Best FinTech Companies in North Rhine Westphalia, Germany
The 192 best FinTech companies in North Rhine Westphalia, Germany in 2026, ranked by funding and momentum. Funding, investors, founders, valuation, tech stack and live signals. Top: Auxmoney.
Our analysis of 50 FinTech companies
$5.4b in tracked funding; 95% of the stack-profiled cohort runs cloud-native; funding activity peaked in 2025.
Ranked: Best FinTech companies in North Rhine Westphalia
| # | Company | Disclosed funding | Last round | Employees | Founded | Founder | Tech stack | Recent signals |
|---|---|---|---|---|---|---|---|---|
| 1 | Auxmoney Online P2P lending platform for personal loans 40Funding top 27%Product top 42%Market top 43%Fin. health top 46% All 8 signals ▾Fundingtop 27% Producttop 42% Markettop 43% Fin. healthtop 46% Globalbottom 39% Growthbottom 37% Techbottom 31% Newsbottom 27% Funding: Raised $223M across 7 rounds · 7 rounds over 13 yrs (0.5/yr) Product: 1 published app (335k installs) · Company stage: Acquired rank vs industry peers · Fliar Intelligence Index 40/100 | $223M | 24 mo ago | 278 278 → 206 (-26%) | 2007 | — | Apple iCloud MailMicrosoft 365Salesforce+3 | — |
| 2 | 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 | 2016 | Sascha Poggemann Founder - COGNIGY.AI - Conversational Process Automation Technology | Node.jsRadix UITailwind CSS+19 | — |
| 3 | Nextmarkets Online & app-based trading platform for CFDs | $44M | 63 mo ago | 107 | 2014 | — | — | — |
| 4 | bezahl.de Payment processing solutions for car dealers 57Growth top 28%Funding top 33%Talent top 38%Product top 40% All 7 signals ▾Growthtop 28% Fundingtop 33% Talenttop 38% Producttop 40% Techtop 41% Marketbottom 39% Globalbottom 39% Growth: Web rank 5,000,000 → 1,000,000 YoY · Fresh capital in last 24 mo Funding: Raised $41.3M across 4 rounds · 4 rounds over 4 yrs (1.0/yr) rank vs industry peers · Fliar Intelligence Index 57/100 | $41M | 12 mo ago | 47 | 2018 | Lasse Diener Co-Founder & CEO | WebflowGSAPPayPal+16 | 1 job opening |
| 5 | Compeon Comparison platform for business financial products | $37M | 64 mo ago | 107 | 2012 | — | WordPressApple iCloud MailMicrosoft 365+19 | — |
| 6 | Aevi Provider of in-person payment orchestration platform and related payment solutions 60Fin. health top 20%Innovation top 33%Funding top 38%Moat top 39% All 11 signals ▾Fin. healthtop 20% Innovationtop 33% Fundingtop 38% Moattop 39% Producttop 42% Growthtop 45% Talentbottom 49% Techbottom 48% Globalbottom 43% Marketbottom 41% Newsbottom 21% Fin. health: Revenue ~$64.4M · Revenue 1.9x total funding Innovation: 8 product lines rank vs industry peers · Fliar Intelligence Index 60/100 | $34M | 18 mo ago | 17 | 2015 | Mike Camerling CEO & MD | DatoCMSNode.jsTailwind CSS+12 | 1 partnership · 1 award |
| 7 | Aufinity Digital payment management for car dealerships 40Funding top 35%Growth top 35%Tech top 50%Talent bottom 49% All 6 signals ▾Fundingtop 35% Growthtop 35% Techtop 50% Talentbottom 49% Globalbottom 38% Marketbottom 29% Funding: Raised $25.9M across 1 rounds · 1 rounds over 1 yrs (1.0/yr) Growth: Fresh capital in last 24 mo rank vs industry peers · Fliar Intelligence Index 40/100 | $26M | 12 mo ago | — | 2018 | Markus Wolf CFO & Managing Director | WebflowApple iCloud MailGSAP+13 | — |
| 8 | OneFor App-based global payment solutions for cross-border money transfers | $12M | 59 mo ago | 24 | 2020 | Ilir Aliu Co-CEO & MD | ReactReact RouterAmazon Web Services+6 | — |
| 9 | Balance Re Provider of reinsurance solutions to life insurance companies | $10M | 58 mo ago | 20 | 2014 | Lucian Rautu Co-Founder | — | — |
| 10 | getpaid Merchant payment processing with split payments, and automated payout solutions | $6M | 32 mo ago | 16 | 2022 | Cyrosch Kalateh Co-Founder & CEO | Webflow EcommerceWebflowMicrosoft Clarity+11 | — |
| 11 | encoord Provider of software solutions for energy modeling 50Global top 33%Talent top 38%Funding top 43%Market bottom 48% All 4 signals ▾Globaltop 33% Talenttop 38% Fundingtop 43% Marketbottom 48% Global: Serving 60+ countries worldwide · Investors from 1 country beyond Germany Talent: 2 named leaders on record · 2 C-suite/founder profiles curated rank vs industry peers · Fliar Intelligence Index 50/100 | $6M | 7 mo ago | 33 | 2019 | Carlo Brancucci Co-Founder & CEO | — | — |
| 12 | akirolabs Developer of an AI-powered platform for procurement category strategy management | $5M | 22 mo ago | 11 | 2020 | Christoph Flöthmann Co-Founder & CPO | WebflowApple iCloud MailMicrosoft 365+17 | — |
| 13 | MoneyMeets Social Network for optimizing financial decisions | $4M | 120 mo ago | 21 | 2012 | Johannes Cremer Co-Founder & Managing Director | — | — |
| 14 | Naro White-labelled trading platform for businesses 24Talent top 28%Funding top 43%Moat top 48%Global bottom 39% All 6 signals ▾Talenttop 28% Fundingtop 43% Moattop 48% Globalbottom 39% Techbottom 35% Marketbottom 28% Talent: 3 named leaders on record · 3 C-suite/founder profiles curated Funding: Raised $3.0M across 2 rounds · 2 rounds over 2 yrs (1.0/yr) rank vs industry peers · Fliar Intelligence Index 24/100 | $3M | 12 mo ago | — | 2022 | Soline Dziadzio Founder Associate | Framer SitesReactLenis+7 | 2 partnerships |
| 15 | 4Stop Provider of on-demand KYC solutions | $2M | 85 mo ago | 4 | 2012 | Ingo Ernst Founder & CEO | — | — |
| 16 | Vickii Investment training platform for stocks and ETFs | $1M | 33 mo ago | — | 2022 | Maurice Battiste Moosmann Co-Founder & CFO | — | — |
| 17 | Fabwelt Online gaming and NFT collectibles platform for individuals | $995K | 55 mo ago | 12 | 2021 | Loet Hooge Co-Founder | WordPressMySQLPHP+21 | — |
| 18 | DueDash Provider of an investment management platform for private capital markets | $500K | 51 mo ago | — | 2020 | Parul Madan Founder & CEO | WordPressMySQLPHP+19 | — |
| 19 | Widgetlabs Software solutions for the insurance industry | $100K | 233 mo ago | — | 2007 | Ayham Ghorani Founder | — | — |
Top 12 FinTech companies in North Rhine Westphalia
#1
Series C · Cologne, North Rhine Westphalia · founded 2018 · 47 employees$41.3Mraised▾
Payment processing solutions for car dealers. It features solutions for automated accounting, payment traceability, contactless payment, invoice digitization, and more. It offers payment solutions for car purchases via smartphone. It also provides payment management for workshops, service centers, and more.
- May 2025Series C$26M
- Mar 2024Series B$23.9M
- Mar 2023Series A$11.7M
- Feb 2022Seed$5.7M
#2
Seed · Essen, North Rhine Westphalia · founded 2019 · 33 employees$5.9Mraised▾
Provider of software solutions for energy modeling. It also provides consulting solutions for energy systems integration and coordination. Its software helps to model different coupled energy systems, data exchanges between different software environments, and automate the setups.
- Oct 2025Seed$2M
- Feb 2024Seed$1.8M
- Sep 2023Grant (prize money)$274.4K
- Jan 2022Seed$3.9M
#3
Series C · Cologne, North Rhine Westphalia · founded 2018$25.9Mraised▾
Digital payment management for car dealerships. It automates, digitizes and simplifies the entire receivables process, from payment invitation to data transfer to your financial accounting system.
- May 2025Series C$25.9M
#4
Acquired · Dusseldorf, North Rhine Westphalia · founded 2007 · 278 employees$223.4Mraised▾
Auxmoney is an online P2P lending platform for personal loans. It allows private consumers to borrow personal loans by connecting multiple private investors. Through its platform, private and institutional investors directly invest in pre-approved borrowers of different score classes.
- 2024Series F—
- Aug 2022Conventional Debt$511M
- May 2022Conventional Debt—
- Apr 2021Conventional Debt$296.9M
#5
Series A · Paderborn, North Rhine Westphalia · founded 2015 · 17 employees$33.6Mraised▾
Provider of in-person payment orchestration platform and related payment solutions. The platform offers payment gateway, payment processing, and cloud-based payment options. It provides solutions for card present payments, smart point-of-sale systems, and unattended payments. The platform is certified for security and compliance.
- Nov 2024Venture Debt$5.2M
- Oct 2016Series A$10.9M
- May 2016Series A$22.8M
#6
Acquired · Dusseldorf, North Rhine Westphalia · founded 2016 · 98 employees$165Mraised▾
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.
- Jun 2024Series C$100M
- Feb 2022Series B$15M
- Jun 2021Series B$44M
- Jan 2021Series A—
#7
Seed · Cologne, North Rhine Westphalia · founded 2022$3Mraised▾
White-labelled trading platform for businesses. Offers infrastructure funding for fair fund earnings. Focused on redistributing fund earnings that enables companies to build their own ETFs and funds, without any operational and regulatory burden, while receiving fair share of the fund market. Enables to integrate solutions into current offerings to promote product engagement, daily-flexible capital storage with no counterparty risk, moving beyond transaction-based earnings, and more.
- Jun 2025Seed$6.7M
- Mar 2024Seed$3M
#8
Seed · Bocholt, North Rhine Westphalia · founded 2020 · 11 employees$5Mraised▾
Developer of an AI-powered platform for procurement category strategy management. The platform provides guided workflows, collaborative tools, and AI-driven insights to streamline strategy lifecycles. It offers features such as scenario modeling, stakeholder engagement, and a centralized strategy hub. The platform helps procurement teams create impactful strategies aligned with business objectives.
- Jul 2024Grant (prize money)—
- Jan 2024Seed$5M
#9
Seed · Dusseldorf, North Rhine Westphalia · founded 2022 · 16 employees$6.3Mraised▾
Merchant payment processing with split payments, and automated payout solutions
- Oct 2023Seed$6.3M
#10
Series B · Cologne, North Rhine Westphalia · founded 2014 · 107 employees$43.7Mraised▾
Nextmarkets provides an online & app-based trading platform for CFDs. Allows users to follow traders from across the globe, read market analysis, practice trading, execute real trades, and more. Provides access to multiple instruments covering shares, indices, commodities, forex, and bonds.
- Mar 2021Series B$30M
- Jun 2018Series A$7M
- Jul 2016Series A$3.9M
- 2015Seed$2.8M
#11
Acquired · Emsdetten, North Rhine Westphalia · founded 2012 · 107 employees$36.8Mraised▾
Compeon is an online comparison platform for different business financial products which allows the businesses access to a tailor-made offer for time deposits, leasing, credit lines, investment loans, real estate financing, etc.. These products are offered by its partner banks, financial institutions, and leasing companies.
- Jan 2021Series C$18.2M
- Oct 2017Series B$15.8M
- Nov 2015Series A$2.7M
#12
Series B · Dusseldorf, North Rhine Westphalia · founded 2020 · 24 employees$11.8Mraised▾
App-based global payment solutions for cross-border money transfers. It offers an e-wallet that allows users to send money, make gift payments, or request money from one or multiple people from around the world. The app also includes an eWallet that is connected with a ready-to-use debit card. The app is available for Android and iOS platforms.
- Jul 2021Series B$11.8M
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 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.
- Max Planck Institute for Innovation and Competition5
- Max Planck Society5
- International School of Management5
- Goethe University Frankfurt4
- European Central Bank4
- Transformative learning2
- Snowball sampling1
- Financial literacy1
- Quality (philosophy)1
- Entrepreneurship1
- Financial services1→9
- Financial innovation2→6
- Financial services2→13
- Financial inclusion1→7