Fintech startups in Berlin

Valentin Stalf & Maximilian Tayenthal

Founded 2013 (as Papayer, incubated by Rocket Internet), N26 is Berlin's anchor neobank and Europe's most prominent mobile bank, with a full German banking license. It broke even and hit its first profitable...

Tamaz Georgadze, Frank Freund & Michael Stephan

Founded 2012 (formerly WeltSparen), Raisin runs Europe's leading savings & deposits marketplace plus ETF portfolios, providing open-banking infrastructure for the deposit market across 10 markets. Surpassed ...

Andreas Bittner & Marko Wenthin

Founded 2015, Solaris SE (renamed from solarisBank Nov 2022) is Europe's pioneering Banking-as-a-Service platform, providing licensed banking, cards and lending infrastructure to partners from Samsung to Viv...

Mobile neobroker (founded 2015) offering commission-free stock, ETF, crypto and savings products; a decacorn-tier fintech and Berlin's flagship consumer-finance startup, now expanding into full banking (IBAN...

Julian Teicke, Fabian Wesemann & Dario Fazlic

Founded 2015 and HQ'd in Berlin, wefox is a digital insurance broker/platform that reached a $4.5B valuation (2022) as one of Europe's largest insurtech unicorns. After a major 2024 restructuring it raised €...

Matthias Knecht & Christian Grobe

Founded 2016 by the ex-Zencap founders, Billie is Europe's leading B2B Buy-Now-Pay-Later platform, embedding invoice-payment/checkout financing for business buyers. Raised $100M Series C led by Dawn Capital ...

Alexander Emeshev & Artem Yamanov

Founded 2019, Vivid is a financial super-app that raised €100M Series C (led by Greenoaks, with SoftBank Vision Fund 2 & Ribbit) at a €775M valuation. In 2024–25 it pivoted from retail to SME business bankin...

Christian Macht (founding CEO)

Founded 2016, ELEMENT is a Berlin white-label / B2B2X insurtech providing licensed digital insurance products embedded by 50+ partners (including three DAX 40 firms), serving 200k+ customers. Raised ~€50M in...

Max Schertel & Alexander Talkanitsa

Founded 2021 by ex-N26 executives, finmid provides embedded-lending infrastructure so B2B platforms and marketplaces can offer SMB financing via a single API. Exited stealth in April 2024 with €35M (led by B...

Ferdinand Dabitz, Peter Lieck, Joshua Becker & Simon Wimmer

Founded 2021, Ivy is an open-banking / account-to-account instant payments API that lets merchants bypass card-network fees. Raised a $20M Series A (led by Valar Ventures, with Creandum & 10x Founders) at an...

Justus Schmüser & Sasha Makarovych

Founded 2021, Kadmos runs an end-to-end salary-payment platform for global migrant workers, with a focus on seafarers in the maritime industry (cutting remittance costs). Raised a $29.5M Series A led by Blos...

Christopher Plantener

Founded 2016, Kontist is a neobank purpose-built for freelancers and the self-employed, bundling a business account, debit card, automated tax estimation and bookkeeping/tax-advisory services. Backed by Barc...

Malte Huffmann, Philipp Povel & Gil Danziger

Founded 2021, Mondu is a B2B Buy-Now-Pay-Later / payments platform providing flexible payment terms and invoice financing for online and offline business commerce. Secured €30M in fresh equity in Jan 2024 to...

Ante Spittler, Max Meyer, Stephan Haslebacher & Anton Rummel

Founded 2019, Moss is a spend-management platform combining corporate cards, invoice management and accounting automation for SMEs and mid-market companies. Raised >€180M total (backers include Tiger Global,...

Orkhan Abdullayev, Emre Talay & Nicolas Thouzeau

Founded 2021 by ex-Delivery Hero payments leaders, Payrails is a full-stack payment operating system (orchestration, ledger, analytics) for global enterprises like Puma, Vinted, inDrive and Careem. Raised a ...

Lav Odorovic, Igor Kuschnir, Luka Ivicevic & Jan Enno Einfeld

Founded 2016, Penta is a digital business-banking platform for SMEs and startups (accounts, cards, expense tools). Merged into the Qonto group after acquisition, consolidating Franco-German SME neobanking. H...

Malte Rau & Fabian Terner

Founded 2020, Pliant offers embeddable corporate credit-card and card-issuing infrastructure across 25+ European countries (physical/virtual cards, expense management, API). Added €8M to its Series A plus a ...

Robin von Hein & Joachim von Bonin

Founded 2012, simplesurance is a cross-selling / embedded-insurance platform enabling point-of-sale insurance at online checkouts across Europe and Asia. Raised a $24M Series C (Allianz X lead) plus a €15M A...

Levent Altunel & Maximilian Schmidt

Founded 2021, bunch builds end-to-end fund-administration and back-office infrastructure for private-markets investors (VC/PE fund setup, capital calls, LP onboarding). Raised a $15.5M Series A (July 2024) b...

Christian Rokitta

Founded 2020, getquin is a European wealth-tracking and portfolio-analytics platform (plus social investing community) that aggregates a user's holdings across brokers, asset classes and geographies. Raised ...

Climate-fintech platform connecting sustainable-energy product makers (solar, heat pumps, EV) with embedded financing. Raised ~€5M seed (Oct 2025). Sits at the climate × fintech intersection powering Germany...

Berlin blockchain-infrastructure veteran (founded 2015, prediction markets → open-finance / Gnosis Chain / Safe wallets), run as a DAO. Acquired onchain business-account platform HQ.xyz for ~$14.9M in 2025 t...

Banking-as-a-Service platform providing licensed embedded-finance rails (accounts, cards, lending) to other companies. Raised ~$146.7M (Feb 2025). Berlin drove ~89% of German fintech investment in 2024 and S...

Investment API / infrastructure letting fintechs and banks embed stock, ETF and crypto investing. Raised ~$104.6M (Dec 2024). Part of Berlin's dense embedded-finance stack alongside Solaris and Trade Republic.