Best FinTech Companies in Croatia
The 60 best FinTech companies in Croatia in 2026, ranked by funding and momentum. Funding, investors, founders, valuation, tech stack and live signals. Top: Fonoa.
Croatia's FinTech sector is smaller than the headlines suggest, but the funding map tells a real story. This directory ranks the best FinTech companies in Croatia by disclosed equity funding and recent momentum, pulling from 60 tracked companies with $110M in total disclosed capital. Fonoa leads that stack by a wide margin, with $85M raised, which is more than three-quarters of the entire pool. Farseer sits second at $9M. So when you're sizing up this market, you're really looking at a tight cluster of early-stage bets anchored by one outlier. The global FinTech market hit roughly $113.4B in 2025 and is forecast to reach $461.6B by 2034 at a 17.21% CAGR, which frames what Croatia's builders are eventually chasing.
What's worth noting is that no unicorn has emerged here yet, and I'd say that's less a sign of weakness than a market still finding its footing. Active backers like Fil Rouge Capital, Speedinvest, and SQ Capital are writing checks into next-gen banking platforms and cloud-based infrastructure, which aligns with the demand drivers pulling the global sector forward, including OEM-Pay adoption and the SCA requirements under PSD2. As 2017 research shows, regulatory frameworks shape FinTech trajectories more than most founders expect. Conflicting government rules remain a structural drag, but coverage is rising and the deal flow is real.
- Statista
Our analysis of 1,006 FinTech companies
$195.5b in tracked funding; 96% of the stack-profiled cohort runs cloud-native; funding activity peaked in 2025.
Ranked: Best FinTech companies in Croatia
| # | Company | Revenue | Disclosed funding | Revenue YoY | Employees | Founder | Tech stack | Recent signals |
|---|---|---|---|---|---|---|---|---|
| 1 | PayCek Payment gateway provider | $80M FY2022 | — | — | — | Nikola Skoric CEO | BootstrapAnimate.cssSelect2+9 | — |
| 2 | Oradian Provider of SaaS-based core banking for microfinance | $6M FY2024 | $138K | +8% | 68 | Onyeka Adibeli Co-Founder | WordPressMySQLPHP+21 | — |
| 3 | Aircash Mobile-based platform providing virtual prepaid cards | $6M FY2019 | — | — | — | Hrvoje Cosic CEO | WordPressPleskMySQL+26 | 1 internship · 1 partnership · 1 expansion |
| 4 | Monri Payment processing solutions for businesses | $5M FY2022 | — | +36% | — | Damir Causevic CEO | WordPressMySQLPHP+23 | 1 launch · 1 partnership |
| 5 | PayDo App-based platform for parking payments | $4M FY2018 | — | — | — | Saad Alkhataf CEO | PythonFacebook LoginGoogle Sign-in+17 | — |
| 6 | Canapay Online cryptocurrency exchange platform | $3M FY2022 | — | — | — | Dean Quanne Co-Founder | — | — |
| 7 | Fonoa Tax management and tax recovery solution for businesses | $1M FY2022 | $85M | — | 125 | Filip Sturman COO | WebflowApple iCloud MailGoogle Workspace+22 | — |
| 8 | Amodo Provider of AI-enabled platform offering insurance telematics | $1M FY2024 | $4M | -35% | 50 | William Powers CEO | — | — |
| 9 | Farseer Developer of financial planning and analysis software for enterprise teams | $1M FY2024 | $9M | +143% | — | Zrinko Dolic Co-Founder | WordPressMySQLPHP+31 | 1 expansion |
| 10 | Amplibit Software development company | $1M FY2024 | — | +26% | — | Vladimir Romanov CEO | — | — |
| 11 | Holobit Accounting and ERP management platform | $685K FY2022 | — | — | — | Anamarija Perica-Radovic CEO | — | — |
| 12 | GOOMA Provider of a corporate travel expense management app | $620K FY2022 | — | — | — | Jelena Sipusic Jurcic Co-Founder & CEO | WordPressMySQLPHP+25 | — |
| 13 | Field39 Provider of cloud-based payment solutions for businesses | $548K FY2024 | — | +8% | — | Borna Novak Co-Founder | — | — |
| 14 | PayOut Provider of independent ATM networks and payment technology services | $478K FY2024 | — | -66% | — | — | — | — |
| 15 | Alphascore Business intelligence solutions | $384K FY2024 | — | +50% | — | Natasa Sarlija Founder | — | — |
| 16 | Prolaz POS Provider of gateway services in the card payment industry | $303K FY2024 | $1M | +64% | — | John Jager Founder & President of the Management Board | — | — |
| 17 | Plate Pay Payment solutions for drive-in and drive-through merchants | $294K FY2021 | — | — | 2 | Lucija Ilicic Founder & CEO | — | — |
| 18 | Ensolva E-procurement solutions provider | $266K FY2022 | — | — | 3 | — | WordPressMySQLPHP+35 | — |
| 19 | Infokom software & consulting Accounting and payroll management platform | $197K FY2022 | — | — | — | Gordan Marusic Owner | PHPBootstrapCakePHP+11 | — |
| 20 | CorvusPay Diversified payment acceptance solution for businesses | $131K FY2022 | — | — | — | Damir Guzvinec CEO | WordPressMySQLPHP+21 | 1 job opening · 1 partnership |
| 21 | AMPnet Integrated software suite for crowdlending and crowd investment | $94K FY2024 | $424K | -94% | 6 | — | — | — |
Top 9 FinTech companies in Croatia
#1
Series A · Zagreb, Zagreb County · founded 2016$8.7Mraised▾
Developer of financial planning and analysis software for enterprise teams. The platform provides tools for budgeting, forecasting, scenario planning, and financial consolidation. It offers features such as modeling, dashboards, and integration capabilities. The software aims to streamline financial processes and improve decision-making for finance, sales, and HR departments. It supports various industries, including FMCG, pharma, retail, manufacturing, and telco.
- Feb 2026Series A$7.2M
- Feb 2023Seed$1.5M
#2
Series B · Zagreb, Zagreb County · founded 2018 · 125 employees$85Mraised▾
Tax management and tax recovery solution for businesses. It allows users to automatically determine and calculate a tax rate and amount to apply to the sales transactions. Its products are designed for digital platforms across food delivery, mobility, e-commerce, marketplaces, SaaS, and digital content.
#3
Seed · Split, Split Dalmatia County · founded 2012$1.1Mraised▾
Provider of gateway services in the card payment industry. Aims to realize the full potential of EFT POS terminals for banks and merchants. Offers an innovative service in the cloud by managing gateway solutions to support or improve existing static legacy solutions that have become expensive to maintain. Gateway has developed a new approach that turns the POS terminal into a generic device connected to gateway host where a collection of cloud-based solutions can be enabled on the generic device quickly and without changing or developing a new terminal application.
- Feb 2024Seed$1.1M
#4
Seed · Zagreb, Zagreb County · founded 2020 · 9 employees$4.5Mraised▾
Online marketplace for buying and selling fashion-focused NFTs. It is a B2C digital fashion brand producing 3D-designed digital goods for use across the photo, AR/VR, gaming & the metaverse. It also develops software and applications for the new digital fashion economy and collaborates with luxury fashion brands.
- Jul 2022Seed$4.5M
#5
Series A · Croatia · founded 2021 · 20 employees$6Mraised▾
Online marketplace for non-fungible tokens. It enables users to buy and sell NFT collectibles and games. It is NFT legos that give NFTs infinite extensibility, hosted on the Kusama blockchain, Polkadot's canary network, without the need for parachains or smart contracts.
- Jun 2021Series A$6M
#6
Seed · Zagreb, Zagreb County · founded 2018 · 6 employees$423.9Kraised▾
Integrated software suite for crowdlending and crowd investment. It enables users to build an investment & tokenization platform for sectors such as renewable energy, commercial real estate, and more. Its features are blockchain-based investments, two-factor authentication, KYC with iD scanning & facial recognition, payments via fiat & cryptocurrencies, and more.
- Oct 2023Grant (prize money)$216.9K
- Mar 2021ICO$400K
- Mar 2020Seed$423.9K
- Seed—
#7
Acquired · Zagreb, Zagreb County · founded 2013 · 50 employees$3.8Mraised▾
Provider of AI-enabled platform offering insurance telematics. It gathers the driver behavior insights that help the insurers to offer products for the companies. It offers solutions for insurance companies, and digital brokers.
- May 2020Series A$3.2M
- Jun 2016Seed$500K
- Jan 2015Seed$36K
#8
Series A · Zagreb, Zagreb County · founded 2012 · 68 employees$138.1Kraised▾
Provider of SaaS-based core banking for microfinance. It provides users with microfinance institutions with core banking software-as-a-service with a focus on financial inclusion. Their core offering Instafin includes key banking functionalities of accounting, security, administration, loan portfolio management, deposit tracking. They are also creating an ecosystem (marketplace) for financial inclusion technology connecting third party vendors with their customers catering to specific requirements. Lastly, they also offer capacity building services assisting their customers in implementation and leveraging.
- Feb 2018Series A—
- Feb 2018Seed$138.1K
- Dec 2016Seed—
- May 2015Seed—
#9
Deadpooled · Zagreb, Zagreb County · founded 2022—raised▾
DeFi hedge fund platfrom. The platform aims to provide access to automated asset management technology, hence building a quantitative research and development lab that serves a decentralized network of investors. It aims to provide security, transparency, efficiency, and reduced counterparty risk.
- Apr 2022Seed—
Funding & investor landscape
Notable founders
Market landscape — 10 sub-themes by coverage
Share of FinTech coverage by sub-theme.
Regulatory-risk over time rising
Funding & growth over time
funding rising · growth rising
How research on Fintech is moving in Croatia
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 12 Croatia-affiliated papers.
- Institute of Art History4
- Croatian National Bank3
- University of Zagreb3
- Polytechnic of Međimurje in Čakovec1
- University North1
- Reinforcement learning1
- Scalability1
- Sharpe ratio1
- Financial market1
- Volatility (finance)1
- Financial inclusion4
- Financial services4
- Poverty4
- Financial sector4
- Inclusion (mineral)2
- Financial services4
- Financial inclusion1
- Government (linguistics)1
- Inclusion (mineral)1
- Population1
Where fintech is researched across Croatia
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
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.