Top 12 Fintech Startups in Denmark 2025

What are Fintech Startups?

Fintech startups represent diverse companies utilizing technology to innovate and optimize financial services. These enterprises, often disrupting traditional financial systems, focus on providing more efficient, accessible, and user-friendly solutions.

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Operating in sectors like banking, payments, lending, insurance, and wealth management, fintech startups leverage technologies such as mobile apps, blockchain, artificial intelligence, and data analytics to enhance financial processes and deliver improved services. The fintech industry's rapid expansion underscores its transformative impact on the global financial landscape.

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Top 12 Fintech Startups in Denmark

PLEO

Pleo, created by Jeppe Rindom and Niccolo Perra, leads the way in corporate expenditure reform with its revolutionary smart payment cards. Pleo, which was created to overcome the shortcomings of traditional expense reporting systems, allows individuals to make work-related purchases while allowing businesses to keep accurate spending management.

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The software automates financial procedures, reducing the administrative burdens associated with traditional expenditure reporting. Pleo's creative approach matches with the demands of modern, forward-thinking teams, cultivating a culture of accountability and openness in corporate spending. This fintech disruptor is redefining how businesses approach and handle their financial transactions, encouraging efficiency and accountability.

Novo Holdings

Novo Holdings, a key investor in life science investments, manages assets for the Novo Nordisk Foundation, one of the world's most recognised charitable organisations. Although particular founder information are not revealed, NOVO HOLDINGS plays a critical role in the foundation's wealth management, focused on developing long-term value in the life sciences industry.

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The objective of the organisation is to deploy resources for long-term, significant investments that contribute to breakthroughs in health and well-being. NOVO HOLDINGS represents a unique mix of financial competence and a dedication to promoting good impact via life science investments by combining its financial strategy with philanthropy.

Lunar

Lunar, a digital challenger bank formed with the objective of revolutionising traditional banking, is driven by a desire to democratise money's power. While no particular founder information is available, Lunar's objective is clear: to alter the banking sector with a mobile-based tool that empowers individuals to manage their own accounts.

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Lunar seeks to improve the way individuals bank, pay, and invest by harnessing financial technology, making these operations more accessible and customer-centric. Lunar, with an emphasis on innovation and client happiness, represents a new wave of fintech startups challenging old financial sector practices.

Saxo Bank

Saxo Bank, a licenced and regulated Danish bank specialising in online trading and investment across global financial markets, was formed on the principle that investing awakens one's interest in the world. While no individual founders are mentioned, Saxo Bank stands out for its emphasis on discovery and curiosity.

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The bank supports online trading, offering consumers insights into global markets and developing a more comprehensive awareness of the financial world. Saxo Bank aspires to make investing an instructive experience for its users by integrating technology and financial knowledge, developing a feeling of global awareness and financial savvy.

Coinify

Coinify, a virtual currency trading and payment platform, is critical in boosting business growth by facilitating cryptocurrency payments. Coinify, founded with a global view, operates in over 180 countries and has earned the trust of prominent wallets, websites, and applications.

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While the names of the founders are not disclosed, Coinify's significance may be seen in its function as a trusted mediator in the bitcoin ecosystem. Coinify aids to the greater use of digital currencies by enabling companies to accept cryptocurrency payments and simplifying crypto purchases, bridging the gap between traditional finance and the developing environment of blockchain-based transactions.

Cardlay

Cardlay distinguishes itself as a financial innovation, offering a White Label solution that merges cards and expenditure management smoothly. Cardlay, which was founded with the goal of delivering intelligent and easy platforms, focuses on offering real-time overviews of business expenditure.

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While particular founder information is not available, Cardlay's relevance resides in enabling partners to provide end-to-end spend management to their clients. Cardlay optimises financial procedures for organisations by combining cards and cost management in a holistic system, increasing efficiency and control over expenses.

Likvido

Likvido emerges as a financial solution that liberates SMEs through the automation of Accounts Payables and Receivables. Likvido was founded with the goal of automating receivables management, allowing firms to devote more time to core activities.

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While the founder's identity is not disclosed, Likvido targets the pain points of SMEs by providing a digital solution that automates the whole process from invoicing to payment. Likvido helps to the financial health of businesses by making account administration simple and accessible, allowing them to focus on development rather than the complexities of financial management.

AIIA (formerly Nordic API Gateway)

AIIA, formerly known as Nordic API Gateway, is a game changer in Europe's financial scene, specialising in open banking solutions that make transactions easier. AIIA, a Mastercard company founded in 2011, has over a decade of expertise in fintech, serving both businesses and individuals.

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Although no specific founders are mentioned, AIIA's dedication to developing functioning open financial solutions is clear. AIIA supports secure and efficient financial transactions by using its knowledge, contributing to the advancement of open banking and ensuring that its solutions fit easily into the financial ecosystem.

NORD

NORD.investments has become Norm Invest! NORD emerges as a mobile and totally automated investing solution designed for the common investor navigating financial markets encumbered by excessive bank costs. NORD overcomes the obstacles caused by expensive fees connected with traditional investment funds and bank advisors as part of its effort to simplify the investment environment.

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The internet tool enables individuals to simply begin their investing journey, which is consistent with NORD's aim of democratising access to financial markets. NORD was founded in response to the obstacles created by traditional investment routes, with the goal of making investing more accessible, inexpensive, and user-friendly for a greater audience, supporting financial inclusion and independence.

DigiShares

DigiShares sees itself as a leading developer of white-label platforms for tokenizing real estate and other assets. DigiShares, which is at the forefront of the fintech revolution, specialises in providing a white-label platform for the issuance, administration, and trading of security tokens or tokenized securities.

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While no particular founder information is revealed, DigiShares primarily focuses on tokenizing huge physical assets like real estate, solar, and wind. DigiShares adds to the greater trend of asset tokenization by employing blockchain technology to provide creative solutions that improve liquidity, accessibility, and efficiency in the traditional asset market.

CrediWire

CrediWire is a fintech startup that collects cloud data to provide real-time credit ratings and customer insights. It helps banks and financial services improve their software and manage risks more effectively.

The team consists of experienced entrepreneurs, investment bankers, marketers, and developers. CrediWire also offers a financial data platform that simplifies and shows information for better decision-making. The platform helps accountants, small businesses, and banks organize and analyze data, improve teamwork, and build stronger businesses.

FlatPay

Flatpay is a fintech startup that creates payment solutions for small and medium-sized businesses. The company has raised $45 million in a Series B funding round. It plans to grow by developing new products, expanding into new markets, and making sure customer satisfaction is a top priority.

Their mission is to help your business grow by making payment processes simple. They offer a single flat rate for all cards, which keeps payment processing easy and affordable. With 24/7 customer service, they make sure your payments always run smoothly.

Frequently asked questions (FAQs)

Which are Top 12 Fintech Startups in Denmark?

PLEO, Novo Holdings, Lunar, Saxo Bank, Coinify, Cardlay, Likvido, AIIA (formerly Nordic API Gateway), NORD, DigiShares, Crediwire and Flatpay are Top 12 Fintech Startups in Denmark.

How NORD does work?

The internet tool enables individuals to simply begin their investing journey, which is consistent with NORD's aim of democratising access to financial markets.