This article showcases our top picks for the best Germany based FinTech companies. These startups and companies are taking a variety of approaches to innovating the FinTech 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 Germany FinTech Startups
Data sourced from Crunchbase and SemRush.
Mambu
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Mambu is a software-as-a-service banking engine provider that powers lending and deposit services.
Moonfare
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Moonfare provides access to top-tier private markets investment opportunities through a technology-enabled platform.
Clark
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Clark is an insurance platform that provides full insurance cover.
Billie
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Billie is a fintech startup that provides Buy Now, Pay Later payment methods for the B2B market.
BITA
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BITA is the world’s first provider of end-to-end infrastructure for self-indexing and systematic investing.
wefox
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wefox is a digital insurance company aiming to make people safe and prevent risk by reinventing insurance at scale through technology.
Trade Republic
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Trade Republic is a mobile-only and commission-free broker that provides investment opportunities.
Scalable Capital
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Scalable Capital is a digital asset management company that primary focuses on risk management.
N26
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N26 offers mobile banking solutions to customers in the European Union through its subsidiary.
Solarisbank
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Solarisbank is a Banking-as-a-Service platform that enables other companies to offer their own financial services via APIs.
Raisin
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Raisin is a savings and investment marketplace that connects retail customers with banks looking to expand deposit reach.
Vivid Money
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Vivid Money is a financial platform and mobile banking app that helps customers save and invest their money.
Nuri
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Nuri empowers people to manage and grow their wealth through innovative technologies.
Fraugster
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Fraugster is a German-Israeli anti-fraud company that uses artificial intelligence to eliminate fraud and increase customers’ profits.
finleap
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finleap is Europe’s #1 fintech ecosystem. In addition to access to capital, it offers a network of investors as well as partners and talent.
Deposit Solutions
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Deposit Solutions is provider of the open banking platform for deposits connecting banks and depositors.
Centrifuge
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Centrifuge is an open, decentralized operating system to connect the global financial supply chain.
LIQID
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LIQID is a digital asset manager focused on the investment needs of affluent private clients.
Modifi
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Modifi empowers small and medium-sized businesses to trade internationally with digital trade financing.
Finoa
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Finoa is a regulated custodian for digital assets offering custody and staking services to institutional investors and corporations.
Traxpay
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Traxpay is a fin-tech platform that provides supply chain finance, dynamic discounting and reverse factoring services to corporate clients.
Taxdoo
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Taxdoo is an automated financial compliance platform developing a sales-tax automation software to manage sales tax in online retail.
Upvest
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Upvest empowers financial institutions to offer investment products in their app with a modular, scalable, and accessible API.
Naga
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Naga AG Group is a German-based fintech company founded in 2015 and publicly listed on the Frankfurt Stock Exchange.
Finiata
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Finiata provides working capital financing for freelancers and SME’s over a fully automated data driven scoring technology.
CANDIS
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CANDIS is Berlin-based company that offers an intelligent platform for automated accounting.
CrossLend
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CrossLend is a FinTech company whose mission is to make the private debt space more efficient, transparent, and profitable by providing technology & infrastructure solutions for debt asset transactions.
Exporo
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Exporo is an online platform for real estate investments.
Coya
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Coya offers scalable protection at the point of need with an AI risk guardian and simple, transparent, and personalized insurance cover.
Zeitgold
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Zeitgold is a Berlin-based AI company providing a complete solution for financial administration of small businesses.
nextmarkets
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nextmarkets is Europe’s commission-free online broker
Thinksurance
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Thinksurance is a leading technology consultation platform for business insurance used by brokers, agents, banks and further sales channels.
Payworks
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Payworks provides payment gateway technology for the POS.
21strategies
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21strategies leverages deep technology and AI to transform Treasury Operations of large international corporations to profit making centers.
simplesurance
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Simplesurance creates a platform for simple access to insurance to combine traditional insurance industries with digital business.
OptioPay
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OptioPay is an open banking technology provider for customer-centric and value-add solutions based on bank account data.
Myos
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Rethinking working capital | Myos helps merchants of all kind grow to scale, fully digital, flexible and without personal guarantees
Airbank
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Airbank is an all-in-one finance platform for SMBs in Europe.
Getsafe
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Getsafe is on a mission to reinvent how people do insurance, building the radically best insurance experience at their fingertips.
FinCompare – Smarter Business Finance
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FinCompare is a SaaS enabled marketplace. Helping advisors and businesses to find, compare, and close the financing solutions.
Monedo
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Monedo uses machine-learning technologies to provide access to better credit for the underbanked.
HAWK:AI
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Money-laundering detection & investigation platform. SaaS, Cloud, Artificial Intelligence, Machine Learning.
Elinvar
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Elinvar enables asset and wealth managers to digitalize their business models by providing the required Platform as a Service.
Remagine
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Remagine offers the world’s first purpose-driven, digital business accounts
anybill
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We provide technology and infrastructure to create smart added value for the connected POS of the future.
wajve
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wajve offers all financial services like banking, advice and education in one app.
Spotcap
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Spotcap empowers SMEs with tailored finance, allowing them to focus on their business.
COMPEON
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COMPEON is the product and vendor-independent full-service provider for SME financing.
Vantik
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Vantik is the first mobile retirement account to boost your confidence in your financial future.
Banxware
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Banxware provides the technology and the funds for business financing of any kind: fully embedded in platforms or as an affiliate solution
Carl
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Carl Finance provides a platform for the acquisition and divestment of small and medium-sized businesses.
The NAGA Group
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NAGA AG Group is a German-based fintech company founded in 2015 and publicly listed on the Frankfurt Stock Exchange.
FinLab
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FinLab is a Germany-based investment company engaged in the building of companies in the financial services technologies.
Monite
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Monite builds an Embedded Finance Automation solution along with a one-stop-shop for SME finance.
RightNow
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RightNow provides consumers with access to justice by purchasing legal claims and paying a large proportion of the claim within 24h.
PAIR Finance
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PAIR Finance is the leading AI-based Fintech for debt collection and receivables management in Germany.
finleap connect
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finleap connect addresses the fragmented open banking landscape with a full-stack platform.
Hepster
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Hepster is an insurtech company that develops customized insurance products and integrates them into digital processes and systems.
portagon
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portagon provides a SaaS technology platform that enables financial intermediaries and businesses to raise capital online.
Heliad Equity Partners
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Heliad Equity Partners (ISIN: DE000A0L1NN5) is a growth equity company investing across verticals and regions pre-, at-, and post-IPO.
re:cap
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Re:cap creates a subscription economy financial marketplace.
Finanzcheck.de
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Finanzcheck.de is a leading, independent online comparison portal for installment loans and private financial products.
wealthpilot
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wealthpilot enables professional advisors to deliver a data-driven and truly personal wealth management.
Pockid
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Pockid GmbH offers a bank account with virtual and physical debit Mastercard.
Bitbond
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Compliant tokenization and digital asset custody enterprise software.
insureQ
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InsureQ is an insuretech startup that offers insurance tailored to SMEs’, freelancers’, and startups’ needs.
Penta
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Penta is a digital business bank platform designed to help startups and SMEs save time and money on banking.
BillFront
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BillFront is a technology-enabled finance provider dedicated to global digital media companies.
Invesdor Deutschland (Kapilendo AG)
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Invesdor (formally Kapilendo) offers investors to invest online in selected and audited investment projects of companies.
Blocksize Capital
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Crypto currency trading, SaaS for Digital Assets, Digital Asset infrastructure, Blockchain
bonify
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Bonify is a Fintech startup based in Berlin that offers credit scoring tools and services to its users.
Acatus
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Acatus is a financial services company that offers a debt capital markets platform for banks and other organizations.
Prestatech
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Prestatech offers to leading European Banks a variety of credit services from data enrichment to end-to-end instant lending solutions.
PAYMILL
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PAYMILL is a payment solution platform that enables online businesses to accept payments on their websites within a very short time.
FinMarie
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FinMarie is Europe’s first financial platform by and for women.
Brickblock
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Providing a full suite SaaS solution to setup, raise and manage an alternative investment fund e.g. Real estate, Private Equity, Hedge Fund
FinTecSystems
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FinTecSystems is an infrastructure Fintech for open banking and account data analysis
finway
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finway provides financial guidence to SMEs, plan & control all expenses and budgets in one tool.
ryd
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ryd is a cross-brand solution for mobile payments directly at the gas pump.
Captiq
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Captiq is a a digital online financing platform for doctors, pharmacists, lawyers and other chamber professions.
CRX Markets AG
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CRX Markets is Europe’s leading marketplace for working capital financing.
Fulfin – Financing Ecommerce
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Innovative growth financing for online companies | Innovative Wachstumsfinanzierung für Online Unternehmen
Quantumrock
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Adaptive Investment Programs for the Asset Management Industry.
Companisto
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Companisto is an equity crowdinvesting platform for startups.
Finanzchef24
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Finanzchef24 offers entrepreneurs and self-employed in Germany digital commercial insurance via its independent online comparison platform.
FINEXITY AG
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Germany‘s first blockchain-based real asset investment platform.
Moss
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The corporate credit card built for your entire spend.
savedroid
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savedroid exists to bring personal piggy bank savings into the modern world.
VAI Trade
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VAI is a digital supply chain financing solution company in Europe for SMEs.
Vaamo Finanz AG
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Vaamo Finanz AG provides automated investment solutions and financial advice to its clients.
Bilendo
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Bilendo is the credit management platform empowering businesses to take credit risks by providing tools to harmonize the O2C-process.
Savedo
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Savedo is the one-stop-shop for retail investment products in Europe.
Etvas
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Etvas is a digital marketplace for value-added services.