Fintech in Europe

European fintech vertical: 56 companies across 27 countries, plus 92 European software listings serving the sector.

Vertical at a glance

  • 56 companies
  • 92 software listings serving this vertical
  • 27 countries: Austria, Belgium, Bosnia and Herzegovina, Bulgaria, Croatia, Czech Republic, Denmark, Estonia, France, Germany, Greece, Ireland, Italy, Latvia, Lithuania, Luxembourg, Netherlands, Norway, Poland, Portugal

Companies

  • Veratlas, Netherlands: We help SaaS companies go from zero security baseline to audit-ready in 90 days. ISO 27001, SOC 2, and managed security operations
  • Upvest, Germany: Upvest provides a scalable Investment API that enables businesses to build and integrate seamless investment experiences into their products.
  • HV Capital, Germany: HV Capital is a European venture capital firm that provides capital and support to founders across various stages and industries. The firm manages 2.8 billion euros in assets and focuses on building companies from early-stage to growth and IPO.
  • SME Bank, Lithuania: We created SME Bank because we have a strong belief in the potential of small and medium enterprises.
  • Rayl Technologies, Belgium: A Belgian technology company specializing in custom software, AI solutions, SaaS, and automation, while also operating its own payment and marketplace platforms
  • Eurazeo, France: European investment group spanning venture to buyout.
  • Summit Deals, Netherlands: Summit is an AI-native investment bank helping entrepreneurs raise capital and investors access high-quality private market opportunities.
  • GP Bullhound, United Kingdom: GP Bullhound is a global technology investment bank and advisory firm. It provides M&A, growth capital, and investment services to technology innovators and investors.
  • TechQuartier, Germany: Frankfurt-based fintech and innovation hub offering co-working, accelerator programmes, and community events in the heart of Europe's financial capital.
  • KfW, Germany: German development bank providing startup financing.
  • KfW Capital, Germany: German state-owned development bank subsidiary investing in venture capital and venture debt funds to strengthen the German startup ecosystem.
  • Klarna, Sweden: Swedish buy-now-pay-later pioneer offering flexible payment solutions for consumers and merchants across Europe.
  • N26, Germany: German mobile bank providing a fully digital banking experience across European markets.
  • Solaris, Germany: Banking-as-a-service platform for embedded finance.
  • Bunq, Netherlands: Mobile-first neobank for European consumers.
  • Monzo, United Kingdom: Digital bank with smart money management tools.
  • Wise, United Kingdom: International money transfers and multi-currency accounts.
  • GoCardless, United Kingdom: Bank payment solutions for recurring payments.
  • Tink, Sweden: Open banking platform connecting banks and fintechs.
  • Trade Republic, Germany: Commission-free investing and savings platform.
  • Mollie, Netherlands: Payment service provider for European businesses.
  • Wefox, Germany: Digital insurance platform and insurtech leader.
  • Checkout.com, United Kingdom: Enterprise payment processing and financial infrastructure.
  • Mambu, Germany: Cloud banking platform for financial services.
  • SumUp, United Kingdom: Card readers and payment solutions for small businesses.
  • Scalable Capital, Germany: Digital investment and wealth management platform.
  • Adyen, Netherlands: Dutch payments platform processing transactions for major enterprises with a single, unified payment infrastructure.
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  • Belego, Germany: Belego provides automated accounting and financial management solutions designed to simplify bookkeeping for small businesses and freelancers.
  • paymove, Poland: paymove provides smart city QR code payment solutions that allow users to pay without apps or registration.
  • Satispay, Italy: Mobile payment platform for consumers and merchants.
  • Raisin, Germany: Savings and investment marketplace across European banks.
  • Revolut, United Kingdom: Digital banking and financial services super-app.
  • XTB S.A., Poland: A global fintech company and online broker offering trading and investment opportunities in stocks, ETFs, CFDs, Forex, and commodities.
  • Emiteo S.A., Poland: A licensed investment crowdfunding platform that connects innovative companies with investors, facilitating equity crowdfunding campaigns.
  • Zrzutka.pl, Poland: A Polish crowdfunding platform that allows users to create fundraisers for any purpose without fees or commissions.
  • Polski Standard Płatności (BLIK, Poland: A mobile payment system that allows users to pay in stores, withdraw cash from ATMs, and send instant phone-to-phone transfers.
  • PayEye, Poland: PayEye provides a secure biometric payment ecosystem using iris and facial recognition technology for seamless, card-free transactions.
  • Pay., Netherlands: Pay. is an all-in-one payment service provider that helps merchants process payments easily, offering quick registration and integration.
  • UP2DATE Software, Romania: UP2DATE Software provides custom software development, mobile apps, and AI-integrated solutions using senior engineers for clients in the EU and US.
  • Bpifrance, France: French public investment bank supporting entrepreneurs with financing, guarantees, and equity investments from seed to international expansion.
  • Giełda Papierów Wartościowych w Warszawie S.A., Poland: GPW is the largest exchange for financial instruments in Central and Eastern Europe, operating markets for equities, bonds, and derivatives.
  • Neuro, Sweden: Neuro by Trust Anchor Group is a technology platform for digitalization real-world assets and enabling secure digital infrastructure. Built on distributed ledger technology, it includes Neuro-Pay for payments, Neuro-Access for digital IDs, and Neuro-Assets for asset digitalization. Together, these solutions support efficient, transparent, and scalable digital transactions and ownership systems.
  • Beesfund S.A., Poland: Beesfund is a Polish equity crowdfunding platform that allows companies to raise capital by issuing shares to investors via the internet.
  • Sanocast, Denmark: Danish IT consultancy providing software development, digitalization services, and programming of custom business systems.
  • ING Bank N.V., Netherlands: A global financial institution providing retail, wholesale, and private banking services to individuals, small businesses, and corporations.
  • Property Bridges, Ireland: A peer-to-peer lending platform providing property development and bridging finance for the Irish real estate market.
  • MoreFin, Bulgaria: MoreFin provides managed payment infrastructure and operations that help businesses grow with more control and better results.
  • Stivio, Switzerland: Full-stack development studio providing web applications and IT solutions tailored to business needs.
  • goSettle BV, Netherlands: goSettle is the payment solution making any (digital) asset spendable everywhere. We empower users to spend their assets seamlessly while merchants receive fiat
  • Prolaz, Bulgaria: Prolaz is a PCI-DSS certified FinTech company that helps banks and retailers capture the savings potential of multi-payment acceptance.
  • eLando, Bulgaria: We design and build software for fintech, payments, and data platforms, helping teams scale operations and simplify complex systems.
  • IRIS Solutions AD, Bulgaria: IRIS Solutions provide Open banking services and solutions including Acount-to-Account payments for Business in SEE.
  • Mintos, Latvia: Mintos is a multi-asset investment platform that offers retail investors an easy way to invest in loans, bonds, ETFs, and other assets.
  • KRUK S.A., Poland: KRUK S.A. is a leading debt collection company in Central Europe, offering debt management and repayment solutions tailored to customers' financial situations.
  • Fire, Ireland: Fire helps businesses access embedded accounts and a range of payment services, supporting streamlined account opening and integrated API access to bank transfers, debit card issuing, direct debits, FX and open banking payments. We work with start-ups, technology-focused and corporate organisations, as well as some of the world’s largest financial institutions, delivering highly integrated, high-volume payment processes and embedded services that support efficient, automated payment operations.

Software serving this vertical

  • Tangelo Software, Netherlands: Take control of annual and sustainability reports with automated typesetting, flexible data integration, multi channel publishing, and streamlined workflows.
  • Relution, Germany: Relution is a European UEM/MDM solution for secure, privacy-compliant and data-sovereign device management.
  • Semotec, Austria: We seamlessly connect your company software with the world of digital signatures. ERP, CRM, DMS, HR, CMS, E-Commerce
  • Invono AB, Sweden: Invono provides a digital platform for corporate governance, streamlining equity management, board work, and capital raises for companies.
  • Invoicetronic, Italy: Modern REST API for Italian electronic invoicing (SDI FatturaPA), offering SDKs, sandbox environments, digital signatures, and webhooks.
  • Twikey, Belgium: Twikey offers smart solutions for recurring payments and e-mandates, helping businesses automate direct debits and invoice follow-ups through their own bank.
  • SPEAKYLINK, France: Speakylink delivers secure, installation‑free visual assistance with video, photos and co‑navigation to boost resolution and reduce field visits.
  • Exivity, Netherlands: Exivity is a cloud-agnostic platform built to give FinOps teams full financial control across public, private, hybrid, and multi-cloud environments. Designed for FinOps practitioners, MSPs, and CSPs, Exivity transforms raw usage data into accurate, chargeable insights — enabling automated showback, chargeback, and billing workflowsthat drive accountability and optimise cloud spend. Bring your own data. Exivity turns it into a clear, billable data product, with full control and zero lock-in.
  • Solvimon, Netherlands: Solvimon is the EU's billing infrastructure for companies that have outgrown Stripe. One system handles hybrid pricing, AI credits, multi-entity invoicing, and enterprise contracts — no glue code, no reconciliation spreadsheets. Built by the team behind Adyen's billing engine. Companies like Yapily, Hawk:ai, Gigs and Booking.com use it to launch pricing faster and close books on time.
  • Tridens, Slovenia: Tridens is a SaaS company that provides monetization, billing software, and EV charging solutions for industries like telecom, energy, media, and e-mobility.
  • Etropo, Poland: Marketing budgeting software designed for CMOs. Manage budgets, automate spend tracking with AI-native platform.
  • iBanFirst, Belgium: A financial services platform (PSP) providing cross-border payments, currency exchange, and risk management solutions for international businesses.
  • Financica, Belgium: EU-native bookkeeping and Peppol e-invoicing software featuring multi-currency support and an AI assistant on a shared ledger for businesses and accountants.
  • Billit, Belgium: Billit is a cloud-based e-invoicing platform that enables businesses to send and receive digital invoices via the Peppol network.
  • Ohpen Services BV, Netherlands: Ohpen is a cloud-native core banking platform provider that powers savings, investments, mortgages, and loan products for financial institutions.
  • Oneiric IT, Croatia: A compliance management platform for MSPs and businesses to track PCI DSS requirements, manage evidence, and maintain audit readiness.
  • Finnova AG Bankware, Switzerland: Finnova is a leading provider of innovative banking software solutions, offering a comprehensive platform for digitalization and core banking services.
  • BANCOS, Germany: BANCOS offers software solutions for core banking systems and process automation - fully developed in Berlin, Germany, under independent ownership.
  • Leyoda B.V., Netherlands: Leyoda builds on premise AI Local Machines for European businesses to deploy secure sovereign AI without US cloud dependencies.
  • Faktuurtje, Netherlands: Invoices in one sentence — ready to send in seconds.
  • Capto, Bulgaria: Capto is a startup creating next-generation AI agents designed to automate tasks, streamline operations, and fuel innovation for businesses.
  • ThreatFabric, Netherlands: ThreatFabric is a leading company in online fraud, mobile malware, and threat intelligence.
  • SocialScore, Bulgaria: SocialScore provides an AI digital marketing persona for segmentation & prediction and merchant-led BNPL solutions to transform anonymous traffic into loyal customers and approved borrowers.
  • Qwoater B.V., Netherlands: Qwoater offers European accounting firms a secure Document Hub to store documents once, share them easily and unlock AI insights. SOC 2 Type II certified.
  • idnorm, United Kingdom: IDNORM is an Al-first company redefining identity verification through in-house innovation developed over the past 10 years. Our goal is simple: to make advanced identity verification available to all. We help you solve: * Seamless user onboarding with minimal drop-offs * Advanced remote identity verification * Real-time fraud detection * Fast and reliable age verification * KYC and AML compliance at scale
  • YAXI, Germany: Open banking without regulatory complexity, third-party branding, or data access.
  • gravitrade GmbH, Austria: gravitrade provides an automated trading platform designed to simplify investing through algorithmic strategies and user-friendly tools.
  • 20Tabs B.V., Netherlands: 20Tabs the hospitality POS that makes you happy, featuring order management, real-time sync, unlimited screens, self-service, vouchers, loyalty, and more
  • Planacy, Sweden: Planacy is a modern no-code FP&A platform for driver-based planning, helping finance engage the business beyond manual processes.
  • Cmf-c Holding, Italy: Wideminded FinTech specialized in analytics. Paid, full compliant EU data residency GDPR service. Seed and Series A funding stage - landing P2P.
  • KALYP Technologies, United Kingdom: Provides blockchain-based B2B software to establish distributed financial infrastructure for more efficient processing of tokenised and traditional securities.
  • SEMANTIC SOFTWARE E.E., Greece: Semantic Software delivers powerful and innovative ERP and retail software solutions, specializing in fully digital and automated business processes. Moreover, Semantinc Software stands as a dominant force in the Greek market, offering the modern electronic invoicing platform emblem.gr, the fully compliant Digital Work Card solution EmblemErgani, the pioneering cloud payroll service Emblem Salary, and the advanced order management and self-ordering system garsonista.gr.
  • LI.FI, Germany: Blockchain Finance is fragmented across hundreds of blockchains, token standards, exchanges, and bridges. LI.FI routes, orchestrates and composes transactions across all of it, abstracting away hundreds of APIs.
  • Supplied, Netherlands: Stripe Connect for regulatory compliance. Onboarding, Verification, Data Enrichment, Orchestration & Reporting for platforms to scale across regulations.
  • Vivid Money GmbH, Germany: A financial platform offering business accounts, high interest rates, and secure banking solutions for companies and self-employed individuals.
  • Tailride, Luxembourg: Tailride provides AI-powered software for automating invoice and receipt extraction from emails and web portals.
  • Shppys, Netherlands: An all-in-one e-commerce platform that allows small businesses and entrepreneurs to launch online stores with no initial subscription costs.
  • Bare Bitcoin AS, Norway: Buy, sell and hold bitcoin.
  • Numonis, Portugal: Tech-powered accounting service for SMEs, built to replace the traditional accountant model
  • Duevo, Czech Republic: Czech B2B software for managing overdue invoices, tracking late payments, sending reminders, and streamlining the debt collection process.
  • fidentity AG, Switzerland: fidentity offers certified online identification and digital signature solutions to boost conversion and enable secure, automated identity verification.
  • Riverty, Germany: A financial services provider offering flexible payment solutions: Buy Now Pay Later, monthly billing, and installments for consumers and merchants.
  • open-banking.io, Denmark: Bank account and transaction access for individuals and businesses across Europe — no PSD2/eIDAS certificates required.
  • KindLink Ltd, United Kingdom: KindLink is a SaaS platform that helps businesses manage their Corporate Social Responsibility (CSR), Sustainability, ESG initiatives, fundraising, and volunteering efforts. All while engaging employees and showcasing the corporate social impact to external stakeholders.
  • Aircash, Croatia: Aircash is a mobile digital wallet providing instant money transfers, payments, and gift cards, enabling users to manage cash and digital transactions in one app.
  • Eye Security, Netherlands: A cybersecurity platform providing managed detection and response (MDR), 24/7 SOC services, incident response, and cyber insurance for European businesses.
  • Inveztly, Sweden: Inveztly’s cloud-based, accessible, and adaptive software comprises a multifunctional set of financial tools that daily assist users throughout the entire investment process.
  • Synergy AI SRL, Belgium: AI-powered deal origination platform for M&A advisors to find strategic targets and generate intelligence.
  • Scalable Capital, Germany: A leading digital investment platform offering commission-free trading in stocks, ETFs, and crypto, alongside automated robo-advisor services.
  • Tot., Italy: Tot is an Italian fintech building the financial operating system for SMEs and startups. We offer business accounts, smart payment cards, invoice management and expense management tools designed to simplify finance operations and support sustainable growth.
  • Netalia, Italy: Netalia is a cloud provider based in Italy with 15 years of experience in data sovereignty. Cloud Native and OpenStack platforms.
  • Aardwark, Slovakia: A technology and consulting company specializing in BPM, IBM solutions, DevOps, AI, and cloud technologies with over 12 years of experience.
  • Reiterate, Estonia: Reiterate OS is an AI-powered operating system for finance teams. It sits alongside your existing tools and files and turns manual, repetitive financial processes into automated and auditable workflows. Built to handle large amounts of financial data, Reiterate OS automates everything from data preprocessing and core accounting operations to financial close and FP&A, while prioritizing accuracy and auditability.
  • Gethly, Czech Republic: Gethly is a hosting and sales platform for digital content creators.
  • POM, Netherlands: POM provides professional debt management and invoice collection software solutions to streamline billing, payments, and follow-ups.
  • ovnwork, Denmark: Europe's Freelance Employer Register. Match. Contract. Work insured. Invoice. Get paid. Stay compliant. A one-stop platform to market, bring or find clients, send offers, negotiate and close deals, invoice, and get paid as salary. And remain your own boss. You don´t need your own company. You are not on your clients payroll. Freelancers own their own work while we offer and handle all work compliance, employment benefits and admin.
  • Mambu, Netherlands: We are the world’s only true SaaS cloud banking platform and the founders of composable banking. Since 2011, we’ve helped banks, fintechs, lenders, credit unio
  • DFRNT, Sweden: DFRNT provides the evidence layer of the modern enterprise, allowing humans and agents to to trust numbers and make correct, justified statements and decisions.
  • SmartPayNet, United Kingdom: Global payment gateway and payment processing platform for secure international payments, merchant accounts and cross-border payouts.
  • Qurater, Romania: Qurater provides food delivery analytics and automation tools for restaurants to boost sales on platforms like Glovo, Bolt Food, and Wolt.
  • BR-DGE, United Kingdom: BR-DGE provides a modular payment orchestration platform that enables merchants to integrate multiple payment providers and streamline their checkout experience.
  • Leapter GmbH, Germany: Leapter empowers domain experts to create, validate, and orchestrate AI-powered automation through visual, deterministic logic. Instead of trusting LLMs to improvise critical business decisions, teams build verified blueprints that AI agents call as tools, same input, same output, every time. Designed for regulated industries (banking, insurance, manufacturing) where compliance, auditability, and governance are non-negotiable. AI-generated, human-verified, enterprise-ready.
  • Pliant, Germany: Pliant offers a digital B2B credit card solution designed to help businesses optimize their payment processes and expenses.
  • Gatling, France: Gatling provides a performance and load testing solution with AI-powered analysis, CI/CD automation, and observability for modern applications.
  • Hybridity, Sweden: Hybridity offers Hy5, an AI-native compliance platform that automates the management of EU regulations like the AI Act, CSRD, and DORA.
  • Spreat GmbH, Germany: Spreat is disrupting the commerce industry by transforming every store into a physical marketplace
  • Sistemi S.p.A., Italy: Develops software and services for professional firms, accountants, labor consultants, lawyers, and businesses, with 50 years of experience in the Italian market.
  • WeTicket, Netherlands: An all-in-one ticketing solution offering marketing tools, statistics, scanning apps, and website integrations for event organizers.
  • Bandit, Italy: Bandit is the Italian platform that optimises the work of consultants, simplifying the entire application process for subsidised finance tenders. We reduce the time required to access public funds by 96% and cut application costs by 75%. As a Benefit Corporation, we work for those who work: we make consultants more efficient, increase their margins and allow them to serve more clients with less effort, lowering costs for individuals and multiplying funding opportunities.
  • Diabolocom GmbH, France: Diabolocom provides AI-powered cloud contact center solutions designed to boost automation, agent productivity, and customer experience.
  • secupay AG, Germany: secupay is a payment service provider for online shops, platforms, and point-of-sale businesses, also offering customer loyalty programs.
  • ingage IR Poland, Poland: Provides an integrated investor relations CRM, feedback, and corporate access software platform for global customers.
  • Procuros, Germany: Procuros provides a tech platform that integrates supply chain partners and automates procurement processes for seamless B2B transactions.
  • Keeyns, Netherlands: Keeyns centralises tax operations for international and multi-entity companies. One platform connecting workflows, documents and governance for total visibility and control.
  • FINTEXIS, Romania: Fintexis is a Romanian company specialized in software and enterprise architecture, focused on aligning technology with real business needs. It delivers enterprise, solution, cloud, and security architecture capabilities, supporting organizations in designing scalable, secure, and maintainable systems through clear assessments and actionable direction
  • Deploi, Sweden: Deploi provides institutional credit infrastructure, architecting scalable, asset-backed financial products for blockchain to offer fixed yield and access to private credit products for investments.
  • Mobile Identify by Bastion, Ireland: Bastion provides secure mobile identity verification and fraud prevention solutions to enhance customer safety and authentication security.
  • ONINO GmbH, Germany: ONINO provides a white-label platform for issuing digital securities and tokenized assets, featuring KYC, compliance, and investor onboarding across the EU.
  • Swipelux, Estonia: Swipelux is a stablecoin infrastructure provider powering fintechs, neobanks, and remittance companies with fast, low-cost cross-border payments.
  • Rozes AI, Italy: Rozes AI provides the best platform for automated financial crime risk detection and compliance monitoring using advanced data analytics and AI.
  • Foundbase, Denmark: One platform to run your startup. Avoid juggling multiple tools.
  • Boniforce, Germany: Boniforce delivers AI-powered real-time credit checks, combining financial and onlinedata to help companies assess risk, build trusted B2B relationships.
  • OneID, United Kingdom: OneID provides next-generation digital identity verification and orchestration solutions using bank-verified data, telco and government ID sources to secure online transactions.
  • Peaky, Belgium: Peaky helps founders and finance teams stay ahead of every shift in their business.
  • Finspacer, Austria: Finspacer supports asset managers in informing their investors through a centralized portal, structured document management, and controlled information distribution, particularly in private banking environments. It enables efficient, compliant, and professional investor communication across all relevant channels.
  • Oper Credits, Belgium: Oper is a digital mortgage origination platform that helps financial institutions digitize and streamline their mortgage lending processes.
  • Field39, Croatia: Field39 provides cutting-edge, cloud-based payment infrastructure solutions through its Cloud39 platform to ensure seamless and secure transaction processing.
  • Avido AI, Denmark: Avido is the AI assurance layer for regulated financial services, helping enterprises move AI from pilots to production and keep it performing.
  • Synergen, Spain: Synergen provides transfer pricing automation and cash pool management software, enabling precise, automated arm's length interest rates and OECD compliance.
  • Private, non-commercial Freeware software author, Germany: Freeware (closed source) for viewing and visualizing electronic invoices according to the european e-invoicing norm EN 16931-1. For data protection reasons, the software is designed exclusively for offline use.
  • Pynn AI, Spain: Pynn AI builds white-label plug-and-play software for innovation stakeholders to assess startups at scale, and uses its database to match startups with investors, incubators, accelerators, corporate innovators, grants/subsidies and more. The intelligence layer for early stage innovation.
  • iCard, Bulgaria: A digital wallet providing financial services including money transfers, secure online payments, and virtual or physical cards through a mobile app.