-based core banking engine. Built by former retail bankers to administer retail investment and savings accounts, Ohpen liberates banks from their legacy systems and processes..

Shine.fr

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Shine is a mobile bank that provides an administrative and financial management platform for freelance workers. It offers freelancers a multitasking solution platform that combines online banking with contract and invoice management, streamlining administrative and financial tasks for those who work independently.

The company was established in year 2017 in Paris, France.. .

Finiata

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Finiata provides working capital financing for freelancers and SME’s over a fully automated data driven scoring technology.

Wawllet Enterprises Limited

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Wawllet creates a global network by integrating banks, cryptocurrency exchanges, commodity traders, and vaults. It is a one-stop service that enables customers to manage all their personal wealth and assets.

The multi-asset wallet enables users to manage all their assets from a single platform. The wallet will have different pockets for fiat, cryptocurrency, and commodities and to facilitate card payments online.

The platform would enable individuals to interact and conduct transactions with banks and financial service providers.. .

Pixpay

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In an increasingly cashless society, most teens have neither an online bank account nor a payment card. They can’t earn, spend or save digitally.

So, they built Pixpay: an awesome financial tool for the 10-18 yo with parental oversight.. .

PlasmaPay

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PlasmaPay is a global payment and remittance platform for people and digital business. Here you can securely store crypto and fiat currency, buy and exchange popular digital assets, make and receive payments, build your own payment network with zero-fee transactions.

Cryptocurrency has a strong opportunity to become stable and independent digital money for the global peer-to-peer economy. We believe in the potential of Cryptocurrency, Asset-Backed Tokens and Blockchain technology to have a significant, positive global economic impact.

Our mission is to create an open financial platform for the world to unlock the full potential of new blockchain technologies.. .

Exporo

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Exporo offers investors an overview of real estate projects in which they can invest easily, transparently and free of charge. The idea begins in 2013 with the realization that real estate project developers are increasingly looking for alternative sources of finance, as banks no longer finance entire projects as usual due to stricter regulation, and that private investors only have a lot of money, with good conditions and easy to invest in real estate.

The result of this observation is the firm decision to develop its own online marketplace to offer real estate projects as an investment opportunity and to provide capital directly between private investors and real estate companies. Simon Brunke, Björn Maronde, Tim Bütecke and Julian Oertzen founded the online platform in 2014, they are constantly evolving and they are board members of Exporo AG.

The company now employs more than 120 people and is based in Hamburg’s HafenCity.. .

VATBox

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VATBox has successfully digitised the VAT/GST recovery workflow with its cloud-based enterprise recovery platform, using AI.

FairMoney

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FairMoney is a mobile banking platform for private and business borrowers. It is an application that uses smartphone data to build an instant credit score and give loans.

Backed by European and American investors, with a team of 45 people between Paris, France and Lagos, Nigeria, and over 350,000 loans disbursed, they hire smart and ambitious team members to make the company’s vision, a reality for millions of people in Africa and South-East Asia. FairMoney was founded on 2017..

Nordigen

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Free banking data & premium insights

Wrapp

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THE NEW STANDARD HAS ARRIVED. Wrapp is The New Standard for rewarding purchases and customer loyalty.

The end to an era of irrelevant advertising and outdated memberships. Wrapp connects to our users’ payment cards, and analyzes transactions to learn their buying behavior.

This way, our users only get rewards from brands they’re interested in. And by sticking to cashback returns, we make sure they get rewards they actually find useful.

Simply put, we put purchasing power in the hands of consumers, and meaningful marketing in the hands of brands.. .

EstateGuru

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EstateGuru is a cross-border marketplace for short-term and mid-term property loans in Continental Europe.

Fraugster

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Fraugster is a German-Israeli anti-fraud company that uses artificial intelligence to eliminate fraud and increase customers’ profits. Fraugster’s journey began in 2014 with the vision to design and build an anti-fraud technology that can help create a fraud free world – one where no one has to care about managing risk again.

After years of working in the payments industry, the founders experienced first-hand the challenges of fraud for e-commerce merchants. The founders discovered that all existing anti-fraud solutions were built on outdated technologies and therefore not good enough to deal with sophisticated cyber criminals.

Existing rule-based systems as well as classical machine learning solutions are expensive and can’t adapt to new fraud patterns in real-time, hence inaccurate.. .

Twisto

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Twisto has over 600k users and 100k app and card clients across the Czech Republic and Poland. The business is the daily payments app of choice for its users, providing buy-now, pay later capabilities, including fully flexible instalment financing.

Twisto offers users a seamless point-of-sale experience with merchants, delivers one-click bill and invoice payments, offers the best FX rates, travel insurance and a comprehensive PFM in one app. A primary Mastercard issuer and is directly integrated into ApplePay.

Bankera

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Bankera is building the digital bank for the blockchain era, with the aim of integrating traditional and crypto economies and becoming the one-stop-shop for all financial services. The idea for Bankera began in 2013 with SpectroCoin – a cryptocurrency brokerage service.

While operating in the financial sector for the last six years, SpectroCoin developed the core infrastructure comparable to traditional banks. The natural extension of SpectroCoin was to go beyond payment processing by leveraging the existing technology and expertise to build Bankera.

Bankera will offer traditional and crypto-friendly financial services to individuals and businesses across the world. – Payments: including payment accounts with personal IBAN, debit cards, interbank foreign exchange rates, and payment processing for both fiat and cryptocurrencies; – Exchange solutions: comprising of cost-effective peer-to-peer blockchain asset trading services, as well as fiat and crypto brokerage services; – Loans and deposits: including crypto-backed loans for individuals and businesses; – Investment solutions: consisting of low-cost investment products such as exchange-traded funds (ETFs), crypto-funds (a portfolio of various cryptocurrencies and crypto tokens), as well as robo-advisory solutions for wealth management..

AKUR8

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AKUR8 is a SaaS Insurtech specialized in Insurance pricing optimization with Transparent AI.

Xolo

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Xolo is focusing on 40 million professionals globally who have chosen to run their business independently. Its aim is to reduce time spent on business administration to near zero by offering an incredibly simple online platform that merges company formation, banking, accounting, and other services.

Xolo is the quickest and easiest way to launch and run a one-person freelancing business in Europe. Its largest markets are Germany, Spain, France, the UK, Ukraine, and Turkey.

Xolo’s typical customers are software developers, management consultants, designers, or other independent professionals.. .

FinCompare – Smarter Business Finance

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FinCompare was founded by Stephan Heller and is a fintech startup that helps businesses to find, compare, and close the financing solutions. Via the online platform, companies can access a wide range of financing options.

They can independently compare offers from well-known banks, fintechs, and alternative financial services providers in Germany and close the financing. The company also offers a convenient one-stop destination for all financing questions relating to the company.

FinCompare financing solutions including corporate loan, factoring, company leasing/hire purchase, warehouse financing, fine trading/purchase financing, and mezzanine capital. It simplifies the financing process with its digital application process and can thus provide your company financing.

The company allows SMEs to receive and compare various offers for loans. FinCompare was founded in October 2016 by Stephan Heller and is headquartered in Berlin, Germany..

Libeo

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Libeo is a unique platform to collect, manage and pay all your supplier invoices. Without IBAN and in one click.

We are reinventing how companies pay and connect with their business partners. No more hours spent manually entering invoices, answering to angry reminder emails from supplier and owing fees for late payments.

* Automated invoice entry, bulk or individual uploads. * Payments of supplier invoices, one clic no IBAN.

* Team work: personalized approval workflow, on-the-go notifications. * Your finances in real time with consolidated financial indicators.

Libeo is supported by the Ordre des Experts-Comptables of Ile-de-France, La Banque Postale, La Société Générale, La French Tech, Wilco, Finance Innovation and BNP Paribas.. .

Juni

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Juni is a fintech company that develops a banking app and platform for e-commerce and online marketing entrepreneurs.

Qred

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Qred offers fast and safe small business loans. We understand the challenges that small businesses face when growing.

It has never been easier to apply for loans. We can process your application and make sure that you have the money in your account in less than 24 hours.

We are committed to help small businesses to grow.. .

Lana

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Lana is a technology platform for Gig Economy workers that operates as a financial marketplace in LATAM

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.. .