Radar · Banking Tech in Germany
Best Banking Tech Companies in Germany
The 198 best Banking Tech companies in Germany in 2026, ranked by funding and momentum. Funding, investors, founders, valuation, tech stack and live signals. Top: N26.
By Riya SenguptaFinancials
198companies tracked
$4.2Bdisclosed funding
3unicorns
67have raised
Germany's Banking Tech scene now tracks 198 companies and $4.2B in disclosed funding, which tells you this market has real institutional weight behind it. Solaris alone has pulled in $591M, a figure that puts it in a different category from the rest of the directory, where Taktile ($25M), Credibur ($8M), and Sinpex ($6M) represent the next tier. Three unicorns have emerged from this cohort, and the [global Banking Tech market sits at $9.5B in 2025, forecast to reach $17.0B by 2035 at a 13.7% CAGR](https://idc.com). That's not hype math. It's the compounding effect of data becoming a core asset for banks and digital platforms consistently outperforming traditional acquisition channels for new clients.
So what's driving the momentum at the company level? Median app install growth of +23% YoY across nearly 1,000 banking and investment banking apps is a clean signal that end-user adoption is accelerating, not just enterprise contract cycles. As shown in 2022 research, digital banking's capacity to generate new income streams is a measurable structural shift, not a cyclical blip. Germany's regulatory environment adds friction, data privacy concerns included, but I'd argue that's also why serious capital concentrates here rather than scattering. Active backers like Plug and Play Tech Center and IFB Innovationsstarter aren't writing small checks into a fragile ecosystem.
Sources & further reading
- IDC
FLIAR INTELLIGENCE · BANKING TECH × GERMANY
Our analysis of 50 Banking Tech companies
$7.7b in tracked funding; 98% of the stack-profiled cohort runs cloud-native; funding activity peaked in 2025.
50companies analysed
98%cloud-native stacks
2025funding peak (by rounds)
12unicorns
2016median founding year
644kcombined LinkedIn audience
68%of audience held by top 3
1companies hiring publicly (12 mo)
Ranked: Best Banking Tech companies in Germany
| # | Company | Disclosed funding | Last round | Employees | Founder | Tech stack | App-install YoY | Market signals (1y) | Patents & IP focus | Recent signals |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | N26 🦄 Provider of mobile banking services, including savings, investment, and crypto 82Market top 19%Talent top 20%Fin. health top 25%Moat top 26% All 12 signals ▾Markettop 19% Talenttop 20% Fin. healthtop 25% Moattop 26% Newstop 27% Fundingtop 29% Techtop 33% Customerstop 40% Producttop 43% Growthtop 47% Innovationtop 48% Globaltop 48% Market: 1,426 employees (top 5% of FinTech) · Revenue ~$216M Talent: 4 named leaders on record · 4 C-suite/founder profiles curated rank vs industry peers · Fliar Intelligence Index 82/100 | $1.7B | 56 mo ago | 1,426 1,426 → 1,944 (+36%) · sector median +28% | Maximilian Tayenthal Founder & Co-CEO | ContentfulApple iCloud MailGoogle Workspace+17 | — | 32 signals ▲357% Leadership · Regulatory | — | 2 launchs |
| 2 | Solaris 🦄 Provider of banking-as-a-service platform offering digital banking and payment solutions 57Partners top 23%Funding top 25%Growth top 32%Moat top 32% All 11 signals ▾Partnerstop 23% Fundingtop 25% Growthtop 32% Moattop 32% Techtop 36% Globaltop 37% Newstop 39% Markettop 47% Fin. healthbottom 43% Innovationbottom 39% Patentsbottom 34% Partners: 4 contract events in 12 mo · Named contractor/client in 4 deals Funding: Raised $591M across 9 rounds · 9 rounds over 10 yrs (0.9/yr) rank vs industry peers · Fliar Intelligence Index 57/100 | $591M | 16 mo ago | 317 317 → 600 (+89%) · sector median +28% | — | Apple iCloud MailGoogle WorkspaceSalesforce+19 | — | 13 signals ▼28% Leadership · Contracts · Layoffs | 4 patents Fire‑resistant transparent hollow building elements and fire‑retarding wall systems | 1 partnership |
| 3 | Raisin Comparison platform for bank accounts 53Funding top 25%Tech top 27%Talent top 28%Moat top 31% All 11 signals ▾Fundingtop 25% Techtop 27% Talenttop 28% Moattop 31% Producttop 40% Globaltop 42% Customerstop 44% Growthtop 45% Innovationbottom 40% Marketbottom 33% Newsbottom 24% Funding: Raised $304M across 7 rounds · 7 rounds over 13 yrs (0.5/yr) Tech: 50 technologies across 6/8 capability areas · Cloud: Amazon Cloudfront, Amazon S3 rank vs industry peers · Fliar Intelligence Index 53/100 | $304M | 40 mo ago | 8 | Michael Stephan Co-Founder & COO | ContentstackApple iCloud MailGoogle Workspace+33 | — | — | — | — |
| 4 | Solarisbank Provider of banking-as-a-service platform offering digital banking and lending solutions | $291M | 58 mo ago | — | Roland Folz CEO | — | — | — | — | — |
| 5 | Deposit Solutions 🦄 Open banking API solutions | $212M | 81 mo ago | 187 | — | — | — | — | 7 patents Automated deposit container return and cleaning systems with monitoring and safety mechanisms | — |
| 6 | Vivid Digital bank for individuals | $205M | 52 mo ago | 226 | Artem Yamanov Co-Founder | SentryApple iCloud MailGoogle Workspace+24 | +13% | — | — | 1 launch · 1 partnership · 2 awards |
| 7 | Cognigy Provider of AI-powered customer service automation platform and agent assistance 78Growth top 23%Tech top 24%AI top 25%News top 31% All 13 signals ▾Growthtop 23% Techtop 24% AItop 25% Newstop 31% Moattop 31% Fundingtop 34% Talenttop 34% Fin. healthtop 35% Producttop 46% Marketbottom 49% Innovationbottom 47% Patentsbottom 46% Globalbottom 39% Growth: Headcount 59 → 98 (+66%) across vintages · Revenue +79% YoY Tech: 50 technologies across 6/8 capability areas · Cloud: Amazon Web Services, Cloudflare rank vs industry peers · Fliar Intelligence Index 78/100 | $165M | 24 mo ago | 98 | Sascha Poggemann Founder - COGNIGY.AI - Conversational Process Automation Technology | Node.jsRadix UITailwind CSS+19 | — | 4 signals ▲100% M&A | 6 patents Conversational AI dialog management platforms with integrated process optimization algorithms | — |
| 8 | Penta Bank Provider of business banking and financial management solutions via application | $72M | 58 mo ago | 200 | Alexandre Prot Co-Founder | — | — | — | — | — |
| 9 | CrossLend Secondary marketplace for loans | $55M | 80 mo ago | 65 | Marco Hinz Managing Director | WordPressApple iCloud MailGoogle Workspace+21 | — | — | — | — |
| 10 | Bitwala App-based cryptocurrency trading platform | $48M | 28 mo ago | 43 43 → 30 (-30%) · sector median +28% | Jorg Minckwitz Co-Founder | Framer SitesReactAmazon Web Services+14 | +6% | — | — | — |
| 11 | Kontist Digital bank for freelancers and self-employed | $47M | 55 mo ago | 61 | — | SentryTypeScriptGraphQL+20 | — | — | — | 1 job opening |
| 12 | finmid Finmid is the embedded lending infrastructure powering platform growth | $40M | 26 mo ago | 35 | Alexander Talkanitsa Co-Founder | SentryMUIReact+11 | — | — | — | 1 partnership |
| 13 | IDnow Provider of automated and expert-led identity verification and digital trust services | $40M | 46 mo ago | 450 | Sebastian Baerhold Co-Founder | WordPress Block EditorWordPressMySQL+39 | +20% | 9 signals ▲125% Leadership | 18 patents Digital identity verification and biometric authentication services | — |
| 14 | LaterPay Provider of tools enabling pay-as-you-go monetization for digital content and services | $37M | 72 mo ago | 16 | — | — | — | — | 6 patents In-app contextual payment processing and app activation for mobile commerce | — |
| 15 | Compeon Comparison platform for business financial products | $37M | 64 mo ago | 107 | — | WordPressApple iCloud MailMicrosoft 365+19 | — | — | — | — |
| 16 | Tomorrow Digital bank 45Talent top 28%Tech top 29%Growth top 35%Customers top 42% All 10 signals ▾Talenttop 28% Techtop 29% Growthtop 35% Customerstop 42% Fundingtop 45% Producttop 49% Globalbottom 39% Fin. healthbottom 39% Newsbottom 24% Marketbottom 22% Talent: 3 named leaders on record · 3 C-suite/founder profiles curated Tech: 45 technologies across 5/8 capability areas · Cloud: Amazon Cloudfront, Amazon Web Services rank vs industry peers · Fliar Intelligence Index 45/100 | $30M | 20 mo ago | 47 47 → 106 (+126%) · sector median +28% | Michael Schweikart Co-Founder & Co-CEO Tomorrow | Cart FunctionalityShopifyApple iCloud Mail+20 | +16% | — | — | — |
| 17 | Ivy Provider of financial infrastructure for payments and banking in digital economy | $28M | 33 mo ago | — | Peter Lieck Co-Founder & CRO | Framer SitesReactAmazon Web Services+16 | — | — | 2 patents Hair treatment formulations and dermatological mask technologies | — |
| 18 | Qwist Platform offering smart data solutions for open finance | $27M | 60 mo ago | 150 | Nicola Breyer CEO | WordPressApple iCloud MailMicrosoft 365+31 | — | — | — | — |
| 19 | Abaxx Technology Process management solutions for banks and financial services firms | $26M | 243 mo ago | 51 | — | — | — | — | — | — |
| 20 | Taktile Provider of an agentic decision platform for financial service applications 53AI top 30%Funding top 33%Talent top 38%Moat top 39% All 11 signals ▾AItop 30% Fundingtop 33% Talenttop 38% Moattop 39% Techtop 40% Producttop 41% Innovationbottom 47% Growthbottom 47% Marketbottom 39% Globalbottom 39% Newsbottom 21% AI: Classified as an AI company · Product described with: artificial intelligence Funding: Raised $24.7M across 4 rounds · 4 rounds over 5 yrs (0.8/yr) rank vs industry peers · Fliar Intelligence Index 53/100 | $25M | 15 mo ago | 62 | Maximilian Eber Co-Founder & CPTO | Apple iCloud MailGoogle WorkspacePHP+26 | — | — | — | — |
| 21 | neoshare Real estate and project financing platform | $20M | 25 mo ago | — | Nico Singer CEO & MD | WebflowApple iCloud MailMicrosoft 365+21 | — | — | — | — |
| 22 | Receeve AI-based debt servicing software | $18M | 53 mo ago | 25 | Paul Jozefak CEO | — | — | — | — | — |
| 23 | Fidor Bank Digital bank for individuals and businesses | $15M | 154 mo ago | 118 | Laurent Poiron Chief Executive Officer | — | — | — | — | — |
| 24 | Ecolytiq Provider of an environment-based payment solution for consumers as well as businesses | $14M | 48 mo ago | 64 | Mirko Kampf Co-Founder | — | — | — | — | — |
| 25 | WeltSparen Online investment products and services comparison platform | $10M | 144 mo ago | 11 | Michael Stephan Co-Founder & COO | ContentstackWordPressMySQL+28 | — | — | — | — |
| 26 | Credibur Developer of software for managing debt facilities and portfolios 40Funding top 40%Global top 45%Talent bottom 49% All 3 signals ▾Fundingtop 40% Globaltop 45% Talentbottom 49% Funding: Raised $8.0M across 2 rounds · 2 rounds over 1 yrs (2.0/yr) Global: Investors from 3 countries beyond Germany rank vs industry peers · Fliar Intelligence Index 40/100 | $8M | 10 mo ago | — | Nicolas Kipp Founder & CEO | — | — | — | — | — |
| 27 | Savedo Online comparison platform for fixed-term deposits | $8M | 120 mo ago | 40 | — | — | — | — | — | — |
| 28 | OWWN Internet-first bank for consumers | $6M | 60 mo ago | 18 | — | — | — | — | — | — |
| 29 | Sinpex AI based KYC management platform for businesses 40AI top 25%Talent top 38%Funding top 40%News top 42% All 8 signals ▾AItop 25% Talenttop 38% Fundingtop 40% Newstop 42% Moattop 48% Techbottom 45% Globalbottom 39% Marketbottom 28% AI: Product described with: ai based, artificial intelligence, natural language processing Talent: 2 named leaders on record · 2 C-suite/founder profiles curated rank vs industry peers · Fliar Intelligence Index 40/100 | $6M | 5 mo ago | 23 | Camillo Werdich Co-Founder & CEO | WebflowGSAPcore-js+17 | — | — | — | 1 partnership |
| 30 | ndgit Open banking API solutions for banks and financial institutions | $6M | 97 mo ago | 41 | — | — | — | — | — | — |
| 31 | IND Group Digital channel solutions provider to retail banks. | $6M | 225 mo ago | 200 | Balazs Vinnai Founder & ex- CEO | — | — | — | — | — |
| 32 | FinTecSystems Open banking API solutions | $5M | 102 mo ago | 35 | Stefan Krautkrämer Founder & Managing Director | — | — | — | — | — |
| 33 | Donnerstag.ai Provider of automated credit reconciliation software for businesses and organizations 72AI top 20%Talent top 38%Funding top 42%Global bottom 48% All 4 signals ▾AItop 20% Talenttop 38% Fundingtop 42% Globalbottom 48% AI: Classified as an AI company Talent: 2 named leaders on record · 2 C-suite/founder profiles curated rank vs industry peers · Fliar Intelligence Index 72/100 | $5M | 6 mo ago | — | Barbaros Ozbugutu Co-Founder & CEO | — | — | — | — | 1 expansion |
| 34 | Ruuky Internet-first bank offering digital banking services for young adults | $5M | 46 mo ago | 19 | Deepankar Jha Co-Founder | — | — | — | — | — |
| 35 | pockid Digital bank for individuals | $5M | 55 mo ago | 41 | Max Schwarz Co-Founder & CEO | — | — | — | — | — |
| 36 | Prestatech Banking software suite | $4M | 38 mo ago | 11 | Massimiliano Mastalia Co-founder | SanityNode.jsHeadless UI+18 | — | — | — | — |
| 37 | muffintech Conversational AI platform for the insurance industry | $4M | 16 mo ago | — | Tomas Gan Co-Founder | Framer SitesReactPostHog+7 | — | — | — | — |
| 38 | Awamo Microfinance management solution provider | $3M | 92 mo ago | 38 | Benedikt Kramer Co-Founder | — | — | — | — | — |
| 39 | maviance Provider of digital payment and e-visa solutions for businesses and governments | $3M | 51 mo ago | 15 | Jerry Cheambe Co-Founder & Managing Director | WordPressMySQLPHP+12 | — | — | — | — |
| 40 | insha Interest-free digital banking platform | $3M | 67 mo ago | 8 | — | — | — | — | — | — |
| 41 | Nect Solutions for identity verification 72Growth top 28%Innovation top 30%Product top 32%Customers top 32% All 11 signals ▾Growthtop 28% Innovationtop 30% Producttop 32% Customerstop 32% Techtop 34% Patentstop 34% Talenttop 38% Moattop 42% Markettop 46% Fundingtop 49% Globalbottom 40% Growth: Headcount 40 → 85 (+112%) across vintages · Web rank 500,000 → 5,000,000 YoY Innovation: 13 patents (top 48% of patent-holders) · 9 filings since 2022 vs 4 in 2017-21 rank vs industry peers · Fliar Intelligence Index 72/100 | $3M | 14 mo ago | 85 85 → 103 (+21%) · sector median +28% | Carlo Ulbrich Co-Founder & Chief Sales Officer | WordPressMySQLPHP+23 | +33% | — | 13 patents Automated verification and integrity proofing of remote video recordings and live identification | — |
| 42 | 4Stop Provider of on-demand KYC solutions | $2M | 85 mo ago | 4 | Ingo Ernst Founder & CEO | — | — | — | — | — |
| 43 | Atrya Provider of regulated stablecoin infrastructure for businesses needing digital payment solutions 55Talent top 25%Funding bottom 45%Global bottom 25% All 3 signals ▾Talenttop 25% Fundingbottom 45% Globalbottom 25% Talent: 6 named leaders on record Funding: Raised $1.7M across 1 rounds · 1 rounds over 1 yrs (1.0/yr) rank vs industry peers · Fliar Intelligence Index 55/100 | $2M | 7 mo ago | — | Benjamin James Co-Founder & Head of Technology | — | — | — | — | — |
| 44 | AAZZUR Provider of open banking API solutions to banks and financial institutions 29Talent top 38%Innovation top 39%Product top 43%Funding top 47% All 9 signals ▾Talenttop 38% Innovationtop 39% Producttop 43% Fundingtop 47% Newstop 48% Moattop 48% Globalbottom 45% Techbottom 44% Marketbottom 17% Talent: 2 named leaders on record · 2 C-suite/founder profiles curated Innovation: 5 product lines rank vs industry peers · Fliar Intelligence Index 29/100 | $1M | 8 mo ago | 3 | Martin Damaske Co-Founder & CFO | — | — | — | — | 2 partnerships · 1 award |
| 45 | Spring Techno Developer of algorithms and software for data analysis and visualization | $1M | 89 mo ago | — | Holger Arndt CEO | — | — | — | — | — |
| 46 | European DataWarehouse Provider of securitisation repository services for asset-backed securities and loan portfolios | $719K | 43 mo ago | 23 23 → 43 (+87%) · sector median +28% | — | WordPressApple iCloud MailMicrosoft 365+27 | — | 3 signals ▲200% Leadership | 3 patents Standardized credit rating reporting templates for financial data analytics | 1 launch |
| 47 | ACTICO Risk management, and compliance solutions through automation and machine learning capabilities | $304K | 123 mo ago | 125 125 → 132 (+6%) · sector median +28% | Thomas Knopfler Co-Founder | WordPressMySQLPHP+26 | — | — | — | 1 award |
| 48 | TXS Provider of software and services for secured bank refinancing | $245K | 99 mo ago | 101 101 → 59 (-42%) · sector median +28% | Simon Zhou CEO | — | — | — | — | — |
| 49 | Etherisc Decentralized insurance application for Insurers | $182K | 89 mo ago | 18 | Christoph Mussenbrock Co-Founder & CEO | MediumAlgoliaNode.js+10 | — | — | — | — |
| 50 | Conatix Provider of knowledge management solutions | $135K | 108 mo ago | — | David Lehrer CEO | — | — | — | — | — |
Top 12 Banking Tech companies in Germany
#1
Solaris 🦄Acquired · Berlin, Berlin · founded 2016 · 317 employees$590.8Mraised▾
Solaris 🦄
Acquired · Berlin, Berlin · founded 2016 · 317 employees
Provider of banking-as-a-service platform offering digital banking and payment solutions. The platform enables businesses to embed financial services into their own products. Services include accounts, identification, cards, payments, and lending. The platform offers APIs designed for scalability and product customization.
Fliar Intelligence Index™ 57how this company ranks against its industry peers
Partners
top 23%Funding
top 25%Growth
top 32%Moat
top 32%Tech
top 36%Global
top 37%Partners: 4 contract events in 12 mo · Named contractor/client in 4 deals · Marquee-customer mentions: top 30% of tracked companies
Funding: Raised $591M across 9 rounds · 9 rounds over 10 yrs (0.9/yr) · Last round Series G (Feb 2025)
Growth: Headcount 232 → 317 (+37%) across vintages · Revenue +215% YoY · 1 acquisition/expansion move in 24 mo
Audience (LinkedIn): 60k LinkedIn followers — 9.3% of this cohort's audience
Activity (LinkedIn): 1 partnerships (incl. Data Protection and Product & Engineering) announced in 12 mo
Funding rounds
- Feb 2025Series G$144.9M
- Mar 2024Series F$104.5M
- Jul 2023Series F$41.7M
- Jun 2022Series E$42.2M
Investors
SBI Investment, BBVA, Abn Amro, Bertelsmann, Lakestar, Visa
Tech stack
Amazon CloudfrontAmazon Web ServicesApple Icloud MailCloudflareCloudflare Bot ManagementContentful
#2
Series A · Munich, Bavaria · founded 2019 · 23 employees$6.1Mraised▾
Series A · Munich, Bavaria · founded 2019 · 23 employees
AI based KYC management platform for businesses. It provides automated identification and compliance solutions using artificial intelligence and natural language processing. It helps users to increase compliance performance and verify customer information from documents and external data sources in real-time. It also helps financial institutions to manage regulatory compliance processes, including KYC, client onboarding, and more.
Fliar Intelligence Index™ 40how this company ranks against its industry peers
AI
top 25%Talent
top 38%Funding
top 40%News
top 42%Moat
top 48%Tech
bottom 45%AI: Product described with: ai based, artificial intelligence, natural language processing
Talent: 2 named leaders on record · 2 C-suite/founder profiles curated
Funding: Raised $6.1M across 3 rounds · 3 rounds over 5 yrs (0.6/yr) · Last round Series A (Jan 2026)
Audience (LinkedIn): 4k LinkedIn followers
Activity (LinkedIn): 1 partnerships (incl. OTTO Payments) announced in 12 mo
Funding rounds
- Jan 2026Series A$11.6M
- Jan 2024Series A$4.4M
- 2023Seed—
- Dec 2021Seed$1.7M
Founders & team
Investors
EquityPitcher Ventures, AI.FUND, Helvetia, Goldman Sachs, TX, BlackFin
#3
Seed · Frankfurt Am Main, Hesse · founded 2025$5Mraised▾
Seed · Frankfurt Am Main, Hesse · founded 2025
Provider of automated credit reconciliation software for businesses and organizations. The system identifies discrepancies in credits, linking orders, credits, and payments for reconciliation. It offers a platform for managing receivables, securing liquidity through discrepancy detection, and automating reconciliation processes. The software integrates with accounting and ERP systems, providing transparency in financial transactions.
Fliar Intelligence Index™ 72how this company ranks against its industry peers
AI
top 20%Talent
top 38%Funding
top 42%Global
bottom 48%AI: Classified as an AI company
Talent: 2 named leaders on record · 2 C-suite/founder profiles curated
Funding: Raised $5.0M across 1 rounds · 1 rounds over 1 yrs (1.0/yr) · Last round Seed (Nov 2025)
Audience (LinkedIn): 2k LinkedIn followers
Activity (LinkedIn): 1 expansions announced in 12 mo
Funding rounds
- Nov 2025Seed$5M
Founders & team
Investors
Speedinvest, QED Investors, Crestone Venture Capital
#4
Series B · Berlin, Berlin · founded 2020 · 62 employees$24.7Mraised▾
Series B · Berlin, Berlin · founded 2020 · 62 employees
Provider of an agentic decision platform for financial service applications. The platform combines artificial intelligence automation with human oversight for decision-making processes. It offers tools for onboarding, credit assessment, compliance, and fraud detection. The platform features pre-built agents, data orchestration, and real-time performance monitoring.
Fliar Intelligence Index™ 53how this company ranks against its industry peers
AI
top 30%Funding
top 33%Talent
top 38%Moat
top 39%Tech
top 40%Product
top 41%AI: Classified as an AI company · Product described with: artificial intelligence
Funding: Raised $24.7M across 4 rounds · 4 rounds over 5 yrs (0.8/yr) · Last round Series B (Feb 2025)
Talent: 2 named leaders on record · 2 C-suite/founder profiles curated
Audience (LinkedIn): 27k LinkedIn followers — 4.2% of this cohort's audience · 162 engagements/post (4.3× cohort median)
Funding rounds
- Feb 2025Series B$54M
- Nov 2022Series A$20M
- Aug 2021Seed$4.7M
- Aug 2020Seed$125K
Founders & team
Investors
Index Ventures, Y Combinator, Firstminute Capital, Plug and Play Tech Center, GitHub, Datadog
Tech stack
Alpine.JsAmazon CloudfrontAmazon Web ServicesApple Icloud MailCloudflareCloudflare Bot Management
#5
Seed · Berlin, Berlin · founded 2024$8Mraised▾
Seed · Berlin, Berlin · founded 2024
Developer of software for managing debt facilities and portfolios. The software provides tools for drawdown automation, SPV management, and covenant monitoring. It also offers backup servicing capabilities and portfolio analytics. The platform aims to streamline credit management for non-bank lenders and capital providers.
Fliar Intelligence Index™ 40how this company ranks against its industry peers
Funding
top 40%Global
top 45%Talent
bottom 49%Funding: Raised $8.0M across 2 rounds · 2 rounds over 1 yrs (2.0/yr) · Last round Seed (Jul 2025)
Global: Investors from 3 countries beyond Germany
Talent: 1 named leader on record · 1 C-suite/founder profile curated
Funding rounds
- Jul 2025Seed$2.2M
- Seed$5.8M
Founders & team
Investors
Redstone, MS&AD Ventures, Inovia Capital, Visionaries Club, Cocoa, Saarbruecker 21
#6
Seed · Hamburg, Hamburg · founded 2023$1.7Mraised▾
Seed · Hamburg, Hamburg · founded 2023
Provider of regulated stablecoin infrastructure for businesses needing digital payment solutions. The infrastructure allows companies to offer banking features to their users. It provides API-driven, scalable, and compliant wallets for holding balances and making transactions. The infrastructure supports cross-border payments, refinancing, and AI agent commerce. It enables real-time refinancing with regulated e-money tokens, improving liquidity and simplifying operations. The technology is designed to adapt to various regulatory frameworks.
Fliar Intelligence Index™ 55how this company ranks against its industry peers
Talent
top 25%Funding
bottom 45%Global
bottom 25%Talent: 6 named leaders on record
Funding: Raised $1.7M across 1 rounds · 1 rounds over 1 yrs (1.0/yr) · Last round Seed (Nov 2025)
Global: Single-market focus (Germany)
Audience (LinkedIn): 521 LinkedIn followers
Funding rounds
- Nov 2025Seed$1.7M
Founders & team
#7
Seed · Berlin, Berlin · founded 2017 · 3 employees$1.3Mraised▾
Seed · Berlin, Berlin · founded 2017 · 3 employees
Provider of open banking API solutions to banks and financial institutions. It builds white-label products in order to serve the customers on the level of personalization. It enables banks to build products such as neo-banks, mobile banking channels, personal finance tools, and more. It also provides an AI-enabled algorithm of behavioural analytics, a financial services connector for connecting with third parties, and more.
Fliar Intelligence Index™ 29how this company ranks against its industry peers
Talent
top 38%Innovation
top 39%Product
top 43%Funding
top 47%News
top 48%Moat
top 48%Talent: 2 named leaders on record · 2 C-suite/founder profiles curated
Innovation: 5 product lines
Product: 5 distinct product lines · Company stage: Seed
Audience (LinkedIn): 5k LinkedIn followers
Activity (LinkedIn): 2 partnerships · 1 awards (incl. Corpay Inc.) announced in 12 mo
Funding rounds
- Oct 2025Seed$2.7M
- Oct 2023Seed—
- May 2023Seed—
- Jan 2021Seed$1.2M
Founders & team
Investors
astorya.vc, Angels Den Funding, Brand & Co, Techstars, Tyr Ventures, Alumni Ventures
Tech stack
PrismicNode.JsVue.JsNuxt.JsGoogle Tag ManagerUnpkg
#8
Series B · Hamburg, Hamburg · founded 2017 · 47 employees$30.5Mraised▾
Series B · Hamburg, Hamburg · founded 2017 · 47 employees
Tomorrow is a digital bank. Allows users to open an online checking account. Users receive a Visa debit card linked to the account. Deposits up to € 100,000 are protected by the national deposit insurance through the solarisBank.
Fliar Intelligence Index™ 45how this company ranks against its industry peers
Talent
top 28%Tech
top 29%Growth
top 35%Customers
top 42%Funding
top 45%Product
top 49%Talent: 3 named leaders on record · 3 C-suite/founder profiles curated
Tech: 45 technologies across 5/8 capability areas · Cloud: Amazon Cloudfront, Amazon Web Services · Devops: Envoy
Growth: Headcount 23 → 47 (+104%) across vintages · App-install growth +16% YoY · Fresh capital in last 24 mo
Audience (LinkedIn): 37k LinkedIn followers — 5.7% of this cohort's audience
Funding rounds
- Oct 2024Series B$5.4M
- Sep 2021Series B$16.5M
- Nov 2019Series A$8.5M
Founders & team
Investors
ETF Partners, ABACON CAPITAL, kopa ventures, IFB Innovationsstarter, Porsche Ventures, AENU
Tech stack
Amazon CloudfrontAmazon Web ServicesAmerican ExpressApple Icloud MailApple PayCart Functionality
#9
Acquired · Dusseldorf, North Rhine Westphalia · founded 2016 · 98 employees$165Mraised▾
Acquired · Dusseldorf, North Rhine Westphalia · founded 2016 · 98 employees
Provider of AI-powered customer service automation platform and agent assistance. The platform offers intelligent IVR, self-service options, and tools to aid human agents. It integrates with existing systems and learns from interactions. The platform equips agents with tools and knowledge to manage customer queries. It provides real-time coaching, automated wrap-ups, and access to support knowledge.
Fliar Intelligence Index™ 78how this company ranks against its industry peers
Growth
top 23%Tech
top 24%AI
top 25%News
top 31%Moat
top 31%Funding
top 34%Growth: Headcount 59 → 98 (+66%) across vintages · Revenue +79% YoY
Tech: 50 technologies across 6/8 capability areas · Cloud: Amazon Web Services, Cloudflare · Devops: Envoy, Nginx
AI: Classified as an AI company · Holds AI/ML patents (G06N-family CPC) · Product described with: ai-powered
Audience (LinkedIn): 54k LinkedIn followers — 8.4% of this cohort's audience
Funding rounds
- Jun 2024Series C$100M
- Feb 2022Series B$15M
- Jun 2021Series B$44M
- Jan 2021Series A—
Founders & team
Investors
Insight Partners, DN Capital, Global Brain, Nordic Makers, Global Inventures, DTCP
Tech stack
Amazon Web ServicesCloudflareCloudflare Bot ManagementCloudflare Browser InsightsCore-JsEmotion
#10
N26 🦄Series E · Berlin, Berlin · founded 2013 · 1426 employees$1.7Braised▾
N26 🦄
Series E · Berlin, Berlin · founded 2013 · 1426 employees
Provider of mobile banking services, including savings, investment, and crypto. It offers various account options with different features and associated costs. These services include tools for managing finances, such as joint accounts, digital wallets, and options for adding funds. The company facilitates stock and ETF trading, along with the buying and selling of crypto assets.
Fliar Intelligence Index™ 82how this company ranks against its industry peers
Market
top 19%Talent
top 20%Fin. health
top 25%Moat
top 26%News
top 27%Funding
top 29%Market: 1,426 employees (top 5% of FinTech) · Revenue ~$216M · Top-100,000 web property
Talent: 4 named leaders on record · 4 C-suite/founder profiles curated · 30 leadership moves in 12 mo
Fin. health: Revenue ~$216M
Audience (LinkedIn): 327k LinkedIn followers — 50.7% of this cohort's audience
Activity (LinkedIn): 2 product launches announced in 12 mo
Funding rounds
- Oct 2021Series E$900M
- Mar 2021Series D$36.2M
- May 2020Series D$100.5M
- Jul 2019Series D$170M
Founders & team
Investors
Insight Partners, GIC, Tencent, Valar Ventures, Allianz X, Axel Springer Plug and Play Accelerator
Tech stack
Amazon CloudfrontAmazon S3Amazon SesAmazon Web ServicesApple Icloud MailAws Certificate Manager
#11
Series A · Berlin, Berlin · founded 2021$3.7Mraised▾
Series A · Berlin, Berlin · founded 2021
Conversational AI platform for the insurance industry. Its AI technology provides a safety net by allowing human intervention when the AI encounters situations it cannot handle. Its AI models use generalized learning from diversified data to generate responses.
Funding rounds
- Feb 2025Series A$3.7M
Founders & team
Investors
ff Venture Capital, Techstars
#12
Series B · Hamburg, Hamburg · founded 2017 · 85 employees$2.7Mraised▾
Series B · Hamburg, Hamburg · founded 2017 · 85 employees
Nect provides solutions for identity verification. The product offered by the company includes card i dent and self i dent. The features offered by the product are ID scans, validation, user journey and digital remote identification. It also encrypts data traffic using SSL standard and provide protection from hackers.
Fliar Intelligence Index™ 72how this company ranks against its industry peers
Growth
top 28%Innovation
top 30%Product
top 32%Customers
top 32%Tech
top 34%Patents
top 34%Growth: Headcount 40 → 85 (+112%) across vintages · Web rank 500,000 → 5,000,000 YoY · App-install growth +33% YoY
Innovation: 13 patents (top 48% of patent-holders) · 9 filings since 2022 vs 4 in 2017-21 · 5 product lines
Product: 5 distinct product lines · 2 published apps (6.9M installs) · Company stage: Series B
Audience (LinkedIn): 4k LinkedIn followers
Funding rounds
- Mar 2025Series B$2.7M
- May 2020Series A—
Founders & team
Investors
Dieter von Holtzbrinck Ventures, Alstin Capital, Round2 Capital Partners, Plug and Play Tech Center, InsurTech Hub Munich, crossventures
Tech stack
Borlabs CookieCloudflareCloudflare Bot ManagementCore-JsElementorGoogle Analytics
Funding & investor landscape
$4.2Btotal disclosed funding
50companies funded
135disclosed rounds
0rounds last 90 days
Most active investors
IFB Innovationsstarter6 rounds
Notable founders
Camillo Werdich
Co-Founder & CEO · Sinpex
Philipp Eska
Managing Director & CFO · Sinpex
Barbaros Ozbugutu
Co-Founder & CEO · Donnerstag.ai
Volkan Ozkan
Co-Founder & COO · Donnerstag.ai
Maximilian Eber
Co-Founder & CPTO · Taktile
Maik Taro Wehmeyer
Co-Founder & CEO · Taktile
Nicolas Kipp
Founder & CEO · Credibur
Benjamin James
Co-Founder & Head of Technology · Atrya
Julia Beermann
Co-Founder & COO · Atrya
Martin Damaske
Co-Founder & CFO · AAZZUR
Philipp Buschmann
Co-Founder & CEO · AAZZUR
Michael Schweikart
Co-Founder & Co-CEO Tomorrow · Tomorrow
RESEARCH SIGNALS · Germany
How research on Fintech is moving in Germany
A read on the academic research around Fintech — which themes are gaining ground, the institutions and researchers driving them, and how the tone is shifting. Based on 74 Germany-affiliated papers.
top research entities
- Max Planck Institute for Innovation and Competition5
- Max Planck Society5
- International School of Management5
- Goethe University Frankfurt4
- European Central Bank4
leading researchers
Hanene Ezzine · Omayma Dammak · Aida Smaoui · Lars Hornuf · Milan Frederik Klus · Todor Stefan Lohwasser · Armin Schwienbacher · Johannes Treu
▲
Breakthroughs3 · 4%
▲ 0%→8% share
0 median citations100% since 2021mostly methods-led
Transformative learning research is newly emerging in German Fintech — field share rose from 0% to 8% across 74 papers.
rising sub-themes (early→recent)
- Transformative learning2
- Snowball sampling1
- Financial literacy1
- Quality (philosophy)1
- Entrepreneurship1
◆
Advancements23 · 31%
▲ 0%→42% share
0 median citations78% since 2021mostly empirical
Mobile banking entered German Fintech research brand-new with 5 papers as Financial services tripled from 1 to 9.
rising sub-themes (early→recent)
- Financial services1→9
- Financial innovation2→6
Newly emergingMobile banking 0→5
Landmark Follow the Trail: Machine Learning for Fraud Detection in Fintech Applications · 90 cites
▼
Concerns27 · 36%
▲ 0%→42% share
0 median citations67% since 2021mostly empirical
Financial inclusion concerns intensified sharply — rising from 1 to 7 papers as Financial services risk coverage jumped 2 to 13.
rising sub-themes (early→recent)
- Financial services2→13
- Financial inclusion1→7
Landmark The FinTech Revolution and Financial Regulation: The Case of Online Supply-Chain Financing · 98 cites
Common questions
How many Banking Tech companies are there in Germany?
Radar tracks 198 indexable Banking Tech companies headquartered in Germany that meet our profile-completeness bar.
What is the total funding raised by Banking Tech companies in Germany?
The Banking Tech companies in Germany on this list have raised a combined $4.2B in disclosed equity funding across 50 funded companies.
Which is the highest-funded Banking Tech company in Germany?
N26 is the highest-funded Banking Tech company in Germany, with $1.7B in disclosed equity funding.
How many Banking Tech companies in Germany are funded?
50 of the 198 Banking Tech companies in Germany on this list have disclosed at least one equity funding round.
How many Banking Tech unicorns are there in Germany?
3 Banking Tech companies in Germany on this list are valued at $1B or more.
Who are the top investors in Germany Banking Tech companies?
The most active investors in Germany Banking Tech companies on this list include Plug and Play Tech Center, Europa, German Accelerator, IFB Innovationsstarter, Ilavska Vuillermoz Capital.
Riya SenguptaFinancials
Riya reads income statements for fun. She covers the real money in a sector — revenue, growth, who actually earns — and never met a vague claim she didn't want a number for.