# Top 50 Fintech Startups in Europe by Funding (2026)

> The 50 best-funded fintech startups in Europe, ranked by total funding raised: $30B combined. With founding year, headquarters and each company's rounds.

Source: https://millionrounds.com/top-lists/fintech-startups-europe (Millionrounds; every figure on the page links to its filing or article)

- 1 [**SumUp** SumUp is a leading global fintech company committed to levelling the playing field for small businesses.](https://millionrounds.com/company/sumup) SumUp is a leading global fintech company committed to levelling the playing field for small businesses. *Founded* 2012 London, Ireland **$1.7B** last round May 2025
- 2 [**Klarna**](https://millionrounds.com/company/klarna) *Founded* - Sweden **$1.6B** last round Jun 2022
- 3 [**Funding Circle** Funding Circle is a lending platform for small businesses.](https://millionrounds.com/company/funding-circle) Funding Circle is a lending platform for small businesses. *Founded* 2009 London, United Kingdom **$1.5B** last round Feb 2026
- 4 [**N26**](https://millionrounds.com/company/n26) *Founded* - Spain **$1.4B** last round Oct 2021
- 5 [**Revolut** Revolut is a financial technology company that offers banking services, money transfers, foreign exchange, and spending analytics.](https://millionrounds.com/company/revolut) Revolut is a financial technology company that offers banking services, money transfers, foreign exchange, and spending analytics. *Founded* 2015 London, United Kingdom **$1.3B** last round Oct 2026
- 6 [**Checkout.com** Checkout.com is a global provider of payment solutions that help businesses and communities thrive in the digital economy.](https://millionrounds.com/company/checkout-com) Checkout.com is a global provider of payment solutions that help businesses and communities thrive in the digital economy. *Founded* - London, United Kingdom **$1.2B** last round Jan 2025
- 7 [**iwoca** Iwoca offers credit financing services for small businesses.](https://millionrounds.com/company/iwoca) Iwoca offers credit financing services for small businesses. *Founded* 2011 West End, United Kingdom **$911M** last round Jul 2026
- 8 [**Atom Bank** Atom Bank plc is the United Kingdom’s first app-based, digital-only retail bank, founded in 2014 and launched in 2016.](https://millionrounds.com/company/atom-bank) Atom Bank plc is the United Kingdom’s first app-based, digital-only retail bank, founded in 2014 and launched in 2016. *Founded* 2014 Newcastle upon Tyne, United Kingdom **$818M** last round Mar 2026
- 9 [**Mynt**](https://millionrounds.com/company/mynt) *Founded* - Sweden **$811M** last round Apr 2025
- 10 [**Greensill Capital** Greensill Capital is a provider of structured working capital financing to businesses globally.](https://millionrounds.com/company/greensill-capital) Greensill Capital is a provider of structured working capital financing to businesses globally. *Founded* 2011 London, United Kingdom **$800M** last round May 2019
- 11 [**Perch Group** Perch Group is a credit and asset management company that offers debt purchase and debt collection services.](https://millionrounds.com/company/perch-group) Perch Group is a credit and asset management company that offers debt purchase and debt collection services. *Founded* 2018 Blackpool, United Kingdom **$789M** last round Jul 2025
- 12 [**Zopa**](https://millionrounds.com/company/zopa) *Founded* 2004 United Kingdom **$780M** last round Jul 2026
- 13 [**Alan** Alan is a prominent digital health partner based in France, recognized as the first new licensed health insurance company in the country since 1986.](https://millionrounds.com/company/alan) Alan is a prominent digital health partner based in France, recognized as the first new licensed health insurance company in the country since 1986. *Founded* 2016 Paris, France **$733M** last round Jun 2026
- 14 [**ID Finance** ID Finance is a data-driven financial technology company based in Barcelona, Spain.](https://millionrounds.com/company/id-finance) ID Finance is a data-driven financial technology company based in Barcelona, Spain. *Founded* 2015 Barcelona, Spain **$684M** last round Oct 2026
- 15 [**TransferWise**](https://millionrounds.com/company/transferwise) *Founded* 2010 United Kingdom **$662M** last round May 2019
- 16 [**Rapyd**](https://millionrounds.com/company/rapyd) *Founded* 2022 United Kingdom **$660M** last round Oct 2025
- 17 [**Starling Bank**](https://millionrounds.com/company/starling-bank) *Founded* 2014 United Kingdom **$655M** last round Jun 2026
- 18 [**Greensill**](https://millionrounds.com/company/greensill) *Founded* 2018 United Kingdom **$655M** last round Oct 2019
- 19 [**Capital on Tap** Capital on Tap is a fintech company that provides small businesses with credit cards and a spend management platform.](https://millionrounds.com/company/capital-on-tap) Capital on Tap is a fintech company that provides small businesses with credit cards and a spend management platform. *Founded* 2012 London, United Kingdom **$654M** last round Nov 2025
- 20 [**Ebury** Ebury is a global fintech providing international business accounts, multi-currency payments, FX hedging, trade finance, and business APIs to 25,000+ businesses](https://millionrounds.com/company/ebury) Ebury is a global fintech providing international business accounts, multi-currency payments, FX hedging, trade finance, and business APIs to 25,000+ businesses *Founded* 2009 London, United Kingdom **$570M** last round Nov 2019
- 21 [**OPay**](https://millionrounds.com/company/opay) *Founded* - Norway **$570M** last round Aug 2021
- 22 [**PremFina**](https://millionrounds.com/company/premfina) *Founded* 2010 United Kingdom **$536M** last round Jun 2025
- 23 [**Tempo** Tempo is a home fitness platform, combining equipment, training guidance, and social motivation with 3D sensors and artificial intelligence.](https://millionrounds.com/company/tempo) Tempo is a home fitness platform, combining equipment, training guidance, and social motivation with 3D sensors and artificial intelligence. *Founded* 2015 United Kingdom **$514M** last round Oct 2025
- 24 [**DivideBuy** DivideBuy offers Interest-Free Credit through our Retail Partners.](https://millionrounds.com/company/dividebuy) DivideBuy offers Interest-Free Credit through our Retail Partners. *Founded* 2014 Staffordshire Reef, United Kingdom **$494M** last round Sept 2021
- 25 [**Ledger** Ledger develops hardware wallets and digital asset management tools for cryptocurrency storage, transactions, and self-custody.](https://millionrounds.com/company/ledger) Ledger develops hardware wallets and digital asset management tools for cryptocurrency storage, transactions, and self-custody. *Founded* - Paris, France **$469M** last round Jun 2023
- 26 [**WorldRemit** WorldRemit is the online service that lets you send money to family and friends using our website or app.](https://millionrounds.com/company/worldremit) WorldRemit is the online service that lets you send money to family and friends using our website or app. *Founded* 2010 London, United Kingdom **$463M** last round Jan 2021
- 27 [**GoCardless** GoCardless helps 75,000+ businesses get paid on time.](https://millionrounds.com/company/gocardless) GoCardless helps 75,000+ businesses get paid on time. *Founded* 2011 London, United Kingdom **$442M** last round Aug 2026
- 28 [**OakNorth** From competitive savings to seamless business banking and flexible loans from £1m+, we help individuals and businesses grow while driving economic impact across.](https://millionrounds.com/company/oaknorth) From competitive savings to seamless business banking and flexible loans from £1m+, we help individuals and businesses grow while driving economic impact across. *Founded* 2013 United Kingdom **$440M** last round Feb 2019
- 29 [**Zepz** Zepz is a global digital cross-border payments platform that enables international money transfers.](https://millionrounds.com/company/zepz) Zepz is a global digital cross-border payments platform that enables international money transfers. *Founded* - London, United Kingdom **$432M** last round Apr 2025
- 30 [**Twinco Capital** Twinco Capital is a sustainable supply chain finance solution that specializes in purchase order financing for large corporates and their suppliers.](https://millionrounds.com/company/twinco-capital) Twinco Capital is a sustainable supply chain finance solution that specializes in purchase order financing for large corporates and their suppliers. *Founded* 2016 Alcobendas, Spain **$422M** last round Jun 2026
- 31 [**Stenn** Stenn International Ltd.](https://millionrounds.com/company/stenn) Stenn International Ltd. *Founded* 2015 London, United Kingdom **$400M** last round Feb 2023
- 32 [**Prodigy Finance** Get funding for a top-tier master degree - without worrying about collateral or a cosigner.](https://millionrounds.com/company/prodigy-finance) Get funding for a top-tier master degree - without worrying about collateral or a cosigner. *Founded* 2007 London, United Kingdom **$399M** last round Dec 2025
- 33 [**Smart Pension** Smart Pension is a FinTech company that specializes in retirement savings technology, offering simplified pension solutions for businesses.](https://millionrounds.com/company/smart-pension) Smart Pension is a FinTech company that specializes in retirement savings technology, offering simplified pension solutions for businesses. *Founded* 2014 London, United Kingdom **$399M** last round Aug 2025
- 34 [**Monzo**](https://millionrounds.com/company/monzo) *Founded* - United Kingdom **$394M** last round Nov 2026
- 35 [**iZettle** Zettle by PayPal is on a mission to help small businesses succeed in a world of giants.](https://millionrounds.com/company/izettle) Zettle by PayPal is on a mission to help small businesses succeed in a world of giants. *Founded* 2010 Stockholm, Sweden **$391M** last round Dec 2017
- 36 [**LendInvest** LendInvest is a property fintech company that offers buy-to-let mortgages, bridging loans, and development finance to its customers.](https://millionrounds.com/company/lendinvest) LendInvest is a property fintech company that offers buy-to-let mortgages, bridging loans, and development finance to its customers. *Founded* 2008 London, United Kingdom **$385M** last round Jul 2021
- 37 [**TrueLayer** TrueLayer is a leading open banking payments network based in London, founded in 2016.](https://millionrounds.com/company/truelayer) TrueLayer is a leading open banking payments network based in London, founded in 2016. *Founded* 2016 London, United Kingdom **$376M** last round Oct 2026
- 38 [**Sonovate** Sonovate is a fintech company based in Cardiff, Wales, that specializes in providing embedded finance, invoice funding, and back-office technology solutions for](https://millionrounds.com/company/sonovate) Sonovate is a fintech company based in Cardiff, Wales, that specializes in providing embedded finance, invoice funding, and back-office technology solutions for *Founded* 2013 Cardiff, United Kingdom **$350M** last round Jul 2022
- 39 [**Flatpay** Flatpay is a Danish fintech company founded in 2022, specializing in Point-of-Sale (POS) systems and payment processing solutions for small and medium-sized bus](https://millionrounds.com/company/flatpay) Flatpay is a Danish fintech company founded in 2022, specializing in Point-of-Sale (POS) systems and payment processing solutions for small and medium-sized bus *Founded* 2022 Herlev, Denmark **$336M** last round Sept 2026
- 40 [**Upvest** Upvest helps businesses build seamless investment experiences their customers love.](https://millionrounds.com/company/upvest) Upvest helps businesses build seamless investment experiences their customers love. *Founded* 2017 Berlin, Germany **$320M** last round Mar 2026
- 41 [**Updraft** Updraft is a lending, credit report, and financial planning app for millennials.](https://millionrounds.com/company/updraft) Updraft is a lending, credit report, and financial planning app for millennials. *Founded* 2017 Palatine, United Kingdom **$318M** last round Dec 2023
- 42 [**Juni** Juni is a licensed fintech company based in Gothenburg, Sweden, founded in 2020.](https://millionrounds.com/company/juni) Juni is a licensed fintech company based in Gothenburg, Sweden, founded in 2020. *Founded* 2020 Gothenburg, Sweden **$312M** last round Jun 2022
- 43 [**LiveMore Mortgages** LiveMore Mortgages is a financial services company that provides online mortgage lending services for older borrowers.](https://millionrounds.com/company/livemore-mortgages) LiveMore Mortgages is a financial services company that provides online mortgage lending services for older borrowers. *Founded* 2018 London, United Kingdom **$309M** last round Jan 2023
- 44 [**Darag**](https://millionrounds.com/company/darag) *Founded* - Malta **$304M** last round Jul 2018
- 45 [**Mambu**](https://millionrounds.com/company/mambu) *Founded* - Germany **$301M** last round Dec 2021
- 46 [**Rapyd Financial Network**](https://millionrounds.com/company/rapyd-financial-network) *Founded* - United Kingdom **$300M** last round Feb 2025
- 47 [**Lendix**](https://millionrounds.com/company/lendix) *Founded* - France **$291M** last round Jun 2018
- 48 [**Pennylane** Pennylane is a fintech startup that develops a financial operating system designed for small and medium-sized businesses.](https://millionrounds.com/company/pennylane) Pennylane is a fintech startup that develops a financial operating system designed for small and medium-sized businesses. *Founded* 2020 France **$286M** last round Jan 2026
- 49 [**Billie** Billie is a Berlin-based fintech company founded in 2016, specializing in Buy Now, Pay Later (BNPL) payment methods for the B2B market.](https://millionrounds.com/company/billie) Billie is a Berlin-based fintech company founded in 2016, specializing in Buy Now, Pay Later (BNPL) payment methods for the B2B market. *Founded* 2016 Berlin, Germany **$276M** last round Oct 2021
- 50 [**Flagstone** Flagstone Group Ltd is a UK-based financial technology company that specializes in cash deposit platforms.](https://millionrounds.com/company/flagstone) Flagstone Group Ltd is a UK-based financial technology company that specializes in cash deposit platforms. *Founded* 2013 London, United Kingdom **$271M** last round Jun 2024

**Total funding** how the list is ranked

**15 November 2026** updated nightly

**Rounds we track** source: Millionrounds

Companies whose funding rounds we classed as this sector, ranked by the total they have raised in rounds we hold. Nobody pays to be on a list.

## Who backed them?

Open any company for its rounds and investors, or search the investors who back fintech startups in Europe in the app, with filters, lists and exports.

[Find their investors](https://millionrounds.com/login?join=1&next=/app/investors)[All top lists](https://millionrounds.com/top-lists)

## More fintech lists

[See all](https://millionrounds.com/top-lists?t=Fintech)

[*AF* *R* *S* **Fintech startups worldwide** 3,200 companies · $94B](https://millionrounds.com/top-lists/fintech-startups)[*R* *S* *K* **Fintech startups in the United States** 1,301 companies · $55B](https://millionrounds.com/top-lists/fintech-startups-united-states)[*R* *K* *R* **Fintech startups that raised in 2026** 665 companies · $30B in 2026](https://millionrounds.com/top-lists/fintech-startups-raised-2026)[*FC* *R* *C* **Fintech startups in the United Kingdom** 342 companies · $23B](https://millionrounds.com/top-lists/fintech-startups-united-kingdom)[*R* *K* *R* **Fintech startups in the United States that raised in 2026** 257 companies · $22B in 2026](https://millionrounds.com/top-lists/fintech-startups-united-states-raised-2026)[*K* *P* *I* **Fintech startups in New York** 217 companies · $21B](https://millionrounds.com/top-lists/fintech-startups-new-york)[*S* *R* *A* **Fintech startups in Bay Area** 212 companies · $22B](https://millionrounds.com/top-lists/fintech-startups-bay-area)[*P* *T* *C* **Fintech startups founded in 2020** 179 companies · $12B](https://millionrounds.com/top-lists/fintech-startups-founded-2020)

## More lists for Europe

[See all](https://millionrounds.com/top-lists?r=Europe)

[*IL* *O* *NH* **Health startups in Europe** 3,025 companies · $29B](https://millionrounds.com/top-lists/health-startups-europe)[*IL* *NH* *CS* **Biotech startups in Europe** 1,665 companies · $22B](https://millionrounds.com/top-lists/biotech-startups-europe)[*MA* *N* *NG* **Big data startups in Europe** 964 companies · $31B](https://millionrounds.com/top-lists/big-data-startups-europe)[*V* *S* *CG* **Energy providers startups in Europe** 953 companies · $41B](https://millionrounds.com/top-lists/energy-providers-startups-europe)[*S* *EP* *S* **Climate tech startups in Europe** 756 companies · $25B](https://millionrounds.com/top-lists/climate-tech-startups-europe)[*A* *CI* *Y* **Customer service startups in Europe** 720 companies · $13B](https://millionrounds.com/top-lists/customer-service-startups-europe)[*N* *W* *T* **Transport startups in Europe** 697 companies · $28B](https://millionrounds.com/top-lists/transport-startups-europe)[*M* *OE* *B* **Marketing tech startups in Europe** 660 companies · $6.9B](https://millionrounds.com/top-lists/marketing-tech-startups-europe)