The Austrian startup scene is prosperous, with more than 3,400 new companies launched since 2012, creating around 31,000 jobs and leading innovation in various sectors, from artificial intelligence (IA) to health care, according to to the Austrian economic chamber (Wirtschaftskammer Österreich).
Among the remarkable sectors is the fintech, which quickly gained ground in the entrepreneurial landscape of Austria. The sector has seen the rise of some of the most notable startups in the country, including Bitpanda, an investment platform worth $ 4.11 billion And the most precious technological startup in Austria. By 2025, Fintech represented around 3% of the Austrian technological scene, with approximately 100 fintech companies, research of Oenpay shows.
While the Fintech sector continued to grow in 2024, we today examine some of the most promising fintech startups in Austria. These companies experienced significant growth last year and are now ready to have an even greater impact in 2025.
Enthusiastic
Founded in 2020 and based in Vienna, between East A leading world service provider for the commercial optimization of electrical assets. The company offers technologically advanced, data -based and entirely digital negotiation services, helping asset owners to maximize profitability while minimizing the market time.
Basically, hampered combination Artificial intelligence (AI), advanced algorithms and real -time data to provide trading solutions as a higher service (TAAS). Its internal trading platform developed to be the fastest on the European short-term electricity market, allowing customers to monetize the full potential of their flexibility with a minimum of market time.
ENSPIRED serves the European market as its basis of reception, but has its objective on global expansion. In May 2024, the company raised 25.5 million euros in the financing of the B series to fuel its growth, Tech.eu reported. The company plans to use the product to develop in Asia and the United States after the “solidification” of operations across Europe.
ENSPIRED has prepared its product by integrating adaptability to new markets, use cases and income sources within its trading platform. By 2035, its commercial infrastructure aims to allow 50 GW of flexibility.
With his daring vision, his advanced AI-focused platform and his solid financial support, ENSPIRED is a startup of Austrian fintech to watch in 2025.
Whisk
Founded in 2020 and based in Vienna, Froots East A digital asset manager that aims to make the capital market and private banking services accessible to all. The company takes advantage of advanced technology to provide exclusive wealth management services to all and a fraction of the usual costs.
Whisk uses An active / passive approach to portfolio management which combines the accuracy of active decision -making with the profitability of passive investment instruments. Actively, FROOTS selects products according to a proven investment strategy, scientific information and years of experience, adapting portfolios to the objectives of each customer and adjusting asset allowances over time to minimize the risk useless. Passively, FROOTS invests in funds negotiated on the stock market (ETF) and negotiated stocks (ETF) products to ensure diversification and profitability.
Portfolios generally include a mixture of bonds, shares and products like gold, and customers can start investing with as little as EUR 75 per month or a single contribution of EUR 1,500, guaranteeing accessibility.
FROOTS AVICE TOST FOLLOWS All-in ranging from 0.7% to a maximum of 1% per year, invoiced quarterly, which covers all account management services for management and portfolio transactions.
Whisk farm A financing cycle of 2.5 million euros in June 2024, bringing its total to 7 million euros, according to the co-founder and CEO David Mayer-Heinisch. The company plans to use the product to invest in products and advertising. He also wishes to extend his services to a wider audience, including traditional savers and private banking customers.
Monkey
Based In 2018 and whose headquarters are in Innsbruck, Monkee aims to reshape personal finances with its innovative approach “Save Now, buy later”. The company provides a platform that helps users save more money for them, which allows users to prioritize financial stability.
The Monkee application is gaming savings plans, encouraging users to save for a clear purpose and consuming judiciously, while collaborating with more than 500 commerce partners to offer attractive cashback opportunities. The company claims 300,000 application downloads and savings objectives exceeding 250 million euros, highlighting an increasing accent on financial health and the full traction of its platform.
The Monkee reached important milestones in 2024. In June, it was appointed rising star of the year in the Fintech and Surtech category by EY, recognized for its innovative solution and its growth potential. In April, he increased “a seven -figure investment” in April 2024 to continue its growth and expansion, Tech.eu reported. Monkee plans to use the product of its fundraising to strengthen its product offers, in particular in the field of long -term economies, as well as to improve customer confidence through partnerships with trusted financial institutions.
The company also announced a partnership with Vereinigte Volksbank Raiffeisenbank, for example, extending its scope to more than 150,000 account holders.
These achievements make Monkee one of the best fintech startups in Austria to watch this year.
Herd
Founded in 2019 and whose headquarters are in Graz, Trever is a financial infrastructure startup. The company’s software provides banks and other financial organizations with compatible infrastructure which allows trade, transfer and accounting of digital assets.
The Trever platform is designed to meet the evolution needs of financial institutions, offering a single connection modular system which ensures maximum flexibility and simplicity. This approach allows financial institutions to start negotiating with a quick solution to go beyond and to extend it as their business model evolves.
Trever customers include Eminent banks in the German, Austrian and Swiss region (Dach), including V-Banc, Bankhaus Scheich and Futurum Bank.
Herd guaranteed An investment of 2.4 million euros in July 2024. The financing cycle, co-directed by TX Ventures (CH) and Market One Capital (LUX), will be used to enter the new European markets more quickly, positioning the Start of growth in 2025.
Fiskaly
Founded in Vienna in 2019, Fiskaly East A supplier of tax solutions in Europe. The company offers specific application programming (API) interfaces based on the cloud based on the Cloud for all aspects of reception, helping retailers and points of sale (POS) comply with tax regulations.
The innovative infrastructure of innovative software as a service (SaaS), including its signs taxation software, prevents falsification of taxes by generating unique digital signatures for transactions, guaranteeing compliant to the country’s specific laws.
Its certified TSS for Germany is the market leader, integrated into more than 600,000 cashier and impacting millions of users per day. By digitizing receipts in stationary points of sale, the solution offers a new customer experience via a sustainable and paperless alternative, while optimizing business processes.
Fiskaly, which operates offices in Vienna, Berlin and Frankfurt, serves more than 800 business customers in company (B2B) within the retail technology industry, notably Orderbird, Lightspeed, Sumup and Ready2.
Fiskaly recorded impressive growth, reaching more than 10 million euros in recurring income in 2023 with growth rates from year to year (annual shift) exceeding 30%. In June 2024, the company guaranteed An investment in Verdane, a European specialized growth investment company, to strengthen its market positions in Germany, Austria and Spain. Funding will also support Fiskla’s plans to enter new markets, including Italy, where it began Operations in October 2024.
These achievements make Fiskaly a startup fintech of Austria to watch in 2025.
Star image: edited from freepik