Top 40 Fintech Startups in Germany [2025]: Innovation & Growth

We’ve curated a list of the top 40 Germany fintech startups to watch in 2025.

From digital banking and embedded finance to B2B payments, investment infrastructure, and AI-powered financial services, these companies are transforming how individuals, businesses, and institutions manage money.

Let’s dive in.

1. Solaris

Industry: Banking-as-a-Service (BaaS) and embedded finance platform

Solaris (formerly Solarisbank AG) is a Berlin-based full-licence bank and technology platform enabling businesses (fintechs, corporates, brands) to embed and offer their own financial services via APIs, including bank accounts, cards, payments and lending.

Location: Berlin, Germany
Founded: 2015 (launched 2016)
Last Funding Round: Series G, €140 million in February 2025
Total Funding: More than €530 million to date
Valuation: Approximately €1.6 billion (as of July 2023)
Number of Users: Not publicly disclosed exact number of end-users; previously cited platform covering "2+ million users" via acquisition of partner platform.
Growth Rate: Revenue of ~€130 million in 2022 with recent funding emphasising growth and profitability path.

Key Features

API-based banking platform, brand-white-label bank accounts, cards (debit/prepaid/credit), payments (SEPA, instant), lending modules (consumer/overdraft), full German banking licence, cross-border EEA expansion, cloud-native infrastructure.

2. Taxfix

Industry: Fintech / Digital tax filing & financial-services platform

Taxfix SE is a Berlin-based fintech startup offering a mobile-first and web-based platform that simplifies tax returns via a questionnaire-based UX, automated data-retrieval from the tax authority, and an "expert service" for full-service filing.

Location: Berlin, Germany
Founded: 2016
Last Funding Round: Series D $220 million in April 2022
Total Funding: Approximately $330 million+ since founding.
Valuation: Over $1 billion (post Series D).
Number of Users: Over 8 million tax returns submitted and more than €4.5 billion in refunds paid out.
Growth Rate: Rapid expansion; carried out significant growth and international expansion (Germany, Spain, Italy, UK), with employee headcount over 400 and scaling of operations.

Key Features

Chat-style questionnaire interface, automatic data import from tax authority (ELSTER), instant refund option, expert service (tax advisor submission), mobile app + web portal, multi-market support (DE/ES/IT/UK).

3. Vivid Money

Industry: Digital banking & investment platform (neobank)

Vivid Money is a Berlin-based fintech startup offering a combined banking, savings and investment app that allows users to spend, save and invest (including fractional shares, crypto, metals), aiming to create a "financial super-app".

Location: Berlin, Germany
Founded: 2019
Last Funding Round: Series C €100 million in February 2022
Total Funding: Over €200 million according to company statements.
Valuation: Approximately €775 million as of the Series C round.
Number of Users: Over 500,000 customers across Europe.
Growth Rate: Reported revenue grew ~25× between earlier years; in June 2025 business account clients reached 50,000 within ~16 months of launch.

Key Features

Mobile‑first banking app, German IBAN account, free metal debit card, multi‑currency/sub‑accounts ("Pockets"), fractional share & crypto investing, cashback rewards, high‑yield interest account, budgeting tools, SME business banking.

4. Moonfare

Industry: Private equity / Alternative investment platform

Moonfare is a Berlin-based digital platform that provides individual investors and family offices with access to top-tier private equity and venture capital fund opportunities, which were historically reserved for institutions. It does so through a curated selection of funds and lower minimums.

Location: Berlin, Germany
Founded: 2016
Last Funding Round: Series C approximately $125 million in November 2021
Total Funding: Reportedly over $175 million (approximately) as of early 2023.
Valuation: Over $600 million
Number of Users: Over 61,000 registered members, with nearly 4,800 active investors across 110+ funds.
Growth Rate: Reported almost 90% year-on-year AUM growth to €2.18 billion by late 2022.

Key Features

Access to top-tier private equity funds (e.g., KKR, Carlyle, EQT), lower minimum investment thresholds, digital onboarding, curated fund selection (fewer than 5% of available funds make it onto the platform).

5. Billie

Industry: Fintech / B2B Buy-Now-Pay-Later (BNPL) & invoice financing for business buyers

Billie GmbH is a Berlin-based fintech that offers merchants upfront payment while enabling business customers to buy now and pay later (deferred payment, installments) via its automated invoice-financing and risk-underwriting platform.

Location: Berlin, Germany
Founded: 2016
Last Funding Round: Series C $100 million in October 2021
Total Funding: Over $150 million
Valuation: Approximately $640 million
Number of Users: Over 750,000 unique business customers and more than 5,500 merchants/shops using the platform (as of May 2025 via Stripe partnership announcement).
Growth Rate: Rapid expansion — in 2021 the latest funding round stated "world's largest in B2B BNPL" and quadruple growth since the previous round.

Key Features

Real-time underwriting & credit decision for business buyers, invoice-payment option up to ~120 days, installment payments, full payment default & fraud-risk assumption for merchants, integration via API/checkout, cross-border European expansion with support across many markets via partnerships (Stripe, Adyen) and merchant risk coverage.

6. Upvest

Industry: Fintech / Investment infrastructure API provider

Upvest GmbH is a Berlin-based fintech company offering a plug-and-play investment API that enables fintechs, banks and platforms to embed investment products (stocks, ETFs, mutual funds, crypto, custody/trading/settlement) via one modular infrastructure.

Location: Berlin, Germany
Founded: 2017
Last Funding Round: Series C, €105 million in December 2024
Total Funding: At least €198 million
Valuation: $420-630 million
Number of Users: Infrastructure accessible via its clients to over 50 million end-users across Europe.
Growth Rate: Reported revenue growing ~25% month-on-month in 2024; processing over 1 million trades per week.

Key Features

Fractional investing support, modular investment API, brokerage/trading/custody included, multi-asset access (stocks/ETFs/crypto/funds), one-stop investment infrastructure, compliance/licensing included.

7. Moss

Industry: Fintech / Spend-management & corporate credit-card platform

Moss offers an integrated platform for finance teams of SMEs and growing companies to manage spending, issue virtual and physical corporate cards, process and automate invoices, control budgets and liquidity, and integrate with accounting/ERP systems.

Location: Berlin, Germany (Saarbrücker Str. 37A, 10405 Berlin)
Founded: 2019 (launched mid-2020)
Last Funding Round: Series B €75 million in January 2022
Total Funding: Reports say over €130 million as of early 2022.
Valuation: Over €500 million at the Series B round.
Number of Users: Issued more than 20,000 virtual & physical cards and processed over 250,000 transactions early in its growth.
Growth Rate: Rapid expansion — referenced as "more than doubled" business in 2023 and doubling team size/fourfold customer base after financing round.

Key Features

Virtual & physical corporate credit cards, invoice-automation, employee expense reimbursement, budget & liquidity management, integration with accounting software and ERP systems, high credit limits and flexible payment terms (up to 60 days) for card purchases.

8. Nelly

Industry: HealthFinTech / Healthcare financial-operations platform

Nelly Solutions GmbH (branded "Nelly") is a Berlin-based startup that provides a digital "Financial Operating System" for medical practices, automating patient intake, document management, billing, payment and receivables for doctors, dentists and clinics.

Location: Berlin, Germany
Founded: 2021
Last Funding Round: Series B €50 million in January 2025
Total Funding: At least €75 million
Valuation: $220-330 million
Number of Users: Platform is used by over 1,200 medical practices and processed over 2 million patients.
Growth Rate: Digitised over 30 million paper documents and reports average time-savings of 10 minutes per patient for practices.

Key Features

Digital patient intake, digital document/consent capture, online invoicing & one-click payment, receivables factoring & instant payouts, integration with practice management software, mobile patient journey from check-in to payment.

9. Mondu

Industry: Fintech / B2B payments

Mondu provides merchants, marketplaces and platforms with payment methods designed for B2B buyers—offering invoice terms (30-90 days), installments (3-12 months), digital trade accounts, embedded factoring, and instant account-to-account (A2A) payments—while Mondu takes on risk and pays merchants up front.

Location: Berlin, Germany
Founded: 2021
Last Funding Round: €30 million in January 2024
Total Funding: Over €115 million
Valuation: Estimated around $200 million
Number of Users: Thousands of merchants and marketplaces across Europe.
Growth Rate: Rapid growth since 2021, including product and geographic expansion

Key Features

Invoice payment for B2B buyers, installments option (3/6/12 months), digital trade account, A2A instant payments (“Pay Now”), embedded factoring solutions, real-time credit & fraud checks, risk-assumption by Mondu, multi-channel integration (online, offline, marketplaces).

10. Pliant

Industry: Fintech / B2B payments & Cards-as-a-Service

Pliant GmbH is a Berlin-based fintech offering an API-first platform that enables businesses and software providers to streamline payment workflows, issue cards and build embedded finance products.

Location: Berlin, Germany
Founded: 2020
Last Funding Round: Series B, $40 million in April 2025
Total Funding: $112 million
Valuation: $150-240 million
Number of Users: Over 3,500 business customers and 20+ partner platforms globally
Growth Rate: Annual revenue more than doubled in 2023; triple-digit growth reported in recent years.

Key Features

Corporate credit cards (physical & virtual), API platform for payments automation, multi-currency issuance (11 currencies), Cards-as-a-Service for banks and software providers, spending control & real-time insights.

11. Payrails

Industry: Payments infrastructure / Fintech enterprise software

Payrails GmbH is a Berlin-based company offering a payment operating system for large enterprises that unifies payment orchestration, payouts, tokenisation, analytics and reconciliation across markets and methods.

Location: Berlin, Germany
Founded: 2021
Last Funding Round: Series A, $32 million in June 2025
Total Funding: Over $52.8 million
Valuation: $120-190 million
Number of Users: Not publicly disclosed exact number of users
Growth Rate: Rapid growth in 2024 — expansion into 30 markets and more than 1 million daily operations, cited as exceptional growth.

Key Features

Payment orchestration, payouts, tokenisation, unified analytics, automated reconciliation, in-person payments.

12. Modifi

Industry: Fintech / B2B cross-border trade finance & payments

MODIFI B.V. (also referenced as Modifi GmbH) is a Berlin-based plus global fintech providing digital trade finance, "Buy-Now-Pay-Later" (BNPL)-style solutions for exporters and importers of SMEs, enabling faster payments after shipments, flexible buyer terms, and cross-border payment flows.

Location: Berlin, Germany
Founded: 2018
Last Funding Round: $15 million received in November 2024
Total Funding: Approximately $50 million
Valuation: $120 million
Number of Users: More than 1,600+ companies across 55+ countries.
Growth Rate: Approximate growth rate ~200% (between 2019-2022) and ranked 54th in FT's Europe's Fastest Growing Companies 2024.

Key Features

Instant payment to sellers post-shipment, flexible buyer finances (BNPL) for SMEs, digital trade finance dashboard, global cross-border payments, API integrations for export-import workflows.

13. Finmid

Industry: Fintech / Embedded lending & payments infrastructure for B2B platforms

Finmid GmbH is a Berlin-based startup that enables marketplaces and B2B software platforms to embed financing and payment solutions for small and medium-sized enterprises (SMEs) via an API.

Location: Berlin, Germany
Founded: 2021
Last Funding Round: €35 million in April 2024 (early-stage equity)
Total Funding: At least ~€35 million publicly disclosed
Valuation: Reported approx. $107 million post-money in April 2024
Number of Users: Infrastructure live in 30 European markets and supporting access for over 32 million SMEs via partners.
Growth Rate: Two-year revenue CAGR ~582.9% per 2025 ranking.

Key Features

API-first embedded lending, B2B payments support, tailored financing for SMEs via partner platforms, single-integration across Europe, real-time data-based credit decisions.

14. Finoa

Industry: Fintech / Crypto-asset custody & institutional digital-asset services

Finoa GmbH is a Berlin-based regulated crypto-asset custodian and digital-asset services platform focused on institutional investors, asset managers, funds and corporations; it provides crypto custody, brokerage, staking services and related custody infrastructure under German regulatory oversight.

Location: Berlin, Germany (also noted Potsdam campus)
Founded: 2018
Last Funding Round: Strategic funding $15 million in January 2024
Total Funding: At least $45 million
Valuation: $100 million
Number of Users: 300+ institutional clients
Growth Rate: The company's financials show a nearly 60% drop in revenue for 2022 and subsequent restructuring; rising again in 2023 after new funding.

Key Features

Licensed qualified crypto-asset custodian, separate wallet architecture (segregated wallets), support for 170+ crypto assets, in-custody staking services, institutional-grade brokerage access, multi-signature and multi-governance workflows for compliance.

15. Banxware

Industry: Embedded lending / Fintech infrastructure for SMEs

Banxware GmbH is a Berlin-based fintech that enables digital platforms, marketplaces and banks to embed business loans (from ~€1,000 to €5 million) seamlessly for their SME customers, taking care of underwriting, compliance and full servicing.

Location: Berlin, Germany
Founded: 2020
Last Funding Round: Strategic investment €10 million in June 2025
Total Funding: At least €30 million equity across rounds
Valuation: $60-100 million
Number of Users: Embedded in 40+ platforms; supports loans on behalf of SMEs via partner platforms.
Growth Rate: Rapid growth — company reports >3M SMEs reached and 500%+ demand growth year-on-year in certain segments.

Key Features

Embedded loans from €1k-5m, API integration into platforms, full loan process from underwriting to payout and servicing, lender-agnostic orchestration between platforms and banks, instant approval via transactional data.

16. Ivy

Industry: Fintech / Payments / Open banking API

Ivy GmbH is a Berlin-based startup building a global API for real-time account-to-account (A2A) bank payments that enables merchants and platforms to accept direct transfers from bank accounts, bypassing cards and wallets.

Location: Berlin, Germany (also offices in Munich and Helsinki)
Founded: 2021
Last Funding Round: Series A $20 million in August 2023
Total Funding: At least $27-30 million
Valuation: Around $80-90 million at Series A per report
Number of Users: Connected to over 500 million bank accounts and operating in 50+ countries
Growth Rate: Not publicly disclosed as a percentage, but rapid traction and funding indicate strong growth in 2023

Key Features

Global open-banking payments API, instant bank transfers (A2A), smart-routing between banks for highest success rate, direct bank-account-to-merchant payments, reduced transaction cost (up to ~10× lower than cards/wallets).

17. Bunch

Industry: Fintech / Private markets investment infrastructure

Bunch GmbH is a Berlin-based fintech startup offering an end-to-end platform that enables funds and investors to operate, administer and transact within private markets with automation and data-centric workflows.

Location: Berlin, Germany
Founded: 2021
Last Funding Round: Series A, $14 million in July 2024
Total Funding: Approximately $23 million
Valuation: $62-92 million
Number of Users: Platform claims to have facilitated over €2 billion in commitments through the platform within two years of operations
Growth Rate: Rapid growth in early years; specific percentage not publicly disclosed

Key Features

Fund & SPV digital entity setup, investor onboarding and KYC/AML workflows, portfolio monitoring & reporting, payments/treasury integration, private markets transaction operating system.

18. re:cap

Industry: Fintech / Revenue-based financing & capital operations platform

re:cap provides a "Capital OS" that helps tech and recurring-revenue businesses manage financial analysis, forecasting, and access non-dilutive, revenue-based financing, combining funding and operations in one platform.

Location: Berlin, Germany
Founded: 2021
Last Funding Round: In July 2025, announced a new €125 million credit facility (for onward lending) as part of UK expansion
Total Funding: At least €100+ million
Valuation: Over $60 million
Number of Users: Platform reports having deployed over €100 million in financing to customers and analysed over €20 billion in transaction value
Growth Rate: Rapid growth, with UK expansion and large credit facility announced in 2025

Key Features

Real-time financial analytics & forecasting, Capital AI engine to model scenarios, non-dilutive revenue-based financing, liquidity and debt funding via platform, integration of operations & funding in one system.

19. Circula

Industry: Fintech / SaaS (employee finance & spend-management)

Circula provides a unified platform enabling companies to manage employee expenses, credit cards, travel costs, per-diems and benefits (meals, mobility, home-office) in a tax-compliant and automated way.

Location: Berlin, Germany
Founded: 2017
Last Funding Round: €15 million (extended Series A) in May 2025
Total Funding: At least €35 million
Valuation: $60+ million
Number of Users: More than 2,800 company customers and 150,000+ employees using the platform
Growth Rate: Reportedly reduces manual effort in expense management by ~80% and shortens monthly closing cycles; revenue tripled in year leading to 2022

Key Features

AI-powered receipt capture, tax-compliant data extraction, real-time booking, corporate credit cards & virtual cards, mobile app for employees and benefits, automation of expense / travel workflows.

20. Bling

Industry: Fintech / Family-oriented banking & financial education for children and families

Bling offers a digital app, prepaid card and related services designed for families—particularly children, teens and parents—combining pocket money management, savings/investment tools, mobile phone plans, and educational content about money for young users.

Location: Berlin, Germany
Founded: 2021
Last Funding Round: Series A $12 million in June 2024
Total Funding: Over $15 million
Valuation: Over $50 million
Number of Users: Had 250,000 active "family users" and more than one million app downloads (per August 2025 acquisition announcement)
Growth Rate: Rapid growth—within two years after launch achieved tens of thousands of families; strong viral uptake in Germany

Key Features

Prepaid card for children, savings/investment "saving tree" module, family banking app with parent & child views, family mobile phone plans ("Bling Mobile"), shopping list and family calendar features, financial-education content for kids, B2B2C partnerships with banks/telcos.

21. Legal Hero

Industry: LegalTech / Digital legal services

Legal Hero provides a digital and streamlined platform for legal‑protection insurance holders and individuals to submit legal cases online (employment law, tenancy law, traffic law, etc.), connecting them with partner lawyers and leveraging technology (AI‑chatbots) to reduce bureaucracy and accelerate claims resolution.

Location: Berlin, Germany
Founded: 2017
Last Funding Round: Not publicly disclosed (no clear recent equity round found)
Total Funding: $11 million
Valuation: Over $50 million
Number of Users: Over 160,000+ legal protection cases resolved in partnership with insurers and 250+ partner lawyers
Growth Rate: Not publicly disclosed as a percent; reports indicate rapid adoption by insurers and expansion of digital case processing

Key Features

AI‑powered legal self‑service (chatbot + lawyer matching), integration with insurance providers, digital case submission & management, partner lawyer network covering employment/tenancy/traffic law, digital document workflows.

22. 7Learnings

Industry: Retail‑tech / SaaS / AI‑powered pricing & optimization platform

7Learnings provides a machine‑learning powered platform for retailers and brands to optimise pricing, performance marketing and inventory/order decisions by forecasting demand, evaluating price‑elasticity and automating workflows.

Location: Berlin, Germany
Founded: 2019
Last Funding Round: Series B €10 million, May 2025
Total Funding: At least €15 million
Valuation: Around $50 million
Number of Users: Serves major retailers/brands (e.g., Westwing, Bonprix, Tamaris) with claims of profit uplift of up to 10 % and reduction of manual work by up to 80 %
Growth Rate: The company states they reached profitability ahead of their Series B and are now accelerating international expansion (North America as a target region)

Key Features

Predictive pricing engine, demand & revenue forecasting, optimisation of marketing +‑pricing linkage, reduction of manual pricing work, dynamic "goal‑driven" price steering across channels.

23. Ultramarin

Industry: Fintech / AI‑powered asset management & investment platform

Ultramarin develops AI‑based forecasting models for global equity markets, offering investment funds, index solutions, custom mandates and research tools to help investors leverage machine‑learning‑based asset allocation and stock selection.

Location: Berlin, Germany
Founded: 2017
Last Funding Round: Series A €10 million in December 2021
Total Funding: Approximately $11 million
Valuation: Around $50 million
Number of Users: Not publicly clearly disclosed; the platform claims access to coverage of over 5,000 companies worldwide via its research tool "Ultrascope"
Growth Rate: Not publicly disclosed as a specific percentage; noted for rapid expansion of product offerings and institutional focus

Key Features

AI‑powered stock‑market forecasting, systematised investment funds, index/ETF products based on AI, custom mandates, research platform for global equities ("Ultrascope"), ESG‑filtering in asset‑management models.

24. Feather

Industry: InsurTech / Digital insurance for expatriates

Feather GmbH is a Berlin‑based insurtech startup that offers a digital‑first insurance platform tailored to the needs of expats living in Europe, providing flexible, transparent, English‑language insurance (health, travel, liability etc) and launching cross‑border coverage.

Location: Berlin, Germany
Founded: 2018
Last Funding Round: €6 million (Series A) in June 2024
Total Funding: Approximately €10 million to date
Valuation: $20-40 million
Number of Users: Over 50,000 people from more than 150 countries
Growth Rate: Rapid expansion with noted "six months post‑launch in Spain achieved more than the first 18 months in Germany"

Key Features

Digital onboarding in English, modular insurance product for expats, full‑stack tech platform + claims‑management, pan‑European launch across Germany/France/Spain with further markets planned, unbiased recommendation tool for expats.

25. Getsafe

Industry: Insurance / InsurTech

Getsafe GmbH is a German digital‑first insurance provider targeting millennials and young adults with app‑based home contents, liability, and other personal insurance products, emphasising a streamlined, mobile experience.

Location: Heidelberg, Germany
Founded: 2015
Last Funding Round: Series B extension $93 million in October 2021
Total Funding: At least $93 million by 2021
Valuation: Not publicly disclosed reliably
Number of Users: Over 550,000 customers across Europe as of October 2023
Growth Rate: Reported revenue exploded ~500% in prior year (2022) then "over 50%" of revenue organically from existing customers

Key Features

Mobile‑first insurance app, multi‑line policies (liability, contents, pet, car), AI‑powered claims processing, direct‑to‑consumer digital onboarding, multi‑country European expansion.

26. Hawk

Industry: Financial‑crime prevention software / RegTech

Hawk (originally "HAWK AI") is a Munich‑based company providing an AI‑powered platform for transaction monitoring, anti‑money laundering (AML), fraud detection and screening services for financial institutions.

Location: Munich, Germany
Founded: 2018
Last Funding Round: Series C, approx. $56 million (≈€51.8 m) in April 2025
Total Funding: Approximately $84 million to date
Valuation: Not publicly disclosed exact figure; implied to be significantly higher after Series C
Number of Users: More than 80 institutional customers globally
Growth Rate: Reported year‑on‑year revenue growth of ~298% in 2022

Key Features

AI‑powered AML transaction monitoring, payment screening, explainable machine learning models, false‑positive reduction, cloud‑native architecture, global SaaS deployment.

27. Utila

Industry: Fintech / Digital asset infrastructure

Utila provides an institutional‑grade platform for managing and building digital asset operations—enabling enterprises, payment firms and neobanks to securely manage wallets, stablecoins, tokenisation, treasury and multi‑chain infrastructure.

Location: Berlin, Germany
Founded: 2022
Last Funding Round: Series A $18 million (March 2025)
Total Funding: Over $51+ million (including Series A extension)
Valuation: Not publicly disclosed in detail; latest raise implied significantly higher valuation (round of $22 million extension in Sep 2025)
Number of Users: Platform used by more than 200 institutions, processes over US$15 billion monthly and has secured over $90 billion in transactions to date
Growth Rate: Not publicly disclosed

Key Features:

Enterprise‑grade MPC wallet infrastructure, multi‑chain support, tokenisation engine, robust APIs for building on digital assets, user/transaction policy engine, integrations with banking/AML/DeFi, business continuity mirroring.

28. Flexvelop

Industry: Fintech / Flexible equipment financing for businesses

Flexvelop GmbH is a Hamburg‑based fintech that offers a digital "Flexing" solution combining leasing, rental and credit for business equipment (e.g., IT hardware, gastronomy gear, medical devices) where companies can rent, return or purchase devices with flexible terms.

Location: Elbchaussee 267a, 22605 Hamburg, Germany
Founded: 2018
Last Funding Round: €44 million in March 2025
Total Funding: At least ~€4 million equity + €40 million credit lines publicly disclosed (~€44 million) as of 2025
Valuation: Not publicly disclosed
Number of Users: Not publicly disclosed exact number of customers; as of 2024 the company reports >3,000 contracts and refinancing volume >€40 million
Growth Rate: Rapid scaling indicated; the financing round in 2025 described the company moving from "start‑up to grown‑up" and expanding into large‑scale projects (up to ~1,000 devices per client)

Key Features

Digital contract at point of sale, fully automated underwriting, rent‑return‑or‑buy option, equipment insurance included, flexible term extension monthly, finance of devices from ~€300 onwards, supports circular economy.

29. luca

Industry: Hospitality tech / Payments & guest‑experience platform

Originally launched as a contact‑tracing app during the COVID‑19 pandemic for restaurants, bars, events and cultural venues, Luca has pivoted into a digital guest‑experience & payment platform for the hospitality industry — offering check‑in, ordering, bill splitting and payment via QR codes.

Location: Berlin, Germany
Founded: 2020
Last Funding Round: Raised approximately €30 million (financing round) in 2022
Total Funding: Above €33 million publicly reported
Valuation: Not publicly disclosed
Number of Users: Over 40 million registered citizens and more than 450,000 locations (restaurants, cafés, event venues) across Germany had used the platform in its contact‑tracing phase
Growth Rate: Specific percentage not publicly specified; reported rapid growth during pandemic phase and a strategic shift into hospitality payments

Key Features

QR‑code guest check‑in, digital reservations, mobile ordering & bills, bill splitting, mobile payment via app (luca Pay), POS integration for hospitality.

30. FinCompare

Industry: Fintech / SME financing marketplace

FinCompare GmbH is a Berlin‑based digital platform that enables small and medium‑sized enterprises (SMEs) to compare, select, and conclude financing solutions (loans, leasing, factoring, etc.) from a network of banks, fintechs, and alternative financiers.

Location: Berlin, Germany
Founded: 2016
Last Funding Round: Series A, total €22 million raised (including extension) in March 2020
Total Funding: At least €22 million publicly disclosed (with seed earlier of €2.5 million in 2017)
Valuation: Not publicly disclosed in reliable detail
Number of Users: Over 30,000 registered companies using the platform
Growth Rate: Reported "more than doubled growth" in 2019 before the 2020 funding extension

Key Features

Digital comparison of SME financing solutions, access to 100+ financing providers, online application and approval process, technology‑driven matchmaking, one‑stop financing hub for SMEs.

31. Baobab

Industry: Cyber insurance & InsurTech for SMEs

Baobab Insurance GmbH (often simply "Baobab") is a Berlin‑based startup providing integrated cyber‑insurance solutions combined with risk‑prevention and AI‑driven monitoring, targeting SMEs exposed to digital and cyber risks.

Location: Berlin, Germany
Founded: 2021
Last Funding Round: Series A — €12 million in June 2025
Total Funding: At least ~€20 million publicly disclosed (including previous €3 million round and other investments)
Valuation: Not publicly disclosed in reliable detail
Number of Users: Not publicly disclosed; company reports "has prevented over €10 million in losses"
Growth Rate: Reported rapid growth in team and product expansion; exact percentage not publicly specified

Key Features

AI‑native underwriting, integrated cyber‑insurance + prevention services, continuous risk monitoring & mitigation, real-time attack surface scanning, digital broker & client portals.

32. Elucidate

Industry: RegTech / Financial Crime Risk Rating

Elucidate provides a data-driven platform that measures and scores financial crime risk (money laundering, sanctions, corruption, terrorist financing) for financial institutions, using standardized risk analytics similar to a credit rating model.

Location: Berlin, Germany
Founded: 2018
Last Funding Round: Series A approx. €8 million (February 2022)
Total Funding: ~€14 million+ publicly reported
Valuation: Not publicly disclosed
Number of Users: Serves banks, fintechs, and payment providers across Europe, Americas, Middle East; specific user counts not disclosed
Growth Rate: Not disclosed formally, but company states global expansion and increased institutional adoption

Key Features

Standardized financial crime risk scoring, regulatory-grade analytics, continuous monitoring, benchmarking across institutions, API-based platform, automated risk workflows.

33. Tomorrow GmbH

Industry: Sustainable digital banking / fintech

Tomorrow GmbH is a Hamburg‑based mobile banking startup offering current accounts and investment products with a focus on sustainability: customer deposits are invested only in sustainable industries, eco-projects are funded with each card transaction, and the platform emphasises transparency and climate/social impact.

Location: Hamburg, Germany
Founded: 2018
Last Funding Round: Raised just under €5 million in November 2024
Total Funding: Crowdfunding rounds plus institutional investment exceed €14 million
Valuation: Not publicly disclosed
Number of Users: Over 120,000 customers
Growth Rate: Achieved profitability (EBITDA and net income) for June–September 2024

Key Features

Mobile app-only banking, sustainable investment fund aligned with Paris Agreement, selective deposits funding only sustainable industries, card transactions support climate/ecological projects, sub-accounts/savings goal “Pockets”, transparent deposit investment policy.

34. Procuros

Industry: B2B transaction infrastructure / Trade finance tech

Procuros GmbH is a Hamburg‑based startup building an API-first "integration hub" to digitize and automate all document and data exchange between trading partners (orders, invoices, shipping notices, master data) and connect ERP systems to supplier/retailer networks.

Location: Hamburg, Germany
Founded: 2021
Last Funding Round: Raised ~€9 million (approx) in seed/early round
Total Funding: ~ $9 million
Valuation: Not publicly disclosed
Number of Users: Not publicly disclosed; platform states "> €2 billion per year in transactions" via its network
Growth Rate: Revenue circa US$3.1 million in 2025 (28-person team)

Key Features

Digital document exchange (orders, invoices, shipping notices, master data), plug‑and‑play ERP connectors, API-based supplier/retailer network, automated validation/workflows, one-to-many integration hub across partners.

35. Naro

Industry: Fintech / Fund infrastructure & white‑label ETF/fund platform

Naro (also referred to as NaroIQ) is a Cologne‑based fintech that provides a modular technology platform enabling banks, insurers, asset managers, and other companies to launch and manage their own ETFs and investment funds efficiently and without heavy operational or regulatory overhead.

Location: Cologne (Köln), North-Rhine-Westphalia, Germany
Founded: 2022
Last Funding Round: Seed round of $6.5 million in June 2025
Total Funding: At least $8-9 million
Valuation: Not publicly disclosed in reliable detail
Number of Users: Not publicly disclosed
Growth Rate: Not publicly disclosed as a specific percentage; funding and rapid recent development signal early-stage high growth

Key Features

Modular technology platform for ETFs/funds, white-label fund issuance by partner companies, operational & regulatory infrastructure abstraction, redistribution of fund earnings to distributing companies, APIs and cloud-native infrastructure for fund creation and management

36. wealthpilot

Industry: FinTech / Wealth-management infrastructure (SaaS)

wealthpilot GmbH is a Munich- and Graz-based technology company that provides a cloud-native SaaS platform for hybrid wealth management, enabling banks, insurers, advisor firms, and wealth managers to aggregate, analyse, and plan all client assets (liquid and illiquid) and deliver personalised, digital-assisted advisory services.

Location: Munich, Germany
Founded: 2017
Last Funding Round: €8 million in January 2021
Total Funding: At least €8 million publicly disclosed
Valuation: Not publicly disclosed
Number of Users: Platform used across more than 8,500 banks, insurers, broker-pools, and advisors and their clients; assets under analysis approx. €195 billion (as of Sept 2023)
Growth Rate: Reported revenue of US$10.3 million in 2024 with ~76.9% year-on-year growth

Key Features

Asset aggregation across liquid & illiquid classes, automated wealth analysis and planning, digital advisor client portal, SaaS deployed to banks/insurers, open advisory marketplace component, hybrid digital + personal advisory workflows.

37. Cashlink Technologies GmbH

Industry: Fintech / Tokenised securities infrastructure

Cashlink Technologies GmbH is a Frankfurt-based regulated financial infrastructure provider offering issuance, registration, and custody services for tokenised securities on blockchain platforms.

Location: Frankfurt am Main, Germany
Founded: 2016
Last Funding Round: Series A (mid-seven-digit €) March 2023
Total Funding: Over $7 million
Valuation: Not publicly disclosed in reliable detail
Number of Users: Platform has processed over 40,000 on-chain transactions
Growth Rate: Not publicly disclosed in standard format

Key Features

Regulated crypto-securities registry, blockchain-based issuance of tokenised bonds/funds/structured products, API-based infrastructure (“Cashlink Connect”), full value-chain service (distribution, register management, custody).

38. Passionfroot

Industry: Marketing technology / Creator economy platform

Passionfroot GmbH is a Berlin-based startup offering a creator marketing platform that enables brands to discover B2B creators, manage campaigns (sponsorships, collaborations), and process creator payments in one workflow.

Location: Berlin, Germany
Founded: 2021
Last Funding Round: Seed $3.8 million in October 2024
Total Funding: At least $7 million+ over 2 rounds
Valuation: Not publicly disclosed
Number of Users: Not publicly disclosed; platform states thousands of marketing teams at fast-growing companies
Growth Rate: Not publicly disclosed as a percentage; product narrative emphasises rapid adoption and international expansion

Key Features

Creator discovery across platforms (YouTube, LinkedIn, Instagram, TikTok, newsletters), AI-powered matching, campaign management dashboard, payment processing & creator payouts, storefronts for creators, brand-creator collaboration management.

39. remind.me

Industry: Fintech / Energy-brokerage & consumer utilities switching platform

Remind.me offers a B2C service that automatically monitors and optimises electricity and gas contracts for consumers by alerting before notice periods expire and switching to better deals.

Location: Berlin, Germany
Founded: 2018
Last Funding Round: Around $2 million Series A
Total Funding: Over $5 million
Valuation: Not publicly disclosed in reliable detail
Number of Users: Over 50 employees; specific user count not clearly published
Growth Rate: Rapidly expanding since launch; growth supported by investor funding, but no fixed public growth percentage

Key Features

Free contract-monitoring tool for electricity/gas, automatic switching assistance to better providers, alerts on contract expiry, consumer transparency, digital platform linking to energy markets.

40. Vinlivt GmbH

Industry: FinTech / InsurTech (financial‑&‑insurance advisory digital platform)

Vinlivt GmbH is a Munich‑based platform offering financial and insurance advisers a digital client app and advisor CRM with contract‑management, multi‑banking, AI‑powered insight and communication tools to simplify brokerage and advisory processes.

Location: Munich, Bavaria, Germany
Founded: 2022
Last Funding Round: Seed — €3.5 million in September 2025 (including €700k public innovation funding)
Total Funding: At least ~€4.5 million (including past ~€1 million pre‑seed + €3.5m seed)
Valuation: Not publicly disclosed
Number of Users: Over 500 advisers and 50,000 end‑customers as of Sept 2025
Growth Rate: Rapid traction within ~3 years indicates strong early growth

Key Features

Client app for financial & insurance contract portfolio, adviser CRM, multi‑bank/account data aggregation, AI‑based contract recognition, secure GDPR‑compliant messenger, digital onboarding, REST API integration.

Conclusion

What connects these companies isn’t just that they operate in fintech, it’s the scale of their ambition and the speed of their growth. From digital banking to B2B payments and investment infrastructure, they’re not just improving financial services; they’re creating entirely new ways to manage, move, and invest money.

Bringing such innovative ideas to life requires the right technical and product expertise. Partnering with a skilled fintech development team can help startups design, implement, and scale solutions effectively, ensuring ideas become impactful products and services.

With the right support, these German fintech startups can continue to push boundaries, expand their reach, and transform the financial landscape for businesses and consumers alike.

For fintech startups ready to grow faster and reach the right audience, Omnius offers SEO, GEO, and content marketing tailored for B2B tech, turning innovation into discoverable, compounding growth.