“Can Germany's leading PSD2-powered PFM aggregator transform into an AI-native retirement advisor as the state-sponsored Altersvorsorgedepot opens in 2027?”
Founded 2015 and publicly launched in 2018 as a multibanking PFM app after Die Höhle der Löwen (German Shark Tank). Initially a read-only account aggregator leveraging PSD2 AISP access. Since 2021 pivoted to a commission-based model distributing insurance and financial products via digital advisory. In 2025 repositioned as 'Deutschlands AI-First Finanz-App' with an LLM-powered assistant (KI-Begleiter) and brand ambassador Toni Kroos. Current strategic focus is the 2027 launch of a state-sponsored retirement depot (Altersvorsorgedepot) with Franklin Templeton as asset-management partner.
Finanzguru moves money over SEPA.
Finanzguru was founded by Alexander Michel and Benjamin Michel and is founded in 2015, headquartered in Frankfurt am Main, Germany.
Finanzguru has raised €27M in total (latest round: Series B, 2023 (€13M)).
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