121 Fintech Startups to Watch in 2022

Fintech's tech sector is booming. This year’s list of the best 121 Fintech tech startups is an eclectic mix of hyper-growth scaleups, small creative startups and everything in between.

The last update was made on November 26, 2022.

Curated by @gonsanchezs

Fintech 10+ employees Fast-growing

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Rapyd is a platform creating a cardless financial network.

London   101-250   $150,000,000  


Monzo is a London-based digital-only bank platform.

London   251-500   $417,342,054  


Klarna is an e-commerce payment solutions platform for merchants and shoppers.

Stockholm   1001-5000   $1,234,713,450  


Wirecard is fastest-growing digital platforms in the area of financial commerce.

Munich   1001-5000   $1,010,132,753  


TradingView is the largest network of self-directed traders and investors with an advanced financial platform.

London   101-250   $40,752,500  

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Ebury is a financial services company designed to empower small and medium-sized businesses that want to trade internationally.

London   501-1000   $570,403,724  


iBanFirst operates as a financial services platform for SMEs.

Brussels   11-50   $28,000,000  


Raisin is a savings and investment marketplace that connects retail customers with banks looking to expand deposit reach.

Berlin   51-100   $206,007,634  


October is an online marketplace for business loans, enabling investors to lend money directly to small- and medium-sized enterprises.

Paris   51-100   $309,452,316  


Mimecast is a SaaS-based email management platform enabling companies to administer business communications and data.

London   1001-5000   $90,244,477  


SumUp is a financial technology company that enables businesses to accept card payments at the Point-of-Sale or on the go.

London   1001-5000   $425,559,328  


Darktrace is an artificial intelligence company for cyber security.

Cambridge   501-1000   $230,500,000  


SolarisBank offers a platform that enables digital companies to create custom solutions for their unique financial needs.

Berlin   101-250   $111,216,635  


Tide is a fintech and banking company that gives time back to business owners, so they can get back to doing what they love.

London   101-250   $95,236,961  


LendInvest operates an online marketplace for property lending and investing.

London   251-500   $992,974,209  


Karma designs and offers application to minimize the food waste in grocery stores and restaurants.

Stockholm   501-1000   $16,746,654  


TrueLayer provides a platform to build financial apps that connect to bank data, verify accounts, and access transactions in real time.

London   11-50   $46,800,000  

IMMO Investment Technologies

IMMO helps sell, rent & invest into residential real estate, thereby opening up a new asset class for investors.

London   11-50   $12,164,669  


nfinitiv is an advisory firm that helps start-ups and scale-ups to help accelerate growth and scale.

Luxembourg   11-50   $168,075  


Billie is a fintech startup that is reinventing the way small businesses manage their working capital.

Berlin   11-50   $49,098,705  


Checkout helps companies accept more payments around the world through one integration.

London   501-1000   $230,000,000  


Agricool grows local, tasty and pesticide-free fruits and vegetables by recycling shipping containers into urban farms.

Paris   51-100   $38,948,161  


Bnext is the leading mobile-first neobank of Spain

Madrid   51-100   $29,743,162  


TransferGo offers digital international money transfers for migrants and businesses.

London   11-50   $54,390,217  


Habito is the UK's digital mortgage broker, using technology to bring the mortgage-application process into the 21st century.

London   101-250   $36,781,467  


Carwow helps efficiently connect car buyers to car dealers and makes buying a car easy and enjoyable.

London   251-500   $102,815,911  


Digital financial solutions for the Italian SME market

Milan   51-100   $2,400,000  


Penta is a digital platform for business banking aimed at SMEs and startups.

Berlin   51-100   $19,822,423  

Yoyo Wallet

Yoyo Wallet is a mobile payment, loyalty and marketing platform.

London   51-100   $60,268,457  


iwoca offers finance for businesses for various purposes ranging from bridging short-term cashflow gaps to investing in stock opportunities.

London   251-500   $364,798,483  

Chip Financial

Chip an automatic savings app that does all the hard work to make saving money as easy as spending it.

London   11-50   $15,361,047  


Ring is a European brand in vehicle lighting, auto electrics, workshop tools and auto accessories.

Leeds   501-1000    


Axonius is the cybersecurity asset management platform that lets IT and Security teams see devices for what they are to manage & secure all.

Tel Aviv   11-50   $37,000,000  

Binance Labs

Binance Labs is the venture arm of Binance, existing to grow the blockchain and crypto ecosystem.

Valletta   251-500   $10,000,000  


Tractable develops artificial intelligence for accident and disaster recovery.

London   51-100   $34,900,000  


Everledger provides an immutable ledger for diamond and other asset ownership and related supply chain history.

London   51-100   $30,400,000  


Satispay is a smart payment platform that enables individuals and merchants to send and receive payments.

Milan   51-100   $50,588,286  


BioCatch is a cybersecurity company that delivers behavioral biometrics, analyzing human-device interactions to protect users and data.

Tel Aviv   51-100   $41,600,000  


ClauseMatch is a financial technology company that provides software-as-a-service platform for smart document management.

London   101-250   $9,274,186  


Scandit develops software for barcode scanning, text and objects recognition, and delivering real-time insights through augmented reality.

Zürich     $43,000,000  


Younited Credit is a provider of an online platform to facilitate financial transactions between lenders and borrowers.

Paris   101-250   $122,050,672  


BUX makes it easy and affordable for people to engage in the financial markets through mobile platforms.

Amsterdam   101-250   $35,288,921  


Taxfix is an app that simplifies complex tax filing systems by offering a chat-like interface only asking users questions that are relevant.

Berlin   101-250   $45,000,000  


Bitstamp allows companies and individuals from all around the world to buy and sell bitcoin, litecoin, ethereum, ripple, and bitcoin cash.

London   101-250   $12,400,000  


Worldcoo is a social company aimed at funding NGO projects through omnichannel committed companies and their users.

Barcelona   11-50   $2,947,334  

Augmentum Fintech

Augmentum Fintech is a venture capital fund with a focus in fast growing and/or high potential FinTech companies in the UK and Europe.

London   1-10   $33,460,888  


Coya offers scalable protection at the point of need with an AI risk guardian and simple, transparent, and personalized insurance cover.

Berlin   101-250   $40,000,000  


Zeitgold is a Berlin-based AI company providing a complete solution for financial administration of small businesses.

Berlin   101-250   $27,746,684  


Divido is a global white label consumer lending platform for financial institutions and multinational retailers.

London   51-100   $18,979,930  


Fintonic is a free application that enables anyone to organize accounts and saving money.

Madrid   51-100   $50,934,536  

Aleva Neurotherapeutics

Aleva Neurotherapeutics has developed a proprietary neurostimulation platform based on microDBS Technology

Lausanne   11-50   $57,122,994  


Moneybox is a mobile savings and investment app that enables users to round up their digital spare change into a Stocks & Shares ISA.

London   11-50   $23,304,203  


Bitwala is the bank account of the blockchain economy.

Berlin   11-50   $21,791,654  


Dreams is a Neo-bank that makes saving, spending and lending money easy, engaging, and social.

Stockholm   11-50   $27,803,971  


TotallyMoney puts customers right at the center of their credit data, helping them make smarter financial decisions.

London   11-50   $71,549,530  


Housfy develops a digital platform designed to sell flats and houses between private individuals.

Barcelona   51-100   $11,027,195  


Finiata provides working capital financing for freelancers and SME's over a fully automated data driven scoring technology.

Berlin   101-250   $30,929,505  


Simplesurance creates a platform for simple access to insurance to combine traditional insurance industries with digital business.

Berlin   101-250   $59,900,000  


EclecticIQ is a global provider of Cyber Threat Intelligence technology solutions and Fusion Center operator.

Amsterdam   51-100   $23,850,413  


Invest in Bitcoin, gold and over 20 other digital assets on your phone or desktop. Fast, secure and 24/7.

Vienna   101-250   $48,850,226  


Wrapp is The New Standard for rewarding purchases and customer loyalty.

Stockholm   51-100   $36,579,001  


Bynk is a fintech company that provides personal loans, in a data-driven manner.

Stockholm   11-50   $72,690,371  


Adyen offers Adyen platform that integrates gateway, risk management, processing, acquiring, and settlement of payments.

Amsterdam   501-1000   $266,000,000  


Trustly provides a simplified Internet solution for online payments through a bank.

Stockholm   101-250   $28,862,926  


ChromaWay is a platform which enables smart contracts and digital assets for financial applications and non-financial applications.

Stockholm   11-50   $14,809,866  


The pioneers of gaming surrogacy.

Espoo   11-50   $2,000,000  


PayKey enables banks to offer their customers access to financial services, including P2P payments, from within any mobile application.

Tel Aviv   11-50   $26,400,000  


Anyfin puts a stop to overpriced financial products to save money on private loans by taking a photo.

Stockholm   11-50   $8,962,681  


Mishipay is an app allowing you to never have to stand in line to pay at a store again.

London   1-10   $6,511,448  


Windward is in the business of analysis to help people understand maritime risk and therefore take actions to reduce it.

Tel Aviv   51-100   $32,300,000  

Smartbox Group

Smartbox is a provider of experience gifts across eleven countries in Europe.

Dublin   501-1000   $196,635,530  


One of Europe's fastest growing FinTech companies driving innovation in payments and lending.

Helsinki   101-250   $158,936,030  


Pagantis, an established fintech founded in 2011, provides automated, friction-free consumer finance for e-commerce transactions in Europe.

Madrid   101-250   $87,342,806  


Pilot is a marketplace where companies hire contract developers and designers.

Wroclaw   101-250   $120,000  


Decisions extends Office 365 with a solution to plan, organize and run successful meetings.

Oslo   51-100   $1,309,336  


Homeday is an online resource for finding a new home and getting in touch with a local realtor.

Berlin   101-250   $23,166,166  


Gimi is an educational app that teaches young adults about money.

Stockholm   11-50   $5,396,121  


kompany is a global RegTech platform for global business verification and Business KYC

Vienna   11-50   $8,355,000  


Bonify is a Fintech startup based in Berlin that offers credit scoring tools and services to its users.

Berlin   11-50   $5,834,949  


FreeAgent provides online accounting and money management software for small businesses and freelancers.

Edinburgh   101-250   $10,748,372  


Kreditz real-time credit score based on bank transaction data from the past 12 months.

Stockholm   11-50   $933,411  


Corlytics is a risk focused financial intelligence technology company. It is the world leader in regulatory risk intelligence.

Dublin   11-50   $15,623,816  


Clear, structured, alternative data-driven insights, purposefully built to improve your alpha and risk exposure.

Tel Aviv   11-50   $4,300,000  


Bitrefill offers gift cards, mobile phone refills, and lightning network services on a global scale, receiving bitcoin and cryptocurrencies.

Stockholm   11-50   $2,000,000  


Traffic management platform based on smart sensors which prepares the road infrastructure for the connected and autonomous era.

Tel Aviv   11-50   $5,000,000  


MyCheck is a mobile application that enables users to split and pay bills for goods and services through their mobile devices.

Tel Aviv   51-100   $11,100,000  


Baobab is a digital finance company focusing on financial inclusion in Africa and China.

Paris   1001-5000   $128,511,281  


Peerby.com is a website and mobile app enabling consumers to borrow products by asking around in their neighborhood.

Amsterdam   11-50   $4,664,224  


FinLab is a Germany-based investment company engaged in the building of companies in the financial services technologies.

Frankfurt   11-50   $12,822,195  


Wagestream is a financial services firm that allows employees to stream their earned wages into their accounts through an instant app.

London   11-50   $75,865,477  


KupiVIP is a Russian online fashion retailer selling discounted fashion and home goods from high-street and luxury brands.

Moscow   101-250   $119,600,000  

M14 Industries

M14 Industries is the a white label dating platform.

Manchester   1-10   $311,724  


Enmacc is an independent OTC energy trading platform that provides sales trading and makes energy trading.

Munich   11-50   $11,034,630  


We're an accounts receivables platform for SMEs, solving the biggest reason for bankruptcies in Europe: missing liquidity.

Copenhagen   11-50   $1,082,945  


ProntoPiso offers real estate services that provide advise during the buying and selling of properties.

Barcelona   11-50   $26,054,427  


Upflow is a technology company building the payment platform for B2B businesses. Get paid faster, simpler.

Paris   11-50   $2,758,623  

Capital Cell

Capital Cell is a European equity crowdfunding platform for biotech & healthcare projects based in Barcelona and Cambridge/UK.

Barcelona   11-50   $1,243,198  


Everyone should be able to own their financial future. MyWallSt is here to guide and support you in your investing life.

Dublin   11-50   $8,453,329  


Nomoko builds the digital infrastructure for the 4th Industrial revolution--the Mirror World

Zürich   11-50   $2,873,579  


Arviem provides supply chain visibility solutions via IoT enabled real-time cargo tracking and monitoring and cloud based data analytics.

Zug   11-50   $12,247,363  


payever is a unique commerce solution that covers the whole sales cycle, from online shop and point of sale software to payment.

Hamburg   11-50   $810,093  


It is specialises in providing Swiss KMUs with state of the art Insurance and Receivables Finance solutions.

Zürich   11-50   $103,499,300  


Enabling (Re) Insurers to transparently predict and price cyber risk.

Tel Aviv   11-50   $5,500,000  


Kaching develops a cloud-based mobile retail platform.

Stockholm   11-50   $13,449,635  


Zeek is an online marketplace that enables its users to sell unwanted vouchers in exchange for cash and purchase discounted gift cards.

Tel Aviv   11-50   $12,500,000  


Cashless Payments platform.

Prague   1-10   $382,213  


Chooose makes people and companies climate positive.

Oslo     $4,900,000  


Creamfinance is a financial services company based on cutting edge financial technology instruments.

Warsaw   101-250   $30,118,088  


Finanzguru is an AI based financial assistant.

Frankfurt   11-50   $6,836,974  


Remente, an online mental health-based platform, helps its users improve their mental strength, reach their goals, and enhance their lives.

Gothenburg   11-50   $1,147,278  


A technology spin-out company from the University of Strathclyde.

Glasgow     $28,251,450  


Loungers operates a chain of cafes, bars and restaurants across Britain.

Bristol   1001-5000   $80,329,463  

Vivense Home & Living

Vivense is a Turkish online furniture store that connects customers with furniture manufacturers.

Istanbul   11-50   $18,625,000  

Grupa Pracuj

Grupa Pracuj, the owner of GP HR VENTURES, is the fastest developing technological companies in Central Europe providing HR solutions.

Warsaw   501-1000   $95,000,000  


First purpose-built protocol for supply chain based on blockchain

Ljubljana   43840   $22,500,000  

Lemongrass Consulting

Lemongrass Consulting is World class consultants. Extensive SAP experience. Innovative solutions.

Reading   11-50   $19,260,000  


TravelNest is an advertising optimisation platform for holiday rental owners.

Edinburgh   11-50   $7,045,283  


Owlin is an ambitious technology company developing real-time data analysis and cutting edge.

Amsterdam   11-50   $3,750,000  


PAYMILL is a payment solution platform that enables online businesses to accept payments on their websites within a very short time.

Munich   11-50   $18,000,000  

Delivery Club

Delivery Club is the market leading food delivery company in Russia with over 4,000 restuarnts in 75 cities.

Moscow   101-250   $12,000,000  


Payment plugin (PayPlug.in) is a cloud-based payment gateway that facilitates online payments for SMBs.

Prague   11-50   $25,000  


Proceedix is a Software as a Service-based central platform for managing enterprise procedures and instructions in an easy way.

Ghent   11-50   $2,242,620  


Right Mesh is on a mission to connect the next billion users without infrastructure.

Zug   51-100   $30,000,000  


Foundries.io delivers secure, over-the-air updatable software platforms for embedded product development.

Cambridge     $3,500,000  


Unnax enables businesses to access financial-related data from customers in a simple and secure way.

Barcelona   11-50   $2,281,816  

NAGA Group

The NAGA Group is a fintech company provides access to the best market tools for everyone across the globe.

Hamburg   101-250   $14,310,970  

Get the full list of 9,200+ Fintech & European tech companies

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  • 🏢 Company
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  • 🔗 URL
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  • London
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  • Berlin
  • Raise
  • $125M
  • $169M
  • $100M
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  • URL
  • hopin.com
  • glovo.com
  • n26.com
  • curve.com
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  • tier.app

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