The best-funded fintech startups in the Netherlands in 2026

Dutch fintech startups attracted substantial investment again in 2026, from Munich to New York. Funding rounds are clustering around a handful of themes: AI-driven fraud detection, compliance automation and modern payments infrastructure. Investors are looking primarily at platforms that can demonstrably scale across borders.

A look at the most well-funded companies reveals which problem areas are drawing international capital and where the Dutch fintech scene is currently at its strongest.

Silverflow leads with payments infrastructure for acquirers

Amsterdam-based Silverflow closed a $40 million Series B in March 2026, led by Munich-based Picus Capital. Rabo Investments, Inkef, GPT, Crane and Coatue also participated. This brings total capital raised to over $76 million across five rounds.

Silverflow offers acquirers and merchants a single API for payment processing, positioning itself as an alternative to legacy infrastructure. Clients including Deutsche Bank, Bolt and Buckaroo are already using the platform. The company is approaching one billion processed transactions per year and is targeting $100 billion in annual payment volume. With the new funding, Silverflow plans to grow its headcount from 85 to around 120 employees, with a focus on software engineering and product development.

FRISS and Duna: fraud and compliance as investment themes

Utrecht-based FRISS, founded in 2006, has raised a total of nearly $89 million. Its largest round was a $65 million Series B led by Accel-KKR and backed by Aquiline. FRISS automates fraud detection for property and casualty insurers and operates in more than forty countries. The platform is used by 132 insurers across 26 countries. In addition to its headquarters in Utrecht, the company has offices in the US, the UK, France, Spain and the DACH region.

Amsterdam-based Duna raised a €30 million Series A in February 2026, led by CapitalG, Alphabet's growth fund. Index Ventures, Puzzle Ventures and Snowflake chairman Frank Slootman also participated. Duna, founded in 2023 by former Stripe executives Duco van Lanschot and David Schreiber, is building an AI platform for business onboarding and compliance. Clients including Plaid, CCV, Moss and SVEA Bank report more than ten times faster onboarding and a productivity gain of nearly five times through automation of KYC, KYB, CDD and AML.

Stacks and Neno: AI for financial administration

Stacksfounded in 2024 by Albert Malikov and former Uber and Plaid executives, announced a $23 million Series A in February 2026, led by Lightspeed. EQT Ventures, General Catalyst and S16VC doubled their earlier stakes. Total capital raised stands at $88 million. The platform automates the monthly financial close for accounting teams, including reconciliations and journal entries. More than thirty enterprise clients, among them Epidemic Sound, Pleo and Cleo, collectively report saving over 100,000 hours per year. Close cycles are cut in half and manual reconciliations are reduced by 97%.

The youngest company in this overview is Neno, founded in early 2026 by Nick Knuppe. In August 2026 it closed a €6.6 million seed round led by New York-based AlleyCorp. Motive Partners, Firstminute Capital and angels from the worlds of Hugging Face, Mollie, Coinbase and PayPal also invested. Neno targets SME entrepreneurs and automates bookkeeping and tax administration through an AI-native platform. The funding will go in part towards Neno Labs, an R&D unit focused on so-called Ambient AI.

Smaller rounds round out the ecosystem

Alongside the larger rounds, several companies are serving specific niches with more modest funding. BOTS Capital from Haarlem raised €30 million for automated investment strategies for retail investors. Amsterdam-based ThreatFabric, active in fraud detection for online banking serving around 60 million customers, received €11.5 million in a seed round in 2024. Flytxt from Nieuwegein, with an AI platform for customer value management in telecoms and financial services, closed a €15 million Series B in 2022.

Amsterdam-based Fraudio focuses on AI-driven fraud detection and AML for the payments ecosystem and raised €2.1 million in a seed round. AdviceRobo from The Hague, which applies behavioural science to improve credit decisions, raised a €6.4 million Series A in 2018. Owlin, specialising in continuous risk monitoring for financial institutions, received €3.8 million in 2020. Finally, Finturi offers electronic invoicing for freelancers and small businesses and raised €2 million.

What appeals to investors

Funding patterns show a clear preference for platforms that deliver demonstrable efficiency gains within existing financial processes. Fraud detection, compliance automation and payments infrastructure recur consistently, in both large and smaller rounds. The ability to scale across multiple markets carries significant weight: FRISS, Silverflow and Duna all already operate outside the Netherlands.

A second pattern is the rise of AI-native startups tackling traditional back-office processes, from the monthly close at Stacks to bookkeeping at Neno. The backers behind these companies are increasingly based in the US or operating from pan-European funds, indicating that the Dutch fintech scene is viewed as a launchpad for broader expansion. For other founders and investors in the ecosystem, that is a clear signal: international orientation and demonstrable time savings or cost reduction appear to be the strongest arguments for attracting capital.