Which German Banking Startups are Reshaping Europe’s Financial Landscape in 2023?

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Germany is known for being at the forefront of technology and innovation and this doesn’t stop when it comes to the banking industry. The German banking scene is buzzing with startups that are taking traditional banking to the next level. These startups are providing innovative products and services that are pushing the boundaries of what’s possible in the financial sector, bringing much needed change and disruption to an industry that’s often viewed as stuck in its ways. Their offerings span from a fully customisable all-in-one platform for collections & recovery, to a digital bank for startups, self-employed professionals, and freelancers. This article features 15 exciting banking startups in Germany that you should definitely keep an eye on.


FYRST is a digital bank designed specifically for startups, self-employed professionals, and freelancers. This startup falls under the banking, finance, and financial services industries. Their services can be accessed here.

Solaris Digital Assets

solaris Digital Assets provides access to digital assets for their customers. They operate in the Banking, Cryptocurrency, FinTech, and Technical Support industries. You can learn more about this startup here.

C24 Bank

C24 Bank provides full-service banking, including current account services, credit and debit cards, and online banking services. Additional information about the bank can be found here.


Founded by Nicolai Derr, Rene Guntner, and Sascha Güntner, BO1 is a fintech company that develops blockchain-based banking products. More information about their services can be found here.

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Providing an investment application that offers a goal-driven tailored financial portfolio using globally diversified ETFs, Financery is making its mark in the Banking, Financial Services, and FinTech industry. Learn more about their services here.


Spendzer is a platform that provides digital payment, online banking, financing, and smart money management services. Their services can be explored here.

LZW Capital

LZW Capital provides financing, marketing document preparation, deal structuring, investment banking and advisory services to businesses. Visit their website here for more information.

receeve GmbH

Founded by Michael Backes and Paul Jozefak, receeve GmbH offers a fully customizable all-in-one platform for collections and recovery that is fast to deploy, simple to manage, and easy to customize and expand. More information can be found here.

finleap connect

finleap connect, co-founded by Ramin Niroumand, is a leading independent Open Banking platform provider in Europe. For more information about their services click here.


Founded by Fabian Scholz, Jakob Scholz, and Kelvin Craig, rubarb is a startup that provides more money for your dreams. They operate in the Asset Management, Banking, Financial Services, FinTech, Impact Investing, Personal Finance, Trading Platform, and Wealth Management industries. Check them out here.


Etvas is a digital marketplace for value-added services. It was founded by Ilie Ghiciuc and Sören Timm. You can find out more about their services here.


Banxware is a startup that provides technology and funds for business financing. It was founded by Fabian Heiß, Jens Röhrborn, and Miriam Wohlfarth. More information about the startup can be found here.


Wallis is a financial platform that provides services in savings banking, payments, and financial business strategy. Check out their services here.

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Vorsprung Partners

Founded by Florian Lahnstein, Mark Pohlmann, and Prof. Dr. Günther Strunk, Vorsprung Partners is an advisory and investment firm that provides direct Investment, merchant banking, and complementary investment solutions. Learn more about their services here.


PradoNeo is a startup that focuses on helping companies, founders, and executives to grow enterprises and manage complex transactions. They fall in the Angel Investment, Banking, and Venture Capital industry. More information about their services can be found here.

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