Sectors/Fintech/2026/January

Fintech funding in January 2026

European Fintech startup funding raised during January 2026.

In January 2026, 22 European Fintech companies raised a combined €1.5B across 23 funding rounds, up 77.0% versus January 2025. Germany led by capital raised, and Alert Venture Foundry was the most active investor. Data as of 9 Jul 2026.

Total funding

€1.5B

+77.0% vs January 2025

Funding rounds

-28.1% vs January 2025

Companies

Top country

Germany

Rank among sectors

29.7% of sector funding

Debt financing

€1.1B

73.9% of total

Top-10 round share

97.6%

of disclosed capital

Rounds ≥ €100M

Top countries

by € raised

Stage mix

by € raised

Exits & M&A

9 Acquisition

9 exits · €28M disclosed.

Top deals

largest disclosed rounds in January 2026

Company	Stage	Date	Amount
Cloover	Debt	Jan 2026	€1.0B
Pennylane	Other	Jan 2026	€171M
Sokin	Debt	Jan 2026	€84M
Stream (formerly Wagestream)	Series D+

View all 23 Fintech deals in January 2026 →

Top investors

most active in January 2026, by deal count

← All 2026 Fintech funding