This article showcases our top picks for the best Germany based Personal Finance companies. These startups and companies are taking a variety of approaches to innovating the Personal Finance industry, but are all exceptional companies well worth a follow.
We tried to pick companies across the size spectrum from cutting edge startups to established brands.
We selected these startups and companies for exceptional performance in one of these categories:
- Innovative ideas
- Innovative route to market
- Innovative product
- Exceptional growth
- Exceptional growth strategy
- Societal impact
Top Germany Personal Finance Companies
BANKSapi Technology GmbH
Die BANKSapi Technology GmbH ist ein Banking-as-a-Service Provider mit Sitz in München. Das Unternehmen stellt eine API bereit, nach dessen Anbindung Endkunden auf ihre Konten, Kreditkarten und Depots über das Frontend der Lizenznehmer zugreifen können.
Finanzdienstleister erhalten damit die Möglichkeit, Banking-Leistungen neu zu definieren, Bancassurance-Services zu verbessern und die Alltagsrelevanz zu erhöhen. Mit Hilfe von Künstlicher Intelligenz analysiert BANKSapi nach Zustimmung der Nutzer deren Kontobewegungen und erstellt in Folge ein finanzielles Blutbild.
BANKSapi ein ein Venture der Finconomy AG. Impressum: https://banksapi.de/impressum/.
Bonify, a Berlin based FinTech-Start-up, enables customers to benefit from their credit scoring and financial data. The company gives customers free and easy access to their credit score and let them upload additional relevant data.
Then, it offers tools and personalized recommendations to help optimize the customer’s financial situation. Founded in 2015 by key executives of McKinsey and Zalando, bonify has received significant funding from internationally leading VCs and successful entrepreneurs..
Coinlend is a Lending-Bot for Bitfinex, Poloniex & Quoinex. It allows you to generate interest for your cryptocurrency holdings by margin funding automatisation.
Instead of letting your holdings sit idle in your account, you can lend them to margin traders and generate interest from it. Since this is a manual and cumbersome process, especially if you want to diversify across multiple exchanges, we created to Coinlend to totally automate this process.
Just set up the service by generating API credentials on an exchange and provide it to Coinlend. Our algorithms will take care of the rest and lend out your assets fully automated.
Just enjoy the interest coming in!. .
figo aggregates financial sources from over 3,100 banks and financial institutions to enable innovative services. As Europe’s first “Banking Service Provider” figo is PSD2 ready! figo’s sophisticated platform ‘Banking as a Service’ connects modern services with more than 55 million online banking accounts in Germany and Austria.
The company is targeting the Single Euro Payments Area (SEPA) in total. Furthermore figo has set up a new connectivity standard to financial data and reduces complexity of banking implementation to a minimum figo makes banking usable wherever it adds value and creates new touch points between consumers and their partners startups and banks! figo realized the opportunities arising from PSD2 accompanied by changing customer expectations.
figo does not only provide an established banking API, but also an entire banking service platform supporting a vast number of innovative banking solutions (incl. access to bank account)..
treefin gives the user a holistic picture of its personal finances. treefin is a constant finance assistant in your pocket.
All insurances, banking and investment accounts, aggregated and nicely shown in one dashboard across all devices (current-situation of the user). On the basis of the current situation treefin identifies savings and optimization potential (e.g.
insurance shortfall, assets with higher interest rates). Then the user has the choice to either talk to an independent advisor or will be forwarded to a comparison portal.
treefin is independent and positioned in the customers corner and makes money when the customer saves money.. .
justETF is a do-it-yourself investing tool. justETF empowers private investors to manage their money in a highly professional way with a simple and intuitive approach focusing on ETFs.
Less experienced investors can take advantage of model portfolios. In addition to lump sum investments, the platform also allows target investing for savings plans.
Besides do-it-yourself investing, justETF also facilitates the new financial advisor model. The professional version of the tool provides a powerful solution to structure, manage and monitor clients ETF portfolios..
The NAGA Group
The NAGA Group provides personal finance and investment products under the brand name NAGA and under NAGA Markets and NAGA Global which are authorised by CySEC and St. Vincent respectively.
NAGA powers thousands of investors and traders within its socially-enhanced financial system. With its synergistic all-in-one approach NAGA combines and unifies trading, investing, transacting and community across both fiat and crypto.
NAGA’s sole purpose, to make the world of personal finance and investment more accessible and open.. .
CASHBOARD is Europe’s first and only curated marketplace for retail investment covering all asset classes and one of the fastest growing online wealth management FinTechs in Germany. While others just sell one product CASHBOARD offers an individually tailored portfolio with access to the complete market range of traditional (Daily Deposits, Stocks, Funds, ETF) AND the rapidly growing segment of alternative investment products (P2P Lending, SME Lending, Real Estate Crowdfunding, Precious Metals, Sustainable Investing etc.).
Leading European FinTechs and notable banks already partner with CASHBOARD currently offering more than 6,500 investment products on the open technology platform. Retail clients benefit from the one-stop-shop solution which enables them to manage all their assets in a single account.
For them the platform is completely free of charge except for a success-related performance fee. CASHBOARD is recognized as one of the 9 top wealth tech companies in Europe (2017) and one of the market-leading companies in Germany (Aixigo/Springer 2016).
The team has received several notable awards including Europe’s highest endowed startup prize – the SevenVentures Pitch Day from NOAH London worth €4m TV media and is backed by top-tier international VC’s including 500 Startups, Earlybird, Digital Space Ventures, Redalpine, ProSiebenSat.1 and more.. .
Wertios helps customers to make better financial decisions, invest wisely and reach their long term financial goals. Based on a free financial planning tool, where users can link all their bank and investment accounts Wertios offers professional and affordable online investment advice over our financial planning app “Midas” (www.midas.capital).
Midas is an all in one tool for professional financial planning. Users get a detailed overview of their financial assets and income/expenditures and fully automated reports about their asset allocation and possible risks.
For free. If users wish to execute standardized investment ideas or get direct personal advice, a volume based service fee is charged.
Midas offers professional wealth management from ticket sizes as small as EUR 50.000. Customers benefit from an independent fund research and far cheaper conditions than with traditional advisors through largely standardized processes.
A unique private finance tool ready to shake up the European financial advisory market.. .
easyleaving helps you to organize everything important for your end-of-life and death. The articles and checklists give advice, the app makes it possible to save and share all information and documents that are important for you.
Easy and safe.. .
SuperSwitcher provides a free, impartial online tariff comparison and switching service. In particular, SuperSwitcher offers users a unique account management tool that makes saving money on household utility bills like power and gas easier than ever before: users can quickly set up a free account, so that they don’t have to re-enter the necessary details every time they want to compare suppliers.
When users switch supplier online, SuperSwitcher automatically updates their details as they go along. Comparisons can be done in seconds, and the process of switching supplier is greatly simplified, as SuperSwitcher fills in as many forms as possible on the user’s behalf.
SuperSwitcher also offers a reminder service, to help users get the most out of future price changes. SuperSwitcher is also available as a Facebook application..
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