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← Embedded Finance Index 2026/Countries/Germany

🇩🇪 Embedded finance in Germany

View 207 companies on the map →

207 companies headquartered in Germany are in the Embedded Finance Index. This page counts which embedded-finance layers they run, which providers they name and which licences they hold.

207
Companies analyzed
162 (78%)
Name at least one embedded-finance provider
60
Hold a licence issued in Germany
13
Significant or critical accounting-integration gap
Layer adoption

Which embedded-finance layers companies in Germany run

Companies that name at least one provider for the layer on a sourced page, out of 207.

Payments (PSP) · 41%
85
Accounts / BaaS · 30%
63
Lending / BNPL · 27%
55
Card issuing · 19%
40
Open banking / data APIs · 12%
25
FX / payouts · 10%
20
KYC / fraud · 9%
18
Insurance · 7%
14
Crypto / stablecoin · 4%
9
Payroll · 1%
3
Providers

The providers companies in Germany name most

Payments
22
20
10
6
6
6
Accounts / BaaS
8
3
3
2
2
2
Card issuing
10
3
2
2
1
1
Lending / BNPL
6
5
3
2
2
auxmoney
2
Insurance
3
1
R+V Versicherung
1
Munich Re
1
BauSecura
1
Cardif Allgemeine Versicherung
1
Open banking & data APIs
6
3
3
3
3
2
KYC
4
3
2
2
1
Creditreform Boniversum
1
FX / payouts
2
2
2
1
Partior
1
1
Sponsor banks
7
3
2
2
Vereinigte Volks- und Raiffeisenbank
1
1
Licences issued in Germany

60 companies hold at least one; a company can hold several kinds.

Bank / credit institution
26
Insurance
9
Payment institution
9
Investment firm / crypto
7
Account information / payment initiation
2
E-money institution
2
Accounting systems they connect to

Companies that list a connector for the system.

DATEV
25
Xero
8
QuickBooks
5
NetSuite
4
SAP
4
Shopify
4
lexoffice
3
Sage
3
sevDesk
3
Lexware Office
2
Microsoft Business Central
2
Microsoft Dynamics
2
Who they are
Vertical SaaS
63
Fintech
49
Infrastructure
34
Bank
17
Marketplace
16
Horizontal SaaS
13
E-commerce
8
Automotive
3
Companies

Companies headquartered in Germany

4StopAareon Deutschland GmbHAazzurADACAdidasAeviAntiboringcontentclubAutoScout24AuxmoneyAvocadostoreBankhaus Von Der HeydtBanxwareBarzahlenBeatvestBees & BearsBillieBison AppBitwalaBMWBoerse Stuttgart DigitalBookingkitBörse StuttgartBuchhaltungsButlerBuycycleBVG JelbiCandisCanyonCAPTIQCHECK24 BankChrono24CirculaCLARKClooverCommerzbankCompeoncomrceDebtistDelivery HeroDeubaXXLDeutsche BankDeutsche TelekomDKBDWP BankDZ BankE.ONEcosiaEdyoucatedEFSEmbeaEurexFAARENFidor BankFinanzcheckfinAPIFinmidFinoaflatexDEGIROFoursourceFraugsterFREENOWGASTROFIXGetmomoGetyourguideGroverHakunaHelabaHenkelHERO SoftwareHrmonyHVBHypersoftHypoportHypoVereinsbankIdnowinshaInterhypJimdoJtl SoftwareKadmosKauflandKI groupKleinanzeigenKomboKontistKorberLanoLBBWlemon.marketsLexofficeLexwareLieferandoLiqidLumiformMaintenyMavianceMercedesMetro AGMiles & MoreMonduMoniteMossN26NellyNord LbNorman FinanceNX TechnologiesOMROnfyOrderbirdOttoOttonovapathwaypay33PayonePayrailsPentaPersonioPliantPorschePublkQuirin PrivatbankquirionQwistRaisinRaisin PensionRatepayREA Card GmbHRegional HeroRegnologyRemagineRivertyRsbSAP Business OneSAP FioneerSastrifyScalable CapitalsennderSerralaShopwareSIDESSmoobuSocialCardSofortSolarisSolarisbankSparkasseSparkassen GroupSport AllianceSprykerStocardSutor BankSYZYGYTalon.OneTaplineTaxdooTaxfixTaxy.ioTicomboTiltaToolTimeToolTime PayToolTime Pay Embedded PaymentsTrade RepublicTUIUnitplusUnzerUpvestuRydeUsercentricsUtimacoVice GolfVivid EuropeVolksbankenWalbingWeclappWeFoxXentralZalando
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