Best FinTech Companies in Denmark
The 409 best FinTech companies in Denmark in 2026, ranked by funding and momentum. Funding, investors, founders, valuation, tech stack and live signals. Top: CardLab.
Denmark's FinTech sector has pulled in $8.1B in disclosed funding across 409 tracked companies, and if you want to know where that capital is concentrating, the answer is pretty clear. Lunar alone accounts for $671M of it. That's not a rounding error — that's one digital banking platform absorbing the lion's share of the country's FinTech investment, leaving Flatpay at $64M and a long tail of earlier-stage firms like Pie VAT and Scaleup Finance trading in the teens. The global market these companies are chasing sits at roughly $113.4B in 2025, forecast to reach $461.6B by 2034 at a 17.21% CAGR, driven by demand for next-gen banking platforms and the compliance pressure baked into PSD2's SCA requirements.
So what does Denmark's funding map actually tell you? Three unicorns out of 409 companies is a concentration story, not a distribution one. I'd watch the activity from Seed Capital and PreSeed Ventures closely, because early-stage momentum here tends to cluster around cloud-based banking infrastructure and platform banking models. Stringent regulatory frameworks cut both ways — they slow entry but reward the firms that clear the bar, which partly explains why PB Fintech's profit jumped 165% when its core vertical matured past the compliance drag. The directory below ranks Denmark's FinTech companies by disclosed equity funding and recent funding momentum.
- 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 Denmark
| # | Company | Disclosed funding | Last round | Employees | Founded | Founder | Tech stack | Recent signals |
|---|---|---|---|---|---|---|---|---|
| 1 | CardLab Platform offering biometric identification solutions | $5.1B | 60 mo ago | 1 | 2006 | — | Google MapsBootstrapNginx+10 | — |
| 2 | Lunar 🦄 Digital banking platform offering personal and business accounts, cards, savings, investing, and budgeting… | $671M | 4 mo ago | 709 709 → 614 (-13%) · sector median +14% | 2015 | Peter Andreasen Co-Founder | SanitySentryAtlassian Statuspage+19 | 1 partnership |
| 3 | Saxo Bank 🦄 Provider of online trading platforms for stocks bonds and derivatives | $548M | 80 mo ago | 734 | 1992 | Kim Fournais Founder & CEO | SitecoreMicrosoft ASP.NETAdobe Client Data Layer+20 | — |
| 4 | Pleo 🦄 Provider of spend management platform with virtual and physical card options | $434M | 25 mo ago | 1,422 1,422 → 939 (-34%) · sector median +14% | 2015 | Thorbjorn Fink COO | PrismicApple iCloud MailGoogle Workspace+31 | 1 launch |
| 5 | Moneyflow Invoice payment solutions | $251M | 45 mo ago | 27 | 2018 | — | — | — |
| 6 | ViaBill Online platform for point of sale financing | $132M | 52 mo ago | 11 | 2009 | — | WordPressSentryApple iCloud Mail+29 | 1 partnership |
| 7 | Acubiz Cloud-based expense management solutions for businesses | $118M | 103 mo ago | 30 30 → 65 (+117%) · sector median +14% | 2005 | — | WordPressMySQLPHP+34 | — |
| 8 | Dinero Cloud-based software for accounting solutions for SMBs | $98M | 113 mo ago | 54 | 2010 | Martin Thorborg CoFounder & CEO | WordPress Block EditorWordPressMySQL+29 | 1 job opening |
| 9 | Clearhaus Merchant acquiring solution for the payment industry | $96M | 132 mo ago | 58 58 → 59 (+2%) · sector median +14% | 2011 | Claus Methmann Christensen Advisor & Co-Founder | HugoYouTubeGSAP+21 | 2 partnerships |
| 10 | Flatpay POS payment acceptance solution for businesses | $64M | 7 mo ago | 11 | 2022 | Sander Janca-Jensen Co-Founder & CEO | WebflowBootstrapAmazon Web Services+27 | — |
| 11 | kompasbank Developer of a digital bank for businesses | $54M | 38 mo ago | 63 63 → 95 (+51%) · sector median +14% | 2018 | Michael Andersen Founder & Co-CEO | ContentfulApple iCloud MailGoogle Workspace+26 | — |
| 12 | Samlino.dk Financial products comparison platform | $46M | 113 mo ago | 4 | 2014 | Kristian Pitzner Jorgensen Co-Founder & MD | JavaBootstrapOpenSSL+18 | — |
| 13 | Cardlay White label solutions for corporate cards | $42M | 52 mo ago | 47 47 → 45 (-4%) · sector median +14% | 2016 | Jorgen Juul Founder & CEO | Framer SitesReactAmazon Web Services+15 | — |
| 14 | Shield AI-powered digital communications governance and archiving | $35M | 42 mo ago | 4 | 2017 | Ofir Shabtai Co-Founder | WordPressSentryZendesk+41 | 1 internship · 1 launch · 1 award |
| 15 | Insurance Business Applications SaaS-based software suite for insurance industry | $26M | 59 mo ago | 23 23 → 52 (+126%) · sector median +14% | 2010 | Anders Engdal Co-Founder & Board Member | WordPress Block EditorWordPressApple iCloud Mail+34 | — |
| 16 | Female Invest Personal finance and investment training digital platform for women | $25M | 23 mo ago | 13 | 2019 | Anna-Sophie Hartvigsen Co-Founder | Webflow EcommerceCart FunctionalityWebflow+34 | 1 expansion |
| 17 | Spiir Automated expense tracking and budgeting platform for individuals | $24M | 61 mo ago | 63 | 2011 | Gudmundur Hreidarsson Co-Founder | SalesforceWindows ServerHighcharts+11 | — |
| 18 | Budgetbutler Online platform for expense management | $24M | 47 mo ago | 1 | 2000 | — | — | — |
| 19 | Coinify Crypto-based payment solution for consumers and businesses | $18M | 58 mo ago | 42 42 → 26 (-38%) · sector median +14% | 2014 | Mark Hojgaard Co-Founder & CEO | Cart FunctionalitySquarespace CommerceSquarespace+30 | — |
| 20 | Bancore Payment gateway solution for businesses | $17M | 135 mo ago | 10 | 2005 | Brian Larsen Founder & CEO | — | — |
| 21 | Valuer Crowd sourced platform on start-ups | $17M | 64 mo ago | 29 29 → 42 (+45%) · sector median +14% | 2017 | — | HubSpot CMS HubEnvoycore-js+16 | — |
| 22 | Scaleup Finance Financial management and virtual CFO platform for businesses | $16M | 7 mo ago | 19 | 2021 | Thorbjorn Ronje Co-Founder | WebflowVimeoYouTube+26 | — |
| 23 | Pie VAT VAT refund management system | $16M | 6 mo ago | 2 | 2018 | — | Framer SitesReactHubSpot+13 | 1 partnership |
| 24 | Aiia Open banking solutions | $14M | 73 mo ago | 63 | 2010 | Gudmundur Hreidarsson Co-Founder | Apple iCloud MailTypeScriptAzure Front Door+8 | — |
| 25 | Norm Invest Digital investment solution for individuals and businesses looking to invest pension in funds | $13M | 62 mo ago | — | 2015 | Anders Hartmann Founder & CEO | WebflowBootstrapReact+25 | — |
| 26 | Light Provider of general ledger, accounts receivable, and payables solutions | $13M | 8 mo ago | — | 2022 | Filip Kozjak Co-Founder & CTO | Framer SitesReactAmazon Web Services+17 | 1 partnership |
| 27 | Monthio Provider of real-time creditworthiness assessment solutions for lenders | $13M | 19 mo ago | 24 | 2018 | Rune Heinrichson Co-Founder | WebflowAzurecore-js+18 | — |
| 28 | Sepior Cloud based encryption key management using MPC solution | $11M | 48 mo ago | 12 | 2013 | — | — | — |
| 29 | Januar Financial infrastructure provider for crypto businesses | $11M | 27 mo ago | 28 28 → 32 (+14%) · sector median +14% | 2017 | Mikael Smedegaard Co-Founder & COO | WebflowApple iCloud MailGoogle Workspace+24 | 2 partnerships |
| 30 | Growblocks Revenue management platform for businesses | $9M | 40 mo ago | 22 | 2021 | Toni Hohlbein CEO & Co-Founder | — | — |
| 31 | MXNEY Online fundraising platform for startups | $8M | 36 mo ago | 38 | 2020 | Mads Olesen Co-Founder | — | — |
| 32 | Mazepay Accounts payable and receivable solutions for businesses | $6M | 42 mo ago | 12 12 → 24 (+100%) · sector median +14% | 2018 | Thomas Dragsbaek Co-Founder & CTO | — | — |
| 33 | Performativ Cloud-based platform for wealth management, API aggregation, and while label solutions for institutions | $6M | 1 mo ago | 19 | 2020 | — | Webflow EcommerceWebflowApple iCloud Mail+21 | — |
| 34 | Vibrant Mobile application for merchants to accept payment | $6M | 47 mo ago | 30 | 2020 | Kare Sorensen Co-Founder & CPO | Framer SitesInstatusReact+16 | 1 launch |
| 35 | Leneo Provider of loan life cycle management solutions for equipment lenders | $6M | 48 mo ago | 4 | 2016 | Kristian Juhler Co-Founder & CPO | — | — |
| 36 | Responsibly Artificial intelligence-based supplier data platform for the supply chain industry | $5M | 32 mo ago | 13 13 → 19 (+46%) · sector median +14% | 2021 | Thomas Andersson Co-Founder & CEO | — | 1 award |
| 37 | ZTLment Smart contract-enabled payment solutions for cross-border trades | $5M | 24 mo ago | 3 | 2020 | Mads Larsen Co-Founder | — | — |
| 38 | ANYDAY Payments splitting solution for consumers | $4M | 26 mo ago | 9 | 2020 | — | WebflowSwiperPreact+16 | — |
| 39 | Embankment Fund service provider | $4M | 19 mo ago | — | 2022 | David Svante Hansen CEO | — | 1 job opening · 1 internship |
| 40 | Predicti Provider of API-enabled platform for data enrichment and customer life events | $4M | 8 mo ago | — | 2022 | Jakob Glud Co-Founder & CEO | — | — |
| 41 | Konsolidator Cloud-based financial consolidation and reporting software for businesses | $4M | 16 mo ago | 32 32 → 35 (+9%) · sector median +14% | 2016 | Lars Paaske Co-Founder | WordPressMySQLPHP+35 | 1 launch · 1 partnership |
| 42 | Uniify Provider of financial data collection platform | $3M | 41 mo ago | 5 | 2019 | — | AlgoliaAcePHP+23 | — |
| 43 | Northstake Developer of crypto-focused staking solutions | $3M | 35 mo ago | 5 | 2021 | — | — | 2 launchs |
| 44 | Pluto Provider of a social trading platform for individual investors | $3M | 4 mo ago | 4 | 2021 | Joakim Bruchmann Co-Founder & CEO | Framer SitesReactAmazon Web Services+14 | — |
| 45 | Leaf Insurance Diversified property and casualty insurance platform for businesses | $2M | 11 mo ago | — | 2023 | Albert Nygard Co-Founder | — | — |
| 46 | ARYZE Payment infrastructure for money transfer solutions | $2M | 1 mo ago | 5 | 2017 | Jodi Usama Husain Founder & Chief Technology Officer | Node.jsRadix UITailwind CSS+17 | — |
| 47 | Frankly Insure Platform offering insurance policies for household, wellness, electronics, transport, and fashion | $912K | 13 mo ago | 11 | 2021 | Ivar Sperling Co-Founder & CIO | WebflowGSAPMicrosoft Advertising+11 | 1 launch · 1 partnership |
| 48 | Signal Analytics Provider of data-driven investment intelligence platform | $600K | 14 mo ago | — | 2024 | Jacob Houlberg Co-Founder | — | — |
| 49 | ReBloom AI platform enhancing the secondary market for private investments | $413K | 16 mo ago | — | 2024 | Daniel Bobruk Co-Founder & CTO | — | — |
| 50 | DigiShares Securities tokenization platform | $130K | 13 mo ago | 9 | 2018 | — | WordPressMySQLPHP+34 | — |
Top 12 FinTech companies in Denmark
#1
Lunar 🦄Series D · Aarhus, Capital Region of Denmark · founded 2015 · 709 employees$671.2Mraised▾
Digital banking platform offering personal and business accounts, cards, savings, investing, and budgeting tools. It offers multiple account tiers, including free and premium plans, with features such as digital and physical debit cards, budgeting tools, automatic savings, and real-time spending insights. Users can also benefit from international payment capabilities, travel-friendly card usage, and competitive exchange rates depending on their plan. It integrates investing in stocks, ETFs, and crypto through dedicated modules, enabling users to build and manage portfolios within the same ecosystem.
- Jan 2026Series D$54.6M
- May 2024Series D$25.8M
- Sep 2022Series D$69.5M
- Mar 2022Series D$77M
#2
Series C · Herlev, Capital Region of Denmark · founded 2022 · 11 employees$64.1Mraised▾
POS payment acceptance solution for businesses. Simplified card payments for small and medium-sized merchants enabling businesses to accept card payments with a POS payment terminal and POS system, card swipes, and contactless payments.
- Nov 2025Series C$168.5M
- Nov 2025Angel—
- Apr 2024Series B$47.8M
- Jun 2023Series A$16.3M
#3
Series A · Copenhagen, Capital Region of Denmark · founded 2020 · 19 employees$5.9Mraised▾
Cloud-based platform for wealth management, API aggregation, and while label solutions for institutions
- Apr 2026Series A$14M
- Nov 2023Seed$5.9M
- 2022Seed—
#4
Series A · Copenhagen, Capital Region of Denmark · founded 2018 · 2 employees$15.5Mraised▾
PIE VAT provides an online VAT refund management system. It enables users to claim a refund through QR code scanning. It offers an app-based platform for Android and IOS platforms.
- Nov 2025Series A$15.5M
#5
Seed · Copenhagen, Capital Region of Denmark · founded 2017 · 5 employees$1.6Mraised▾
Payment infrastructure for money transfer solutions. Uses blockchain technology to provide digital cash backed by government risk which facilitates money transfer through smart contracts. It offers multi-asset modular application for consumers which allows storage and transfer of digital cash, e-commerce, and virtual or physical debit card integrations. It offers business solution account management for SMEs and large corporations, analytical tools, and financial data.
- May 2026Seed$3.5M
- Jan 2019Seed$1.6M
#6
Seed · Copenhagen, Capital Region of Denmark · founded 2021 · 19 employees$16Mraised▾
Financial management and virtual CFO platform for businesses. It offers solutions for accounting, management reporting, cap table management, business budgeting, cashflow forecasting, financial analysis, and more. It also offers virtual CFO services for businesses.
- Oct 2025Seed$4M
- Mar 2024Seed$8M
- Oct 2022Seed$8M
#7
Seed · Copenhagen, Capital Region of Denmark · founded 2021 · 4 employees$2.7Mraised▾
Provider of a social trading platform for individual investors. It offers a platform enabling users to invest in stocks along with their friends. Users need to form a club and invite their friends to participate and share ideas, view others' portfolios and follow each other’s trades. The platform offers biometric login facilities to ensure a safe trading experience.
- Feb 2026Seed$6M
- Feb 2024Seed$2.6M
- Mar 2022Seed$500K
#8
Series A · Copenhagen, Capital Region of Denmark · founded 2022$13Mraised▾
Provider of general ledger, accounts receivable, and payables solutions. They offer a cloud-based platform to automate and streamline finance operations for multinational companies.
- Sep 2025Series A$30M
- May 2024Seed$13M
#9
Pleo 🦄Series C · Copenhagen, Capital Region of Denmark · founded 2015 · 1422 employees$434Mraised▾
Provider of spend management platform with virtual and physical card options. The platform offers tools for business cards, expense management, accounts payable, and reimbursements. It provides features such as spend limitations and vendor cards for managing recurring payments. The platform also integrates with other business tools to streamline workflows.
- May 2024Conventional Debt$42.7M
- Nov 2021Series C$200M
- Jun 2021Series C$150M
- May 2019Series B$56M
#10
Series A · Aarhus, Central Denmark Region · founded 2022$4.2Mraised▾
Provider of API-enabled platform for data enrichment and customer life events. The platform offers data access from public registries, utilizing analytical tools and machine learning. It identifies customer milestones, enabling proactive engagement. The platform also provides product recommendations through machine learning algorithms.
- Sep 2025Series A$4.2M
#11
Series B · Copenhagen, Capital Region of Denmark · founded 2006 · 1 employees$5.1Braised▾
Platform offering biometric identification solutions. It is a technology company featuring in biometric smart cards and digital access solutions for businesses and governments. It focuses on fingerprint-based biometric authentication stored on the card, enabling password-free and offline user verification that manages security, privacy, and convenience. Its products are designed to integrate with existing infrastructure and offers tokenization features to minimize cyber risks and ensure GDPR and PCI DSS compliance.
- Jun 2021Series B$10M
- May 2017Series A$181.9K
- Feb 2017Grant (prize money)$981.3K
- Jan 2017Grant (prize money)$953.2K
#12
Series A · Copenhagen, Capital Region of Denmark · founded 2019 · 13 employees$25Mraised▾
Personal finance and investment training digital platform for women. The platform provides a boot camp on personal finance and investment training to women on a monthly and yearly subscription model. The platform contains e-learning videos, online magazines, guest articles, live and expert webinars, master classes on various aspects of investment.
- Jul 2024Series A$15.8M
- Nov 2022Seed$3M
- Nov 2021Seed$4.5M
- 2021Seed$125K
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 Denmark
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 4 Denmark-affiliated papers.
- Copenhagen Business School2
- Aarhus University1
- Roskilde University1
- Financial inclusion1
- Financial services1
- Leverage (statistics)1
- China1
- Payment1
- Payment1
- Mobile payment1
- Cash1
- USable1
- Digital ecosystem1
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.