Top Fintech Startups in Germany

Germany’s fintech landscape has undergone a rapid transformation over the past decade, evolving from what was once a relatively cautious financial environment into one of Europe’s most dynamic innovation hubs. Traditionally dominated by large banks and conservative investment culture, the German financial sector is now home to hundreds of agile startups reshaping everything from digital banking and trading to identity verification and crypto services.

Regulatory support, strong infrastructure and a growing appetite for digital solutions have played a key role in this shift. Cities like Berlin, Munich and Frankfurt especially have emerged as hotspots for fintech development, attracting talent, venture capital and international attention.

As financial services increasingly move online, Germany’s fintech ecosystem continues to push boundaries, blending technological sophistication with the country’s reputation for reliability and precision.

 

Germany’s Fintech Industry: Current Trends and Future Outlook

The fintech sector in Germany is currently one of the largest in Europe, second only to the UK in terms of funding and number of startups. It has seen steady growth in areas like digital banking, robo-advisory, blockchain and insurtech. The regulatory environment, led by BaFin, has struck a careful balance between innovation and security, giving fintechs room to grow while maintaining trust.

Berlin continues to be the epicentre of fintech innovation, followed closely by Frankfurt with its financial legacy and Munich’s tech-savvy environment. As the digital economy is constantly expanding, German fintechs are branching out into underserved markets, sustainability-focused financial services and AI-driven analytics.

Investors are increasingly focusing on companies that offer scalable models with cross-border potential. With the European Union pushing for open banking and increased financial transparency, German fintech startups are well-positioned to lead the next wave of financial innovation across the continent and beyond.

 

 

Top 10 Fintech Startups in Germany in 2025 

 

So, without further ado, here are 10 of the top fintech startups in Germany in 2025.

 

N26

 

Founded in 2013 in Berlin by Valentin Stalf and Maximilian Tayenthal, N26 has become one of Europe’s most recognised neobanks. It offers a fully digital banking experience through a sleek mobile app, eliminating the need for physical branches.

N26 quickly gained popularity for its user-friendly interface, real-time spending notifications and fee-free international transactions. The company has raised over $1.8 billion in funding and served millions of customers across Europe and the U.S. (before later exiting the U.S. market in 2022). N26 stands out for its clean design, innovative features and aggressive international expansion, positioning itself as a true digital alternative to traditional banking.

 

fintropolis

 

Launched in 2021 in Hamburg, Fintropolis is less a single startup and more an innovative ecosystem project, born out of a partnership between the Hamburg University of Applied Sciences and several financial institutions. The initiative focuses on the future of digital finance, offering a simulation platform where fintech solutions can be tested in a realistic environment.

Fintropolis uniquely bridges academia, fintech startups and regulators, fostering collaboration and experimentation. While it’s not a company in the traditional sense, its role in shaping fintech innovation in Germany makes it a pivotal player in the ecosystem.

 

Devexperts

 

Founded in 2002 in Munich, Devexperts specialises in developing financial software solutions for brokerages, exchanges and wealth management firms. The company was started by a group of financial technology veterans and now operates globally, with offices in Europe, the U.S., and Asia.

Its platform powers some of the world’s largest trading environments, known for high performance and reliability. Devexperts is unique in that it remains largely independent and B2B-focused, catering to enterprise-level clients with complex infrastructure needs rather than retail consumers.

 

Scalable Capital

 

Scalable Capital was founded in 2014 in Munich by Erik Podzuweit and Florian Prucker. It began as a robo-advisor platform aimed at retail investors, using algorithms to manage portfolios with low fees and high efficiency. Over time, it evolved into a broader investment platform offering stock and ETF trading, savings plans and interest-bearing accounts.

With over €15 billion in assets under management as of 2024, Scalable Capital is one of the largest digital investment platforms in Europe. Its success lies in making investing more accessible while maintaining a strong emphasis on risk management and transparency.

 

Vivid Money

 

Founded in Berlin in 2019 by Artem Yamanov and Alexander Emeshev (former Tinkoff Bank executives), Vivid Money offers a mobile-first financial platform combining banking, investing, and budgeting in a single app. The startup stands out with its cashback programs, fractional stock trading and real-time analytics.

It targets a younger demographic looking for flexibility and integration between spending and investing. Vivid has grown rapidly in Germany and beyond, thanks to its slick interface and feature-rich offering, making it a rising star in the European neobank scene.

 

Solaris

 

Solaris, originally known as Solarisbank, was founded in 2016 in Berlin by Andreas Bittner and Marko Wenthin. Unlike traditional neobanks, Solaris operates as a Banking-as-a-Service (BaaS) platform, allowing other fintechs and businesses to embed banking services like accounts, cards, and lending into their apps.

With a full German banking license, Solaris serves as the infrastructure behind many well-known fintechs across Europe. Its success lies in enabling innovation at scale and it has attracted hundreds of millions in funding to expand its API-based services across the continent.

 

Taxfix

 

Launched in 2016 in Berlin by Lino Teuteberg and Mathis Büchi, Taxfix aims to simplify the often painful process of filing taxes in Germany. The app uses a conversational interface to guide users through their tax returns, significantly reducing the time and complexity involved. It’s especially popular among freelancers, expats, and young professionals unfamiliar with the German tax system.

With over €300 million in funding and millions of users, Taxfix has become a household name in German fintech, carving out a unique niche by merging compliance with usability.

 

Coinbux

 

Coinbux is a newer player in the German fintech space, founded in 2020 in Frankfurt by a team of blockchain enthusiasts led by Tobias Meier. It provides a crypto payment and wallet platform designed for everyday use, aiming to bridge the gap between crypto and fiat payments in retail environments.

Coinbux differentiates itself by focusing on user-friendly mobile interfaces, compliance with EU crypto regulations, and integration with merchant systems. Though still in early growth stages, Coinbux is gaining attention for bringing crypto closer to mainstream utility in Germany.

 

WebID

 

WebID was founded in 2012 in Berlin by Frank S. Jorga and pioneered the use of video identification for verifying users remotely, a service now widely used in fintech and banking for KYC (Know Your Customer) compliance. The company offers various identity solutions, including video ID, e-signatures and online contract signing.

WebID played a crucial role in digitising onboarding processes in Germany, especially during the COVID-19 pandemic. Its technology has become a gold standard for remote verification in regulated industries.

 

Bitwala

 

Bitwala, founded in 2015 in Berlin by Jörg von Minckwitz, Benjamin P. Jones and Jan Goslicki, was one of the first startups to combine traditional banking with cryptocurrency trading. The company offered a hybrid account where users could manage euros and crypto assets side by side.

In 2021, Bitwala rebranded to Nuri and expanded its offerings to include interest-earning products. Despite filing for insolvency in 2022 due to market conditions, Bitwala was a trailblazer in integrating crypto with everyday banking in Germany and left a lasting mark on the fintech landscape.