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101 Top FinTech Startups and Companies in Spain (2021)

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This article showcases our top picks for the best Spain based FinTech companies. These startups and companies are taking a variety of approaches to innovating the FinTech industry, but are all exceptional companies well worth a follow.

We tried to pick companies across the size spectrum from cutting edge startups to established brands.

We selected these startups and companies for exceptional performance in one of these categories:

  • Innovation
    • Innovative ideas
    • Innovative route to market
    • Innovative product
  • Growth
    • Exceptional growth
    • Exceptional growth strategy
  • Management
  • Societal impact

Top Spain FinTech Startups

Data sourced from Crunchbase and SemRush.

StudentFinance

StudentFinance

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StudentFinance is a Fintech company that aims to solve the skills gap, while transforming the trillion dollar education industry.

Payflow

Payflow

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Payflow is a fintech firm that allows employees to instantly access earned wages through a mobile app

Payflow

Bnext

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Bnext is the leading mobile-first neobank of Spain

Payflow

fintonic

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Fintonic is a free application that enables anyone to organize accounts and saving money.

Payflow

Banco Bilbao Vizcaya Argentaria

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Banco Bilbao Vizcaya Argentaria is a global financial services group that offers the a range of services to customers and companies.

Payflow

Lana

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Lana is a technology platform for Gig Economy workers that operates as a financial marketplace in LATAM

Payflow

ID Finance

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ID Finance is a fast-growing data science, credit scoring and global consumer digital finance provider.

Payflow

Verse

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Verse offers a payments platform that allows users to share payments easily, instantly, and with no hidden fees.

Payflow

Fuell

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A radically better corporate card for your business. Say goodbye to expense reports while you get credit limits that grow with you

Payflow

HeyTrade

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Next gen open banking investment platform

Payflow

Unnax

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Unnax offers bank aggregation, payments, onboarding, and e-money services through a single API.

Payflow

Cobee

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Cobee is a Spanish fintech startup that develops an online platform that automates and simplifies employee benefits management.

Payflow

Pagantis

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Pagantis, an established fintech founded in 2011, provides automated, friction-free consumer finance for e-commerce transactions in Europe.

Payflow

Ninety Nine

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Ninety Nine is a developer of financial trading platform intended to charge no commission fees.

Payflow

Reloadly

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Plug and play APIs for prepaid airtime, data and digital mobile payments across emerging regions.

Payflow

HUBUC

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A single API-platform which allows any business to embed financial services capabilities into their products.

Payflow

Atani

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Atani is the one-stop crypto trading platform: trading on 20+ exchanges, integrates technical analysis tools and automates tax reporting.

Payflow

Goin

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Goin is a mobile application to save money easily and take advantage of it without knowing how to invest.

Payflow

Rebellion Pay

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Neobank of the Gen Z and Millenial generations

Payflow

Lucas

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Lucas is introducing a new and accessible way into homeownership to millennials through a Rent to Buy model

Payflow

Bit2Me

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Suite of blockchain services for exchanging cryptocurrencies and boost the adoption of Bitcoin

Payflow

Mitto

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Mitto is a debit card and app designed for “Generation Z” teens.

Payflow

TaxDown

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TaxDown is a Spanish startup that eases the income tax return filing process for taxpayers.

Payflow

ClimateTrade

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ClimateTrade is the leading blockchain platform for carbon offsetting. In 2018 launched the first Carbon API in the world

Payflow

Coverfy

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Coverfy is an insurtech startup on a mission to make insurance easy for everyone.

Payflow

Aplazame

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Aplazame is a consumer credit company that provides instant financing service for online purchases.

Payflow

Neo (getneo.com)

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Cash management and FX Hedging SaaS. We build bespoke FX hedging and cash management solutions for corporates across EU.

Payflow

Cleverea

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P&C Neo-insurer. We design, develop, underwrite, distribute (B2C & B2B2C) and manage disruptive insurance across the whole customer journey.

Payflow

anfix

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Anfix is ​​an accounting, invoicing and HR cloud software designed for advisors and small business/professionals

Payflow

Nemuru

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A technology platform that revolutionizes the way people pay for products and services.

Payflow

Bankse

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Bankse is a digital bank that provides clients with financial services.

Payflow

bnc10

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Bnc10 IS A mobile banking platform that aims to bend finance rules, far from traditional banks.

Payflow

Housers

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Housers is a crowdfunding and crowdlending platform that enables individuals to invest in real estate, green and corporate projects.

Payflow

Startupxplore

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Startupxplore is a premium startup investment platform that allows unexperienced and time-savvy investors to diversify their portfolio .

Payflow

Bewater Funds

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Private securities investment for professional investors, with liquidity

Payflow

Finnu

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Finnu is a Fintech startup giving its users access to affordable asset-backed consumer loans via its mobile app.

Payflow

Declarando

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Declarando is a digital tax advisor for freelancers

Payflow

Finizens

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Wealth management firm offering a 100% digital robo-advisor investment service through globally diversified, low-cost index fund portfolios.

Payflow

Capital Cell

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Capital Cell is a European equity crowdfunding platform for biotech & healthcare projects based in Barcelona and Cambridge/UK.

Payflow

Divilo

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Divilo is a B2B financial platform for companies and the self-employed.

Payflow

EthicHub

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Blockchain-based P2P platform connecting profitable small farming communities with lenders and product buyers.

Payflow

LIBEEN Smart Housing

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We make homeownership flexible and affordable for millennials thanks to the #SmartHousing model.

Payflow

Afterbanks

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Subsidiary of Minsait, an Indra company, aggregates bank data and initiate payments. Authorized by the UK FCA to operate as PISP and AISP.

Payflow

BBVA

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BBVA is a financial company that provides a variety of banking services online.

Payflow

Fundsfy

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Fundsfy brings together banking services plus an investor’s marketplace to manage the money and make it grow all from one place.

Payflow

2gether

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2gether is a collaborative financial platform that accelerate the world’s transition to decentralized finance.

Payflow

Balio

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Personal Finance Manager and Investing

Payflow

Worldcoo

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Worldcoo is a social company aimed at funding NGO projects through omnichannel committed companies and their users.

Payflow

Polaroo

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Polaroo is a centralized platform that allows its users to manage, optimize, and unify household bills.

Payflow

StockCrowd

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StockCrowd is a software company that develops the Financial Crowd Management (FCM) software.

Payflow

Captio

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Captio enables companies and their employees an improved control of their expenses and the discovery of new savings opportunities.

Payflow

Card Dynamics

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Card Dynamics is a Issuer and Merchant partner for the subscription economy.

Payflow

elsa.care

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elsa.care is a platform that offers migrant workers commission-less services and cash remittances for their loved ones back home.

Payflow

Preseries

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PreSeries takes advantage of Machine Learning to transform startup investing into a successful data-driven practice

Payflow

Trioteca

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Trioteca is the digital advisor that helps you to get your best mortgage in Spain

Payflow

Finanbest

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Finanbest is a B2C and B2B robo advisor that provides financial advice and online portfolio management.

Payflow

Ibancar

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Specialist online asset backed lender offering consumer loans to clients with difficult credit history

Payflow

Zank

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Zank is a platform where borrowers and lenders come together to make intelligent use of their money.

Payflow

Banco Santander

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Banco Santander is a bank with services specifically for retail and commercial sectors.

Payflow

Advancing

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Fintech solution offering landlords the chance to receive 12 months of their rents in advance while protecting them against default payments

Payflow

Micappital

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Micappital automated savings and investments manager in Spain

Payflow

PIGARI

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Corporate debit cards for SME and Freelancers to automate expense management and remove paper expense receipts.

Payflow

Fellow Funders

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Fellow Funders is an independent firm with the goal of accompanying SMEs and Startups in their plans for expansion and consolidation.

Payflow

LoanBook Capital

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Online marketplace lending platform

Payflow

Zero1

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Early Supply Chain financing to help businesses thrive

Payflow

eSignus

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We deliver recognized and truly secure user experiences for the custody of private keys.

Payflow

Socilen

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Socilen is collective funding platform that connects families or SMEs that need financing with investors willing to finance.

Payflow

Flanks

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Flanks is the first Spanish company specialized in providing comprehensive solutions of high added value based on financial data.

Payflow

Finteca

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makes it easy to plan, apply and coordinate a mortgage – all from your phone.

Payflow

Bewa7er

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Bewa7er is a Fintech Venture Builder with currently 3 projects under way: Indexa Capital, Indexa Lending and Bewater Fund.

Payflow

Tickendy

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Tickendy is the world’s first contactless digital receipt processing & analytics platform.

Payflow

DUNFORCE

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The smart collection agent that simplifies and accelerates the payment of your receivables.

Payflow

Arboribus

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Arboribus is a financial intermediary that helps small and medium enterprises find suitable funding opportunities.

Payflow

Mutter Ventures

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Mutter Ventures is a pre-corporate venture builder in Spain, especialized in the startup and development of companies in the digital economy

Payflow

Pibisi

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Automatised KYC for regulated companies

Payflow

Pensumo

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Pensumo seeks to implement in Europe a savings model by measuring personal consumption and measuring responsible actions.

Payflow

MYMOID

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MYMOID is a mobile payment service characterized by its ease of use and security of all your transactions.

Payflow

Besepa

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Besepa is a FinTech startup that offers a technology platform.

Payflow

Livetopic

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Livetopic is a online financial advisor that performs a detailed and independent analysis of your financial situation.

Payflow

Combine

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Combine is a mobile financial assistant that lets people feel in control of all their finances.

Payflow

Fintech Payments | The first marketplace of Fintech & Insurtech solutions

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Fintech Payments is a Fintech & Insurtech solutions marketplace with a presence in more than 33 countries.

Payflow

Kommerce

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Commodities Trade and Finance Platform for Africa & the World

Payflow

SeeDCash

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SeeDCash is a liquidity management for small businesses, startups and freelancers.

Payflow

Zyfro

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Zyfro provides invoicing software for enterprises, freelances and bookkeepers.

Payflow

Qbitia

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Qbitia is a software company that develops solutions for capital markets designed to simplify and optimize daily trading work.

Payflow

Feelcapital

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Feelcapital is an advisor theft and web platform that provides personalized advice in investment funds and pension funds.

Payflow

ECrowd!

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ECrowd! offers crowdlending for investment projects.

Payflow

Arbor Fintech

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Arbor is a 360 degree financial wellness platform helping users to save, invest and cut debt through

Payflow

easyGOband

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easyGOband is a Enterprise software for access control and cashless payments’ wearables.

Payflow

Beseif

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Beseif is a web platform that allows managing secure sales between individuals.

Payflow

OpSeeker

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Web application that allows you to improve your investments and savings using fictitious money and helps you improve your financial health.

Payflow

Neo Moon

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NeoMoon aims to become a Spanish challenger bank

Payflow

Finanzarel

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Finanzarel is an online marketplace where companies meet investors to solve working capital needs.

Payflow

Segguroo

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Segguroo is an insurance management app that economizes and manages all insurance without changing companies.

Payflow

HashMarket

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Decentralized Investment plaftorm through Hashrate Futures

Payflow

Coinffeine

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Coinffeine provides financial institutions a solution to offer their clients crypto services with a decentralized exchange and self custody.

Payflow

FinTechStage

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FinTechStage engages in Financial Services stakeholders to build innovation ecosystems worldwide.

Payflow

Storm Innovation

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Storm Innovation is a digital platform to connect micro merchants with stock suppliers & banks.

Payflow

Flipsimply

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Flipsimply is an inventory crowd-financing platform where brands can offer exclusive investment opportunities.

Payflow

Bankinter

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Bankinter is a commercial bank with a Venture Capital program investing in startups

Payflow

impok

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Impok is a social network that enables its users to manage their financial portfolios and share investment ideas with others.

Written by Mark Kendall

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