Neobanks in Germany
These 8 are headquartered in Germany — parsed from the registered base of each company, so the count is complete. Availability is a different and much harder question: it is verified for 11 products in Germany so far, out of 368 tracked, so a neobank missing from the second table below has not been ruled out — it has not been checked. Corrections are welcome on GitHub.
The 8 based in Germany
| neobank | type | hq | custody | licence / structure | reported users |
|---|---|---|---|---|---|
| Bling | traditional | Berlin, DE | Custodial | E-money distributor of Treezor (ACPR-licensed French EMI, Société Générale group) | — |
| C24 Bank | traditional | Frankfurt, DE | Custodial | Full German banking licence (BaFin); CHECK24 subsidiary | — |
| Fyrst | traditional | Bonn, DE | Custodial | Brand of Deutsche Bank AG — full German banking licence (ECB/BaFin); Postbank rails | — |
| Kontist | traditional | Berlin, DE | Custodial | Partner bank (Solaris SE, BaFin-licensed); German IBAN accounts | — |
| N26 | traditional | Berlin, DE | Custodial | German banking licence | — |
| Tomorrow | traditional | Hamburg, DE | Custodial | Partner bank (Solaris SE, full German banking licence, BaFin-supervised) | — |
| Trade Republic | traditional | Berlin, DE | Custodial | German full banking licence (2023) | — |
| Vivid Money | traditional | Berlin, DE | Custodial | E-money institution (Vivid Money S.A., CSSF Luxembourg + DNB branch); AFM investment firm; MiCAR CASP (2025) | — |
Also verified as available in Germany
8 more products are verified as available to customers in Germany without being based there. This list is as complete as the availability field, which is to say partial.
| neobank | type | hq | custody | licence / structure | reported users |
|---|---|---|---|---|---|
| Tide | traditional | London, UK | Custodial | E-money; deposits via ClearBank | — |
| bunq | traditional | Amsterdam, NL | Custodial | Dutch banking licence | — |
| Qonto | traditional | Paris, FR | Custodial | Payment institution (ACPR); pursuing credit licence | — |
| Nickel | traditional | Paris, FR | Custodial | Payment institution (Financière des Paiements Électroniques, ACPR no. 16598); BNP Paribas subsidiary | — |
| Klarna | traditional | Stockholm, SE | Custodial | Swedish banking licence | — |
| Revolut | hybrid | London, UK | Custodial | UK banking licence (2024); EU licence (Lithuania) | 50M customers (2025) |
| Bitpanda | hybrid | Vienna, AT | Custodial | MiCA (AT); BaFin licences | — |
| Moneco | traditional | Paris, FR | Custodial | Accounts and cards via regulated EMI partners (Europe/US); Moneco Canada registered with FINTRAC | — |
Common questions
Neobanks in Germany: how many are there?
8 of the 368 neobanks tracked here are headquartered in Germany. Every entry is verified active and listed on this page with its custody model, licence detail and the regions it serves.
Which neobanks in Germany are the largest?
Not answerable from public data: only 0 of these 8 disclose a user figure at all. The list below is therefore not a ranking, and anyone presenting one for this category is guessing.
How is this list of neobanks in Germany built?
These 8 are headquartered in Germany — parsed from the registered base of each company, so the count is complete. Availability is a different and much harder question: it is verified for 11 products in Germany so far, out of 368 tracked, so a neobank missing from the second table below has not been ruled out — it has not been checked. Corrections are welcome on GitHub.
Related
Neobanks in United States (63) · Neobanks in United Kingdom (29) · Neobanks in France (11) · Neobanks in Brazil (10) · Neobanks in Argentina (9) · Neobanks in Mexico (11) · Neobanks in Colombia (7) · Neobanks in India (12)
Figures compiled from public sources, for comparison only — not financial advice. "Up to" rates change constantly; always confirm with the issuer. Spotted an error? Suggest a fix.