74 Best Personal Finance Startups to Watch in 2023

74 Personal Finance Startups to Watch (and Work for) in 2023

Personal Finance's tech sector is booming. This year’s list of the best 74 Personal Finance tech startups is an eclectic mix of hyper-growth scaleups, small creative startups and everything in between.

Curated by @gonsanchezs

Personal Finance 10+ employees Fast-growing

The last update was made on March 15, 2023.


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Freetrade

Freetrade is a challenger stockbroker that offers free share trading in mobile phones.

London   251 to 500   $140 Million   $4.8 Million  

Left Lane Capital   Molten Ventures   L Catterton  

B2B   MARKETPLACE  

Freetrade

Freetrade is a challenger stockbroker that offers free share trading in mobile phones.

London   251 to 500   $140 Million   $4.8 Million  

Left Lane Capital   Molten Ventures   L Catterton  

B2B   MARKETPLACE  

Penfold

Penfold is a pension management company that assists its users in tracking their pensions.

London   11 to 50   $22 Million   $2.7 Million  

Plug and Play Spain   Force Over Mass Capital   CPT Capital   Portfolio Ventures  

B2C  

Plend

Plend is building a better way to borrow where consumers are no longer held back by credit history.

London   11 to 50   $47 Million   $81 Thousand  

Ascension Ventures   Haatch  

B2B   B2C   MARKETPLACE  

Ramify

Ramify is a wealth management platform that provides ETF, SCPI, and private equity recommendations, management, and selection.

Paris   11 to 50   $3.6 Million   $3.6 Million  

Newfund  

B2B   SAAS   MARKETPLACE  

Tulipshare

Tulipshare is the first activist investment platform, with a focus on impactful project to make this planet better.

London   11 to 50   $12 Million   $1 Million  

Speedinvest   Eurazeo  

B2B   B2C   MARKETPLACE  

Söderberg & Partners

Söderberg & Partners is an advisory firm that offers wealth management services.

Oslo   101 to 250   $0   $300 Million  

B2B   B2C  

Grünfin

Grünfin is a sustainable investing platform for people who care about their impact.

Tallinn   1 to 10   $2.3 Million   $2.3 Million  

Norrsken VC   Lemonade Stand   Superangel  

B2B   B2C  

Netwealth

Netwealth is an online wealth management service that brings together an experienced team, user-friendly technology and lower fees.

London   11 to 50   $51 Million   $11 Million  

B2B  

Tymit

Tymit is a credit company that offers traditional credit cards and a buy now, pay later service.

London   101 to 250   $94 Million   $5.1 Million  

B2B  

Cassini Systems

Cassini Systems is a new financial technology company.

London   11 to 50   $21 Million   $21 Million  

B2B   SAAS  

Clim8 Invest

Clim8 Invest provides an app that allows individuals to invest in industries that work towards fighting climate change.

London   11 to 50   $18 Million   $8 Million  

7percent Ventures  

B2B  

Fintonic

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

Madrid   51 to 100   $51 Million   $21 Million  

B2C  

Pockit

Pockit is a financial technology company that provides a digital banking app for the underbanked masses.

London   11 to 50   $40 Million   $20 Million  

Concentric  

B2B   B2C  

Yomoni

Yomoni is an online private banking-style service in France aiming to make wealth management available to everyone.

Paris   11 to 50   $20 Million   $10 Million  

B2B   B2C  

Invstr

Invstr is a fintech app empowering investors to invest with commission-free investing and banking.

London   11 to 50   $40 Million   $10 Million  

B2B   B2C   SAAS   MARKETPLACE  

Sprive

Sprive is a mobile app that helps UK homeowners become mortgage free, faster and save thousands of pounds

London   1 to 10   $290 Thousand   $280 Thousand  

Atomico  

B2C  

Lendable

Lendable provides debt financing to fintechs in emerging and frontier markets.

  1 to 10   $150 Million   $280 Million  

B2B   MARKETPLACE  

Rosecut

Rosecut is your financial planning partner and investment manager, that helps you achieve your long-term life goals.

London   1 to 10   $100 Thousand   $100 Thousand  

Entrepreneur First   QVentures   Pretiosum Ventures  

B2C   FREEMIUM   SAAS  

Fintern

Fintern is a lending startup looking to offer an AI-driven alternative to costly payday loans.

London   11 to 50   $55 Million  

Hambro Perks Ltd.  

B2B  

SESAMm

SESAMm is a fintech company that specializes in big data and artificial intelligence for investment.

Paris   51 to 100   $18 Million   $4.9 Million  

B2B   SAAS  

Rosecut

Rosecut is your financial planning partner and investment manager, that helps you achieve your long-term life goals.

London   1 to 10   $100 Thousand   $100 Thousand  

Entrepreneur First   QVentures   Pretiosum Ventures  

B2C   FREEMIUM   SAAS  

Currensea

Currensea is a multi-currency debit card provider that links with their existing bank account allowing money transfers internationally.

London   11 to 50   $11 Million   $1.2 Million  

Blackfinch Ventures  

B2B   B2C  

Peculium

saieve.io is a transparent crypto savings and investment platform

Paris   11 to 50   $18 Million   $1 Million  

B2B   B2C   MARKETPLACE  

Pynk

Pynk is where everyday people invest better together.

London   11 to 50   $2.5 Million   $2.1 Million  

B2C  

Finizens

Wealth management firm offering a 100% digital robo-advisor investment service through globally diversified, low-cost index fund portfolios.

Madrid   11 to 50   $9 Million   $3.7 Million  

B2B   SAAS  

Pynk

Pynk is where everyday people invest better together.

London   11 to 50   $2.5 Million   $2.1 Million  

B2C  

T8

T8 is a wealth management platform that enables the management of investment, finance and payments.

London   11 to 50   $0   $4 Million  

Cooler Future

Cooler Future is a fintech startup developing transparent and effective impact investment solutions for the climate-conscious generation.

Helsinki   11 to 50   $1.6 Million   $1.6 Million  

Lifeline Ventures   Nordic Makers  

B2B  

Cooler Future

Cooler Future is a fintech startup developing transparent and effective impact investment solutions for the climate-conscious generation.

Helsinki   11 to 50   $1.6 Million   $1.6 Million  

Lifeline Ventures   Nordic Makers  

B2B  

Aikido Finance

Aikido Finance gives retail investors access to quantitative investment strategies.

Dublin   1 to 10   $1 Million   $1.1 Million  

B2C   FREEMIUM   SAAS  

Aikido Finance

Aikido Finance gives retail investors access to quantitative investment strategies.

Dublin   1 to 10   $1 Million   $1.1 Million  

B2C   FREEMIUM   SAAS  

Arbor Fintech

Arbor is a 360 degree financial wellness platform helping users to save, invest and cut debt through

Madrid   11 to 50   $3.7 Million   $3.3 Million  

B2B   SAAS  

Arbor Fintech

Arbor is a 360 degree financial wellness platform helping users to save, invest and cut debt through

Madrid   11 to 50   $3.7 Million   $3.3 Million  

B2B   SAAS  

Bite Investments

Bite is a global FinTech company that provides software-as-a-service to asset managers and enhances connectivity to investors.

London   51 to 100   $19 Million  

B2B  

WealthOS

Enterprise, cloud native core wealth management SaaS. Launch and run superior digital wealth management propositions faster & cheaper.

London   1 to 10   $800 Thousand   $800 Thousand  

B2B   SAAS  

Wealthyhood

Wealthyhood is an online trading application that provides stock market services.

London   11 to 50   $1 Million   $340 Thousand  

B2C   SAAS  

Wealthyhood

Wealthyhood is an online trading application that provides stock market services.

London   11 to 50   $1 Million   $340 Thousand  

B2C   SAAS  

PF Nexus

Renewable energy & infrastructure deal origination platform

London   1 to 10   $700 Thousand  

Charlotte Street Capital  

B2B   MARKETPLACE  

New Native

Creating the number one place to build AI solutions and companies

Stockholm   11 to 50   $320 Thousand   $320 Thousand  

B2B   SAAS  

beatvest

An investment platform supporting do-it-yourself portfolio building with education and tools

Munich   1 to 10   $0  

APX  

B2C  

Delio

Delio is a white label technology offering that enables wealth management firms, private banks and other financial institutions.

Cardiff   51 to 100   $12 Million   $2.5 Million  

Octopus Ventures   Plug and Play Spain  

B2B   SAAS  

Elinvar

Elinvar enables asset and wealth managers to digitalize their business models by providing the required Platform as a Service.

Berlin   51 to 100   $30 Million  

finleap   Goldman Sachs  

B2B   SAAS  

Ginmon

Ginmon provides automated wealth management to customers in Germany and Continental Europe

Frankfurt   11 to 50   $0   $6.8 Million  

Passion Capital  

B2B   B2C  

Ignium

Ignium is a financial firm that provides funding, capital marketing, investment, and digital security solutions.

Tallinn   1 to 10   $0   $1.1 Million  

B2B   SAAS   MARKETPLACE  

Easypol

Digital solution for fines and taxes payment and for personal financial management

Rome   11 to 50   $3.1 Million   $600 Thousand  

CDP Venture Capital Sgr  

B2C   FREEMIUM   MARKETPLACE  

Micappital

Micappital automated savings and investments manager in Spain

Madrid   1 to 10   $1.1 Million   $830 Thousand  

B2B  

Earthbanc

The world's most advanced data driven carbon and finance marketplace. Venture backed by the European Space Agency incubator.

Stockholm   1 to 10   $3 Million  

B2B  

Alwy

Alwy provides banking, financial, and data analytics services.

Stockholm   1 to 10   $0   $560 Thousand  

B2C   SAAS  

bonify

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

Berlin   11 to 50   $5.8 Million  

Mosaic Ventures   Ribbit Capital   DN Capital   Mouro Capital  

B2B   SAAS  

Investify

Pakistan's top app to track PSX stocks, manage portfolio in real-time & follow latest business & financial news

  1 to 10   $0   $5.9 Million  

B2B   SAAS  

More Growth

Big questions need wise answers. We help millions make crucial life choices.

Warsaw   11 to 50   $5 Million   $5 Million  

Inovo Venture Partners   Market One Capital  

B2C   MARKETPLACE  

EcoTree

EcoTree is a company specializing in sustainable development whose purpose is to reward ecological awareness.

Brest   51 to 100   $18 Million   $3.3 Million  

B2B   MARKETPLACE  

Plenti

We help Australians bring their big ideas to life with faster, fairer loans powered by smart technology.

Sydney   101 to 250   $28 Million   $170 Thousand  

AIP Seed  

B2C   MARKETPLACE  

Ecoligo

Ecoligo is an impact investment provider, implementing solar energy solutions that generate economic and environmental returns.

Berlin   11 to 50   $14 Million   $2.8 Million  

B2B  

Alpian

Alpian combines banking services, personal wealth management, and tailored investment products all in one app.

  11 to 50   $51 Million  

B2B  

InvestSuite

InvestSuite is a global fintech providing automated investment solutions to financial institutions of all sizes.

  11 to 50   $17 Million   $2.2 Million  

PMV  

B2B   SAAS  

ikigai

The Entrepreneurship Acceleration Program by MPS Foundation

    $0   $2.5 Million  

B2B   B2C  

Oceanium

Oceanium develops innovative, all-natural food and nutraceutical products and sustainable materials from sustainably-sourced seaweed.

  11 to 50   $7.5 Million   $2.8 Million  

B2B   B2C  

GNE Finance

GNE Finance: High Impact Investments

Barcelona   11 to 50   $0  

B2B  

Vitamin

Vitamin is a startup which set out to enable a strong financial future for all women.

Berlin   11 to 50   $3.3 Million   $2 Million  

Cavalry Ventures Management  

B2B   B2C  

Ride Capital

Digital wealth management for the next 9%

Berlin   11 to 50   $5.9 Million   $1.1 Million  

Social Starts  

B2C   MARKETPLACE  

FinMarie

FinMarie is Europe's first financial platform by and for women.

Berlin   11 to 50   $1.6 Million   $1.6 Million  

High-Tech Gründerfonds  

B2C  

Growney

Growney offers a simple, cost-efficient and high-yield online investment service.

Berlin   1 to 10   $0   $3.4 Million  

B2B   B2C  

OptioPay

OptioPay is an open banking technology provider for customer-centric and value-add solutions based on bank account data.

Berlin   51 to 100   $26 Million  

DvH Ventures  

B2B   SAAS  

Mon petit placement

exclusive access for everyone to the best investment products from world class asset managers

Lyon   11 to 50   $7.6 Million   $1.7 Million  

B2B   B2C   MARKETPLACE  

Reckon

Reckon is a software company that provides accounting software for accountants, bookkeepers, small/medium businesses, and personal users.

Sydney   251 to 500   $17 Million   $1.8 Million  

Bright Pixel   Portugal Ventures   Armilar Venture Partners   WISENEXT  

B2B   SAAS  

Klim

Klim mission is to scale up regenerative agriculture to make agriculture part of the climate solution

Berlin   11 to 50   $6.5 Million  

Blue Impact Ventures   Food Labs  

B2B  

SageWealth

SageWealth focuses on sustainability, including growth-focused equity-based and safety-focused bond and commodity-based options.

Berlin   1 to 10   $530 Thousand   $510 Thousand  

B2B   SAAS   MARKETPLACE  

FoodHack

HackCapital is a group of climatetech focused investors looking to back impact driven founders that move the needle towards a better future.

Lausanne   1 to 10   $1 Million   $1 Million  

EQT Ventures   Food Labs  

B2B   SAAS   MARKETPLACE  

inRento

InRento is EU's first licensed buy-to-let investment platform, where investor can earn rent and capital gains from €500

Vilnius   1 to 10   $1.4 Million   $150 Thousand  

Startup Wise Guys  

B2B  

Monkee

Monkee combines Personal Finance and Loyalty to help users save and retailers to connect with consumers in a relevant way.

Innsbruck   11 to 50   $3.2 Million  

Startup Wise Guys  

B2C   FREEMIUM  

Livetopic

Livetopic is a online financial advisor that performs a detailed and independent analysis of your financial situation.

Pontevedra   1 to 10   $910 Thousand   $190 Thousand  

B2B   SAAS  

Enzo

Enzo is a financial technology company that caters to spending and wealth optimization platforms.

  1 to 10   $3 Million  

B2C  

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