Best Banking Tech Companies in Netherlands
The 86 best Banking Tech companies in Netherlands in 2026, ranked by funding and momentum. Funding, investors, founders, valuation, tech stack and live signals. Top: Mambu.
Banking Tech in the Netherlands has a real story to tell right now: 86 companies tracked, $1.3B in disclosed funding, and three unicorns anchoring a scene that's moving faster than most European hubs give it credit for. Mambu leads the funding table at $446M, with Bunq close behind at $373M, and both are exactly the kind of cloud-native, platform-first bets that define where this sector is heading. The global Banking Tech market sits at roughly $9.5B in 2025 and is forecast to hit $17.0B by 2035, a 13.7% CAGR that makes the Netherlands cluster look well-positioned rather than incidental. And if you want a pulse check on consumer adoption, median app install growth is running at about +23% YoY across nearly a thousand banking and investment apps, which tells you demand isn't theoretical.
So what's actually driving the heat? Data monetization, next-gen platform banking, and open banking infrastructure are the themes I keep seeing in every credible funding rationale this quarter. Meanwhile, blockchain and asset tokenization are pushing into core banking workflows, not just the experimental margins. Stringent EU data privacy rules add friction, but they've also pushed Dutch founders toward architectures that hold up under scrutiny, which is a durable advantage. The directory below ranks companies by disclosed equity funding and recent momentum, giving you the clearest starting point we can offer.
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.
Ranked: Best Banking Tech companies in Netherlands
| # | Company | Disclosed funding | Last round | Employees | Founder | Tech stack | Web popularity | Recent signals |
|---|---|---|---|---|---|---|---|---|
| 1 | advicegames AdviceGames provides virtual financial assisting and gamification for consumers and small businesses. | — | — | 11 | — | — | — | — |
| 2 | Anadolubank Nederland N.V. Provider of financial solutions for individuals and businesses | — | — | — | Nedim Sabah CEO | BootstrapGSAPSweetAlert2+6 | Top 5M | — |
| 3 | APRO Software Solutions Cloud-based banking management software | — | — | — | Hilbert Mheen Managing Director | WordPressMySQLPHP+24 | Top 10M | — |
| 4 | Assensia Credit management solution | — | — | — | Lohic Beneyzet Jouy Founder | — | — | — |
| 5 | ATIP CFS Regulatory reporting solutions for pension funds and insurance companies | — | — | — | Jan-Willem van der Schors Co-Founder | — | — | — |
| 6 | ATOM IQ SOLUTIONS Diverse banking software solutions | — | — | — | Harun CEO | — | — | — |
| 7 | BankingLab Cloud-based core banking solution | — | — | — | Darius Latvys Co-Founder | WordPressMySQLPHP+26 | Top 5M | — |
| 8 | BioTrust ID Provider of multi-modal biometrics authentication solutions for enterprises | — | — | — | Pieter Roemer Co-Founder & CFO | — | — | — |
Top 12 Banking Tech companies in Netherlands
#1
Series C · Amsterdam, North Holland · founded 2019 · 188 employees$107.9Mraised▾
Provider of online business accounts, invoicing, and accounting integrations. It offers IBAN accounts accessible online, catering to small and medium-sized enterprises (SMEs), freelancers, and companies undergoing registration. The platform includes e-invoicing capabilities and integrates with accounting software. Additional features encompass prepaid business debit cards, cashback programs, and tools for expense management and financial analysis. The service aims to streamline financial processes and provide efficient payment solutions.
- Jun 2025Series C$132.4M
- May 2025Series C$105M
- Feb 2024Series B$53.9M
- Sep 2020Series A$12M
#2
Seed · Amsterdam, North Holland · founded 2018 · 40 employees$12.6Mraised▾
Provider of mobile threat intelligence and fraud risk management solutions. It offers tools to understand criminal tactics and prevent losses. The company's solutions aim to safeguard web and mobile channels. It focuses on detecting fraud, scams, account takeover, and device takeover. The company utilizes AI-powered technology to identify threats.
- Oct 2025Seed—
- Dec 2024Seed—
- May 2023Seed$12.6M
#3
Seed · Rijswijk, South Holland · founded 2020$6.9Mraised▾
Provider of KYC/KYB compliance and onboarding solutions. It offers a platform integrating compliance, online identification, and credit management services. The platform allows users to select needed services, providing access to data from high-quality global sources. Automated monitoring ensures up-to-date information, streamlining client onboarding and risk assessment processes for various sectors including accountancy, law, and finance. The platform also includes features for digital signing and Wwft e-learning. Integrations with other software platforms are available.
- Oct 2025Angel$6.9M
#4
Bunq 🦄Series A · Amsterdam, North Holland · founded 2012 · 450 employees$373.1Mraised▾
Provider of the digital bank for individuals and businesses. Its services include current and savings accounts, NFC-enabled prepaid cards for online and offline purchases, bill payments, and money transfers. Its features include credit cards for travelling, subscription and budget management, sustainable bank accounts, and online support.
- Apr 2024Series A$31.3M
- Jul 2023Series A$111.2M
- Jun 2021Series A$230.5M
#5
Seed · Amsterdam, North Holland · founded 2020 · 12 employees$7.8Mraised▾
API-enabled omnichannel banking solution for banks and financial institutions. It allows banks and financial institutions to offer their banking services to their customers through mobile and web-based channels. It offers ready-to-use banking solutions with integrated analytics solutions and data management for users to understand their customer behavior and preferences.
- Oct 2024Seed$3.3M
- Apr 2023Seed$4.5M
#6
Mambu 🦄Series E · Amsterdam, North Holland · founded 2011 · 68 employees$445.8Mraised▾
Provider of cloud banking platform delivering composable banking and financial experiences. The platform offers core banking functionality, including lending, deposits, and payments. It allows institutions to build and scale financial products. The platform provides tools for integration with other services. It supports the creation of customer-centric offerings.
- Dec 2021Series E$265.7M
- Jan 2021Series D$135.4M
- Feb 2019Series C$33.9M
- Jan 2016Series B$8.7M
#7
Backbase 🦄Series D · Amsterdam, North Holland · founded 2003 · 2000 employees$128.5Mraised▾
Developer of an AI-native Banking OS that streamlines digital banking channels and operational workflows. This platform integrates with existing core systems to manage customer interactions, employee tasks, and automated processes. It provides a unified interface for handling onboarding, servicing, and lending activities across various banking segments. The software architecture facilitates data synchronization and event streaming between disparate systems to maintain consistent information. It includes tools for configuring workflows, defining policies, and governing automated actions. The system supports retail, commercial, and wealth management functions by centralizing execution and decision-making processes.
- Jun 2022Series D$128.5M
#8
Series B · Utrecht, Utrecht · founded 2006 · 208 employees$88.7Mraised▾
Provider of trust automation platform for property and casualty insurance carriers. The platform helps automate risk assessment processes behind every customer interaction. It analyzes policy requests, renewals, and claims for trustworthiness, flagging high risks. The platform offers solutions for underwriting, claims, and investigations.
- Nov 2021Series B$6M
- Jul 2021Series B$65M
- Dec 2017Series A$17.7M
#9
Public · Amsterdam, North Holland · founded 2008 · 306 employees$48.2Mraised▾
Developer of cloud-based core banking platform for retail mutual funds and savings accounts. It provides users with a platform that offers APIs for developing applications and has partnered with various financial institutions.
- Sep 2021Conventional Debt$35.4M
- Apr 2019Series C—
- Feb 2018Series C$31.1M
- Jul 2017Series B$17M
#10
Acquired · Amsterdam, North Holland · founded 2010 · 150 employees$37.4Mraised▾
Five Degrees provides cloud-enabled core banking solutions for banks & financial institutions. It features Matrix mid for orchestrating core banking platform, Matrix accounts for configurable core banking, Matrix lending & leasing for lending, leasing, & third-party debt management, and more. It provides solutions for mortgage lending, leasing, transactional accounts, and more.
- Dec 2020Series B$26.8M
- Nov 2016Series A$10.6M
#11
Series B · Utrecht, Utrecht · founded 2016 · 85 employees$14.4Mraised▾
Provider of payee confirmation services intended to assure that payments are going to the right recipient. The company assists financial institutions and organizations in the process of confirming the payee's name match the name on the intended recipient's bank account, enabling clients to avoid misdirected payments and reduce push payment fraud.
#12
Acquired · Amsterdam, North Holland · founded 2012 · 30 employees$20.1Mraised▾
Cobase provides open banking aggregational APIs to banks & financial institutions. It offers a multibank platform that provides access to all bank accounts and other financial products & services from other banks and financial service providers. It features a central payment hub, cash management, and treasury modules.
- Jun 2020Series A$11.3M
- Sep 2018Series A$8.8M
- Mar 2013Seed—
Funding & investor landscape
Notable founders
Market landscape — 10 sub-themes by coverage
Share of Banking Tech coverage by sub-theme.
Regulatory-risk over time rising
Funding & growth over time
funding rising · growth rising
How research on Fintech is moving in the Netherlands
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 28 Netherlands-affiliated papers.
- Tilburg University8
- Erasmus University Rotterdam4
- Utrecht University3
- KeyGene3
- Amsterdam University of Applied Sciences2
- Cryptocurrency3
- Digital currency3
- Financial inclusion3
- Transparency (behavior)3
- Disintermediation3
- Big data2
- Financial services2
- Money laundering2
- Information technology2
- Banking industry2
- Financial services2→4
Where fintech is researched across Netherlands
Location clusters by institution affiliation — each city's volume, stance tone, and a quick read on its hot topic, what's advancing, the opening opportunity, and the main concern.
Common questions
Rohit lives in the feed. He covers what's moving right now — the funding rounds, launches and shifts breaking across the trade press — and ties them back to where the sector is heading.