Fintech remains one of the largest VC-backed verticals, with over $500 billion invested since 2016 and more than $1.1 trillion in exit value created globally. In Europe, it kept its dynamism as fintech startups — from neobanks to payment platforms — are drawing immense interest from VCs and angel investors alike, fueling rapid innovation.
Vestbee has compiled a list of the most active European fintech investors shaping the landscape and driving innovation across the continent.
Here are the top VC funds investing in European fintech startups:
Act Venture Capital
HQ: Dublin, Ireland
Sector Focus: Generalist
Investment Stage: Seed to Growth
The firm invests in technology companies from their earliest stages through to growth. As a generalist investor, Act Venture Capital has the flexibility to invest across different tech sectors, backing talented founders with the vision to build exceptional, category-defining companies. Act Venture Capital emphasizes building long-term, personal relationships and has had the privilege of backing serial founders more than once, with tickets ranging from €500k to €20m.
Acurio Ventures
HQ: Bilbao, Spain
Sector Focus: Generalist
Investment Stage: Seed, Series A
Acurio Ventures is a European early-stage venture capital firm, rebranded from All Iron Ventures in 2022. The firm invests across Europe and the Americas. Acurio is sector-agnostic, choosing to back great companies and committed founders rather than focusing on specific industries. The firm's investment thesis is built on its team's "entrepreneurial DNA," with its partners having direct experience founding and scaling companies themselves. The firm primarily invests in Seed and Series A rounds. A key element of their strategy is to act as a co-investor, collaborating with other funds and only occasionally leading or co-leading rounds.
Alven
HQ: Paris, France
Sector Focus: Generalist
Investment Stage: All stages
Alven Capital, a leading early-stage VC firm with over $500 million in assets, focuses on French and French-related digital tech entrepreneurs. Specializing in fintech, AI, data management, SaaS, security, and other disruptive consumer models, notably marketplaces and web brands, Alven offers more than just financial backing. Its platform team provides founders with essential growth support and expertise.
Ascension
HQ: London, UK
Sector Focus: Generalist
Investment Stage: Early-stages
Ascension VC is an early-stage venture capital firm that aims to back the next generation of tech and impact founders in the UK. It is one of the most active investors in London, participating in rounds from seed to Series A, as a lead or co-investor alike. The firm takes a hands-on approach in supporting its founders, providing not only capital but also strategic guidance and introductions to its network of angels and advisors. Ascension VC invests from a range of funds, including (S)EIS and Institutional Funds, as well as Social Impact Funds such as the Fair By Design, Good Food, Conduit, and Life Sciences Funds.
BlackFin Capital Partners
HQ: Paris, France
Sector Focus: fintech
Investment Stage: all stages
BlackFin Capital Partners positions itself as Europe's leading PE firm focusing exclusively on financial services buyouts and fintechs. The firm operates a dual-strategy model, allowing it to address different segments of the financial services market. The Buyout Strateg targets established, asset-light financial services businesses such as asset managers, brokers, and payment processors and Tech Strategy, with a dedicated venture fund, targets earlier-stage fintech companies.
Connect Ventures
HQ: London, UK
Sector Focus: AI, health, data and infrastructure, fintech, SaaS, marketplaces
Investment Stage: Pre-seed and Seed
Based in London, Connect Ventures is a thesis-led venture capital firm that has been investing in European product-led companies since 2012. The firm operates as venture generalists but product specialists, focusing on exceptional founders. Investing at the pre-seed and seed stages, Connect Ventures leads or co-leads rounds to support companies from the initial idea phase through to achieving product-market fit. While headquartered in the UK, the firm maintains a Europe-wide, high-conviction investment strategy.
Dawn Capital
HQ: London, UK
Sector Focus: Software
Investment Stage: Early stages
Dawn Capital is an early-stage venture capital firm that specializes in enterprise software and fintech investments across Europe. With a global mindset, it backs ambitious founders aiming to build category-defining companies that can scale internationally. The firm provides both capital and strategic guidance to help portfolio companies accelerate growth through talent acquisition, product development, and innovative business models.
DN Capital
HQ: London, UK
Sector Focus: fintech, SaaS, digital media, e-commerce, marketplaces, mobile applications and software companies
Investment Stage: from seed to Series B
DN Capital is a global venture capital firm founded in 2000 with offices in London, Berlin, and Silicon Valley. It specializes in early-stage investments, leading Seed, Series A, and select Series B rounds across various sectors, including fintech, SaaS, digital media, e-commerce, marketplaces, and mobile applications. The firm aims to leverage its extensive global network and financial expertise to support the growth of its portfolio companies on both sides of the Atlantic.
Eight Roads
HQ: London, UK
Sector Focus: healthcare and technology
Investment Stage: all stages
Eight Roads Ventures is a global venture capital firm with over 50 years of investing experience and $11 billion in assets under management. With a portfolio spanning over 300 companies worldwide, it specializes in backing game-changing technology, including fintech and healthcare ventures. Its global presence facilitates partnerships with entrepreneurs and investment teams across Asia, Europe, and the US.
Eleven Ventures
HQ: Sofia, Bulgaria
Sector Focus: Fintech, healthcare, future of work, and sustainable food
Investment Stage: Pre-Seed and Seed
Eleven Ventures is a leading early-stage VC in Southeast Europe, with a mission to empower "local heroes" from Central and Eastern Europe, providing the capital and support needed to build global companies. Eleven focuses its investments on four priority verticals: Fintech, Healthcare, Future of Work, and Sustainable Food. Having made over 170 collective investments, the firm has been a key catalyst in the development of the regional startup ecosystem. Beyond just capital, Eleven provides founders with hands-on support, access to network, and strategic guidance to help them scale.
EQT Ventures
HQ: Stockholm, Sweden
Sector Focus: Generalist
Investment Stage: all stages
EQT Ventures operates as a multi-stage venture capital fund, focusing on all stages of a startup’s growth — from early to Series B and beyond, primarily investing in European tech companies. Founded by former founders and entrepreneurs, EQT Ventures positions itself as an accessible, supportive, and committed partner, understanding the challenges and risks founders face. With offices in Stockholm, London, Berlin, Paris, and San Francisco, the fund employs a sector-agnostic approach with investments ranging from €2 million to €50 million
Force Over Mass Capital
HQ: London, the UK
Sector Focus: Generalist
Investment Stage: Pre-seed to Series A
Force Over Mass Capital is a London-based venture capital firm focused on early-stage technology investments across the UK and Europe. The firm distinguishes itself by applying a process and data-driven approach to investing, a methodology influenced by its founder's background in trading complex markets. Force Over Mass concentrates on B2B innovation, with a primary focus on Fintech, AI, SaaS, and Industry 4.0. The firm operates both seed and scale-up funds, allowing it to support companies throughout their growth journey.
Fuel Ventures
HQ: London, the UK
Sector Focus: Fintech, Artificial Intelligence, SaaS, and Industry 4.0
Investment Stage: from Seed to Series B
Fuel Ventures is an entrepreneur-led venture capital firm in London that backs ambitious tech companies from the pre-seed to Series A stages. As active investors, the team leverages its direct entrepreneurial experience to guide portfolio companies, assist with growth targets, and make introductions to follow-on investors. Their tickets range according to the specific fund and startup stage - up to £250k at pre-seed, £1-3m for scale-ups and £2-5m reserved for follow-ons.
Golden Egg Check
HQ: Enschede, The Netherlands
Sector Focus: Fintech, SaaS, AI, Computer Vision, Deep Tech and ClimateTech
Investment Stage: from Pre-seed to Series B
Golden Egg Check Capital is a European co-investment fund that backs startups wiith small ticket investments of up to €100k, typically in convertible notes, SAFEs, or equity. The fund partners with top angels and VCs, focusing on scalable, international tech companies—mainly B2B—in sectors like fintech, AI, deep tech, and climatetech. They offer value through a strong founder community and deep connections across the VC landscape to accelerate future fundraising. The fund favors diverse, complementary teams primarily in the Netherlands, Germany, Nordics, and Baltics.
Lakestar
HQ: Zurich, Switzerland
Sector Focus: AI, digitalisation, healthcare, deep tech, fintech and more
Investment Stage: all stages
Lakestar invests in visionary tech entrepreneurs from seed to growth stages, focusing on four key sectors: deeptech, healthcare, fintech, and digitalization. The firm's strategy emphasizes long-term partnerships, leveraging deep sector expertise to provide valuable insights and forward-looking perspectives. Lakestar's selective approach ensures it can offer meaningful support beyond capital, helping portfolio companies shape global modern life through technological innovation.
Motive Partners
HQ: London, the UK
Sector Focus: financial services, business services, and commerce
Investment Stage: Motive Ventures for early-stage and Motive Capital for growth and buyout
Motive Ventures is the firm's early-stage arm, tasked with identifying and backing emerging fintech innovators. The firm’s identity is built on what it calls a "fully-integrated" model, combining three distinct pillars of expertise: Investors, Operators, and Innovators. With offices in the key financial and technology hubs of New York City, London, and Berlin, Motive Partners maintains a strong presence across its target markets of North America and Europe.
Molten Ventures
HQ: London, the UK
Sector Focus: consumer, digital health and wellness, AI, deeptech, hardware, cloud, enterprise, and SaaS
Investment Stage: Series A and beyond
With offices in London, Cambridge, and Dublin, Molten Ventures focuses on Series A rounds and beyond, targeting companies tackling significant technological challenges across various sectors. Molten’s latest fund aims to capitalize on its established approach of identifying and nurturing Europe's tech leaders in sectors including hardware, software, healthcare, and consumer technology.
Northzone
HQ: London, the UK
Sector Focus: healthcare, semiconductors, fintech, software, hardware, artificial intelligence, blockchain, and gaming industries
Investment Stage: all stages
Northzone is a multi-stage VC committed to supporting startups from seed to growth stages. In the seed phase, it provides guidance and resources to help founders realize their vision. As companies progress to Series A and B, the fund looks for strong founding teams and viable products targeting substantial market opportunities, supporting global expansion. Following its €1 billion fundraise in 2022, Northzone offers checks ranging from €1 million to €40 million.
Notion Capital
HQ: London, the UK
Sector Focus: Saas
Investment Stage: all stages
Notion Capital is a London‑based venture capital firm founded in 2009 that partners with exceptional founders to build high‑growth B2B SaaS and cloud technology companies across Europe. They invest from seed through Series B+, typically writing checks between €1.5 M and €5 M, with a recent fifth fund closed at €300 M. Beyond capital, Notion offers a deep operational support, and access to a network of experts to accelerate go‑to‑market, product strategy, and team growth
Octopus Ventures
HQ: London, the UK
Sector Focus: B2B software, bio, climate, consumer, deeptech, fintech, health, HRtech
Investment Stage: all stages
Octopus Ventures is a pan-European investor with a strong presence in the UK and US and a global approach to investing. It engages across pre-seed, seed, Series A, and beyond stages. The fund’s pre-seed investments can begin even before product development, with an average investment of £100,000. It also provides seed funding, Series A, and beyond, typically starting at £1 million.
Portfolio Ventures
HQ: London, the UK
Sector Focus: Fintech, SaaS & verticalised AI
Investment Stage: Seed
Portfolio Ventures operates on a "network-as-a-service" model. The primary product it offers to founders is not capital itself, but rather curated access to its LP base of experienced angel investors and operators. The firm invests at the early stages, with a focus on Seed rounds in Fintech, SaaS, and verticalised AI companies.
Runa Capital
HQ: Luxembourg
Sector Focus: deeptech, enterprise software, and fintech infrastructure
Investment Stage: all stages
Runa Capital specializes in seed, Series A, and Series B investments across cloud business applications, fintech, edutech, and digital healthcare sectors. Its investment tickets range from $1-$10 million. With key locations in Silicon Valley, London, Berlin, Paris, and Luxembourg, and a transatlantic network spanning over 15 countries, Runa Capital offers founders access to global markets and support in areas such as recruiting, fundraising, and sales growth.
Seventure Partners
HQ: Paris, France
Sector Focus: digital technologies and life sciences
Investment Stage: all stages
Seventure Partners focuses on the digital and life sciences verticals. With expertise in technology and entrepreneurship, Seventure actively partners with innovative companies across various market segments, including biotech, fintech, blue economy, nutrition, sports & wellbeing, and more. Seventure provides expertise, networks, and know-how to entrepreneurs, aiming to accelerate their growth from the seed to growth capital stages.
SFC Capital
HQ: London, the UK
Sector Focus: Generalist
Investment Stage: early stages
SFC Capital is a prominent player in the UK's early-stage investment world, positioning itself as a leader in providing seed capital to promising British startups. The firm operates a unique model that combines an angel syndicate with its own managed seed investment funds, allowing investors to back high-potential startups either directly or through a diversified portfolio.
Speedinvest
HQ: Vienna, Austria
Sector Focus: deeptech, fintech, health, techbio, climate tech, industrial tech, marketplaces & consumer, SaaS
Investment Stage: all stages
Speedinvest is a pan-European venture capital firm that offers an extensive industry-specific network connecting portfolio companies with other founders and experts at every stage. The fund’s initial ticket size ranges from €300,000 to €2 million for SaaS and from €250,000 to €15 million for fintech, depending on the market segment. Speedinvest primarily invests in pre-seed and seed-stage startups, except for Series A and B startups in fintech.
Startup Wise Guys
HQ: Tallinn, Estonia
Sector Focus: extended reality, SaaS, sustainability, fintech, cybersecurity, proptech, Web3
Investment Stage: all stages
Startup Wise Guys, one of the most active venture investors and accelerators in Europe since 2012, fuels early-stage startups' growth through expertise, funding, and skills. Focusing on underserved markets, it targets B2B founders and makes follow-on investments in top-performing teams. Diversifying across hundreds of companies in Europe, Africa, and beyond, Startup Wise Guys invest in verticals like SaaS, fintech, cybersecurity, cleantech, Industry 4.0, and extended reality.
Tenity
HQ: Zurich, Switzerland
Sector Focus: fintech
Investment Stage: Early stages
Tenit is a global innovation ecosystem and early-stage investor, highly specialized in fintech ventures, including insurtech, regtech, and other technology ventures with direct applications for the financial industry. From its Swiss origins, Tenity has expanded into a global organization with a significant European footprint, including hubs in Madrid, Tallinn, London, and Istanbul, in addition to its Asian headquarters in Singapore. For startups, Tenity offers access to its corporate network, facilitating collaborations, proof-of-concepts, and pilot programs that are critical for validation and early revenue.
Verve Ventures
HQ: Zug, Switzerland
Sector Focus: deep tech
Investment Stage: Early stages
Verve Ventures is an early‑stage venture capital firm based in Zug, Switzerland, with additional presence in London, Zurich, Paris, and Berlin. It invests in science‑ and deep‑tech companies, especially in healthcare, fintech, mobility, AI/ML/NLP, robotics, climate, and industrial technologies, across Europe and the US. Initial checks range from €0.5 M to several million euros across seed and later rounds, supported by a digital platform connecting private and institutional investors. The firm leverages a technical network of PhDs, professors, and industry veterans to source, vet, and mentor portfolio companies.
