Europe’s Leading Fintech Companies in 2025 Extended List

Tink is a Swedish open banking platform that provides banks, fintechs, and startups with access to financial data, analytics, and payment services. ANNA Money is a UK-based fintech company offering a business account and tax app for small businesses and freelancers. Services include invoicing, receipt management, bank reconciliation, and tax calculations. Fulcrum GT offers digital solutions to support law firms and other professional services businesses.

Monthly Growth OpenLetter.

Instead of locking teams into one data provider, Alloy allows companies to combine multiple identity, fraud, and risk signals and route customers dynamically based on risk profiles. Alloy’s rules engine enables non-technical teams to adjust thresholds, add providers, or change flows without engineering work. Real-time monitoring and case management tools give compliance teams visibility into onboarding outcomes and ongoing customer behaviour. Alloy is often used by teams that want to move beyond static KYC checks and build adaptive, risk-based onboarding. Bill.com is a business payments and financial workflow platform that modernises accounts payable and accounts receivable for small and mid-sized organisations. It centralises invoice capture, approval routing, and payment execution so finance teams can replace email chains and manual bank logins with a controlled process.

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The platform is particularly useful for organisations with strong Excel expertise that want better scale and oversight. Vena often acts as a bridge between basic spreadsheets and full enterprise planning tools. Griffin is building an API-first bank that aims to combine direct banking services with a developer-friendly experience. The goal is to reduce integration friction by offering modern APIs, robust webhooks, and clear sandbox behaviours from day one.

Payment

• With a focus on scalability, compliance, and advanced technology, AWS supports companies looking to build and grow in a secure environment.
• You’re dealing with everything from data privacy to consumer protection and anti-money laundering rules.
• With the help of regulatory technology solutions, it’s possible to improve, streamline, and automate regulatory processes.
• We’ve built and integrated hundreds of scalable FinTech startup accounting tech stacks.

For a fintech startup, that story needs to be clear, accurate, and compelling to investors and regulators. Messy books, improper revenue recognition, or a weak compliance framework are red flags that can stop your growth in its tracks. The right accounting partner does more than just crunch the numbers; they help you write a story of stability, discipline, and readiness for scale. Let’s look at what defines the best accounting services for fintech startups and how to find a firm that fits your vision. BDO has the knowledge and experience to help fintechs of all sizes and growth stages chart the way forward in any market environment and advance the development of transformative strategies.

Reporting on Crypto and Digital Assets

Whether https://dimensionzen.com/streamline-your-finances-with-expert-accounting-services-for-startups/ you’re streamlining operations, enhancing security, or scaling your services, the right tools help you stay ahead of the competition and meet your customers’ evolving needs. That means they actively seek external partners to help them grow their platform, acquire users, navigate regulations, and build trust. Asset management is in the midst of integrating fintech and being a part of the fintech revolution. Younger investors are embracing robo-advisory services for more than long-term savings or retirement planning, using online platforms to save for large purchases like cars or homes.

• The platform automates invoicing, revenue recognition, and analytics, reducing reliance on spreadsheets and manual reconciliations.
• Shopify isn’t a financial institution, making Shopify Balance a financial product ‘embedded’ in a non-financial product.
• Checkout.com is best known for card acquiring, but it also offers global payout and disbursement capabilities.
• Yapily is a London-based fintech company providing an open banking infrastructure platform.
• Startup accounting can be used to generate financial statements and financial reports as well as review financial transactions.
• It enables employees to request spend, receive approval, and complete purchases within a single flow.

Cryptoasset Fraud: Investigations and Asset Tracing

Toast serves all kinds of food and beverage businesses, including fine dining and fast casual restaurants, kiosks, coffee carts and food trucks. In India, the company maintains sites in Bangalore and Chennai that serve as home base for technical roles. Stripe provides digital payment services to a variety of companies, from e-commerce sites to subscription-based businesses.

Beyond Finance offers free consultations to get customers started on their journey toward financial freedom. Say the company name out loud, and you’ll understand the concept of MarketAxess, a fintech company that runs an electronic trading platform for fixed income assets. Fixed income assets include bonds and other assets and securities that pay out a set amount of interest or dividends to investors, and they are traditionally traded via telephone. On the MarketAxess platform, clients can trade assets electronically, as well as access resources on existing and emerging markets across regions.

Financial comparison service

• Startup accounting is an incredibly valuable, but tedious, aspect of running a startup.
• From digital banking and embedded payments to crypto infrastructure, lending platforms, and financial wellness tools, FinTech startups are transforming how money moves, is managed, and invested.
• Quantifying the financial repercussions of money laundering is challenging, but the International Monetary Fund estimates it could represent 5% of the global GDP.
• In assessing a user’s rates and determining the likelihood of loan repayment, the digital company’s algorithm takes into account factors beyond income and credit history.
• It has a fundraising platform where schools, teams, groups and other entities in the youth sports space can raise money, process donations and manage fundraising efforts.
• The company offers businesses financial services like capital markets transactions, administrative alternative asset management, business administration and domain name system management.
• Soldo is a UK-based fintech company offering a spend management platform that combines prepaid company cards with software for managing business expenses.

Persona is often chosen when customer experience is a strategic differentiator, not just a compliance requirement. Treasury Prime combines direct sponsor bank relationships with an API layer for deposits, payments, and ledger services. The model aims to give builders bank-grade control while retaining developer velocity. Detailed webhooks and reporting endpoints support reconciliation, cash reporting, and operational monitoring.

• Such broker-dealer and Registered Investment Advisor (RIA) entities do require specialized governance and compliance procedures, for which sourcing an experienced compliance overseer is highly recommended.
• Mollie is a leading European payment service provider offering a simple, secure, and developer-friendly platform for businesses to accept online payments.
• For fintech platforms, Circle can serve as a bridge between traditional fiat systems and blockchain-based transfers, especially when customers or partners operate globally.
• It provides direct connections to banks across the UK and Europe, which helps reduce dependency on intermediaries and improve reliability.
• These tools follow strict compliance standards like SOC 2, PCI-DSS, and GDPR, so your financial data stays protected.
• The rise of AI and machine learning is likely to enhance the benefits of fintech even further.

Antier Solutions

The platform integrates with accounting tools and supports batch payments and local account details in many countries. Wise Business is often used by smaller teams accounting services for startups that want global reach without the overhead of traditional banking relationships. Ordway is a billing and revenue automation platform built for companies managing flexible contracts, usage-based pricing, and hybrid SaaS business models. It supports subscription billing alongside complex invoicing structures such as milestones, overages, tiered usage, and negotiated enterprise terms. Ordway is designed to handle the messy middle between product usage data, customer contracts, and finance reporting, reducing the need for manual spreadsheet stitching.