Top 10 Fintech Companies in Berlin to Watch in 2025

• Explore Berlin’s leading fintech companies and their innovative products & services.

• Pioneers such as N26, Solarisbank, Finleap, Trade Republic and more are revolutionizing banking & finance.

• Fintechs in emerging markets are empowering digital payments to bridge the gap for financial inclusion worldwide.

Exploring Berlin's Fintech Innovation Landscape

As a hotbed for tech startups, Berlin has attracted some of the biggest fintech companies in the world. In 2022, the top fintech players in the city raised a staggering 1.3 billion euros in funding, showcasing the industry’s rapid growth and potential. Some of the top fintech companies in Berlin include:

• N26: a digital bank that offers mobile banking services

• Solarisbank: a banking-as-a-service platform that enables businesses to offer their own financial products and services

• Raisin: a platform that allows users to compare and invest in savings accounts across Europe

• Trade Republic: a mobile brokerage platform that allows users to trade stocks and ETFs

• Finleap: a fintech company builder that creates and scales innovative financial technology companies

These innovative financial institutions are leveraging cutting-edge technology and data analysis to disrupt traditional banking services and create a new era of financial products and services.

One particularly noteworthy example is N26, a digital bank that has revolutionized the way we manage our finances with its mobile banking app. Solarisbank, another major player, offers a comprehensive banking platform that enables fintech companies to provide banking services without building their infrastructure. Meanwhile, Finleap, a fintech accelerator and incubator, supports startups by providing resources and guidance to help them launch and grow their businesses in the fintech space.

N26: Revolutionizing Mobile Banking

N26, one of Berlin’s biggest fintech companies, is changing the face of mobile banking with its user-friendly app. Offering:

• 24/7 banking

• Money management tools

• Real-time balance tracking

• Fee-free foreign currency transactions

N26 makes managing your finances a breeze. The app’s real-time spending notifications provide instant updates on account activity, giving users complete control and transparency over their finances.

The app also offers no-fee ATM withdrawals and a handy in-app budgeting tool named N26 Insights, making it simpler than ever to monitor and manage your budget with N26’s innovative approach to mobile bank accounts. Mobile banking is becoming more accessible and user-friendly for people worldwide.

Solarisbank: The Backbone for Fintech Services

Solarisbank, a Berlin-based fintech company, is a leading banking-as-a-service platform in Europe, providing API-accessible financial tech products tailored to the dynamic banking market. By offering a core banking platform, digital banking services for businesses, and an embedded finance platform, Solarisbank enables fintech companies to offer their customers banking services without building their infrastructure.

This innovative approach allows fintech companies to access Solarisbank’s modules in areas such as:

• e-money

• instant credit

• lending

• digital banking

This provides a comprehensive and streamlined solution. Consequently, Solarisbank has made a name for itself as a foundation for fintech services in Berlin and beyond, aiding companies in offering excellent financial products and services to their clients.

Finleap: Catalyzing Fintech Ventures

Finleap, a Berlin-based fintech accelerator and incubator, is dedicated to helping startups launch and grow their businesses in the fintech space. Founded in 2014, Finleap’s company builder model is distinguished by its active oversight of the growth, obstacles, and changes occurring in its ventures, ensuring startups receive the necessary resources and expertise to develop sustainable and technology-driven businesses.

With an extensive background in the financial services industry, Finleap’s founders, Ramin Niroumand and Hitfox Group, bring invaluable experience and knowledge to the table. Providing guidance, resources, and support, Finleap has risen to be one of the prominent fintech companies in Berlin, contributing to the growth and success of many fintech ventures.

Berlin's Top Fintech Innovators to Watch

Berlin’s fintech scene is brimming with talent, and several innovative companies are making waves in their respective domains. Some of the top fintech innovators to watch in the city include:

• Trade Republic: Offering unique solutions in investing

• Billie: Providing invoice financing services

• OptioPay: Specializing in payment platforms

• Clark: Offering innovative insurance solutions

These companies are at the forefront of the fintech industry in Berlin and are worth keeping an eye on.

For example, some companies that are pushing the boundaries of fintech innovation include:

• Trade Republic, which is making investment more accessible with their mobile brokerage app

• Billie, which is making invoice financing easier for small and medium-sized businesses

• OptioPay, which is enhancing payment platforms with rewards

• Clark, which is disrupting the insurance market with its digital insurance brokerage platform

These financial services company pioneers, operating as publicly traded companies, are paving the way for a brighter financial future.

Trade Republic: Democratizing Investment

Trade Republic, a Berlin-based fintech company, aims to provide access and affordability to investment opportunities for the average individual. Their mobile brokerage app offers commission-free trading and a user-friendly platform, making investing more accessible and affordable for the masses.

With unique features such as earning interest on cash balances, setting up automated savings plans, and investing with trending topics, Trade Republic’s app is revolutionizing the way people invest. Trade Republic is leveling the financial field and empowering individuals to take control of their financial future by simplifying the investment process and making it accessible to a broader audience.

Billie: Simplifying Invoice Financing for SMEs

Billie, a digital lending platform, focuses on addressing the SME financing gap through technology. Their invoice financing platform combines two core products: Flow, a financing option for the online checkout process, and Boost, which handles outgoing invoices for SMEs. By offering an automated invoice financing solution designed for small businesses, Billie is simplifying the financing process and making it more accessible.

Leveraging technologies such as artificial intelligence and blockchain, Billie ensures the security of transactions and data. Their platform has already had a substantial effect on SMEs, as shown by their €30 million Series B funding round. By providing innovative solutions tailored to the needs of small businesses, Billie is changing the landscape of invoice financing.

OptioPay: Enhancing Payment Platforms with Rewards

OptioPay, a B2B2C open data platform and payment processing company, focuses on transforming customer engagement by utilizing bank transaction data as a data source. Their payment processing platform strategically employs rewards to enhance its service, offering tangible rewards to end customers in exchange for their bank account data.

OptioPay’s white-label loyalty platform allows companies to:

• Provide their customers with personalized rewards

• Create a more engaging and satisfying payment experience

• Improve the overall payment experience

• Strengthen ties between companies and their customers by incorporating rewards into the payment process.

Clark: Disrupting the Insurance Market

Clark’s digital insurance brokerage platform is transforming the insurance shopping process by helping customers find the best insurance products for their needs.

• Offering transparency

• Comprehensive coverage

• Centralized storage

• Freedom from legacy systems

Clark simplifies insurance shopping and makes it more accessible.

By providing clients with a reliable summary of their insurance situation and a comprehensive overview of their individual contracts and policies, Clark is disrupting the traditional insurance market in Berlin. Clark is establishing itself as an industry leader, offering innovative and customer-centric solutions, as more people turn to digital platforms for insurance needs.

Financial Technology Pioneers in Emerging Markets

Emerging markets are also seeing the emergence of fintech pioneers, with companies concentrating on digital payments and financial inclusion. In these markets, fintech companies are bridging the gap for financial inclusion by providing innovative solutions to reach underserved populations and promote economic growth.

Companies like:

• Revolut

• Monzo

• Starling

• Kuda

• Niyo

are leading the way in emerging markets, empowering digital payments and improving financial services accessibility for millions of people worldwide. These companies are playing a significant role in shaping the global financial landscape and fueling economic growth in emerging markets by utilizing fintech innovations.

Empowering Digital Payments in Global Financial Markets

Digital payments are becoming increasingly influential in global financial markets, as they:

• Allow users to make secure and convenient transactions

• Cut transaction costs

• Provide more convenience and transparency

• Customize services to individual needs

• Help make financial services accessible to the unbanked population

• Integrate assistive technologies to create more inclusive products

Companies like Airwallex and Plug and Play are finding success in the digital payment services space in emerging markets, demonstrating the potential for fintech to empower digital payments and transform the financial services industry. As digital payments continue to gain traction, the global and financial services landscape will undoubtedly evolve, with fintech companies playing a key role in driving this change.

Bridging the Gap for Financial Inclusion

Financial inclusion involves making financial services available to underserved populations, such as those living in poverty or remote areas. Fintech companies are playing a significant role in bridging the gap for financial inclusion by offering cutting-edge solutions to reach these populations and advance economic growth.

M-Pesa in Kenya, Ecocash in Zimbabwe, and E-wallet in South Africa are notable examples of fintech companies working to promote financial inclusion in developing countries. By leveraging technology and connectivity, these fintech companies are providing access to financial products and services to those who would otherwise be excluded, creating a more inclusive and prosperous global economy.

The future of finance is undoubtedly digital, and these innovative fintech companies berlin, are paving the way for a brighter and more inclusive financial landscape.