The fintech industry in Germany represents a dynamic shift in the financial services sector, integrating innovation with technology. Companies here span various areas, from digital banking and payment processing to investment management and financial consulting. They cater to consumers and businesses alike, streamlining financial processes with user-friendly solutions. The future looks bright as fintech adoption grows, driven by consumer demand for speed, simplicity, and transparency in transactions. With the integration of cutting-edge technology like AI and blockchain, German fintech firms are well-positioned to lead significant change in financial services across Europe and beyond.

This list highlights 21 notable fintech companies in Germany, varying in size from startups to established firms. Headquartered primarily in Berlin and Frankfurt, these companies were founded between 1950 and 2021, illustrating a blend of tradition and innovation. Each firm specializes in different sectors, including banking-as-a-service, payment solutions, and consumer financing, showcasing a mix of services tailored to meet contemporary financial needs.

Continue reading to explore Germany's premier fintech companies.

Top 21 Financial Technology Companies in Germany

1. N26

• Website: n26.com
• Ownership type: Private Equity
• Headquarters: Berlin, Berlin, Germany
• Employee distribution: Germany 67%, Spain 24%, Austria 4%, Other 5%
• Latest funding: Series E-K, $900.1M, October 2021
• Founded year: 2013
• Headcount: 1001-5000
• LinkedIn: n26

N26, founded in 2013 and headquartered in Berlin, Germany, is a neobank that provides a range of financial services through a mobile platform. The company offers banking, savings, and investment products, allowing users to manage their finances seamlessly via an app. N26 operates in 24 markets across Europe, catering primarily to individual consumers who seek efficient and user-friendly banking solutions. With a workforce of approximately 1,700 employees, the company has established a strong presence in key markets such as Germany, Spain, and Austria. N26 has raised substantial funding, with its latest round totaling over 900 million euros, reflecting strong investor interest in its innovative banking model. The bank is fully licensed and regulated, ensuring that customer funds are protected up to €100,000 under the German Deposit Protection Scheme. N26 continues to evolve by introducing features like cryptocurrency trading and flexible savings accounts, further solidifying its position in the fintech space.

2. Solarisbank AG

• Website: solarisbank.com
• Ownership type: Private
• Headquarters: Berlin, Berlin, Germany
• Founded year: 2016
• Headcount: 201-500
• LinkedIn: solarisbank

Solarisbank AG, based in Berlin, Germany, is a financial services provider that specializes in Banking-as-a-Service. Since its inception in 2016, Solarisbank has developed a comprehensive platform that allows businesses to seamlessly integrate digital banking, payment processing, and lending solutions into their own products. The company serves a variety of clients, including challenger banks and e-commerce platforms, helping them enhance their financial offerings while managing the complexities of regulatory compliance. With a full banking license and additional e-money and brokerage licenses, Solarisbank operates across Europe, providing a robust infrastructure for businesses looking to embed financial services into their customer experiences. The company is recognized for its advanced API technology, which facilitates quick and efficient integration of banking services, thereby supporting its partners in delivering tailored financial solutions.

3. Solaris SE

• Website: solarisgroup.com
• Ownership type: Corporate
• Headquarters: Berlin, Berlin, Germany
• Employee distribution: Germany 78%, India 12%, United Kingdom (UK) 5%, Other 5%
• Latest funding: $144.6M, February 2025
• Founded year: 2015
• Headcount: 201-500
• LinkedIn: solarisbank

Solaris SE, founded in 2015 and based in Berlin, Germany, is a financial services provider that specializes in Banking-as-a-Service solutions. The company offers a wide range of products, including digital banking, payment processing, and consumer lending, primarily targeting businesses such as challenger banks and e-commerce platforms. Solaris enables its partners to integrate financial services into their offerings through advanced technology and regulatory expertise. With a full German banking license and additional e-money and brokerage licenses, Solaris operates across Europe, simplifying the complexities of financial regulations for its partners. The company has raised over 520 million euros in funding, reflecting strong investor interest and confidence in its business model and growth potential. Solaris SE's innovative approach and commitment to empowering businesses to offer financial services make it a significant player in the fintech industry.

4. SAP Fioneer

• Website: sapfioneer.com
• Ownership type: Private
• Headquarters: Walldorf, Baden-Württemberg, Germany
• Employee distribution: Germany 34%, India 26%, Serbia 11%, Other 29%
• Founded year: 2021
• Headcount: 1001-5000
• LinkedIn: fioneer

SAP Fioneer, founded in 2021 and based in Walldorf, Germany, is a financial services technology company that specializes in software solutions for banks and insurance companies. With a workforce of over 1,000 employees, the company operates globally, leveraging extensive expertise in the financial services sector. SAP Fioneer offers a comprehensive range of products, including banking platforms, insurance management systems, and financial control tools. Their clientele primarily consists of financial institutions aiming to enhance their operations and customer engagement through innovative technology. The company has established itself as a trusted partner for over 1,200 financial institutions worldwide, processing more than 5,500 transactions per second through its systems. SAP Fioneer's focus on areas such as embedded finance and ESG solutions reflects its commitment to addressing contemporary challenges in the financial services industry.

5. Vivid Money

• Website: vivid.money
• Ownership type: Venture Capital
• Headquarters: Berlin, Berlin, Germany
• Employee distribution: Germany 52%, Cyprus 15%, Netherlands 9%, Other 24%
• Latest funding: Series C, $114.4M, February 2022
• Founded year: 2020
• Headcount: 201-500
• LinkedIn: vividmoney

Vivid Money is a financial services company based in Berlin, Germany, founded in 2020. It operates a mobile app designed to simplify the management of personal and business finances. The platform offers a range of services, including banking solutions, investment opportunities, and payment services tailored for individual consumers and small businesses. Vivid Money aims to democratize financial management by providing low-cost services and a user-friendly interface. The company has attracted significant venture capital, raising approximately 114 million euros in its latest funding round in February 2022. This financial backing supports its mission to expand its offerings and enhance user experience across Europe.

6. ING Deutschland

• Website: ing.de
• Ownership type: Private
• Headquarters: Frankfurt, Hesse, Germany
• Employee distribution: Germany 100%
• Founded year: 1965
• Headcount: 1001-5000
• LinkedIn: ing-de

ING Deutschland, officially known as ING-DiBa AG, is a prominent direct bank based in Frankfurt, Germany. Founded in 1965, the bank has grown to serve over 9.1 million customers, providing a wide array of financial services. These include free checking accounts, competitive savings accounts, personal loans, and investment management options. ING Deutschland leverages digital platforms to enhance customer experience, making banking more accessible and efficient. The bank is recognized for its user-friendly mobile app, which allows customers to manage their finances seamlessly. Furthermore, ING Deutschland emphasizes financial literacy through various educational initiatives, including webinars and podcasts. The bank also champions sustainability by financing companies that drive positive change in their industries, positioning itself as a responsible player in the financial sector.

7. Europace AG

• Website: europace.de
• Ownership type: Private
• Headquarters: Berlin, Berlin, Germany
• Employee distribution: Germany 100%
• Founded year: 2011
• Headcount: 201-500
• LinkedIn: europace-ag

Europace AG, founded in 2011 and based in Berlin, Germany, is a financial technology company that specializes in digital financing solutions. The company focuses on streamlining the loan process for credit institutions and distributors, leveraging advanced technology to enhance service offerings and improve customer engagement. Europace operates a platform that facilitates seamless digital consultations, allowing users to navigate financial decisions with ease. With a monthly transaction volume of 6 billion euros, Europace connects over 800 product providers, showcasing its significant presence in the financing technology market. The company offers various products, including digital credit checks and financing calculators, which are designed to empower consumers and financial institutions in their decision-making processes. As part of the Hypoport SE group, Europace benefits from synergies within a larger network, further solidifying its position in the fintech industry.

8. TeamBank AG

• Website: teambank.de
• Ownership type: Private
• Headquarters: Nuremberg, Bavaria, Germany
• Employee distribution: Germany 96%, Austria 4%
• Founded year: 1950
• Headcount: 1001-5000
• LinkedIn: easycredit-de

TeamBank AG, based in Nuremberg, Bavaria, Germany, is a private financial institution founded in 1950. The company specializes in consumer financing and payment solutions, offering products such as easyCredit and easyCredit-Ratenkauf. These products are designed to help individuals manage their liquidity and facilitate purchases, making financial services more accessible to consumers. TeamBank operates primarily in Germany and Austria, serving over a million customers. The company is a member of the Genossenschaftliche FinanzGruppe Volksbanken Raiffeisenbanken, which underscores its cooperative roots and commitment to customer-centric financial solutions. TeamBank has also been recognized for its innovative approaches, including the integration of digital technologies in its services, enhancing customer experience and operational efficiency.

9. Raisin Bank AG

• Website: raisin.bank
• Ownership type: Corporate
• Headquarters: Frankfurt, Hesse, Germany
• Employee distribution: Germany 100%
• Latest funding: August 2019
• Founded year: 1973
• Headcount: 51-200
• LinkedIn: raisinbank

Raisin Bank AG, based in Frankfurt, Germany, is a financial services provider that specializes in Banking-as-a-Service, payment solutions, and investment management. Founded in 1973, the bank has evolved significantly, particularly after becoming a subsidiary of Raisin GmbH in 2019. It focuses on supporting businesses, especially in the fintech sector, by offering customized financial products and services that facilitate operations across the European Union. Raisin Bank is known for its agile approach, regulatory compliance, and innovative solutions, which are crucial for its partners. The bank has developed a reputation for its expertise in transaction banking, credit servicing, and payment services, making it a valuable ally for companies looking to navigate the complexities of financial regulations and technology integration.

10. JuicyFields

• Website: juicyfields.io
• Ownership type: Private
• Headquarters: Berlin, Berlin, Germany
• Founded year: 2020
• Headcount: 201-500
• LinkedIn: juicy-fields

JuicyFields, also known as AtlasPay, is a financial services company based in Berlin, Germany. Founded in 2020, the company specializes in providing banking solutions that include virtual IBANs, payment cards, and corporate accounts. AtlasPay aims to streamline banking processes for both individuals and businesses, facilitating efficient transaction management across over 70 countries. Their services are designed to eliminate hidden charges and currency conversion premiums, making international transactions more transparent. The company operates primarily in the financial services sector, focusing on innovations that enhance user experience and simplify financial operations. Despite being a relatively new entrant in the market, AtlasPay is committed to offering a comprehensive suite of financial tools tailored to meet the needs of its customers.

11. C24 Bank GmbH

• Website: c24.de
• Ownership type: Private
• Headquarters: Frankfurt, Hesse, Germany
• Employee distribution: Germany 100%
• Founded year: 2019
• Headcount: 51-200
• LinkedIn: c24-bank

C24 Bank GmbH, based in Frankfurt, Hesse, Germany, is a private banking institution that was established in 2019. The bank primarily serves individual consumers, offering a range of financial services including current accounts, payment solutions, and financial management tools. C24 Bank operates entirely online, providing features such as real-time transfers, expense analysis, and budgeting tools to enhance the customer experience. Their product offerings include various account models like C24 Smart, C24 Plus, and C24 Max, which cater to different consumer needs. The bank also supports modern payment methods such as Apple Pay and Google Pay, and offers cashback incentives for card usage. C24 Bank has received multiple awards for its services, indicating recognition within the industry for its innovative approach to banking.

12. Finmas GmbH

• Website: finmas.de
• Ownership type: Private
• Headquarters: Berlin, Berlin, Germany
• Employee distribution: Germany 100%
• Founded year: 2009
• Headcount: 51-200
• LinkedIn: finmasgmbh

Finmas GmbH, founded in 2009 and based in Berlin, Germany, operates as a financial services company that caters specifically to banking institutions, with a strong emphasis on Sparkassen. The company offers a range of digital marketplaces, including BaufiSmart for construction financing and KreditSmart for installment credit products. These platforms are designed to improve customer engagement and streamline operations for financial institutions. In addition to their marketplace offerings, Finmas provides consulting services that help banks enhance their digital customer acquisition strategies and adapt to evolving market demands. Their Innovation Lab focuses on developing new digital solutions, ensuring that they remain at the forefront of technological advancements in the banking sector. With a dedicated workforce of around 81 employees, Finmas is fully operational in Germany, contributing to the fintech ecosystem by supporting traditional banks in their digital transformation efforts.

13. TF Bank in Deutschland & Österreich

• Website: tfbank.de
• Ownership type: Private
• Headquarters: Berlin, Berlin, Germany
• Employee distribution: Germany 56%, Poland 29%, Norway 9%, Other 6%
• Founded year: 2017
• Headcount: 201-500
• LinkedIn: tf-bank-germany

TF Bank in Deutschland & Österreich, established in 2017, operates as a private financial services provider based in Berlin. The bank specializes in offering a variety of banking products, including the TF Mastercard Gold, a no-fee credit card, as well as savings options like Tagesgeldkonto and Festgeldkonto. With a strong online presence, TF Bank allows customers to manage their accounts through a user-friendly mobile app, enhancing accessibility and convenience. The bank's focus on flexible financial solutions caters to individual consumers, providing them with options for secure transactions and manageable payment plans. Additionally, the bank is committed to customer safety, implementing measures to protect against phishing and fraud. While it has not reported any funding, its operational model and product offerings position it as a relevant player in the fintech industry.

14. Sofort

• Website: sofort.com
• Ownership type: Corporate
• Headquarters: Flensburg, Schleswig-Holstein, Germany
• Employee distribution: United States (USA) 67%, Germany 33%
• Latest funding: March 2013
• Founded year: 2005
• Headcount: 51-200
• LinkedIn: sofortgmbh

Sofort GmbH, based in Flensburg, Germany, is a financial technology company that specializes in payment processing solutions. Established in 2005, Sofort has become a prominent name in the payment sector, particularly known for its Pay by Bank Transfer service. The company caters to both businesses and consumers, emphasizing secure and efficient payment methods that enhance the checkout experience. In 2014, Sofort was acquired by Klarna, which has allowed it to leverage Klarna's extensive brand reach and technological capabilities. This integration has led to the development of Klarna Payments, which combines Sofort's bank transfer technology with Klarna's user-friendly interface, resulting in faster checkouts and improved payment management. Sofort has been recognized as one of the top three most-used payment methods in Germany and Austria, highlighting its significant role in the fintech industry.

15. P24 GmbH

• Website: p24.eu
• Ownership type: Private
• Headquarters: Passau, Bavaria, Germany
• Employee distribution: Germany 100%
• Founded year: 2010
• Headcount: 11-50
• LinkedIn: p24-gmbh

P24 GmbH, founded in 2010 and based in Passau, Bavaria, Germany, is a private fintech company that specializes in innovative banking services and financial management tools. With a team of 11 to 50 employees, P24 GmbH aims to enhance the way individuals manage their finances through a user-friendly mobile app and dedicated customer support. Their offerings include comprehensive account management, secure payment solutions, and a commitment to high security standards. The company is focused on leveraging modern technology to provide intuitive design and seamless user experiences, making financial management more accessible and efficient for their customers. P24 GmbH's mission is to transform the banking experience, opening new possibilities for users to actively shape their financial futures.

16. Owwn

• Website: owwn.com
• Ownership type: Venture Capital
• Headquarters: Berlin, Berlin, Germany
• Employee distribution: Germany 100%
• Latest funding: Seed, $6.1M, June 2021
• Founded year: 2021
• Headcount: 11-50
• LinkedIn: owwnapp

Owwn, known as N26, is an online bank based in Berlin, Germany, founded in 2021. It provides a range of financial services tailored for a modern banking experience. Customers can open current accounts, savings accounts, and engage in investment activities, all through a user-friendly mobile app. N26 emphasizes features like instant money transfers and cryptocurrency trading, catering to a demographic that values convenience and accessibility in managing their finances. The company operates under a full banking license from BaFin, ensuring that customer deposits are protected up to €100,000. With a recent seed funding round of €6 million, Owwn is positioned for growth and innovation in the fintech industry, appealing to consumers looking for a seamless banking experience.

17. Aazzur

• Website: aazzur.com
• Ownership type: Venture Capital
• Headquarters: Berlin, Berlin, Germany
• Employee distribution: Germany 90%, United Kingdom (UK) 10%
• Latest funding: Seed, October 2023
• Founded year: 2017
• Headcount: 11-50
• LinkedIn: aazzur

Aazzur is a fintech company based in Berlin, Germany, founded in 2017. The company specializes in embedded finance solutions, offering a platform that enables businesses to seamlessly integrate a variety of financial services, including lending and insurance, into their applications. Aazzur caters to a wide range of clients, from startups to large enterprises, helping them enhance their financial offerings and improve customer engagement through technology. Their innovative approach includes the use of Smart Finance Blocks, which are modular components that allow for quick customization and deployment of financial services. Aazzur's commitment to providing a user-friendly experience and their focus on compliance and industry standards further solidify their position in the fintech sector. With a team of experienced professionals, Aazzur aims to modernize financial services and empower businesses to offer tailored financial solutions to their customers.

18. Hypoport SE

• Website: karriere.hypoport.de
• Ownership type: Private
• Headquarters: Berlin, Berlin, Germany
• Founded year: 1999
• Headcount: 1001-5000
• LinkedIn: hypoport-ag

Hypoport SE, founded in 1999 and based in Berlin, Germany, operates as a fintech company that specializes in connecting financial advisors, real estate professionals, and insurance providers with various product providers. The company has developed a network of approximately 20 autonomous technology firms, which enhances its ability to facilitate access to financial services across the financial, real estate, and insurance sectors. Hypoport's platforms are designed to streamline interactions between these professionals and product providers, thereby improving service offerings and operational efficiency. With a workforce of around 2,500 employees, Hypoport SE has established itself as a significant entity in the fintech space, focusing on innovation and agile methodologies to adapt to market dynamics.

19. coconet Group

• Website: coconet.de
• Ownership type: Private Equity
• Headquarters: Neunkirchen, North Rhine-Westphalia, Germany
• Employee distribution: Germany 49%, Poland 45%, Romania 5%, Other 1%
• Latest funding: April 2024
• Founded year: 1984
• Headcount: 201-500
• LinkedIn: coconet-ag

Coconet Group, based in Neunkirchen, North Rhine-Westphalia, Germany, is a financial technology company that specializes in providing digital banking solutions for corporate clients. Established in 1984, the company has built a robust portfolio of products designed to enhance the operational efficiency of banks and financial institutions. Their offerings include payment processing, cash management, and digital onboarding services, all aimed at streamlining the banking experience for corporate customers. Coconet's innovative technology is underpinned by a strong commitment to regulatory compliance, ensuring that their solutions meet the necessary standards in the financial sector. With a workforce of over 200 employees, the company operates primarily in Germany, Poland, and Romania, reflecting a solid presence in the European market. Their focus on creating a seamless digital banking experience positions them as a relevant player in the fintech industry.

20. IDnow

• Website: idnow.io
• Ownership type: Private Equity
• Headquarters: Munich, Bavaria, Germany
• Employee distribution: Germany 50%, France 32%, Romania 8%, Other 9%
• Latest funding: March 2025
• Founded year: 2014
• Headcount: 501-1000
• LinkedIn: idnow

IDnow, founded in 2014 and based in Munich, Germany, is a technology company that specializes in identity verification solutions. The firm offers a range of services, including automated identity verification, expert-led video verification, and digital signatures. These services cater to various industries, particularly fintech, where compliance with regulations and fraud prevention are paramount. IDnow's solutions help businesses navigate complex regulatory environments while enhancing user experience. The company has established a significant presence in Europe, processing millions of identity verifications annually and serving over 900 customers across 195 countries. Their innovative approach to identity verification positions them as a key player in the fintech space, addressing the growing demand for secure and efficient onboarding processes.

21. Bo1 Ag

• Website: bo1.de
• Ownership type: Private
• Headquarters: Frankfurt, Hesse, Germany
• Employee distribution: Germany 100%
• Founded year: 2019
• Headcount: 11-50
• LinkedIn: bo1

Bo1 Ag, established in 2019 and based in Frankfurt, Germany, is a fintech company dedicated to transforming digital finance. The firm specializes in innovative payment processing solutions, including Buy Now, Pay Later options and real-time credit scoring. Their offerings are designed to empower both businesses and consumers by providing flexible payment solutions that enhance financial decision-making. Bo1 Ag's products are identity-based, easily integrable into existing systems, and provide immediate information to users, ensuring a seamless experience. The company has positioned itself strategically in the financial technology sector, leveraging digital tools to address the complexities of modern finance. Their partnership with TeleCash from Fiserv allows them to offer a range of payment options at points of sale, further solidifying their role in the industry. With a team of experts from various fields, Bo1 Ag is committed to developing customer-centric solutions that meet the evolving needs of the market.

Financial Technology Insights: Key Companies in Germany

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