Fintech directory
Early-Stage Fintech Startups in Europe
Fintech covers the technology companies rebuilding how people and businesses move, borrow, invest and manage money. Europe is a strong base for the sector thanks to deep open banking regulation, single market passporting across the EU and EEA, and major financial hubs in cities such as London, Berlin, Amsterdam, Paris and Stockholm.
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Why fintech now
European consumers and businesses are shifting to digital-first money management at speed, and clear rules under PSD2 and open banking have opened bank data and payment rails to new entrants. That combination lets European fintech companies scale across many regulated markets from a single base, making the region a focal point for financial innovation.
How we choose these companies
A public directory of early-stage European fintech startups. We aim to list every company that fits, not a hand-picked few. Here is exactly what that means, and why:
- European: headquartered in Europe (EU, EEA, UK, Switzerland and nearby). We go by where a company is based, not just where it sells, because this is a map of the European ecosystem.
- Early-stage: founded in the last 5 years. That is where the new ideas and the most active part of the ecosystem are; established household-name scaleups are a different list.
- A real product company: builds a scalable technology product or platform. We leave out agencies, consultancies and local service businesses, which do not follow the same path.
- Independent: a standalone company, not a subsidiary or brand of a larger corporation.
- Active: currently operating, with a live website. We re-check regularly and remove companies that shut down, get acquired, or move out of scope.
We list only public information about what each company does. We deliberately do not track or show fundraising: who is raising, who is investing, or how much. This is a directory of companies, not a deal database.
Missing a company, or see something off? Suggest an addition or report an issue.
379 early-stage fintech startups in Europe
Founded in the last 5 years. A comprehensive list from public sources, not a hand-picked few.
Splint Invest
Zug, SwitzerlandAn investment platform offering retail users fractional ownership of alternative assets and luxury goods.
Defactor
Dublin, IrelandA decentralized finance platform bridging real-world assets and traditional businesses with Web3 liquidity.
Pona
Paris, FranceBilling and financial management platform tailored specifically for law firms.
Qodeup
Brescia, ItalySmart QR code payment system designed for restaurants and hospitality venues.
Faire.ai
Milan, ItalyAn open banking platform that leverages AI to estimate consumer creditworthiness and streamline loan approvals.
Safe
Zug, SwitzerlandSmart account infrastructure for building secure decentralized custody solutions.
Lopay
London, United KingdomMobile payments app and point-of-sale system that lets small businesses accept card and tap-to-pay payments with instant settlement.
Wealthyhood
Athens, GreeceA wealthtech platform offering DIY wealth-building and smart investing tools for retail investors.
Zymego
Gothenburg, SwedenZymego automates the filling of canceled appointments and processes late-cancellation fees for healthcare providers.
Particula
Ruggell, LiechtensteinA rating and data platform for tokenized real-world assets, including real estate and environmental commodities.
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