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

BNEXT's logo

BNEXT

Fintech /

bnext.es

Madrid, Spain

2016

€59m

Series A

€125

51-200

Ramp's logo

Ramp

Fintech /

ramp.network

Warsaw, Poland

2017

€58m

Series A

€240

51-200

Advertisement
October's logo

October

Fintech /

october.eu

Paris, France

2014

€55m

Lending Capital

€160

51-200

Omni:us's logo

Omni:us

Fintech /

omnius.com

Berlin, Germany

2015

€54m

Series A

€59

51-200

Cleo AI's logo

Cleo AI

Fintech /

meetcleo.com

London, United Kingdom

2016

€52m

Series B

€200

51-200

Tenderly's logo

Tenderly

Fintech /

tenderly.co

Belgrade, Serbia

2018

€50m

Series B

€182

11-50

Belvo's logo

Belvo

Fintech /

belvo.com

Barcelona, Spain

2019

€50m

Series A

€195

51-200

Aprila Bank's logo

Aprila Bank

Fintech /

aprila.no

Oslo, Norway

2017

€50m

Late VC

€272

11-50

FairMoney's logo

FairMoney

Fintech /

fairmoney.ng

Paris, France

2017

€49m

Series B

€191

201-500

Advertisement
Pento's logo

Pento

Fintech /

pento.io

London, United Kingdom

2016

€49m

Series B

€159

51-200

Crosslend's logo

Crosslend

Fintech /

crosslend.com

Berlin, Germany

2014

€49m

Series B

€175

51-200

Weavr.io's logo

Weavr.io

Fintech /

weavr.io

London, United Kingdom

2018

€48m

Series A

€182

51-200

Divido's logo

Divido

Fintech /

divido.com

London, United Kingdom

2014

€44m

Series B

€136

51-200

Qapital's logo

Qapital

Fintech /

qapital.com

Stockholm, Sweden

2013

€41m

Early VC

€100

11-50

Memo Bank's logo

Memo Bank

Fintech /

memo.bank

Paris, France

2017

€39m

Late VC

€100

51-200

Qover's logo

Qover

Fintech, Enterprise Software /

qover.com

Brussels, Belgium

2016

€36m

Series B

€104

51-200

Pennylane's logo

Pennylane

Fintech, Enterprise Software /

pennylane.tech

Paris, France

2020

€34m

Late VC

€75

51-200

Libeo's logo

Libeo

Fintech, Enterprise Software /

libeo.io

Paris, France

2019

€26m

Series A

€100

51-200

Multiverse Computing's logo

Multiverse Computing

Fintech, Enterprise Software /

multiversecomputing.com

San Sebastián, Spain

2019

€23m

Early VC

€63

11-50

Logos provided by Clearbit