The European fintechs to watch in 2022

Hot startups from the hottest European sector

European fintech doesn’t need much of an introduction.

The three most highly-valued startups in Europe — Klarna, Checkout.com, and Revolut — are fintechs, and so are 35% of unicorns. Friendly regulators and eager consumers, as well as the tailwind of increased digital transformation needs have continued to buoy the sector.

While many of Europe’s biggest fintechs are household names, we’ve created a list of some of the promising — if maybe not as well known — fintech startups in Europe in 2022.

While we prioritise younger startups, we included all relevant ones, and at least one per European country.

For in-depth analysis of earlier stage companies across all sectors, visit our intelligence briefing catalogue here.

Key

Year founded

Amount raised

Last funding round

Valuation

Employees

Pigment's logo

Pigment

Fintech, Enterprise Software /

gopigment.com

Paris, France

2019

€90m

Series B

€332

51-200

Kuda Technologies's logo

Kuda Technologies

Fintech /

kuda.com

London, United Kingdom

2019

€83m

Series B

€455

201-500

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Taxdoo's logo

Taxdoo

Legal, Fintech /

taxdoo.com

Hamburg, Germany

2016

€82m

Series B

€320

51-200

Freetrade's logo

Freetrade

Fintech /

freetrade.io

London, United Kingdom

2016

€81m

Late VC

€300

201-500

Habito's logo

Habito

Fintech, Real Estate /

habito.com

London, United Kingdom

2015

€78m

Series C

€210

51-200

Copper's logo

Copper

Fintech /

copper.co

London, United Kingdom

2018

€77m

Series B

€227

51-200

Rocker (formerly Bynk)'s logo

Rocker (formerly Bynk)

Fintech /

rocker.com

Stockholm, Sweden

2017

€77m

Early VC

€200

Modulr Finance's logo

Modulr Finance

London, United Kingdom

2015

€75m

Late VC

€113

201-500

Qredo's logo

Qredo

Fintech /

qredo.com

London, United Kingdom

2011

€87m

Series A

€400

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FintechOS's logo

FintechOS

Fintech, Enterprise Software /

fintechos.com

Bucharest, Romania

2017

€74m

Series B

€255

201-500

Luko's logo

Luko

Fintech /

luko.eu

Paris, France

2016

€72m

Series B

€250

201-500

Juni's logo

Juni

Fintech /

juni.co

Gothenburg, Sweden

2019

€69m

Series A

€236

51-200

Lido's logo

Lido

Fintech /

lido.fi

Finland

2020

€68m

Early VC

€332

Primer's logo

Primer

Fintech /

primer.io

London, United Kingdom

2020

€68m

Series B

€386

51-200

ViaBill's logo

ViaBill

Fintech /

viabill.com

Copenhagen, Denmark

2014

€65m

Early VC

€273

51-200

Codat's logo

Codat

Fintech, Enterprise Software /

codat.io

London, United Kingdom

2017

€64m

Series B

€182

201-500

Yapily's logo

Yapily

Fintech /

yapily.com

London, United Kingdom

2017

€63m

Series B

€232

51-200

Enfuce's logo

Enfuce

Fintech /

enfuce.com

Espoo, Finland

2016

€62m

Series C

€225

51-200

Hedvig's logo

Hedvig

Fintech /

hedvig.com

Stockholm, Sweden

2017

€62m

Series B

€205

51-200

Plum's logo

Plum

Fintech /

withplum.com

London, United Kingdom

2016

59.4mm

Early VC

€108

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