Fintech funding is rebounding in Germany, reaching EUR 1.2 billion in H1 2026, according to data from Tech.eu’s Funding Explorer. The figure represents a significant increase from previous periods, marking a 196% increase from EUR 405 million in H2 2025, and a 9% increase year-over-year (YoY) from EUR 1.1 billion in H1 2025.

In H1 2026, fintech was the second most funded startup category in Germany, representing 19% of all startup funding, debt and equity combined. This is a notable improvement from ranking fifth in H2 2025, and third in H1 2025, reflecting renewed interest in sector.

Germany also performed strongly on the regional level, emerging as the second-largest recipient of fintech funding in Europe, trailing only the UK at EUR 1.9 billion. The country secured 26% of all fintech funding in Europe in H1 2026, underscoring the momentum for German fintech this year.

Top fintech rounds in Germany in H1 2026

Cloover, a green fintech startup, closed EUR 1.4 billion in January, comprising a EUR 18.8 million Series A, and a EUR 1.02 debt facility. This round was the largest fintech funding round in H1 2026 in Europe, and will be used by Cloover to expand into additional European markets, deepen its platform with further AI-driven workflow automation and financing products. Founded in 2003, Cloover provides financing infrastructure for clean-energy upgrades, enabling companies to offer customers flexible payment options for products like solar panels and heat pumps.

Upvest, an investment infrastructure provider, raised US$125 million (EUR 109 million) in March, consisting of a US$90 million (EUR 79 million) equity round and a US$35 million (EUR 31 million) debt facility. Upvest’s funding round was the 9th biggest fintech rounds in Europe in H1 2026. The proceeds will be used to expand its portfolio of products and capabilities. Founded in 2017, Upvest provides banks, brokers, and wealth managers with modern, API-based infrastructure for their securities business.

Taktile, a fintech software company, secured a US$110 million (EUR 96 million) Series C in June to enhance its AI solutions for complex banking and insurance use cases, and expand its global footprint across the US, Europe, the Middle East and Africa (EMEA), and Latin America (LatAm). Founded in 2020, Taktile provides a modular “Agentic Decision Platform” that allows financial institutions to combine artificial intelligence (AI) agents, rules, relevant context, and human oversight to automate and optimize their decisions.

Top VCs in Germany

German tech startups in Germany raised a total of EUR 6.4 billion in funding in H1 2026. Top venture capital (VC) investors in Q2 2026 were High-Tech Grunderfonds (HTGF), with 11 deals during the quarter, along with Bayern Kapital, IBB Ventures, the EIC Fund, and Technologiegrunderfonds Sachsen, each completing six transactions, according to data from Startupdetector, an online platform focused on the German startup ecosystem. However, none of these investors participated in the domestic fintech landscape during the period.

HTGF is a public-private VC investment firm based in Bonn, Germany. It is one of the leading and most active VC investors in Germany and Europe, financing startups in the fields of deeptech, industrial tech, climate tech, digital tech, life sciences and chemistry.

Since its inception in 2005, HTGF has financed approximately 800 startups and successfully sold shares in 200 companies.

Bayern Kapital is a VC firm based in Landshut, investing in innovative startups and high-growth technology companies, particularly those based in Bavaria. It is a subsidiary of LfA Forderbank Bayern, a regional development bank, and has completed over 380 investments with a participation volume of EUR 1.3 billion.

IBB Ventures is a Berlin-based VC firm that invests in innovative startups, primarily in technology-driven sectors. It is the VC arm of Investitionsbank Berlin (IBB), a development bank and central promotional institute of the state of Berlin, and has deployed EUR 300 million in funding as lead and partner, backing more than 310 tech startups across healthcare, industrial tech, and software and information technology.

The EIC Fund is an investment fund established by the European Commission to provide equity financing to high-potential European startups and scale-ups. It primarily supports deeptech companies emerging from the European Innovation Council, investing alongside private investors to help innovative companies.

To date, more than 300 companies across 25 countries have received investment from the EIC Fund, with investment agreements signed totaling more than EUR 1.4 billion.

Finally, Technologiegrunderfonds Sachsen (TGFS) is an equity investor for knowledge-based, technology-oriented startups in the federal state of Saxony. It is the leading startup investor in Saxony and has supported more than 100 startups, with total investment volume of EUR 241 million, since its launch in 2008.

Featured image: Edited by Fintech News Switzerland, based on image by user21727184 via Magnific