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

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This article showcases our top picks for the best Spain 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:

  • Innovation
    • Innovative ideas
    • Innovative route to market
    • Innovative product
  • Growth
    • Exceptional growth
    • Exceptional growth strategy
  • Management
  • Societal impact

Top Spain Fintech (Financial Technology) Companies

Data sourced from Crunchbase and SemRush.

Unnax

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..

Bnext

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..

Banco Bilbao Vizcaya Argentaria

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..

fintonic

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

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

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..

Lana

Lana

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

Pagantis

Pagantis

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Pagantis, an established fintech founded in 2011, provides automated, friction-free consumer finance for e-commerce transactions in Europe.

ID Finance

ID Finance

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ID Finance is a data science, credit scoring and digital finance company that is pioneering fintech innovation in emerging markets with a range of convenient, competitive and transparent loan products available over the internet. The company uses machine learning and advanced data science techniques to improve access to competitive financial services.

Headquartered in Barcelona, ID Finance has over 400 staff spread across its operations under the MoneyMan and Plazo brands in Spain, Brazil, and Mexico, with R&D located in Minsk, Belarus. The company’s founders previously worked in banking including Deutsche Bank and Royal Bank of Scotland.

ID Finance saw 236% revenue growth in 2018. The company now has 1.4m registered clients.

ID Finance has raised $10m of equity funding to date and $50m of debt funding. The Company has been ranked second fastest growing fintech in the FT 1000 list..

Cobee

Cobee

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Cobee develops an online platform that automates and simplifies employee benefits management. The company also provides benefits for employees and flexible compensation that makes companies and employees fall in love.

It facilitates the management of your benefits plan and allows you to focus on what really matters. Cobee provides a subsidy to your employees to complement the cost of the benefits you want.

They eliminate intermediaries and external suppliers of each of the benefits, thus achieving such as reduce costs and improve service quality for companies and employees, create a single source of information, which facilitates the management, resolution of incidents and the visibility of what happens in each moment, and offer your employees a benefits package centralized on the same VISA card, with real-time visibility of the savings generated and controlled from their Cobee App. Cobee was founded in 2018 and is headquartered in Madrid, Spain..

Goin

Goin

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Goin is a mobile application to save money easily and take advantage of it without knowing how to invest, through Machine Learning algorithms that allow you to accumulate the user’s money through small daily gestures. he three Spanish founders, David, Carlos and Gabriel, were looking for a way to optimize their own money, and decided to conduct an experiment by exchanging their debit cards and thus saving 62% during those two months of rehearsal.

This is how Goin emerged, which aims to meet the needs of 100% of Millennials, of which 83% confess that they do not know how to save, making available an easy-to-use tool that enhances their finances and lifestyle. On the one hand, the Barcelona startup allows the user to add money automatically and multiply it without having previous knowledge of investment.

Goin uses a simple system that first asks to know the user through questions about their habits and, in this way, they are offered automatic systems and methods of saving. Once the user adds money to the app, they can transfer part or all of it to investment, or to their bank account.

Its Smart Saving technology manages to accumulate money with small, everyday gestures, such as rounding a payment.. .

Payflow

Payflow

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Payflow is an employee benefit that companies can offer to their employees. Payflow provides employees instant access to earned salary to improve their financial well-being.

Companies benefit from improved productivity and engagement, with no impact on cash-flow. Payflow was founded in 2020, and it is a Rocket Internet backed venture based in Spain..

Capital Cell

Capital Cell

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Capital Cell is a European equity crowdfunding platform for biotech & healthcare projects based in Barcelona and Cambridge/UK.

Ninety Nine

Ninety Nine

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Ninety Nine is a developer of financial trading platform intended to charge no commission fees.

Finnu

Finnu

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Finnu is a financial services technology company based out of Barcelona, Spain, giving its users access to affordable asset-backed consumer loans via its mobile app. Finnu leverages machine learning and alternative phone usage data points, as well as mobile device management (MDM) technology to deliver credit to those, who are usually overlooked by other lenders.

With Finnu, users can not only fully digitally apply and receive loans via their phones, but use their phones as collaterals to significantly reduce interest rates. Finnu is backed and supported by top-tier venture capital funds from Europe and Latin America..

anfix

anfix

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Anfix is a cloud-based accounting application for small businesses in Spain. It provides its users with tools, such as billing, collection and storage of documents, project management, taxation, and more, to manage their businesses.

The application enables its users to create electronic invoices, quotes, orders, keep track of billing and payments, and more. Anfix charges only for what its users use, allowing users who cannot pay to use it for free until they can or are willing to pay for it.

It was launched in 2010 and is based in Valladolid, Spain. Recently launched financial products partnering with Santander Bank.

Rebellion Pay

Rebellion Pay

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Rebellion Pay was created to meet the needs of a generation of young people who do not identify with conventional banks. Rebellion is positioned as the Spanish neobank leader among Gen Z and Millenial generations.

We offer banking services in a way more similar to Netflix, Uber or Spotify than to the use of conventional banking. Rebellion looks for the connection of the financial sector and the social network we are familiar with because what really tells a story about you is your transactions, the way you consume! Our business model is based on different revenue streams such as consumer finance, cryptocurrencies and insurance on demand.

All from a simple, secure, humane and transparent perspective.. .

Mitto

Mitto

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Mitto is a debit card and app designed for “Generation Z” teens.

Reloadly

Reloadly

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Reloadly makes it easy for developers to connect with Mobile operator services. We are disrupting a Trillion dollar industry! Mobile Operators are stuck in old school business models, where most of the world is moving to open source platforms for developers to build amazing products.

Reloadly is bridging the gap between mobile operators and developers, and at the same time creating new sales channels for the 816 mobile operators around the world.. .

Coverfy

Coverfy

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Coverfy APP is a free mobile insurance manager that simplifies and solves all insurance-related issues for its users. The APP optimizes user´s insurance policies and covers all his insurance needs using digital technology and semi-authomatic algorithms.

Coverfy is an insurance broker registered at the General Directorate of Insurance and Pension Funds (DGSFP) and acting independently from the insurance companies.. .

Ibancar

Ibancar

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Ibancar is a fintech company specialized in online lending to a largely unbanked client base, one that does not have access to conventional forms of credit. In a world where banks have low risk appetite and are increasingly bureaucratic our objective is to build a solid and sustainable business which steps up to offer credit to clients who are in need of urgent liquidity or are experiencing temporary financial difficulties.

We are a team of specialists who have worked for 4 years developing a loan product with zero credit losses, clear differentiating factors and competitive advantage. This has made Ibancar the fastest growing and most respected secured loan (car equity loans) platform in the sector.

We are responsible lenders with transparent rates, flexible payment plans and over 1.5m in issued loans to date.. .

Neo (getneo.com)

Neo (getneo.com)

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Neo Group’s ambition is to re-invent corporate banking from the ground up, 100% digitally. Our mission is to democratize cash management and FX risk hedging solutions by simplifying their implementation and making them accessible to any corporate, regardless of size.

We believe financial solutions for corporates are too fragmented, and current CIB leaves many corporates underserved. All of our in-house solutions are being designed from scratch, free of any IT legacy, by combining our advanced business knowledge with the most innovative and adaptive technology.

This gives us total freedom to build the tools companies need to manage their finance properly in a constantly-changing environment. With Neo corporates of any size can identify their FX risk and design a sound FX risk management policy.

We advise clients during all the hedging program process from design to implementation. Neo comes with liquidity and execution included so client can operate from the very first day.

We hedge FX risk over 80 currencies including exotic currencies. Neo dealing platform offers Spot FX, forwards, swaps and options.

Our solution is 100% Saas, it is live in 24h and does not require any complex installation. It is set-up at the treasury department level by treasurers themselves and does not require external consultants.

Nemuru

Nemuru

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Universal point-of-sale lending platform disrupting how people pay for services and goods.

bnc10

bnc10

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Bnc10 IS A mobile banking platform that aims to bend finance rules, far from traditional banks.

Finizens

Finizens

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Finizens is a wealth management company specializing in passive investments, offering a 100% digital alternative to traditional financial institutions consisting in a robo advisor platform which enable clients to invest in a more profitable and efficient fashion through globally diversified, low-cost index fund portfolios, using the best instituional share class funds from Vanguard and Amundi. Since launch Finizens has consolidated as an international reference in the wealth management realm, boasting to be the automated investment management company with the most comprehensive product offering in Europe, as well as the leading robo-advisor in Spain.

Finizens is also pioneer in terms of sealing strategic distribution agreements with renowned financial entities. In 2017, carrying out the first alliance in Spain between a bank and an investment FinTech firm, with EVO Banco distributing directly to its client base Finizens services.

Secondly, Finizens developed the first commercial partnership in Spain between a robo-advisor and an insurance company, Caser Seguros. The team of the company is formed by renowned professionals with extensive experience both in the domain of finance and investment management as well as in the digital economy, with a history of success and international reach..

Aplazame

Aplazame

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Aplazame is a consumer credit company that provides instant financing service for online purchases. It combines an overtime payment method integrated at the e-commerce checkout with marketing tools to enable e-commerce to use financing as a promotional lever to boost sales.

Aplazame simplifies financing to boost sales, increase the average order value, improve conversion rates and reach more customers. The company was founded in 2014 and is headquartered in Madrid, Spain..

Housers

Housers

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Housers is a crowdfunding and crowdlending platform that enables individuals to invest in real estate, green and corporate projects.

Afterbanks

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About Afterbanks LTD. Afterbanks (www.afterbanks.com) subsidiary of Minsait, an Indra company, has a technology that allows retrieving and aggregating bank data rapidly and initiating payments.

Afterbanks is authorized by the FCA in the UK to operate as PISP (Payment Initiation Service Provider) and as AISP (Account Information Services Provider). Likewise, it has won several prizes like the Adventure for HIPIIES in the BBVA Innovation Center and best Fintech and Insurtech in the VLC Awards.

The Afterbanks products complete the advanced offer of Minsait Payments, the payments subsidiary of Minsait in Europe and Latin America.

HUBUC

HUBUC

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HUBUC is a banking as a service that offers businesses a quick, reliable, scalable, and easy way to provide financial services to their customers. Our vision is to enable any business to be to embed financial services in its product offering.

Our customers go to market on average in 7-8 weeks with a live product with a bank account, European IBAN, Debit cards, 27 FX currency pairs, SEPA Direct debit, Instant Payments, Account Aggregation, Payment Initiation, and a full suite a branded digital banking products ready for launch.. .

Fuell Corporate Cards

Fuell Corporate Cards

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Fuell Corporate Card is a card issuer and an expense management software, at the same time. And that makes all kinds of new things possible.

Eliminate the need for expense reports, manage your company’s spending (employees and providers) in real-time, set and control budgets, get credit increases as your business grows, rewards your business with cash backs, and much more. It’s the corporate card we wanted for ourselves..

Preseries

Preseries

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PreSeries is the Operating System for startup investing upon which investors are building their own private solutions to automate sourcing, dealflow & assessment. PreSeries is redefining how technology investments are made by helping investors identify the most promising early stage startups, track the performance of their portfolios, and see the potential impact of key management decisions such as new hires and company relocation.

Preseries platform takes advantage of the latest innovations in Machine Learning to transform startup financing from its current subjective form into a highly objective data-driven practice.. .

StudentFinance

StudentFinance

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StudentFinance is a Fintech company that aims to solve the skills gap, while transforming the trillion dollar education industry.

Polaroo

Polaroo

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Polaroo is a centralized platform that allows its users to manage, optimize, and unify household bills.

Declarando

Declarando

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Declarando is an accounting software with a digital tax advisor integrated. The platform is used by freelancers to keep their books, invoicing, filing taxes online and do the yearly tax return.

Besides that, they don’t need to hire an external accountant; they have the help of a tax bot. It is like having the best advisor sitting permanently next to you..

Cleverea

Cleverea

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Cleverea is the P&C neoinsurer for the millennial generation. We focus on a B2B2C distribution strategy with partners like neobanks, insurers/insurtechs, brokers, airlines, etc.

We conceptually design, technologically develop and stretegically distribute highly disruptive insurance products across the whole customer journey.. .

EthicHub

EthicHub

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EthicHub connect groups of smallholder farmers on a profitable activity, with lenders from all over the world and with direct buyers, creating value to all parties. By combining lending and product sale services we use the coffee as collateral for the loan and improve unit economics.

Now it is possible to serve smallholder farmers in a very profitable way. EthicHub creates value from mutual benefit: Lenders provide affordable loans to the smallholder farmers (only coffee producers in early stage) and direct buyers (coffee roasters in early stage) offer faire prices for the crops, enabling farmers to have the resources to payback the loans and to get free from the poverty and low productivity cycle..

Captio

Captio

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Launched in 2012, Captio is a business and travel expense management application that enables companies and their employees to improve the control of their expenses and discovery of new savings opportunities. It integrates the expense management process into a single, paperless workflow, eliminating the need for manual tasks and preventing fraud.

Captio automatically extracts data from the receipts and invoices which its users capture with their smartphones, allowing companies to avoid the negative effects of their expense management processes.. .

Fundsfy

Fundsfy

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Fundsfy brings together banking services plus an investor’s marketplace to manage your money and make it grow all from one place. The company makes it easy for you to create a diversified portfolio by investing quickly and easily in a wide variety of investment products.

It combines a neobank with the company’s investment marketplace. Fundsfy was founded in 2018 and based in Valencia, Spain..

StockCrowd

StockCrowd

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StockCrowd is a software company that develops the Financial Crowd Management (FCM) software. The cloud software is capable of turning a digital channel of an organization into a source of financing by providing cloud software that opens a new channel of financing for all organizations.

It modernizes the experience of giving to accelerate social impact for the organization’s donation campaigns (NGOs, Foundations, Hospitals, etc.) or funding for social projects. Javier Villacampa and Sergi Pallarès headquartered StockCrowd in Barcelona, Catalonia in 2016..

TaxDown

TaxDown

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TaxDown has revolutionized tax advice by being lone of the pioneers in digital service that lets users file income tax returns easily. It claims to guarantee the taxpayers the desired results.

As this company is the collaborator of the Tax Agency, taxpayers can present their income statements on their own platform. The digital and automatic solution maximizes savings..

Divilo

Divilo

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Divilo is a B2B financial platform for companies and the self-employed. Divilo is the fintech that adapts to the way you work.

Imagine doing all your transactions in real-time without leaving the office, whatever your need.. .

LoanBook Capital

LoanBook Capital

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LoanBook Capital is an innovative investment platform that is developing an online Marketplace lending platform focused on credit and other financing alternatives to traditional bank financing, offering: (i) An attractive new class of asset for any kind of investors (from retail to institutional), an alternative to fixed-income bond investments and (ii) A new fair, objective, flexible and transparent online channel for SME financing. The aim of the platform is to use technology and innovation to reduce the costs of traditional banking and offer better service and lower financing costs for SMEs, as well as better returns to investors.

SMEs borrow from one or more people while investors are able to diversify their portfolio by lending to a broad range of companies. Prior to get to the marketplace, businesses must pass through a rigorous credit and risk analysis process led by an expert team: (i) Using detailed market information, including financial, business and solvency information of the SMEs analysed, (ii) Sophisticated tools and standardised processes, and (iii) Periodic analysis of loans (iv) Analysis based solely on objective criteria for determining ratings and cost.

LoanBook offers to investors different ways to invest including: (i) Traditional marketplace lending auctions, (ii) Automatic investment through online mandates, (iii) Separate accounts for institutional investors, and (iv) Tailor made credit portfolios.. .

Atani

Atani

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The all-in-one crypto platform: exchanges, wallets and taxes under one roof!

Banco Santander

Banco Santander

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Banco Santander is a global multinational bank in 2012 was confirmed for the third time in recent years, such as the Best Bank in the World, according to the annual ranking of Euromoney . At the end of last year, Santander was the largest in the Eurozone and one of the thirteen largest in the world by market capitalization: 63.000 million euros.

Based on a business model that focuses on products and commercial banking services to individuals, small businesses and companies, Santander now serves over 100 million customers a global network of 14,400 offices, the largest banking international. Manages funds 1,388 billion euros for all customer segments, has more than 3.3 million employees and 187,000 shareholders.

Founded in 1857 in the Spanish city of Santander on 76 businessmen linked to the regional economy and colonial trade in Spain with America, over one hundred Banco Santander rose during the twentieth century all rungs of the financial ladder to become the twenty-first century in a global banking leader concerning good management and solvency of the sector, with a strong presence in ten countries on two continents, Europe and America, and businesses in more than forty different markets. Today, Santander is the largest financial group in his home country, Spain, and also in Latin America, a continent where its most important markets are Brazil, Mexico, Chile and Argentina.

It has achieved very high positions in the UK, Germany, Portugal, Poland and the U.S. northeast.

It also offers consumer financing, in addition to these major markets in the Nordic countries plus the Netherlands, Austria, Italy and Belgium.. .

PIGARI

PIGARI

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Corporate debit cards for SME and Freelancers to automate expense management and remove paper expense receipts.

Worldcoo

Worldcoo

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Worldcoo is the European social company based in Barcelona, aimed at funding NGO solidarity projects through omnichannel committed companies (ecommerce, banks or retailers). In ecommerce, it achieves that by integrating a check-box in ecommerce’s shopping cart, which allows customers to donate 1€ while performing any online transaction.

Its goal is to help people in need and make together a better world. Worldcoo was founded on 2012 and is based in Barcelona, Spain..

Brickbro

Brickbro

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Our opportunities are selected by a team of experts with more than 30 years of experience in the real estate sector. Through the digital platform, investors choose the real estate opportunities in which they want to invest, depending on the type of property, terms and expected returns.

Currently, Brickbro is one of the leading real estate investment platforms in the spanish market.. .

Startupxplore

Startupxplore

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Startupxplore is a premium startup investment platform that allows unexperienced and time-savvy investors to diversify their portfolio .

Finanbest

Finanbest

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Finanbest is an automated Robo advisor that provides financial advice and online portfolio management through algorithms and with minimal human intervention. It is a web service that facilitates the creation of a personalized investment portfolio adapted to the context of each person through a simple test.

The company makes the investment model of large assets available to all, it combines the use of advanced automated investment platform with the advice of financial experts. Finanbest was founded on 2017 and is headquartered in Madrid, Spain..

Advancing

Advancing

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Fintech solution offering landlords the chance to receive 12 months of their rents in advance while protecting them against default payments

Tickendy

Tickendy

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We turn receipts into the fuel for tomorrow’s retail industry. Receipts are retail fuel; Receipts can tell you both purchase data and mindsets & motivations about a customer.

The problem is that retailers understand the what, and the payment platforms understand the who. No one understands both.

Digital receipt has not been implemented at large scale because (POS) machines have not changed or been innovated at all. Today, there are no solutions for merchants, distributors, and banks to connect in an easy way with their customers because they don´t know exactly who these customers are.

That’s why we have developed the world’s first contactless digital receipt processing platform for brands and distributors. Digitalization happens right at the PoS, with every receipt stored in the user’s mobile App.

All, through contactless. Our solution augments the POS terminal market, saving 9.6m trees being used to print them.

Tickendy provides merchants with analytics while reducing unnecessary spending on receipt printing.. .

Lucas

Lucas

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Lucas is introducing a new and accessible way into homeownership to millennials through a Rent to Buy model. The purpose is to empower people in cities by providing them the ability to utilize part of their rent as an investment for the flat of their choice.

The service has a fractional ownership component that requires customers only to invest 5% of the property value. Lucas comes up with the remaining 95% to buy the flat and lease it back to them with an exclusive option to buy it in three to five years at a pre-determined price.

Part of their rent is allocated into “credits” for equity so they can build on top of their original stack. The offering addresses the flexible lifestyles millennials seek, mixing the benefits of renting and owning without obligating customers to execute the option if they choose not to, returning their initial investment.

BBVA

BBVA

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BBVA is a financial company that provides a variety of banking services online. It offers a platform that allows users to register their savings account in USD or euros, request the withdrawal of their account, card, and custody account.

Also, Lucia, a virtual assistant can help users in their queries, claims, doubts, and suggestions. The company was founded in 1857 and si headquartered in Bilbao, Spain..

Trioteca

Trioteca

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Trioteca is the digital advisor that helps you to get your best mortgage: we explain what is going to happen, we manage the relationship with the banks for you and we help you to make the decision. We are an independent service that works with all the banks in the Spanish market; thanks to our algorithm and our users we analyze the offer of mortgages that have been signed near you, to be able to advise you in a transparent and impartial way.

Totally free for you.. .

Flanks

Flanks

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Flanks is the first Spanish company specialized in providing comprehensive solutions of high added value based on financial data.

Finteca

Finteca

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makes it easy to plan, apply and coordinate a mortgage – all from your phone.

Combine

Combine

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Combine is a mobile financial assistant that lets people feel in control of all their finances.

Zank

Zank

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Launched in 2013, Zank is an online P2P lending platform that facilitates loans between individuals. It offers an alternative to banks and allows savers and investors to lend money to creditworthy individuals.

The platform enables borrowers to receive better interest rates and investors to get better returns on their investments. It is headquartered in Madrid, Spain..

Bewa7er

Bewa7er

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Bewa7er is a Fintech company builder currently with 1 live business (Indexa Capital), and 2 projects under development (Indexa Lending and Bewa7er Fund). 1.

Indexa Capital is the 1st automated investment service in Spain (launched in December 2015). 2.

Indexa Lending is a fund doing passive investment in the leading lending marketplaces in US and UK, such as Lending Club, Ratesetter and Funding Circle. Indexa Lending objective is to replicate the asset class average profitability.

Only for professional investors. Currently under development.

3. Bewa7er Fund is a peculiar VC fund with one compartment by investment, allowing investors to invest indirectly in specific startups, and to sell or buy shares with other fund investors.

Only for professional investors. Currently under development..

DUNFORCE

DUNFORCE

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Dunforce transforms the way companies manage their invoices. It is the first Intelligent Collection Agent that uses AI and machine learning to solve this growing problem of late payments.

Dunforce provides an all in one SAAS solution that predicts when a payment will be made and automatises debt collection accordingly. It reduces client risks, cost of collection and preserve client relationships.

To make it simple, it integrates with any accounting or ERP software and allows team collaboration on the collection process. It sends smart reminders, based on prediction and your client profiles, eliminating the dirty work of collecting payments.

It integrates any payments tools, from Sepa Direct debit to ACH or credit cards, offering a convenient way of collecting the payments and reconciliating operations. Dunforce aims Credit Manager, CFO or CEO, anyone involved and concerned by this collection process.

Because poorly managed cash flows can put any business under a lot of pressure.. .

Bewater Funds

Bewater Funds

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Private securities investment for professional investors, with liquidity

MYMOID

MYMOID

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MYMOID is a payment solutions platform geared at individual users and mobile environments. It integrates different service modules designed to help companies manage all their financial processes in a simple way that is adapted to their needs.

Companies can create and configure their own payment solutions and link their own loyalty points programs or create their own offers and loyalty dynamics. Companies can also obtain customized detailed reports on collection processes and transactions in real time..

Bankinter

Bankinter

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Bankinter is an innovative Spanish commercial bank. From an investment perspective, Bankinter’s Venture Capital team and Fundación Innovación Bankinter jointly develop a program called Venture Capital Program, focused on identifying and investing in high potential startups using the bank’s resources.

The program has been active since 2013, and from that moment it has already invested in more than 40 startups. In addition to the investment itself, the program tries to add value to the companies with which it interacts through the sharing of experiences and best practices.

A key part of the company’s strategy is the quality of customer service and innovation. The spirit is defined by the values ​​agility, enthusiasm, integrity, and originality.

The company offers a wide range of financial products and services, in addition to advising clients, aggregators, product simulators, and a variety of value-added services. The company’s staff are trained, agile, flexible workforce, capable of adapting to technological and market changes.

Bankinter was founded on 1965 and is headquartered in Madrid, Spain.. .

Micappital

Micappital

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We offer Financial Advice to young working people without time or knowledge to make adequate investment decisions, we aim to be as accessible as possible, with a minimum investment of only 1000€. Our advisory process it carried out through our website.

This is done through an algorithm-driven process which selects the most optimal investment product tailored to each individual situation. We strongly believe financial advisory services should be available to everyone, in order to ensure optimal and safe investment and saving goals.

Through our platform we are able to build bespoke savings and investment plans for our clients, by establishing direct relationship with their personal bank and incorporating their offering platform in our services. Our service is offered in all major Spanish commercial Banks, remaining independent..

Arboribus

Arboribus

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Arboribus is a financial intermediary that helps small and medium-sized enterprises find suitable funding opportunities. It enables the financing of consolidated companies through direct loans from private and institutional investors.

It offers a crowdlending platform that enables its users to pay money in exchange for an interest in companies that have proven to be robust and profitable for a long period of time. The platform helps SMEs gain access to an alternative channel of funding and investors get good returns.

The company offers its services in Spain, Europe, and Latin America. Arboribus was founded in 2011 and is based in Barcelona, Spain..

Livetopic

Livetopic

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Livetopic is a online algorithmic advisor that performs a detailed and independent analysis of the economic and financial situation of a person. Our automated consultant analyzes your situation to show your degree of protection and what to do in case of retirement, disability, widowhood, orphanage and sick leave.

And best of all, you can view your analysis comfortably from anywhere, without having to make endless views to a consultant. We give you your financial passport, unique and non-transferable, which defines your current financial situation and forecasts for the future.

Without marks, without compromises. The passport will contain useful information so that you look to the future with peace of mind and the best selection of offers..

Feelcapital

Feelcapital

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Feelcapital is an advisor theft and web platform that provides personalized advice in investment funds and pension funds. The company’s tool enables investors of their knowledge, to take control of their money and handle operations without the cost of doing so through private banking.

It handles a preliminary analysis of the transferable investment funds working in the market and develops a personalized profile of each investor after comparing their current investment portfolio with an optimal portfolio, taking into account their risk tolerance, expected return, and investment time horizon. Feelcapital was founded on 2014 and is based in Madrid, Spain..

Pibisi

Pibisi

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Automatised KYC for regulated companies

ECrowd!

ECrowd!

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ECrowd! is a web-based, peer-to-business crowdfunding platform that allows investors to earn passive income by investing in transparent projects with a positive social impact. It directly connects energy efficiency and telecom project owners with investors that seek to make alternative investments.

By investing in these projects, investors are able to contribute toward better energy models and improved telecom infrastructures while creating welfare in their communities. It also helps projects which are not easily financed by banks get the funds they need.

ECrowd! was launched in 2013 and is based in Barcelona, Spain.. .

Qbitia

Qbitia

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Qbitia is a software company that develops solutions for capital markets designed to simplify and optimize daily trading work. The company has offices in Chicago, London and Madrid.

Qbitia’s flagship product, Qcaid, is a cloud-based automated trading platform that enables business users to quickly and easily design, backtest, optimize and execute trading strategies in real time. Recognized at the 2016 Technical Analyst Awards as the Best Automated Algorithmic Trading Platform, Qcaid speeds up daily investment work and allows traders to test, analyze and implement complex strategies without requiring any programming skills..

Zyfro

Zyfro

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Zyfro provides invoicing software for enterprises, freelances and bookkeepers. Centralize your invoices, quotes, expenses, bank account and your bookkeeper in real time.

Create invoices, upload expenses and connect your bank account. Have information about what is happening on your business, taxes autocomplete and reports with real time data to be always aware..

Fellow Funders

Fellow Funders

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Fellow Funders is an online financing platform (or equity crowdfunding) that allows investors to invest in early stage and growth companies. The company’s mission is to offer companies an alternative source of financing and to offer investors projects with high growth potential.

The company has a team of experts in valuation of companies and assets that will analyze all proposals, admitting only those that exceed risk filters and valuation models on the platform. Fellow Funders was founded on 2016 and is headquartered in Madrid, Spain..

Kommerce

Kommerce

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The Kommerce trade and finance platform catalyzes trade in across frontier markets in Africa, using blockchain. With Kommerce, merchants can trade confidently with counterparties globally, with cost and time savings from streamlined supply chains and secured finance to multiply revenues.

Global | Trustless | Trade. .

Finanzarel

Finanzarel

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Finanzarel is an online trading platform that allows companies to crowdfund invoices. It is primarily geared towards small and medium sized enterprises in need of working capital, offering the ability to trade credits to investors.

Its service allows companies to auction off invoices to private investors, with Finanzarel generating revenue by taking 0.25% on each invoice monthly. Finanzarel was founded on 2013 and is headquartered in Barcelona, Spain..

Besepa

Besepa

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Besepa is a platform that is a part of Docuten Tech S.L.  At Docuten, we transform clients into “paperless companies” by digitally transforming administrative processes through digital signature, electronic invoicing and payments. Our messaging is focused on Docuten’s product suite, not individual platforms.

Pensumo

Pensumo

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Pensumo is an innovative platform, created by José Luis Orósin 2013, which seeks to implement in Europe a savings model by measuring personal consumption and measuring responsible actions. The final objective is to complement the state pension systems based on the consumption of goods and the performance of responsible actions throughout their life.

Pensumo provides a solution to the loss of purchasing power of the citizen due to demographic changes and economic instability that affect pensions. Its innovative system grants a great capacity to carry out commercial and affiliation actions for the associated companies, and with possibilities to reach a broad spectrum of the population.

At the same time, the platform allows promoting actions in the field of CSR, as well as motivating good social practices by rewarding the user. The startup has gone through the Mundilab Madrid and Innolab Bilbao acceleration programs and has closed two rounds of investments where it has raised € 220,000.

Among its investors is Leading Solutions SL, which has 15% of the company. Additionally, Pensumo has won € 714,000 from a Phase II of the European Commission’s H2020 program.

At the moment Pensumo operates only in Spain, where it has been recognized with various awards: Pasión IE Business School “Commercial Distribution of the Future”; Best Fintech company in METXA 2016; Project SEAL OF EXCELLENCE – European Commission – H2020 Phase I and Phase II. Currently, more than 2,500 users benefit from its innovative system..

Neo Moon

Neo Moon

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NeoMoon aims to become a Spanish challenger bank

Arbor Fintech

Arbor Fintech

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Arbor is a 360 degree financial wellness platform helping users to save, invest and cut debt through an easy to use and free to download app. Our purpose is clear, to improve our users financial wellness.

Arbor integrates with the user’s existing banks which means they don’t even have to change banks! Users create personal saving goals to enhance the saving, investment or debt freedom experience, tracking their progress effortlessly through the app. .

Zero1

Zero1

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Zero1 Capital helps SMEs across the world to thrive by reducing the financial burden of undertaking new growth projects. They combine new Technologies like blockchain and advanced AI algorithms to build a platform that extracts new insights and allows them to make transactions in a fast, fair, secure, and profitable way.

The funding provided will follow and evolve together with the production cycle, adjusting the price as milestones are achieved. This allows the suppliers to leverage the creditworthiness of their clients to lower the borrowing cost..

HashMarket

HashMarket

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Decentralized Investment plaftorm through Hashrate Futures

easyGOband

easyGOband

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Enterprise software for access control and cashless payment’s’ wearables. Focused on hotel resorts, trade fairs, festivals.

Company is based in Spain and has operations in Europe and Latin America. First international branch open in Mexico City in 2017..

Storm Innovation

Storm Innovation

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Storm offers a digital solution that integrates POS devices with a marketplace platform. Its digital solution, Troka, enables micro merchants to manage their business, sell digital services, and accept card or digital payments.

By using credit scoring algorithms, Storm generates loans to finance the working capital requirements of micro merchants, based on their commercial needs and financial ability. It was founded in 2014, and is headquartered in Barcelona, Catalonia..

P10 Finance

P10 Finance

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Prestamo 10 is a Spanish micro-lending platform specialized in the field of online credit. The platform offers loans through internet, accepts applications through SMS, and owns a mobile application, which is compatible with Android and iOS.

It was launched in 2011.. .

Comunitae

Comunitae

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Comunitae is the pioneer platform to offer individuals a new way to save more profitably than traditional financial products.

Bisq

Bisq

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Bitsquare is an open-source, decentralized desktop application that allows its users to buy and sell bitcoins in exchange for national currencies or alternative cryptocurrencies. Users of the application are able to add their national or cryptocurrency accounts, create a new offer or take an existing one, and follow the user interface to finalize the trade.

It enables individuals who do not want to forfeit control or privacy to a central authority to anonymously trade with other users.. .

Beseif

Beseif

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Beseif is a web platform that allows managing secure sales between individuals. Find your article or sell it on your favorite ad website or app: Wallapop, Vibbo, Milanuncios, Facebook, etc.

Avoid scams by managing payment and shipping with Beseif. It’s fast and simple..

OpSeeker

OpSeeker

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OpSeeker is a web application that allows you to improve your investments and savings using fictitious money and helps you improve your financial health. Using fictitious money, OpSeeker can simulate your long term investments.

That way we work with the most important variable in investment – the psychological one.. .

Segguroo

Segguroo

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Segguroo is an insurance management app that economizes and manages all insurance without changing companies.

t.BOOST

t.BOOST

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Fintech company who help retailers, SMEs and corporations adapt to the industy 4.0 without pain.

impok

impok

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Impok is a financial social network that enables its user to manage their portfolio and share their holdings and investment ideas with other investors and fund managers. The platform allows its users to recognize various investors and follow their strategies and trades.

Launched in 2010, Impok is a free service that brings the advantage of internet, community, and transparency to the financial sector.. .

ClimateTrade

ClimateTrade

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ClimateTrade is a blockchain-based trading platform. Their vision is to be the most disruptive and exponential fintech company in the environmental sector to accelerate the achievement of the Sustainable Development Goals, focusing on the client.

They have built an ecosystem where companies and consumers can easily offset their carbon footprint and also invest in green financial products, disruptive technologies, and projects that aim to tackle climate change.. .

Flipsimply

Flipsimply

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Flipsimply is an inventory crowd-financing platform where brands can offer exclusive investment opportunities. Flipsimply publishes business projects with verified sales history that seek funding for inventory, production, or physical product acquisition needs.

That is why the Flipsimply is able to offer greater guarantees and return margins to investors in reduced time frames. The company is dedicated in helping to involve communities, foster innovation, and encourage the growth of entrepreneurs.

Flipsimply was founded on 2016 and is headquartered in Madrid, Spain.. .

Openfinance

Openfinance

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Openfinance provides front-office solutions for financial advisory and portfolio management. It offers a suite of products that can be fully integrated with third-party software, while providing financial institutions with solutions for their strategic needs.

The company also allows wealth management firms to increase their client service capabilities, reduce costs, and generate additional revenue through its solutions. Founded in 2001, Openfinance serves private and personal banking clients, asset management and insurance companies, financial advisors and IFAs, and financial websites..

Noken Digital Assets

Noken Digital Assets

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Noken Digital Assets is an asset-backed blockchain tokenization solution with native notarial intervention. Tokenization is the process of representing rights over an asset in a digital token.

Tokenization links the value of the asset to the token, which is recorded and transmitted securely using blockchain technology. Just as the Internet allowed new forms of social interaction, Blockchain allows new forms of economic interaction..

Finnovista

Finnovista

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Finnovista Finnovista is an impact organization that empowers the transformation of the financial services and insurance industries by building between large corporates and Fintech & Insurtech startups with the purpose of creating a better world. Founded in 2012, Finnovista works with entrepreneurs and large corporates through collaborative activities such as conferences, acceleration and scale-up programs, startup engagement programs and innovation programs to drive their innovation journey and transformation.

Finnovista has consolidated as the most active Fintech investor and one of the most relevant players in the startups ecosystem in Latin America. Finnovista promotes FINNOSUMMIT, the leading conference in Fintech & Insurtech in Latin America and develops Startupbootcamp acceleration and scale-up programs and corporate innovation programs for clients such as Visa, BBVA, HSBC, Scotiabank and Fiinlab by Gentera.

Finnovista is part of Rainmaking Group, a global leader in corporate innovation and venture development.. .

Inventure Cloud

Inventure Cloud

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Inventure Cloud is an online crowdfunding platform that enables consumers to submit their ideas about the products they want. The platform provides a new experience to the consumers by engaging them in the creation of their favorite products.

Inventure Cloud launches crowdfunding campaigns for the products and manufactures them after the projects get the community and the experts’ validation. The platform pays royalties to the creator of the project for every unit funded..

SeQura

SeQura

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SeQura believe that buying online should be as easy as it has always been in real life.SeQura provides e-retailers with a solution to reduce consumer thresholds, improving conversion rates and raising average basket sizes while securing certainty of payment. At the same time, it provides comfort, security and flexibility to the online consumers.

SeQura offers e-retailers easy access to invoice without having to bear excessive credit risk or taking on extensive financial administration – just by accessing a simple API.. .

GourmetPay

GourmetPay

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GourmetPay offers a mobile application and API that enables users to pay at bars and restaurants. Its features include automatic payment services, discounts for payments, digital bills, and loyalty cards.

The application is available for download on the App Store and Google Play. GourmetPay was launched as HeyPlease in 2013 and acquired in 2017 by Up Group (Cheque Déjeuner)..

2gether

2gether

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2gether is a collaborative financial platform that accelerate the world’s transition to decentralized finance.

HandCash

HandCash

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HandCash is a Bitcoin mobile wallet.

InnoCells

InnoCells

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InnoCells is the hub of new digital ventures of Banco Sabadell. It is the union of two ways of understanding business: the values of the startup world and the experience of Banco Sabadell.

A place where design, strategy and technology generate new business opportunities.. .

You may write to us at: Daily Finance Media/Fupping Ltd, First Floor, 61-63 Rochester Pl, London NW1 9JU.

Written by Tenner Smith

Tenner Smith - I have experience in financial intelligence and automated intelligence. In industry I have worked on artificial intelligence and machine learning. Tenner Smith is a reporter at DF media.

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