21 European Fintech & Neobanks vendors.
Fintech & Neobanks: Digital banks, neobanks, money transfers and fintech services. Below, every vendor in the knowledge base headquartered in the EU or the EEA, each checked by us for headquarters, owner, hosting and licence. Non-European vendors are listed at the bottom with a link to their European alternatives.
36 vendors in total: 21 European, 7 American, 8 other; 0 open source. Last checked: 5 October 2026.
Why this matters for digital sovereignty
Fintech and neobank services handle account data and transaction flows, and as a financial entity the provider generally falls under the DORA regulation for digital operational resilience. Check the provider's licence and home jurisdiction, its ultimate owner, and the deposit guarantee that applies.
European vendors
- ActivoBankEU sovereign
Portuguese digital bank (Lisbon), a subsidiary of Banco Comercial Português.
Portugal
- bunqEU sovereign
Dutch neobank with focus on freedom, sustainability and user-friendliness
Netherlands
- FinomEU sovereign
Dutch fintech for business accounts with integrated invoicing
Netherlands
- HolviEU sovereign
Finnish digital bank for self-employed and small companies with invoicing tools
Finland
- KnabEU sovereign
Dutch online bank focused on entrepreneurs and investors
Netherlands · owner in Austria
- LunarEU sovereign
Danish digital bank (Aarhus) with a banking licence, personal and business accounts, digital cards and payments; active across Denmark, Sweden and Norway.
Denmark
- N26EU sovereign
German mobile neobank with free account and real-time notifications
Germany
- Northmill BankEU sovereign
Swedish bank (Stockholm) with consumer lending, savings and SME financing, licensed by Finansinspektionen.
Sweden
- QontoEU sovereign
French neobank for companies and self-employed with accounting- and expense management
France
- RockerEU sovereign
Swedish challenger bank (Stockholm, launched 2021) with SE-IBAN, Swish and BankID, licensed payment institution.
Sweden
- Saldo BankEU sovereign
Finnish digital bank (active in FI, SE, LT, DE) with term deposits and automated lending, ECB banking licence.
Finland
- SolarisEU-hosted, non-EU parent
German banking-as-a-service bank (Berlin) with a full German banking licence, majority-owned by Japan's SBI Group.
Germany · owner in Japan
- SumeriaEU sovereign
French digital banking app (Paris, Lydia Solutions) with an ACPR licence, personal accounts with interest, budget sub-accounts and AI tools.
France
- TinabaEU sovereign
Italian fintech app (Milan) for money management, in partnership with Banca Profilo.
Italy
- TomorrowEU sovereign
German sustainable bank that invests money in climate and environmental projects
Germany
- Trade RepublicEU sovereign
German neobroker from Berlin with a BaFin banking license for investing and saving in the EU
Germany
- Triodos BankEU sovereign
Dutch sustainable bank that exclusively invests in social and green projects
Netherlands
- VeloBankEU sovereign
Polish digital bank (Warsaw), successor to Getin Noble, licensed by the KNF.
Poland
- Vivid MoneyEU sovereign
German fintech app for banking, investing and cashback rewards
Germany
- WallesterEU sovereign
Estonian licensed payment institution (Tallinn) for white-label card issuing and expense management.
Estonia
- Zen (Zen.com)EU sovereign
Polish fintech/neobank (Warsaw, founded 2018) with multi-currency accounts, licensed by the KNF.
Poland
Non-European vendors in this category
For each vendor, the page with European alternatives and the sovereignty profile.
- Non-EU vendorChimeUnited States · 8 EU alternatives
- Non-EU vendorCountingupUnited Kingdom · 8 EU alternatives
- Non-EU vendorDaveUnited States · 8 EU alternatives
- Non-EU vendorHappen BankUnited States · 8 EU alternatives
- Non-EU vendorMercuryUnited States · 8 EU alternatives
- Non-EU vendorMonzoUnited Kingdom · 8 EU alternatives
- Non-EU vendorOakNorthUnited Kingdom · 8 EU alternatives
- Non-EU vendorOnJunoUnited States · 8 EU alternatives
- Non-EU vendorRevolutUnited Kingdom · 8 EU alternatives
- Non-EU vendorSoFiUnited States · 8 EU alternatives
- Non-EU vendorStarling BankUnited Kingdom · 8 EU alternatives
- Non-EU vendorTandemUnited Kingdom · 8 EU alternatives
- Non-EU vendorTideUnited Kingdom · 8 EU alternatives
- Non-EU vendorVaroUnited States · 8 EU alternatives
- Non-EU vendorWiseUnited Kingdom · 8 EU alternatives
Frequently asked questions
Which European Fintech & Neobanks vendors are there?
The knowledge base lists 21 European Fintech & Neobanks vendors, including ActivoBank, bunq, Finom and Holvi. Every record is checked for headquarters, ultimate owner, hosting locations and licence.
Which non-European Fintech & Neobanks vendors have a European alternative?
Chime, Countingup, Dave and Happen Bank each have a curated list of European Fintech & Neobanks alternatives, checked for headquarters, owner and hosting.