Portugal has steadily emerged as one of Europe’s most promising fintech destinations. What was once a quiet financial services market has transformed into a vibrant ecosystem where startups are rethinking payments, banking, lending, compliance, and digital finance for both businesses and consumers. Supported by progressive regulation, strong engineering talent, and an increasingly international outlook, Portuguese fintech startups are no longer confined to local relevance. Many are now exporting technology, attracting global clients, and competing directly with well-established players across Europe and beyond. Top 10 FinTech startups in Portugal that are shaping the country’s financial future in 2026.
1. Feedzai – Setting the Global Standard for Fraud Prevention
Feedzai is widely regarded as Portugal’s fintech crown jewel. Founded in Coimbra, the company uses artificial intelligence and machine learning to detect fraudulent transactions in real time. Its technology protects billions of euros in payments every year for banks, merchants, and payment processors worldwide. What sets Feedzai apart is not just its scale, but its reliability. In an industry where trust is everything, Feedzai has built a reputation as a global authority in financial risk and fraud prevention.
2. EbankIT – Powering the Digital Banks of Tomorrow
EbankIT develops comprehensive digital banking platforms that help traditional banks modernize their services without rebuilding their entire infrastructure. From mobile banking to omnichannel customer experiences, the company enables financial institutions to meet the expectations of today’s digital-first customers. With deployments across Europe, Africa, and the Americas, EbankIT plays a crucial role in the global digital banking transformation.
3. Easypay – Simplifying Digital Payments for Businesses
Easypay is a regulated Portuguese payment institution offering a wide range of digital payment solutions. Its platform supports online businesses, marketplaces, and subscription services with tools for invoicing, recurring payments, and local payment methods such as Multibanco. By focusing on simplicity, security, and compliance, Easypay has become a trusted payment partner for thousands of Portuguese and international merchants.
4. Rauva – A Financial Operating System for SMEs
Rauva is reimagining financial services for small and medium-sized enterprises. Instead of fragmented tools, the startup offers an integrated platform that combines business formation, corporate banking, debit cards, invoicing, and financial management. For entrepreneurs, Rauva removes bureaucracy and complexity, allowing them to focus on growing their businesses rather than navigating outdated financial systems.
5. Paynest – Putting Employee Financial Wellbeing First
Paynest operates at the intersection of fintech and human resources. Its platform allows employees to access earned wages early, build savings, and improve financial resilience, while employers benefit from improved retention and engagement. As financial wellbeing becomes a strategic priority for modern companies, Paynest is positioning itself as a key player in the future of workplace benefits.
6. IVPAY – Bridging Traditional Payments and Crypto
IVPAY enables businesses to accept cryptocurrency payments alongside traditional payment methods. Rather than positioning crypto as a replacement for fiat currency, IVPAY focuses on interoperability, making digital assets practical for everyday commerce. This hybrid approach has made the startup particularly attractive to e-commerce businesses and international merchants seeking payment flexibility.
7. AllStructuredNotes – Making Complex Finance More Accessible
AllStructuredNotes (ASN) is tackling one of the most complex areas of finance: structured products. The company’s technology simplifies the issuance, management, and discovery of structured financial instruments, making them more transparent and accessible to investors. By bringing clarity to an often opaque market, ASN is contributing to a more inclusive financial ecosystem.
8. Zoop – Fintech for the Creator Economy
Zoop is building financial infrastructure tailored to creators, communities, and digital platforms. Its tools help users manage payments, monetize audiences, and create new financial products centered around engagement and trust. As the creator economy continues to expand, Zoop’s fintech-first approach positions it well in a rapidly evolving market.
9. HolyWally – White-Label Digital Wallets at Scale
HolyWally provides white-label digital wallet solutions that allow companies to launch branded financial services quickly. From payments and loyalty programs to embedded finance features, HolyWally enables businesses to enter the fintech space without heavy technical investment. Its modular approach has made it particularly attractive to enterprises exploring embedded finance strategies.
10. Finvex.tech – Unlocking Finance for Growing Businesses
Finvex.tech focuses on improving access to financing for small and medium-sized enterprises. By digitizing trade finance and working capital solutions, the company helps businesses secure liquidity more efficiently and transparently. In a market where SMEs often struggle to access traditional financing, Finvex.tech provides a much-needed alternative.
Portugal’s FinTech Story Is Just Beginning
Portugal’s fintech success is built on more than innovation alone. A supportive regulatory environment, strong technical education, and increasing collaboration between startups, banks, and investors have created fertile ground for financial technology to thrive. As these startups continue to scale internationally, Portugal is no longer simply adopting global fintech trends it is actively shaping them. The coming years are likely to see even more Portuguese fintech companies expanding abroad, raising significant capital, and redefining how financial services are built and delivered.
Portugal’s fintech ecosystem has matured into a sophisticated and outward-looking innovation hub, characterized by a growing number of startups addressing systemic inefficiencies in global finance. These companies are not merely digitizing legacy processes; they are redesigning financial infrastructure to be more inclusive, resilient, and user-centric.
From Feedzai’s AI-driven fraud prevention systems to Rauva’s integrated SME financial platforms and Paynest’s employee-centric financial wellbeing solutions, Portuguese fintech startups demonstrate a rare balance between technological depth and practical application. Their success reflects a broader shift in Portugal’s economic identity from peripheral market to influential fintech innovator within Europe. As capital inflows increase and international adoption accelerates, Portugal’s fintech sector is poised to play a defining role in the next phase of financial transformation.