Best FinTech Companies in Poland
The 356 best FinTech companies in Poland in 2026, ranked by funding and momentum. Funding, investors, founders, valuation, tech stack and live signals. Top: Ramp.
Poland's FinTech sector has $349M in disclosed funding spread across 356 tracked companies, and not a single unicorn in sight. That's the honest picture. BPN leads the directory at $50M raised, followed by Authologic at $9M and Inxy at $7M. The funding is real, it's concentrated, and it tells you exactly where investor conviction sits. Globally, the FinTech market is valued at roughly $113.4B in 2025 and projected to reach $461.6B by 2034, a 17.21% CAGR according to IMARC Group, driven by OEM-Pay adoption, Apple Pay penetration, and the SCA requirements baked into PSD2. Stringent and sometimes conflicting government regulations are shaping how fast Polish operators can actually move.
So what's the opportunity here? Coverage is rising, and the themes drawing capital are next-gen banking platforms, digital banking innovation, and cloud-based infrastructure. I'd watch how PB Fintech's move to raise capital for global expansion signals broader appetite for cross-border FinTech bets. Active investors in Poland include MCI Capital, Europa, and Huge Thing, names that signal institutional seriousness. The directory you're looking at ranks the best FinTech companies in Poland by disclosed equity funding and recent funding momentum, giving you a capital-grounded starting point, not a hype list.
- 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 Poland
| # | Company | Disclosed funding | Last round | Employees | Founded | Founder | Tech stack | Patents & IP focus | Recent signals |
|---|---|---|---|---|---|---|---|---|---|
| 1 | Ramp Decentralized platform for fiat-cryptocurrency exchange | $134M | 43 mo ago | 178 | 2018 | — | WebflowApple iCloud MailGoogle Workspace+18 | — | — |
| 2 | BPN Cross-border payment platform | $50M | 8 mo ago | — | 2025 | Dixuan Fu Founder | Node.jsTailwind CSSReact+10 | — | 2 launchs · 1 expansion |
| 3 | Creamfinance Online platform for personal loans | $32M | 110 mo ago | 28 | 2012 | — | WordPress Block EditorWordPressApple iCloud Mail+22 | — | — |
| 4 | billon Blockchain-based payments infrastructure | $16M | 53 mo ago | 67 | 2012 | Andrzej Horoszczak CTO & ex-Co-Founder | Tailwind CSSstyled-componentsReact+10 | 22 patents Patents concentrated in electrical & electronics | — |
| 5 | Booste Online marketplace for revenue-based financing for eCommerce | $15M | 60 mo ago | 13 | 2004 | — | WordPressMySQLPHP+31 | — | — |
| 6 | Authologic Identity verification solutions provider | $9M | 19 mo ago | 10 | 2020 | Jarek Sygitowicz Co-Founder | TurbopackApple iCloud MailGoogle Workspace+22 | — | 3 partnerships |
| 7 | Nethone Security Provider of fraud prevention and detection solutions for online platforms | $8M | 59 mo ago | 105 | 2016 | Aleksander Kijek CPO | — | — | — |
| 8 | INXY Payment acceptance management platform | $7M | 2 mo ago | 14 | 2022 | Serge K Co-Founder | WebflowApple iCloud MailGoogle Workspace+13 | — | — |
| 9 | TransactionLink Provider of KYB automation platform for compliance and onboarding operations | $7M | 32 mo ago | 11 | 2019 | — | WebflowApple iCloud MailGoogle Workspace+13 | — | — |
| 10 | Wealthon Provider of online financing and business tools for SMEs | $5M | 16 mo ago | 31 | 2018 | Aleksander Przetakiewicz Co-Founder | WordPressApple iCloud MailGoogle Workspace+30 | — | — |
| 11 | Billon Cross border money transfer app | $5M | 114 mo ago | — | 2012 | Andrzej Horoszczak Founder & CEO | — | 22 patents Patents concentrated in electrical & electronics | — |
| 12 | SMEO Online invoice factoring platform for entrepreneurs & freelancers | $5M | 66 mo ago | 41 | 2017 | Michal Pawlik Co-Founder & CEO | WordPress Block EditorWordPressMySQL+32 | — | 1 job opening · 1 internship |
| 13 | Upswot Provider of a platform delivering business insights for financial institutions | $4M | 63 mo ago | 118 | 2018 | Andrey Davydchuk Founder & CTO | WebflowreCAPTCHAHSTS+9 | — | — |
| 14 | Rankomat Online auto insurance comparison platform for individuals | $4M | 187 mo ago | 215 | 2009 | — | WordPressMySQLPHP+24 | — | 1 partnership · 1 award |
| 15 | WealthArc Cloud based platform for financial data analysis and client interaction for wealth managers | $4M | 64 mo ago | 40 | 2014 | — | WebflowSplidecore-js+17 | — | 1 launch |
| 16 | Soil Provider of DeFi protocol that provides returns on stablecoins | $4M | 32 mo ago | — | 2021 | Jakub Bojan Founder & CEO | WordPressMySQLPHP+18 | — | 1 launch · 1 award |
| 17 | cashDirector AI-driven automated accounting solution for businesses | $3M | 73 mo ago | — | 2012 | Patrycja Strzelecka CCO | — | — | — |
| 18 | cashdirector CashDirector SA is a technology company providing banks with Virtual CFO & real-time accounting platforms for… | $3M | 73 mo ago | 250 | 2012 | — | RubyRuby on RailsEnvoy+13 | — | 1 job opening |
| 19 | STIX Online platform for secondary market digital assets | $3M | 31 mo ago | 7 | 2017 | Taranveer Sabharwal Founder & CEO | Node.jsReactNext.js App Router+10 | — | — |
| 20 | Gatenox KYC solutions for individuals & businesses | $2M | 46 mo ago | 18 | 2019 | — | — | — | — |
| 21 | Alaska Gold Rush NFT-based trading platform for digital games | $2M | 37 mo ago | — | 2022 | Sylwia Slusarek Co-Founder | Node.jsYouTubeTailwind CSS+9 | — | — |
| 22 | Leaselink Leasing service for entrepreneurs | $2M | 104 mo ago | 58 | 2016 | — | WordPressMySQLPHP+28 | — | — |
| 23 | Cyberus Labs Voice bio-metrics based multi-platform identification system & MDM solution | $2M | 96 mo ago | 10 | 2013 | Jack Wolosewicz Co-Founder | — | 13 patents Patents concentrated in computing, sensing & instrumentation | — |
| 24 | ZenCard Card linked real time loyalty redemption platform | $2M | 130 mo ago | 11 | 2013 | — | — | 5 patents Cashless card payment processing systems and devices | — |
| 25 | Digital Fingerprints Behavioral biometrics solutions for financial institutions | $2M | 111 mo ago | 12 | 2017 | Mateusz Chrobok Co-Founder & CEO | WordPressMySQLPHP+24 | — | — |
| 26 | Straal API-linked payment gateway for online and offline payments | $2M | 43 mo ago | 35 | 2015 | — | WordPressMySQLZoho+23 | — | — |
| 27 | Bankier.pl Polish financial information portal | $1M | 292 mo ago | 57 | 2000 | Joanna Kuzdak CEO | Apple iCloud MailGoogle WorkspaceStripe+32 | — | 1 partnership |
| 28 | Fenige Cross-border money transfer solutions for individuals and businesses | $1M | 49 mo ago | 50 | 2013 | Marcin Kopys CEO | WordPressMySQLPHP+16 | — | — |
| 29 | Nodu Provider of APIs for compliant fiat and stablecoin payment processing | $1M | 5 mo ago | — | 2025 | Daria Dubinina Co-Founder | Google CloudPriority HintsGoogle Font API+7 | — | — |
| 30 | Flexee Online platform for employee financial benefit management | $1M | 49 mo ago | 12 | 2020 | Andrzej Nowak Co-Founder & CEO | WordPress Block EditorWordPressMySQL+18 | — | 1 partnership |
| 31 | inFakt Accounting and invoicing application provider. | $1M | 149 mo ago | 66 | 2008 | Wiktor Sarota CEO | WordPressMySQLPHP+35 | — | 1 partnership |
| 32 | bNesis Open banking aggregation API | $976K | 102 mo ago | — | 2016 | Dmitriy Norenko Co-Founder & CEO | — | — | — |
| 33 | Self Learning Solutions AI-based platform for workflow management | $920K | 51 mo ago | — | 2017 | Karol Dziasek Co-Founder & CEO | Webflow EcommerceWebflowAmazon Web Services+16 | — | — |
| 34 | Laven Online comparison platform for health insurance | $891K | 50 mo ago | 11 | 2020 | — | — | — | — |
| 35 | Quantee Ai Developer of software for property and casualty insurance pricing and rating | $700K | 49 mo ago | 23 | 2016 | Dawid Kopczyk Founder & CEO | Webflowcore-jsPreact+15 | — | — |
| 36 | Akredo Aggregator for consolidation loans. | $630K | 126 mo ago | 6 | 2012 | Pawel Weber Co-Founder | ReactGatsbyNginx+13 | — | — |
| 37 | Moonie NFT-based trading platform for space games | $576K | 57 mo ago | 2 | 2021 | Lukasz Kowalski Co-Founder | — | — | — |
| 38 | Vestbee Online platform focused on venture capital fund investments | $542K | 33 mo ago | 11 | 2018 | — | Node.jsHeadless UITailwind CSS+19 | — | — |
| 39 | FIZEN Provider of banking and financial services | $539K | 46 mo ago | 4 | 2021 | Maciej Krasowski Co-Founder & CEO | Webflow EcommerceWebflowcore-js+13 | — | 1 partnership |
| 40 | Cryptiony Software-based cryptocurrency tax solutions platform | $535K | 41 mo ago | 5 | 2021 | Krzysztof Dworakowski Co-Founder | — | — | — |
| 41 | Fandla Internet-first working capital loans provider | $528K | 101 mo ago | 10 | 2016 | Wojciech Czajkowski Co-Founder & CEO | — | — | — |
| 42 | Cashy Platform for payment collection solutions | $514K | 5 mo ago | 9 | 2017 | Edyta Musielak Co-Founder | Node.jsFirebaseGoogle Cloud+11 | — | 1 award |
| 43 | Ailleron Provider of financial technology services and software solutions for institutions | $499K | 77 mo ago | 682 | 2007 | Mike Banigan Co-Founder and President | WordPressApple iCloud MailMicrosoft 365+25 | — | — |
| 44 | Sky Trading AI-enabled platform offering algorithmic trading solutions | $490K | 35 mo ago | 4 | 2020 | Maciek Biskup Co-Founder & CEO | — | — | — |
| 45 | Minte Provider of health insurance products | $486K | 17 mo ago | 13 | 2020 | Waldemar Truszkiewicz Co-founder | — | — | — |
| 46 | Irmatiq SaaS tool for managing investor relations and services | $479K | 50 mo ago | 4 | 2022 | Jakub Niestroj CEO | — | — | — |
| 47 | Mindento Online employees travel and expense management platform for enterprises | $302K | 44 mo ago | — | 2016 | Lukasz Andrzejewski Co-Founder | WordPressMySQLPHP+20 | — | — |
| 48 | FinPack Loan management solution for banks and financial institutions | $246K | 168 mo ago | — | 2012 | Michal Petters Co-Founder | WordPressPleskMySQL+10 | — | — |
| 49 | RoboHero Provider of NFT-based metaverse game for mobile devices | $150K | 25 mo ago | 8 | 2021 | Jakub Stefanek CEO | — | — | — |
| 50 | Atsora Financial management platform for businesses | $111K | 115 mo ago | 2 | 2013 | Krzysztof Pulkiewicz Co-Founder | — | — | — |
Top 12 FinTech companies in Poland
#1
Seed · Warsaw, Masovian Voivodeship · founded 2025$50Mraised▾
Cross-border payment platform. It is designed to connect stablecoins from G7 economies to emerging markets for fast, low-cost, and compliant global payments. It is building a programmable, multi-stablecoin global payment infrastructure that bridges traditional finance and decentralized finance, enabling direct, onchain transactions without the need for pre-funded accounts.
- Oct 2025Seed$50M
#2
Seed · Warsaw, Masovian Voivodeship · founded 2022 · 14 employees$7Mraised▾
Payment acceptance management platform. It offers a platform that enables businesses to accept payments, multi-currency processing, manage recurring payments, mass payouts automation, and fund exchange.
- Apr 2026Seed$4M
- Feb 2025Seed$3M
#3
Seed · Warsaw, Masovian Voivodeship · founded 2025$1.4Mraised▾
Provider of APIs for compliant fiat and stablecoin payment processing. The platform offers tools for embedding stablecoins into payment flows. It facilitates risk-based compliance onboarding aligned with crypto-asset regulations. The platform provides multi-currency accounts and enables real-time currency conversions for payments.
- Dec 2025Seed$1.4M
#4
Series A · Warsaw, Masovian Voivodeship · founded 2017 · 9 employees$513.8Kraised▾
Platform for payment collection solutions. It offers invoice discounts for early payments. It enables businesses to use funds to repay supplier invoices.
- Dec 2025Series A$836K
- Jul 2021Seed$513.8K
#5
Series A · Warsaw, Masovian Voivodeship · founded 2018 · 31 employees$5Mraised▾
Provider of online financing and business tools for SMEs. It offers various financing options, including POSCASH loans based on terminal turnover, credit card limits, and flexible repayment plans tailored to business needs. The company also provides integrated business tools such as a virtual payment card and a mobile sales assistant. These services aim to streamline cash flow, facilitate repayments, and provide quick access to online financing. Support is offered to businesses at all stages of development, addressing challenges faced by entrepreneurs. The services are designed to be accessible and easy to use, with an online application process taking only a few minutes.
- Feb 2025Series A$7.3M
- Feb 2025Conventional Debt$120.7M
- Jun 2024Venture Debt$12.3M
- Dec 2023Convertible Debt$5M
#6
Series A · Warsaw, Masovian Voivodeship · founded 2020 · 10 employees$8.8Mraised▾
Identity verification solutions provider. The product verifies identities online using video, banking data, and digital IDs. The features of the product include e-mail and phone verification, data security, built-in data privacy, conversion rate optimization, etc. It provides solutions for fintech, telecommunications, healthcare, etc.
- Oct 2024Series A$8.2M
- 2021Seed$125K
- May 2021Seed—
- Oct 2020Seed$464.5K
#7
Series B · Warsaw, Masovian Voivodeship · founded 2018 · 178 employees$134.2Mraised▾
Decentralized platform for fiat-cryptocurrency exchange. The platform uses decentralized escrow mechanisms to enable fiat to crypto trades. The seller creates a smart contract to lock a digital asset in escrow. The buyer sends a direct wire transfer to the seller & a payment oracle verifies the buyer's payment using open banking protocol. The smart contract unlocks the assets in escrow and sends them to the buyer.
- Nov 2022Series B$70M
- Oct 2021Series A$53M
- Jun 2021Seed$10.1M
- Aug 2018Seed$1.2M
#8
Seed · Poland · founded 2020 · 13 employees$486.2Kraised▾
Provider of health insurance products
- Jan 2025Seed$486.2K
#9
Seed · Warsaw, Masovian Voivodeship · founded 2019 · 11 employees$6.7Mraised▾
Provider of KYB automation platform for compliance and onboarding operations. The platform offers tools for verifying businesses, orchestrating checks, and investigating exceptions. It provides features such as customer forms, automated workflows, and data integrations. The platform supports custom requirements and accommodates existing processes for AML and onboarding.
- Oct 2023Seed$5.3M
- Jun 2021Seed$1.4M
#10
Series A · Warsaw, Masovian Voivodeship · founded 2012 · 67 employees$16Mraised▾
Billon is a blockchain-based payments infrastructure for businesses and government institutions. It provides an encrypted architecture that can be integrated with the bank in the back end. It manages the bank’s use cases, client accounts, and transfers within an ecosystem of computers and phones. It features accounts & transaction management, document management, tokenization & data sharing, and more.
- Dec 2021Grant (prize money)$1.5M
- Jul 2021Grant (prize money)$142.6K
- Aug 2020Series A$2.6M
- Mar 2020Series A$6M
#11
Funding Raised · Warsaw, Masovian Voivodeship · founded 2021$3.9Mraised▾
Provider of DeFi protocol that provides returns on stablecoins. It is a debt marketplace where established companies can obtain financing, and crypto investors can lend their stablecoins to earn yield derived from Real World Assets that exist off-chain.
- Oct 2023ICO$3.9M
#12
Seed · Warsaw, Masovian Voivodeship · founded 2017 · 7 employees$2.7Mraised▾
Online platform for secondary market digital assets.It allows users to sell illiquid assets. It features data driven price discovery tools for crypto privaye assets. It provides a suite of portfolio management tools & more.
- Nov 2023Seed$2.7M
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 Poland
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 51 Poland-affiliated papers.
- Nicolaus Copernicus University6
- SGH Warsaw School of Economics5
- University Of Information Technology4
- Jagiellonian University3
- Krakow University of Economics3
- Security token3
- Renting3
- Equity (law)3
- Payment3
- Creditor3
- Payment2
- Mobile payment2
- Financial inclusion2
- Transparency (behavior)1
- Financial transaction1
- Financial services14
- Financial innovation5
- Payment4
- Sustainable development4
- Incentive3
Where fintech is researched across Poland
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.