What are the future Fintech Unicorns to watch in Europe in 2025?

What are the future Fintech Unicorns to watch in Europe in 2025? - Portugal Business News

Tech News Europe – Here are the current and future Fintech Unicorns to watch in Europe in 2025, including Thoroughbreds, that are companies with an annual revenue of over USD 100 Million, according to Dealroom’s new report dated August 2025.

1 - Which country in Europe has the most Fintechs to watch in 2025?

Most Fintechs in the list of Thoroughbreds with an annual revenue of over USD 100 Million are from England with 10 out of 23, followed by the Netherlands with 5 fintechs to watch, and by Germany with 4 fintechs to watch. However, the No. 1 Fintech Unicorn to watch in 2025 is Bitpanda tht is Austria’s first Unicorn and one of the fastest growing fintechs in Europe. 

The list of 23 Fintechs to watch in Europe in 2025 is not a ranking.

2 - What are the current and future Fintech Unicorns to watch in Europe in 2025?

1 – Bitpanda, Vienna, Austria

Headquartered in Vienna, we’re proud to be Austria’s first Unicorn and one of the fastest growing fintechs in Europe. 

Our innovative technology serves over 5 million users and operates across multiple hub locations.

With Bitpanda, everyone has the freedom and flexibility to invest in what they believe in — commission-free stocks, cryptocurrencies or even precious metals — starting from as little as $1.

2 – Revolut – England

People deserve more from their money. More visibility, more control, and more freedom. Since 2015, Revolut has been on a mission to deliver just that. Our powerhouse of products help our 50+ million customers get more from their money every day.

3 – MEWS – Amsterdam, Netherlands

An innovative hospitality management cloud that empowers the modern hotelier to streamline operations, improve performance and maximize revenue. Mews supports over 12,500 customers in 85 countries to deliver remarkable guest experiences.

4 – alan – Paris, France

Alan is the health partner that insures, prevents, and supports daily.

Founded in 2016 and the first new health insurance player approved in France since 1986, Alan quickly became an essential health partner.

5 – Checkout.com – London, England

Checkout.com is a financial technology company that delivers a high-performance payments platform. Enterprise and scaling businesses use our cloud-based platform to process payments, send payouts, and manage card programs. Checkout.com is headquartered in London, with offices in New York, Paris, Dubai, Hong Kong, and other locations across six continents. Customers include global brands such as Sony, SHEIN, Wise, Patreon, and GE HealthCare.

6 – bunq – Amsterdam, Netherlands

We built our own financial system from the ground up, and with the launch of our app in 2015, reinvented banking as you know it. And that’s just the beginning! We work around the clock to create fintech innovations that simply make banking and money management as easy, transparent, and fun as possible.

7 – CHECK24 – Munich, Germany

 

CHECK24, the comparison portal on the Internet, is a young, up-and-coming company. We offer private customers free comparisons in insurance, energy, finance, telecommunications, travel and shopping. In this way, we create transparency that pays off directly for our customers through affordable tariffs and prices!

8 – Starling Bank – London, England

We built Britain’s first digital bank. One hard-won banking license later, we set about giving people a new way to spend, save and manage their money (and take better care of the planet, too). And now we're providing Starling to other banks, via a Software-as-a-Service (SaaS) proposition through our subsidiary Engine, using the proprietary technology platform that it uses to power our own bank.

9 – ayden – Amsterdam, Netherlands

Adyen (AMS: ADYEN) is the financial technology platform of choice for leading companies. By providing end-to-end payments capabilities, data-driven insights, and financial products in a single global solution, Adyen helps businesses achieve their ambitions faster. With offices around the world, Adyen works with the likes of Meta, Uber, H&M, eBay, and Microsoft.

10 – ION – London, England

We’re visionary innovators who are delivering mission-critical trading and workflow automation software to financial institutions, corporations, central banks, and governments. By combining our passion for automation with a strategic view on the industries we serve, we design solutions that improve decision-making, simplify complex processes, and empower people.

11 – GoCardless – London, England

Welcome to the new era of payments. Collect one-off, automated, or recurring payments – directly from your customer's bank account to yours. Putting an end to late payments, chasing customers, stress, and expensive fees. It's just cash, flowing from one account to another. Join 100,000 businesses of all sizes, worldwide, who trust us to power their payments.

12 – Wayflyer – Dublin, Ireland

Unlocking the full potential of brands worldwide with $5k-$20m of purpose-built working capital.

Today's consumer brands need a capital provider that keeps pace with their growth ambitions. Traditional financing options are slow, cumbersome, and often out of reach. That's why we built Wayflyer. Our unique technology can assess your growth potential to deliver tailored financing options in minutes, not months.

Since launching in April 2020, we've deployed over $5 billion to 5,000+ brands globally, backed by leading investors like QED, Left Lane Capital and DST Global.

13 – Marshmallow – London, England

We've since insured over 1 million people and are one of the fastest-growing companies in Europe doing over half a billion annual revenue.

14 – Monzo Bank – London, England

15 – Trade Republic – Berlin, Germany

We are Europe’s largest savings platform that enables people to easily save and invest. Founded in 2015 by Christian Hecker, Thomas Pischke, and Marco Cancellieri, today we reach over 340 million people in 17 European countries. Based on fundamental technological innovation, our product was built to democratize access to capital markets for all Europeans. We are a German financial institution with a license and are supervised by the Bundesbank and BaFin. Backed by global investors: Ontario Teachers Pension Plan, Sequoia, TCV, Thrive Capital, Accel, Founders Fund Creandum, Project A and sino AG.

16 – N26 – Berlin, Germany

Founded by Valentin Stalf and Maximilian Tayenthal in 2013, N26 has raised close to US$ 1.8 billion from some of the world’s most renowned investors.

N26 SE is Europe’s leading digital bank with a full German banking licence. Built on the latest technology, N26’s mobile banking experience makes managing money easier, more secure and customer friendly. N26 is headquartered in Berlin with offices in multiple cities across Europe, including Vienna and Barcelona, and a 1,500-strong team of more than 90 nationalities.

17 – Zopa Bank – London, England

In 2005, we built the first ever peer-to-peer (P2P) lending company, giving our customers access to loans built for real-life and intelligent investments backed by cutting-edge tech. In 2020, we launched Zopa Bank, meaning we could offer more – like fixed term savings backed by FSCS protection and a credit card to help customers take control of their finances.

We’ve lent out over £6 billion and are proud to have made money work better for over half a million people across the UK, whether they were looking to borrow or save.  

18 – MAMBU – Amsterdam, Netherlands

We are the world’s only true SaaS cloud banking platform and the founders of composable banking. Since 2011, we’ve helped banks, fintechs, lenders, credit unions and retailers design and launch modern financial products with speed, flexibility and scale.

19 – FLOW TRADERS – Amsterdam, Netherlands

Founded in 2004, Flow Traders is a leading trading firm operating globally. Specialized in Exchange Traded Products (ETPs), Flow Traders trades a broad range of asset classes, including digital assets and fixed income both on- and off-exchange. Our headquarters are in Amsterdam and we have offices in 10 locations worldwide, with more than 600 employees.

20 – PLEO – Copenhagen, Denmark

Centralize your business spending for complete financial efficiency and balance the books effortlessly with Europe’s most loved and trusted spend management platform.

Expenses, reimbursements, invoices, budgets... With Pleo, you can pay, manage and optimize, turning your spending into a key to business success.

21 – smava – Berlin, Germany

smava is a leading loan portal in Germany. In 2018, the volume of loans originated through smava was over $2 billion, with a total of more than $5 billion since inception. To date, highly renowned investors such as Vitruvian, Verdane Capital, Runa Capital and Earlybird have invested a total of $135 million in smava.

22 – WISE – London, England

Co-founded by Kristo Käärmann and Taavet Hinrikus, Wise launched in 2011 under its original name TransferWise.

It is one of the world’s fastest growing, profitable technology companies and is listed on the London Stock Exchange under the ticker, WISE. 16 million people and businesses use Wise globally, which processes £9 billion in cross-border transactions every month, saving customers around £1.5 billion a year.

23 – Tide – London, England

Tide has over £200 million raised in funding and was named one of CB Insights global Fintech 250 and Beahurst’s The Fintech Top 50 for the UK in 2023. Tide has also been recognized with the Great Place to Work certification in 2023 and 2024.