About FinTech sector in Germany
The FinTech sector in Germany comprises 5.02K companies, including 941 funded companies having collectively raised $18.1B in venture capital money and private equity. Out of these, 562 are Series A+ funded, and 7 have achieved unicorn status.
FinTech sector in Germany has seen 242 acquisitions and 188 IPOs. This represents almost 8.6% of all such companies - which is higher than the 3.8% exit rate of tech companies in general.
This sector includes companies providing tech-enabled financial services and IT infrastructure and software for offering and managing financial services.
FinTech sector is also known as BFSI Tech.
Companies providing tech solutions to provide financial services like lending, banking, fundraising, insurance, etc are included in this sector. Companies offering traditional financial services like Banks, NBFCs, Insurance Carriers, etc are excluded.
Top FinTech Companies in Germany
There are 5,018 FinTech startups in Germany which include N26, Trade Republic, Scalable Capital, Moonfare, IDnow. Out of these, 941 startups are funded, with 562 having secured Series A+ funding, and 7 achieving unicorn status.
2026 has seen the creation of 97 FinTech startups in Germany. Over the past 10 years, an average of 193 new companies have been launched annually. Notably, several of these startups have been founded by alumni of Technical University of Munich, London School of Economics and Political Science and Frankfurt School of Finance & Management.
Here is the list of top FinTech startups in Germany
1. N26
Provider of mobile banking services, including savings, investment, and crypto. It offers various account options with different features and associated costs. These services include tools for managing finances, such as joint accounts, digital wallets, and options for adding funds. The company facilitates stock and ETF trading, along with the buying and selling of crypto assets.
Key facts about N26
- Founded Year: 2013
- Location: Berlin (Germany)
- Stage: Series E
- Total Funding till date: $1.72B
- Investors: Valar Ventures, Allianz X and 52 Others
- Latest Funding Round: Series E, Oct 18, 2021, $*****
- Tracxn Score: 79/100 What is this?
- Competitors Rank: 3 of 84 Competitors
Broker-based multi asset trading and investment platform. It is a German online broker and bank offering a range of financial services, including investing, spending, and banking. Its platform allows users to start invest and features a subscription-free card for spending and earning rewards. It allows users to buy, sell & trade stocks, ETFs and cryptos and more through multiple trading platforms. Provides trading tools, economic calendar, market analysis, market news, Islamic account and more to assist brokers. The app is available for Android and iOS platforms.
Key facts about Trade Republic
- Founded Year: 2015
- Location: Berlin (Germany)
- Stage: Series C
- Total Funding till date: $1.25B
- Investors: Founders Fund, Creandum and 26 Others
- Latest Funding Round: Series C, Jun 03, 2022, $*****
- Tracxn Score: 79/100 What is this?
- Competitors Rank: 1 of 9 Competitors
Provider of a digital investment and brokerage platform. It enables users to trade financial instruments such as stocks, ETFs, and crypto, as well as access managed investment portfolios and savings accounts with variable interest rates. It integrates banking and investment features into a unified interface, supporting automated portfolio management, recurring investment plans, and cash management solutions. It leverages financial technology infrastructure to provide real-time trading, account management, and personalized investment options while emphasizing accessibility, low-cost investing, and automated wealth-building tools for individual users and families.
Key facts about Scalable Capital
- Founded Year: 2014
- Location: Munich (Germany)
- Stage: Series F
- Total Funding till date: $550M
- Investors: HV Capital, BlackRock and 14 Others
- Latest Funding Round: Series F, Jun 03, 2025, $*****
- Tracxn Score: 78/100 What is this?
- Competitors Rank: 4 of 186 Competitors
4. Moonfare
Online investment platform for private equity funds. It provides a platform for individuals and advisors to invest in private equity funds. It offers investors a technology-enabled platform to build and invest in a portfolio of private equity funds. It also provides liquidity solutions for secondary markets.
Key facts about Moonfare
- Founded Year: 2016
- Location: Berlin (Germany)
- Stage: Series C
- Total Funding till date: $185M
- Investors: 7GC, Vitruvian Partners and 14 Others
- Latest Funding Round: Series C, Feb 09, 2023, $*****
- Tracxn Score: 76/100 What is this?
- Competitors Rank: 1 of 282 Competitors
5. IDnow
Provider of automated and expert-led identity verification and digital trust services. They offer solutions for secure customer onboarding, fraud prevention, and compliance with regulations. The company’s offerings include automated identity verification, expert-led video verification, and in-person verification options. Trust services facilitate digital signatures, time stamps, and electronic seals.
Key facts about IDnow
- Founded Year: 2010
- Location: Munich (Germany)
- Stage: Acquired
- Total Funding till date: $40M
- Investors: Seventure Partners, BayBG Venture Capital and 40 Others
- Latest Funding Round: Conventional Debt, Aug 03, 2022, $*****
- Tracxn Score: 75/100 What is this?
- Competitors Rank: 7 of 1,578 Competitors
Companies founded year-on-year in the FinTech sector in Germany
97 new startups have been founded so far in 2026 in the FinTech sector in Germany. 292 FinTech startups in Germany were founded in 2021 - this is the most number of startups founded in any year in the last 10 years.
- Total Number of Companies
Year | No. of companies |
|---|---|
2026 | 97 |
2025 | 89 |
2024 | 114 |
2023 | 140 |
2022 | 207 |
2021 | 292 |
2020 | 243 |
2019 | 241 |
2018 | 286 |
2017 | 223 |
Stage-wise distribution of FinTech sector companies in Germany
Out of the total 5,018 FinTech companies in Germany, 941 have secured funding. Among them, 562 have reached Series A or higher, and 493 to Series B or beyond.
Founded - 5,018
Funded - 941
Series A+ - 562
Series B+ - 493
Series C+ - 465
Company Stage | No. of companies |
|---|---|
Founded | 5,018 |
Funded | 941 |
Series A+ | 562 |
Series B+ | 493 |
Series C+ | 465 |
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Funding Trends in the FinTech sector in Germany
Total funding year-on-year in the FinTech sector in Germany
The FinTech sector in Germany saw a total funding of more than $16.8B in the last 10 years. The most amount of funding was in 2021 at more than $4.81B. There has been a total funding of $354M in 2026 till date.
- Total Funding
Year | Total Funding |
|---|---|
2026 | $354M |
2025 | $2.15B |
2024 | $784M |
2023 | $1.07B |
2022 | $2.63B |
2021 | $4.81B |
2020 | $1.26B |
2019 | $2.1B |
2018 | $985M |
2017 | $612M |
Recent Funding Rounds in FinTech in Germany
In the year 2026, till October 2026, FinTech companies in Germany have raised $311M in equity funding across 18 rounds.
In the same period last year (i.e. till October 2025), FinTech companies in Germany had raised $684M across 40 rounds.
So, 2026 has seen a 54.53% drop in funding in FinTech companies in Germany as compared to 2025.
Here are some recent, important funding rounds in FinTech companies in Germany:
Company | Round Raised | Amount Raised | Funding Date | Investors |
|---|---|---|---|---|
Series A | 7127 | Oct 06, 2026 | ||
Series A | 2915 | Oct 06, 2026 | ||
Series A | 1711 | Sep 16, 2026 | ||
Seed | 8691 | Sep 09, 2026 | ||
Series C | 1725 | Aug 05, 2026 |
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Top Investors in FinTech in Germany
Plug and Play Tech Center is the top investor in FinTech companies in Germany based on number of companies invested.
Here are some top investors in FinTech companies in Germany:
Investor | Location | Top Portfolio Companies |
|---|---|---|
Sunnyvale (United States) | ||
Menlo Park (United States) | ||
Berlin (Germany) | ||
Cambridge (United States) | ||
Vienna (Austria) |
M&A activity in FinTech sector in Germany
In the year 2026, till October 2026, 14 acquisitions happened in FinTech sector in Germany. Last year, in 2025, a total of 25 acquisitions happened in FinTech sector in Germany.
Here are some recent, important acquisitions in FinTech sector in Germany:
Company | Acquisition Type | Acquisition Date | Acquirers |
|---|---|---|---|
Business Acquisition | Oct 06, 2026 | ||
Business Acquisition | Sep 14, 2026 | ||
Business Acquisition | Aug 14, 2026 | ||
Business Acquisition | Jul 28, 2026 | ||
Business Acquisition | Jul 19, 2026 | - |
Acquisition trends in FinTech sector in Germany
Here are the acquisition trends in FinTech sector in Germany:
- Total Number of Acquisitions
Year | No. of companies |
|---|---|
2026 | 14 |
2025 | 25 |
2024 | 22 |
2023 | 24 |
2022 | 34 |
2021 | 32 |
2020 | 22 |
2019 | 20 |
2018 | 9 |
2017 | 15 |
IPOs in FinTech in Germany
In the year 2022, till September 2022, 2 IPOs happened in FinTech sector in Germany.
Here are some recent, important IPOs in FinTech sector in Germany:
Company | IPO Date | Exchange Symbol |
|---|---|---|
Sep 02, 2022 | Frankfurt Stock Exchange (FRA) | |
May 03, 2022 | Frankfurt Stock Exchange (FRA) | |
Nov 01, 2021 | Canadian Securities Exchange (CSE) | |
May 19, 2021 | Frankfurt Stock Exchange (FRA) | |
Oct 26, 2020 | Frankfurt Stock Exchange (FRA) |
Colleges which produce the most FinTech companies in Germany
Companies founded by alumni from top colleges in the FinTech in Germany
Most number of FinTech startups in Germany have been founded by alumni from Technical University of Munich, London School of Economics and Political Science and Frankfurt School of Finance & Management.
College | No. of companies |
|---|---|
Technical University of Munich | 32 |
London School of Economics and Political Science | 15 |
Frankfurt School of Finance & Management | 9 |
Harvard University | 9 |
University of Oxford | 9 |
HEC Paris | 8 |
Harvard Business School | 8 |
Technische Universität Berlin | 8 |
WHU – Otto Beisheim School of Management | 8 |
Imperial College London | 7 |
Total funding in FinTech companies founded by alumni from top colleges in Germany
In the last 10 years, Frankfurt School of Finance & Management graduates' FinTech companies in Germany have raised the most funding among top colleges. Carnegie Mellon University alumni are second, and London School of Economics and Political Science alumni are third.
College | Total Funding |
|---|---|
Frankfurt School of Finance & Management | $1.05B |
Carnegie Mellon University | $720M |
London School of Economics and Political Science | $655M |
Technical University of Munich | $479M |
King’s College London | $351M |
Harvard University | $263M |
INSEAD | $252M |
Harvard Business School | $252M |
HEC Paris | $235M |
Stanford University | $171M |
Top News in FinTech in Germany
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EQS Group Launches Q by EQS, an AI-Powered Intelligence Layer for Compliance WorkflowsPR Newswire•Oct 28, 2026•Eqs
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Janus Henderson Tokenizes $30B Fund to Expand Investor AccessCryptonews•Oct 26, 2026•Janus Henderson Investors, Centrifuge, Nasdaq, Stellar
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EQS Group receives validation of its climate targets by the Science Based Targets initiativePR Newswire•Oct 26, 2026•Eqs
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ING, NinjaTrader, iBroker, and Trade Republic Lead Rankia Best Brokers Awards 2026Europa Press•Oct 15, 2026•NinjaTrader, Trade Republic, ING, IBroker
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Scalable Capital launches leveraged world ETF - ETF ExpressETF Express•Aug 06, 2026•Scalable Capital
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