Spain’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 Spain. 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 Crunchbase, SemRush and many more. The data from these sources should be treated with a degree of caution and verified yourself.

Top FinTech Companies & Startups (Spain)

Octopus Investments

Founders	Chris Hulatt
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

Octopus Investments is an venture capital investment firm

Pagantis

Founders	Marta Plana, Pascal Pegaz-Paquet, Rolf Cederström
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

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

Lana

Founders	Alvaro Jara Chavarría, Carla Cardoso, Juan Camilo Pineda, Juan De Antonio, Mark Villacampa, Pablo Muniz, René Galindo, Sam Lown
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

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

WiPay

Founders	Aldwyn Wayne
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

WiPay is an innovative provider of electronic payment solutions.

Goin

Founders	Carlos Rodríguez Antón, David Riudor, Gabriel Esteban Gullón
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

Goin is a mobile application to save money easily and take advantage of it without knowing how to invest.

Voltz Labs

Founders	Artur Begyan, Simon Jones
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

Voltz Labs is a defi primitive that empowers leveraged interest rate swaps.

Reloadly

Founders	Emmanuel Piard, Michel Francis
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

Payment APIs for mobile airtime and digital prepaid value

Unnax

Founders	Jordi Pérez, Julian Díaz-Santos
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

Unnax offers bank aggregation, payments, onboarding, and e-money services through a single API.

Bit2Me

Founders	Andrei Manuel, Leif Ferreira
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

Suite of blockchain services for exchanging cryptocurrencies and boost the adoption of Bitcoin

StudentFinance

Founders	Mariano Kostelec, Marta Palmeiro, Miguel Santo Amaro, Sergio Pereira
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

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

Atani

Founders	Haydee Barroso Bañales, Paul Barroso
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

Atani is the one-stop crypto trading platform: trading on 20+ exchanges, integrates technical analysis tools and automates tax reporting.

Startupxplore

Founders	Javier Megias, Nacho Ormeño
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

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

Cleverea

Founders	Alvaro Sanz Perez, Javier Bosch Liarte, Joan Bosch Liarte
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

P&C Neo-insurer. We design, develop, underwrite, distribute (B2C & B2B2C) and manage disruptive insurance across the whole customer journey.

WEECOVER

Founders	Jordi Pages, Rafael Gallardo
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

Weecover facilitates online and digital insurance on-boarding processes for Companies, Customers and Distribution partners.

TaxDown

Founders	Alvaro Falcones Muñoz, Enrique García Moreno, Joaquin Fernandez
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

TaxDown is a Spanish startup that eases the income tax return filing process for taxpayers.

Ninety Nine

Founders	Javier Sanz Álvarez
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

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

anfix

Founders	Amine Khadmaoui, Jorge Pascual
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

Anfix is an accounting, invoicing and HR cloud software designed for advisors and small business/professionals

Arbor Fintech

Founders	Ignacio Bautiste Cuervo, Nicholas Edward Salguero, Samuel Benelbas
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

Arbor is a 360 degree financial wellness platform helping users to save, invest and cut debt through

Finizens

Founders	Alfonso de Leon, Francisco Velazquez, Giorgio Semenzato, Martin Huete
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

Wealth management firm offering a 100% digital robo-advisor investment service through globally diversified, low-cost index fund portfolios.

Neo (getneo.com)

Founders	Emmanuel Anton, Ian Yates, Laurent Descout, Nuria Molet
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

Cash management and FX Hedging SaaS. We build bespoke FX hedging and cash management solutions for corporates across EU.

All Iron Ventures

Founders	Ander Michelena, Jon Uriarte
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

AIV invests in the early stages of European companies that aspire to reshape the future of consumers and enterprises through technology.

Alma Mundi Ventures

Founders	Javier Santiso, Rajeev Singh-Molares
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

Alma Mundi Ventures is a venture capital firm that funds primarily technology-based companies with B2B and B2B2C business models.

Nemuru

Founders	Enric Gilabert, Natalia Piccinin, Pere Monràs
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

A technology platform that revolutionizes the way people pay for products and services.

Ibancar

Founders	Alexander Melis
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

Specialist online asset backed lender offering consumer loans to clients with difficult credit history

Declarando

Founders	Juanjo Traver, Marta Zaragozá, Vicente Solsona
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

Declarando is a tax consultancy that helps the self-employed keep accounts, prepared invoices, and present taxes.

Coverfy

Founders	Vicente Arias
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

Coverfy is an insurtech startup on a mission to make insurance easy for everyone.

Capital Cell

Founders	Daniel Oliver
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

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

Aplazame

Founders	Daniel Molina, Fernando Cabello, François Derbaix
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

Aplazame is a consumer credit company that provides instant financing service for online purchases.

EthicHub

Founders	Gabriela Chang, Jori Armbruster, Raul Martinez
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

Blockchain-based P2P platform connecting profitable small farming communities with lenders and product buyers.

Uelz

Founders	Maria Luque, Xandra Etxabe Arroyo
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

Uelz automate & route payment collection by integrating the solution with multiple payment gateways.

Banco Bilbao Vizcaya Argentaria

Founders	Carlos Torres Vila
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

Banco Bilbao Vizcaya Argentaria is a global financial services group that offers the a range of services to customers and companies.

HUBUC

Founders	Hasan Nawaz, Ignacio Javierre
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

A single API-platform which allows any business to embed financial services capabilities into their products.

Verse

Founders	Alex Lopera, Bernardo Hernandez, Borja Rossell, Dario Nieuwenhuis
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

Verse offers a payments platform that allows users to share payments easily, instantly, and with no hidden fees.

Afterbanks

Founders	David Lozano
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

Subsidiary of Minsait, an Indra company, aggregates bank data and initiate payments. Authorized by the UK FCA to operate as PISP and AISP.

Fuell

Founders	Daniel Seijo, Eduardo Ortiz de Lanzagorta Gonzalez
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

A radically better corporate card for your business. Say goodbye to expense reports while you get credit limits that grow with you

Divilo

Founders	Juan Guruceta
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

Divilo is a B2B financial platform for companies and the self-employed.

bnc10

Founders	David Montanyà, Jordi Domínguez
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

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

Fellow Funders

Founders	Francisco Mariscal, Guillermo Azqueta
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

Fellow Funders is an independent firm with the goal of accompanying SMEs and Startups in their plans for expansion and consolidation.

Flanks

Founders	Alvaro Morales de Cano, Joaquim De la Cruz, Sergi Lao
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

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

2gether

Founders	Luis Estrada, Salvador Casquero Algarra
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

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

Housers

Founders	Alvaro Luna, Antonio Brusola
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

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

Mitto

Founders	Marcos Cuevas
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

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

Lucas

Founders	Jorge Arturo Cáceres, Steven Aitkenhead
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

Lucas is introducing a new and accessible way into homeownership to millennials through a Rent to Buy model

Balio

Founders	Gerard Bernal, Guillem Roig Collell, Sergi Benet
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

Personal Finance Manager and Investing

LIBEEN Smart Housing

Founders	José Manuel Cartes González, Sofía Iturbe Cobos
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

We make homeownership flexible and affordable for millennials thanks to the #SmartHousing model.

Bewater Funds

Founders	François Derbaix, Ramon Blanco Duelo, Unai Ansejo
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

Private securities investment for professional investors, with liquidity

Captio

Founders	Dan Moser, Joaquim Segura, Joel Vicient, Lluís Claramonte
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

Captio enables companies and their employees an improved control of their expenses and the discovery of new savings opportunities.

Polaroo

Founders	David Rovira, Marc Rovira, Sergio Sanchez
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

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

IDC Ventures

Founders	Bobby Aitkenhead
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

IDC Ventures is a venture capital fund investing in early and growth-stage Internet and technology-enabled companies.

StockCrowd

Founders	Javier Villacampa, Sergi Pallarès
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

StockCrowd is a software company that develops the Financial Crowd Management (FCM) software.

HeyTrade

Founders	Benito Méndez Sánchez, Luis Maldonado, Ramiro Martinez-Pardo
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

Next gen open banking investment platform

Coinscrap

Founders	David Conde Sayans
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

Coinscrap is a financial technology solutions for banks and insurance company.

Card Dynamics

Founders	Mario Cantero
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

Card Dynamics is a Issuer and Merchant partner for the subscription economy.

Payflow

Founders	Avinash Sukhwani, Benoit Menardo
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

Payflow is a fintech firm that allows employees to instantly access earned wages through a mobile app.

Paymefy

Founders	Guillem Sarlé, Olivier Marquès de Brito, Quim Zurano Gallart
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

Paymefy provides AI debt collection solution that helps in recovering more money faster and at a lower cost.

Dost

Founders	Adam Barbera, Fernando Martin, Naqqash Abbassi
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

Dost automates the process of incoming supplier invoices to help CFOs and Finance Managers of mid-size and large companies.

ClimateTrade

Founders	Francisco Benedito, José Lindo, Juan Boluda, Pedro Ramon Lopez Garcia
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

ClimateTrade is a blockchain platform for carbon offsetting. In 2018 launched the first Carbon API in the world

Worldcoo

Founders	Aureli Bou, Sergi Figueres Moret
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

Worldcoo is a social company aimed at funding NGO projects through omnichannel committed companies and their users.

Fundsfy

Founders	Antonio Brusola, Santiago Vernetta, Thomas Judge
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

Fundsfy brings together banking services plus an investor’s marketplace to manage the money and make it grow all from one place.

Preseries

Founders	Arturo Moreno, Javier Alperte
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

PreSeries takes advantage of Machine Learning to transform startup investing into a successful data-driven practice

LoanBook Capital

Founders	James Buckland, Octavio Soler
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

Online marketplace lending platform

Finanbest

Founders	Asier Uribeechebarria, Frederic Dupuy
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

Finanbest is a B2C and B2B robo advisor that provides financial advice and online portfolio management.

TRADEASY

Founders	Cristian Gomez
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

Saas trading builder platform

elsa.care

Founders	Alvaro Martinez Esteban, Ignacio Jimenez LaIglesia, Luis Jimenez de Laiglesia, Teresa Basterra Martinez
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

elsa.care is a platform that offers migrant workers commission-less services and cash remittances for their loved ones back home.

Ritmo

Founders	Ivan Peña Uribe, Iñaki Mediavilla, Pablo Gasalla, Raimundo Burguera
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

Ritmo helps digital entrepreneurs grow faster, through non-dilutive funding and growth tools.

Finteca

Founders	Carlos Blanco, Marc Torres, Silvia Escamez Romero
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

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

Livetopic

Founders	Alejandro Mariño, Antonio Casal Rey, Pablo Sixto Gulín
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

Livetopic is a online financial advisor that performs a detailed and independent analysis of your financial situation.

Bewa7er

Founders	François Derbaix, Ramon Blanco Duelo, Unai Ansejo
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

Bewa7er is a Fintech Venture Builder with currently 3 projects under way: Indexa Capital, Indexa Lending and Bewater Fund.

CryptoTechFin

Founders	Gonzalo Del Cerro Avalos, Miguel Pagán Murphy
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

We are an R&D incorporated company that applies its technological development (investment algorithms, big data solutions) to obtain profits.

Advancing

Founders	Cristian Pujo
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

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

Zank

Founders	Leonardo Ramírez, Luis Reig, Oriol Chimenos
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

Zank is a platform where borrowers and lenders come together to make intelligent use of their money.

Trioteca

Founders	Ricard Garriga
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

Trioteca is the digital advisor that helps you to get your best mortgage in Spain

eSignus

Founders	Daniel Hernandez Rogriguez, Jose Ramon Sendra
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

eSignus delivers recognized and truly secure user experiences for the custody of private keys.

Wenalyze

Founders	Carlos Albo, Roger Ferrandis
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

Wenalyze, works for the Banking and Insurance sector based on AI to better know their SMEs clients and better rate their risks

ADA IMPACTO

Founders	Alexa Varsavsky, Isabel Oriol
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

Conversational financial companion for unbanked women

SEGO FINANCE

Founders	Javier Villaseca Sánchez
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

Sego Finance is a fintech company that provides digitalized solution for investments in startups, real estate and SMEs.

Micappital

Founders	Borja Nieto, Carlos Bernabeu Juan, Miguel Camiña
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

Micappital automated savings and investments manager in Spain

PIGARI

Founders	Hasan Nawaz, Ignacio Javierre
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

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

Rebellion Pay

Founders	Sergio Cerro
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

Neobank of the Gen Z and Millenial generations

Cobee

Founders	Borja Aranguren Herrera, Daniel Olea Martin, Nacho Travesi
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

Cobee is a Spanish fintech startup that develops an online platform that automates and simplifies employee benefits management.

Tickendy

Founders	cesar de pablo huete
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

Tickendy is the world’s first contactless digital receipt processing & analytics platform.

Pensumo

Founders	Jose Luis Oros Pineda
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

Pensumo seeks to implement in Europe a savings model by measuring personal consumption and measuring responsible actions.

Zero1

Founders	Ernesto Corral, Jose Antonio Fernandez, Ramiro Martinez-Pardo
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

Early Supply Chain financing to help businesses thrive

Socilen

Founders	Aitor Ruiz de Alegria Galparsoro, Alvaro Castrejana Irazola, Javier Quetglas
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

Socilen is collective funding platform that connects families or SMEs that need financing with investors willing to finance.

fintonic

Founders	Aitor Chinchetru, Lupina Iturriaga, Marcos Icardo, Sergio Chalbaud
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

Fintonic is a free application that enables anyone to organize accounts and saving money.

Fintech Payments | The first marketplace of Fintech & Insurtech solutions

Founders	Francisco Romero de Ávila
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

Fintech Payments is a Fintech & Insurtech solutions marketplace with a presence in more than 33 countries.

Finanzarel

Founders	Jorge Bustos, Paulino De Evan
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

Finanzarel is an online marketplace where companies meet investors to solve working capital needs.

Beseif

Founders	Alberto Aznar Ibarra, Silvia Romero Pérez
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

Beseif is a web platform that allows managing secure sales between individuals.

BBVA

Founders	Carlos Torres Vila
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

BBVA is a financial company that provides a variety of banking services online.

Ábaco Latam

Founders	Victoria Blanco Alegria
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

Ábaco Latam operates as a SaaS fintech company.

Combine

Founders	Denis Moskalets, Irakli Agladze
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

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

MYMOID

Founders	Unknown
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

MYMOID is a mobile payment service characterized by its ease of use and security of all your transactions.

Feelcapital

Founders	Antonio Banda
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

Feelcapital is an advisor theft and web platform that provides personalized advice in investment funds and pension funds.

DUNFORCE

Founders	Alban Sauvanet
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The smart collection agent that simplifies and accelerates the payment of your receivables.

Besepa

Founders	Alberto Molpeceres, Gonzalo Valverde
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Besepa is a FinTech startup that offers a technology platform.

ID Finance

Founders	Alexander Dunaev, Boris Batine
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

ID Finance is a FinTech company specializing in online lending in emerging and growing markets.

tugesto

Founders	Lidon Serra, Manuel Fandos
Follow	Website, Crunchbase, Twitter, Facebook, Linkedin

tugesto is a legal and fintech consultancy firm that specializes in SMEs, freelancers, and startups.

easyGOband

Founders	Benjamín Garcés Saura, Christian Bongardt
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easyGOband is a Enterprise software for access control and cashless payments’ wearables.

SeeDCash

Founders	Ignacio Avila Nunez, Teresa Nunez
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SeeDCash is a liquidity management for small businesses, startups and freelancers.

Bankinter

Founders	Héctor Esteban Moreno
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Bankinter is a commercial bank with a Venture Capital program investing in startups

Arboribus

Founders	Carles Escolano, Josep Nebot
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Arboribus is a financial intermediary that helps small and medium enterprises find suitable funding opportunities.