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Germany’s 101 Fastest Growing FinTech Startups

At Fintech Energy we track over 200,000 fintech startups and over 1,000,000 people who hold key positions in these companies. We use this directory of startups to highlight top employees, founders and organisations we think deserve more appreciation than they are currently getting.

We’ve ranked the top 101 FinTech companies in Germany. The companies, startups and institutions listed in this article are all exceptional companies, well worth a follow. We have included links to their websites, socials and CrunchBase (if you’re interested in their financials).

We selected the organisations listed in this article based on:

  • Track record
  • Executive leadership
  • Market share
  • Innovation
  • ESG rating

Our Data – We source our data from OSINT (open source intelligence) and public directories such as CrunchbaseSemRush and many more. The data from these sources should be treated with a degree of caution and verified yourself.

Top FinTech Companies & Startups (Germany)


Monite

FoundersAndrey Korchak, Ivan Maryasin
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Monite lets B2B brands embed Invoicing, AP Automation, Expense Management, and more, into their existing interface in 3-4 weeks.


Moonfare

FoundersAlexander Argyros, Heinrich von Liechtenstein, Steffen Pauls, Steffen Pauls
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Moonfare provides access to top-tier private markets investment opportunities through a technology-enabled platform.


Xempus AG

FoundersMartin Bockelmann
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Xempus is a leading European pension & life insurance distribution platform.


wefox

FoundersDario Fazlic, Fabian Wesemann, Jonathan Seoane, Julian Teicke, Teodoro Martino
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wefox is a digital insurance company with tech enabled human agents.


Forget Finance

FoundersJurek Herwig, Konradin Breyer
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Forget Finance provides a personal finance coach that manages your entire financial life – with personalized guidance and automation.


Zeitgold

FoundersJan Deepen, Kobi Eldar, Stefan Jeschonnek
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Zeitgold is a Berlin-based AI company providing a complete solution for financial administration of small businesses.


Myos

FoundersBenjamin Schickert, Frane Bandov, Mark Hartmann, Nikolaus Hilgenfeldt, Tim von Hörsten
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Rethinking working capital | Myos helps merchants of all kind grow to scale, fully digital, flexible and without personal guarantees


Exporo

FoundersBjorn Maronde, Julian Oertzen, Simon Brunke, Tim Buetecke
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Exporo is an online platform for real estate investments.


Kadmos

FoundersJustus Schmueser, Sasha Makarovych
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Cross-border blue-collar salary payments


CANDIS

FoundersChristian Ritosek, Christopher Becker, Garik Suess
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CANDIS is Berlin-based company that offers an intelligent platform for automated accounting.


Spotcap

FoundersJens Woloszczak, Toby Triebel
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Spotcap empowers SMEs with tailored finance, allowing them to focus on their business.


Heliad Equity Partners

FoundersFalk Simon Schaefers
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Heliad Equity Partners (ISIN: DE000A0L1NN5) is a growth equity company investing across verticals and regions pre-, at-, and post-IPO.


Finiata

FoundersDaniel Schlotter, Kenan Deniz, Naveen Prasad, Sebastian Diemer
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Finiata provides working capital financing for freelancers and SME’s over a fully automated data driven scoring technology.


Monedo

FoundersAlexander Müller, Sebastian Diemer
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Monedo uses machine-learning technologies to provide access to better credit for the underbanked.


nextmarkets

FoundersDominic Heyden, Manuel Heyden
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nextmarkets is Europe’s commission-free online broker


insureQ

FoundersAlexander Marius Le Prince, Iven Schorr, Johannes Breulmann, Laibing Yang, Luisa Müller-Wittmann
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InsureQ is an insuretech startup that offers insurance tailored to SMEs’, freelancers’, and startups’ needs.


Airbank

FoundersChristopher Zemina, Patrick de Castro Neuhaus
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Airbank is an all-in-one finance platform for SMBs in Europe.


Elinvar

FoundersChris Bartz, Marco Neuhaus, Sebastian Böttner
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Elinvar enables asset and wealth managers to digitalize their business models by providing the required Platform as a Service.


OptioPay

FoundersMarcus Borner, Mike Rötgers, Moritz Claussen, Oliver Neumann, Oliver Oster
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OptioPay is an open banking technology provider for customer-centric and value-add solutions based on bank account data.


FinCompare – Smarter Business Finance

FoundersNicolay Ofner, Sarp Dag Demirel, Stephan Heller
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FinCompare is a SaaS enabled marketplace. Helping advisors and businesses to find, compare, and close the financing solutions.


HAWK:AI

FoundersTobias Schweiger, Wolfgang Berner
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Money-laundering detection & investigation platform. SaaS, Cloud, Artificial Intelligence, Machine Learning.


portagon

FoundersJamal El Mallouki, Johannes Laub
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portagon provides a SaaS technology platform that enables financial intermediaries and businesses to raise capital online.


simplesurance

FoundersFelix Jankowski, Ismail Asci, Joachim von Bonin, Patrick Frey, Robin von Hein
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Simplesurance creates a platform for simple access to insurance to combine traditional insurance industries with digital business.


Vane

FoundersChristopher Vogt, Gregor Dimitriou
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Vane is a technology-enabled finance provider dedicated to global digital media companies.


Payworks

FoundersChristian Deger, David Bellem, Johannes Lechner, Simon Eumes
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Payworks provides payment gateway technology for the POS.


Unstoppable Finance

FoundersMaximilian von Wallenberg-Pachaly, Omid Aladini, Peter Grosskopf
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Unstoppable Finance is building a next-gen crypto wallet to bring DeFi to retail investors globally.


wajve

FoundersBastian Krautwald, David Meyer
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wajve offers all financial services like banking, advice and education in one app.


Remagine

FoundersJulia Profeta Johansson, Sebastian Dienst
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Remagine offers the world’s first purpose-driven, digital business accounts


RightNow

FoundersBenedikt Martin Quarch, Phillip Eischet, Torben Antretter
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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.


finleap connect

FoundersRamin Niroumand
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finleap connect addresses the fragmented open banking landscape with a full-stack platform.


COMPEON

FoundersFrank Wuller, Kai Boringschulte, Nico Peters
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COMPEON is the product and vendor-independent full-service provider for SME financing.


FinTecSystems

FoundersDirk Rudolf, Stefan Krautkrämer
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FinTecSystems is an infrastructure Fintech for open banking and account data analysis


wealthpilot

FoundersDaniel Juppe, Marco Richter, Matthias Schmitt, Stephan Schug
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wealthpilot enables professional advisors to deliver a data-driven and truly personal wealth management.


Clark

FoundersChris Lodde, Christopher Oster, Garrett Whitmore, Marco Adelt, Steffen Glomb
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Clark is an insurance platform that provides full insurance cover.


topi

FoundersCharlotte Pallua, Estelle Merle
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Topi is a fintech company that offers digital payment solutions for business sellers and buyers.


PAIR Finance

FoundersChristine Kiefer, Stephan Stricker
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PAIR Finance is the leading AI-based Fintech for debt collection and receivables management in Germany.


Bitbond

FoundersJürgen Walter, Radoslav Albrecht, Robert Nasiadek
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Compliant tokenization and digital asset custody enterprise software.


bonify

FoundersAndreas Bermig, Gamal Moukabary, Jan Ortmann, Josef Korte
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Bonify is a Fintech startup based in Berlin that offers credit scoring tools and services to its users.


Hepster

FoundersAlexander Hornung, Christian Range, Hanna Bachmann
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Hepster is an insurtech company that develops customized insurance products and integrates them into digital processes and systems.


FinLab

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


getquin

FoundersChristian Rokitta, Raphael Steil
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getquin is the social network for investors.


Wiwin

FoundersUnknown
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Wiwin is a financial service company based in Mainz, Germany.


IONIQ

FoundersHanno Fichtner, Hendrik Krawinkel, Jan Beckers, Ruben Haas, Tim Koschella
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IONIQ is an internationally active platform builder with the mission of shaping Europe’s digital future.


The NAGA Group

FoundersBenjamin Bilski, Yasin Sebastian Qureshi
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NAGA AG Group is a German-based fintech company founded in 2015 and publicly listed on the Frankfurt Stock Exchange.


Penta

FoundersAleksandar Orlic, Igor Kuschnir, Jessica Holzbach, Lav Odorovic, Luka Ivicevic, Matteo Concas, Sir Gabriel Holbach
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Penta is a digital business bank platform designed to help startups and SMEs save time and money on banking.


Invesdor Deutschland (Kapilendo AG)

FoundersChristopher Gratz
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Invesdor (formally Kapilendo) offers investors to invest online in selected and audited investment projects of companies.


Carl

FoundersKurosch Daniel Habibi, Pascal Stichler
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Carl Finance provides a platform for the acquisition and divestment of small and medium-sized businesses.


ExpressSteuer

FoundersDennis Konrad, Konstantin Loebner, Maximilian Graf Lambsdorff, Mehdi Afridi
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AI-powered software automating the process of filing a german tax return


CURE

FoundersAlexander Bernstein, Martin Buhl, Stefan Weiss
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CURE – Digital Banking for Health Professionals


PAYMILL

FoundersMark Henkel
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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.


Finanzcheck.de

FoundersMoritz Thiele
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Finanzcheck.de is a leading, independent online comparison portal for installment loans and private financial products.


RIDE Capital

FoundersChristine Kiefer, Felix Schulte
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Digital wealth management for the next 9%


rubarb

FoundersFabian Scholz, Jakob Scholz, Kelvin Craig
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More money for your dreams


Blocksize Capital

FoundersChristian Labetzsch, Christoph Impekoven
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Crypto currency trading, SaaS for Digital Assets, Digital Asset infrastructure, Blockchain


finway

FoundersCsaba Krümmer, Jennifer Dussileck, Philipp Rieger
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finway provides financial guidence to SMEs, plan & control all expenses and budgets in one tool.


figo

FoundersAndré M. Bajorat
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figo is a banking service provider.


Atlantic Labs

FoundersChristophe Maire
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Atlantic Labs is an early-stage venture capital investment firm that is based in Berlin, Germany.


Brickblock

FoundersJakob Drzazga, Martin Mischke
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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


Companisto

FoundersDavid Rhotert, Tamo Zwinge
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Companisto is an equity crowdinvesting platform for startups.


Modifi

FoundersJan Wehrs, Nelson Holzner, Sven Brauer
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Modifi empowers small and medium-sized businesses to trade internationally with digital trade financing.


Traxpay

FoundersMarkus Rupprecht
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Traxpay is a fin-tech platform that provides supply chain finance, dynamic discounting and reverse factoring services to corporate clients.


Naga

FoundersBenjamin Bilski, Yasin Sebastian Qureshi
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Naga AG Group is a German-based fintech company founded in 2015 and publicly listed on the Frankfurt Stock Exchange.


Moss

FoundersAnte Krsanac, Ante Spittler, Anton Rummel, Max Meyer, Stephan Haslebacher
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The corporate credit card built for your entire spend.


CRX Markets AG

FoundersCarlo Kölzer, Moritz von der Linden
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CRX Markets is Europe’s leading marketplace for working capital financing.


Prestatech

FoundersChristian Nothacker, Luca Terragni
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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.


Acton Capital

FoundersChristoph Braun, Frank Seehaus, Jan-Gisbert Schultze, Paul-Bernhard Kallen
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Acton Capital is a leading growth venture capital investor in tech-enabled business models, headquartered in Munich, Germany.


anybill

FoundersLea Frank, Tobias Gubo
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We provide technology and infrastructure to create smart added value for the connected POS of the future.


OneFor

FoundersIlir Aliu
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OneFor operates as a fintech enterprise.


ryd

FoundersJohannes Martens
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ryd is a cross-brand solution for mobile payments directly at the gas pump.


ayondo

FoundersFabian John
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RSQ Technology Ventures GmbH – Legacy heritage and since 2019 benefitial owner of the asset portfolio associated with the brand ayondo.


CryptoTax

FoundersKlaus Himmer, Magnus Berchtold, Vladimir Tosovic
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Tax reporting and compliance solutions for all digital assets.


Raisin

FoundersFrank Freund, Michael Stephan, Tamaz Georgadze
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Raisin is a savings and investment marketplace that connects retail customers with banks looking to expand deposit reach.


Evercity

FoundersAlexey Shadrin, Elizaveta Romanova
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Digital platform for impact measurement & investment. Techstars + ABN AMRO Future of Finance Accelerator alumni.


Denario

FoundersUnknown
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Denario is an integrated B2B Payments experience that helps SMBs & Startups improve their cash flow.


Finanzchef24

FoundersFelix Schollmeier, Hendrik Rennert
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Finanzchef24 offers entrepreneurs and self-employed in Germany digital commercial insurance via its independent online comparison platform.


coindex

FoundersKai H. Kuljurgis, Sergio M. Pereira
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Indexbased crypto investment for anyone


flatex

FoundersBernd Fortsch
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flatex AG is a financial technology innovator in Germany.


FINEXITY AG

FoundersHenning Wagner, Paul Huelsmann
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Germany‘s first blockchain-based real asset investment platform.


Vantik

FoundersLara Hammerle, Til Klein
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Vantik is the first mobile retirement account to boost your confidence in your financial future.


flatex

FoundersBernd Fortsch
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flatex AG is a financial technology innovator in Germany.


Vantik

FoundersLara Hammerle, Til Klein
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Vantik is the first mobile retirement account to boost your confidence in your financial future.


DingoDot

FoundersPeter Capkovic, Peter Fusek
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Virtual CFO for SMBs: Time is Money. Get Both. Automate payments nad make cash work. #fintech #SaaS #AI #crypto #B2B #openbanking #PSD2


Tapline

FoundersDean Hastie, Peter Grouev
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SaaS Finance Platform


Vaamo Finanz AG

FoundersOliver Vins, Thomas Bloch, Yassin Hankir
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Vaamo Finanz AG provides automated investment solutions and financial advice to its clients.


re:cap

FoundersJonas Tebbe, Paul Becker
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re:cap creates a subscription economy financial marketplace.


Fraugster

FoundersChen Zamir, Max Laemmle
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Fraugster is a German-Israeli anti-fraud company that uses artificial intelligence to eliminate fraud and increase customers’ profits.


Auxmoney

FoundersPhilip Kamp, Philipp Kriependorf, Raffael Johnen
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Auxmoney is an online peer-to-peer loan marketplace created to offer a means of exchange between people.


Nuri

FoundersBenjamin Jones, Jan Goslicki, Jorg von Minckwitz, Niels Doerje
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Nuri empowers people to manage and grow their wealth through innovative technologies.


CrossLend

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


iFunded

FoundersMichael Stephan
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iFunded is a marketplace for global online real estate investments for institutional and private investors.


Getsafe

FoundersChristian Wiens, Marius Simon
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Getsafe is on a mission to reinvent how people do insurance, building the radically best insurance experience at their fingertips.


DTCP

FoundersThorsten Langheim, Vicente Vento
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DTCP is an investment management firm focused on growth equity and digital infrastructure.


Etvas

FoundersIlie Ghiciuc, Sören Timm
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Etvas is a digital marketplace for value-added services.


Quantumrock

FoundersMichael Morsch, Stefan Tittel
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Adaptive Investment Programs for the Asset Management Industry.


Taxdoo

FoundersChristian Königsheim, Matthias Allmendinger, Roger Gothmann
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Taxdoo is an automated financial compliance platform developing a sales-tax automation software to manage sales tax in online retail.


VAI Trade

FoundersGarry Krugljakow
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VAI is a digital supply chain financing solution company in Europe for SMEs.


Bilendo

FoundersFlorian Kappert, Jakob Beyer, Markus Haggenmiller
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Most companies waste resources to collect and manage their receivables. Bilendo helps to secure these resources and to make good decisions.


Tidely

FoundersArchibald Sheran, Jörg Haller, Niclas Storz, Stefan Tuschen
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Tidely is a liquidity planning software with artificial intelligence


Acatus

FoundersBernd Schmid, Christoph Schellkes, Daniel Wigbers, Marie Louise Seelig
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Acatus is a financial services company that offers a debt capital markets platform for banks and other organizations.


Revent

FoundersBenjamin Otto
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Revent is a tech fund backing mission-driven founders addressing the biggest challenges of our time.


Savedo

FoundersChristian Tiessen, Steffen Wachenfeld
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Savedo is the one-stop-shop for retail investment products in Europe.

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