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101 Best Germany FinTech Startups – The Future of FinTech

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

Mambu

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Mambu is a software-as-a-service banking engine provider that powers lending and deposit services.

Moonfare

Moonfare

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Moonfare provides access to top-tier private markets investment opportunities through a technology-enabled platform.

Moonfare

Clark

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Clark is an insurance platform that provides full insurance cover.

Moonfare

Billie

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Billie is a fintech startup that provides Buy Now, Pay Later payment methods for the B2B market.

Moonfare

BITA

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BITA is the world’s first provider of end-to-end infrastructure for self-indexing and systematic investing.

Moonfare

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.

Moonfare

Trade Republic

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Trade Republic is a mobile-only and commission-free broker that provides investment opportunities.

Moonfare

Scalable Capital

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Scalable Capital is a digital asset management company that primary focuses on risk management.

Moonfare

N26

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N26 offers mobile banking solutions to customers in the European Union through its subsidiary.

Moonfare

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.

Moonfare

Raisin

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Raisin is a savings and investment marketplace that connects retail customers with banks looking to expand deposit reach.

Moonfare

Vivid Money

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Vivid Money is a financial platform and mobile banking app that helps customers save and invest their money.

Moonfare

Nuri

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Nuri empowers people to manage and grow their wealth through innovative technologies.

Moonfare

Stocard

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Stocard is a mobile wallet company.

Moonfare

Fraugster

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

Moonfare

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.

Moonfare

Deposit Solutions

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Deposit Solutions is provider of the open banking platform for deposits connecting banks and depositors.

Moonfare

Centrifuge

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Centrifuge is an open, decentralized operating system to connect the global financial supply chain.

Moonfare

LIQID

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LIQID is a digital asset manager focused on the investment needs of affluent private clients.

Moonfare

Modifi

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Modifi empowers small and medium-sized businesses to trade internationally with digital trade financing.

Moonfare

Finoa

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Finoa is a regulated custodian for digital assets offering custody and staking services to institutional investors and corporations.

Moonfare

sevDesk

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Cloud accounting for small business

Moonfare

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.

Moonfare

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.

Moonfare

Mondu

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Mondu is a B2B payment fintech company.

Moonfare

Upvest

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Upvest empowers financial institutions to offer investment products in their app with a modular, scalable, and accessible API.

Moonfare

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.

Moonfare

Finiata

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Finiata provides working capital financing for freelancers and SME’s over a fully automated data driven scoring technology.

Moonfare

CANDIS

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CANDIS is Berlin-based company that offers an intelligent platform for automated accounting.

Moonfare

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.

Moonfare

Exporo

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Exporo is an online platform for real estate investments.

Moonfare

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.

Moonfare

Zeitgold

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Zeitgold is a Berlin-based AI company providing a complete solution for financial administration of small businesses.

Moonfare

nextmarkets

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nextmarkets is Europe’s commission-free online broker

Moonfare

Thinksurance

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Thinksurance is a leading technology consultation platform for business insurance used by brokers, agents, banks and further sales channels.

Moonfare

Payworks

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Payworks provides payment gateway technology for the POS.

Moonfare

21strategies

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21strategies leverages deep technology and AI to transform Treasury Operations of large international corporations to profit making centers.

Moonfare

simplesurance

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Simplesurance creates a platform for simple access to insurance to combine traditional insurance industries with digital business.

Moonfare

OptioPay

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OptioPay is an open banking technology provider for customer-centric and value-add solutions based on bank account data.

Moonfare

Myos

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Rethinking working capital | Myos helps merchants of all kind grow to scale, fully digital, flexible and without personal guarantees

Moonfare

Airbank

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Airbank is an all-in-one finance platform for SMBs in Europe.

Moonfare

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.

Moonfare

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.

Moonfare

Monedo

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Monedo uses machine-learning technologies to provide access to better credit for the underbanked.

Moonfare

getquin

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getquin is the social network for investors.

Moonfare

HAWK:AI

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Money-laundering detection & investigation platform. SaaS, Cloud, Artificial Intelligence, Machine Learning.

Moonfare

Elinvar

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Elinvar enables asset and wealth managers to digitalize their business models by providing the required Platform as a Service.

Moonfare

Remagine

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Remagine offers the world’s first purpose-driven, digital business accounts

Moonfare

anybill

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We provide technology and infrastructure to create smart added value for the connected POS of the future.

Moonfare

wajve

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wajve offers all financial services like banking, advice and education in one app.

Moonfare

Spotcap

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Spotcap empowers SMEs with tailored finance, allowing them to focus on their business.

Moonfare

COMPEON

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COMPEON is the product and vendor-independent full-service provider for SME financing.

Moonfare

Vantik

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Vantik is the first mobile retirement account to boost your confidence in your financial future.

Moonfare

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

Moonfare

Carl

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Carl Finance provides a platform for the acquisition and divestment of small and medium-sized businesses.

Moonfare

rubarb

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More money for your dreams

Moonfare

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.

Moonfare

CURE

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CURE – Digital Banking for Health Professionals

Moonfare

FinLab

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

Moonfare

Monite

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Monite builds an Embedded Finance Automation solution along with a one-stop-shop for SME finance.

Moonfare

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.

Moonfare

PAIR Finance

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PAIR Finance is the leading AI-based Fintech for debt collection and receivables management in Germany.

Moonfare

finleap connect

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

Moonfare

Hepster

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Hepster is an insurtech company that develops customized insurance products and integrates them into digital processes and systems.

Moonfare

portagon

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portagon provides a SaaS technology platform that enables financial intermediaries and businesses to raise capital online.

Moonfare

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.

Moonfare

re:cap

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Re:cap creates a subscription economy financial marketplace.

Moonfare

Finanzcheck.de

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

Moonfare

wealthpilot

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wealthpilot enables professional advisors to deliver a data-driven and truly personal wealth management.

Moonfare

Pockid

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Pockid GmbH offers a bank account with virtual and physical debit Mastercard.

Moonfare

Bitbond

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Compliant tokenization and digital asset custody enterprise software.

Moonfare

insureQ

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InsureQ is an insuretech startup that offers insurance tailored to SMEs’, freelancers’, and startups’ needs.

Moonfare

Penta

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Penta is a digital business bank platform designed to help startups and SMEs save time and money on banking.

Moonfare

BillFront

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BillFront is a technology-enabled finance provider dedicated to global digital media companies.

Moonfare

Invesdor Deutschland (Kapilendo AG)

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

Moonfare

Blocksize Capital

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Crypto currency trading, SaaS for Digital Assets, Digital Asset infrastructure, Blockchain

Moonfare

bonify

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Bonify is a Fintech startup based in Berlin that offers credit scoring tools and services to its users.

Moonfare

Acatus

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Acatus is a financial services company that offers a debt capital markets platform for banks and other organizations.

Moonfare

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.

Moonfare

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.

Moonfare

FinMarie

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FinMarie is Europe’s first financial platform by and for women.

Moonfare

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

Moonfare

FinTecSystems

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FinTecSystems is an infrastructure Fintech for open banking and account data analysis

Moonfare

finway

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finway provides financial guidence to SMEs, plan & control all expenses and budgets in one tool.

Moonfare

ryd

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

Moonfare

Captiq

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Captiq is a a digital online financing platform for doctors, pharmacists, lawyers and other chamber professions.

Moonfare

OneFor

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OneFor operates as a fintech enterprise.

Moonfare

CRX Markets AG

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CRX Markets is Europe’s leading marketplace for working capital financing.

Moonfare

Fulfin – Financing Ecommerce

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Innovative growth financing for online companies | Innovative Wachstumsfinanzierung für Online Unternehmen

Moonfare

Quantumrock

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Adaptive Investment Programs for the Asset Management Industry.

Moonfare

Companisto

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Companisto is an equity crowdinvesting platform for startups.

Moonfare

Finanzchef24

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Finanzchef24 offers entrepreneurs and self-employed in Germany digital commercial insurance via its independent online comparison platform.

Moonfare

FINEXITY AG

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Germany‘s first blockchain-based real asset investment platform.

Moonfare

Moss

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The corporate credit card built for your entire spend.

Moonfare

savedroid

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savedroid exists to bring personal piggy bank savings into the modern world.

Moonfare

VAI Trade

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

Moonfare

Vaamo Finanz AG

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Vaamo Finanz AG provides automated investment solutions and financial advice to its clients.

Moonfare

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.

Moonfare

Savedo

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Savedo is the one-stop-shop for retail investment products in Europe.

Moonfare

Etvas

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Etvas is a digital marketplace for value-added services.

Moonfare

coindex

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Indexbased crypto investment for anyone

Written by Warren Tesla

My name is Tesla and I am the pseudonym used by The Stratup Pill's broad writing team.

About me: Founder, CEO, CTO, CFO, CMO, CISO, Director, Head of the Board, Head of the oversight board, Executive, Legal Council, Head of Hiring, HR Manager, Consultant.

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