Starling Bank Revenue, Valuation, Funding & Investors

C6 Bank is a São Paulo-headquartered digital bank offering checking accounts, credit cards, investments, loans, and multi-currency wallets exclusively through its mobile app. Launched in 2019, the bank serves over 20 million Brazilian customers without physical branches, integrating services like free toll payments and global transfers. C6 Bank partners with Mastercard and holds a full banking license from Brazil's central bank.

OakNorth is a digital bank providing loans to small and medium enterprises overlooked by traditional lenders. London-headquartered, the neobank offers secured property finance, working capital facilities, and term loans for hospitality, social housing, education, and healthcare sectors across the UK. It uses AI-powered credit analysis for rapid underwriting. Founded in 2015, OakNorth supports developers and operators with tailored debt products.

bunq is an Amsterdam-headquartered mobile bank that delivers current accounts, savings options, debit cards, and payment processing through its app. Established in 2012 and regulated by De Nederlandsche Bank, it supports up to 25 sub-accounts for budgeting, real-time transfers via SEPA Instant, Apple Pay integration, and carbon offset features where users plant trees per transaction. The bank exposes open banking APIs for third-party integrations and emphasizes sustainability alongside features like travel insurance and investment products.

Kapital is a Mexico City-headquartered digital bank serving individual clients with core financial products. It maintains online accounts for deposits and payments, investment options in funds and stocks, and credit lines including personal loans. Users handle international transfers and utility bills through its mobile app available in Mexico and select Latin American markets.

Mambu is a Berlin-headquartered SaaS cloud core banking platform enabling composable financial services for banks, fintechs, and retailers in 60 countries. Serving more than 200 clients, the modular architecture assembles lending, deposits, payments, and cards engines via open APIs for rapid product launches. Founded in 2011, Mambu powers digital banks like N26 and OakNorth with scalable infrastructure hosted on AWS.

Klarna is the largest pure-play in the buy now, pay later space. The company operates a two-sided network with a payment method at its core, but it is ultimately a lender. Merchants sign up with Klarna to increase turnover in their stores. Primarily, Klarna can provide merchants with higher conversion rates and average order values relative to other payment methods. Some merchants enter a symbiotic relationship with Klarna, advertising its brand on the product page to drive conversion and to benefit from Klarna’s brand value in the merchant’s sales funnel. Customers use Klarna for its ease of use, quick access to credit, zero-interest financing, and lower reminder fees.

MTN Group Fintech is the financial technology division of MTN Group, Africa's largest mobile network operator headquartered in Johannesburg, South Africa. The unit delivers mobile money services under the MoMo brand, including payments, remittances, savings, loans, and insurance across 17 countries in Africa and the Middle East. Launched in 2019, MTN Fintech partners with banks and regulators to expand digital financial inclusion, processing billions in transaction value annually through its API-driven platform.

Mercury is a financial technology company delivering digital banking for startups and tech firms. It provides checking and savings accounts, debit cards, wire transfers, ACH payments, and treasury management through a web and mobile app. San Francisco-headquartered Mercury integrates with QuickBooks, Xero, and Stripe for automated bookkeeping and offers FDIC insurance up to $5 million via partner banks like Evolve Bank & Trust. Launched in 2017, Mercury serves venture-backed companies with API-driven tools for programmable finance and embedded banking.

Qonto is a digital banking platform for European SMEs, freelancers, and startups, offering business accounts, cards, invoicing, and expense management via mobile app and web. It supports multi-currency transfers, SEPA payments, and integrations with accounting software like Xero and QuickBooks. Paris-headquartered, Qonto operates in France, Germany, Italy, Spain, and Belgium, holding banking licenses through partnerships with Solarisbank and Trees. Founded in 2017, the neobank serves over 450,000 businesses with real-time notifications and automated reconciliation.

Plata is a Mexico City-based fintech providing a no-annual-fee Mastercard credit card and buy-now-pay-later service. The platform offers up to 15% customizable cashback in partner categories, interest-free installments, Apple Pay support, and 24/7 fraud monitoring. Plata Difiere extends installment credit up to MXN 200,000 over 3-24 months without cards. Users manage digital cards and top-ups via app or cash at OXXO stores, targeting underserved consumers in Mexico's digital payments market.

Monzo is a London-headquartered digital bank serving customers in the United Kingdom and United States. The app provides current accounts, savings pots, overdrafts, and investment products with instant transaction notifications. Monzo issues Mastercard debit cards and offers joint accounts for shared budgeting. Expanded from prepaid cards in 2016, the bank holds a full UK banking license and operates branches in Cardiff and Manchester. Monzo integrates Open Banking APIs for seamless transfers from Barclays and Lloyds.

Avanza Bank Holding AB is a digital bank that operates in Sweden and serves predominantly private customers. The bank emphasizes its online to drive lower costs for its deposit base based on the law of large numbers. Its cost base is centered on a high percentage of fixed costs and personnel costs. The bank does not charge its customers fixed fees or deposit fees. Income is generated when customers carry out transactions themselves, predominantly through brokerage fees from securities trading, net interest income from deposits and lending, fund commissions, foreign exchange income, and other income from suppliers of investment products. Over the long term, income growth depends on the bank's ability to grow savings capital.

Dave Inc is a financial services company. It is engaged in offering banking app that offers its customers banking, financial insights, overdraft protection, building credit and finding side gigs.

NOBA Bank Group AB (publ) is a European specialist bank operating through three brands: Nordax Bank, Bank Norwegian, and Svensk Hypotekspension. It offers retail financial products in four main segments: Private Loans, Credit Cards, Secured Loans (including specialist and equity release mortgages), and Other services such as deposits. Geographically, the company operates in eight countries, with a presence in the Nordic region (Sweden, Norway, Finland, Denmark), as well as Germany, Spain, the Netherlands, and Ireland. The company serves over two million customers across these regions, with lending activities covering private loans in the Nordics, credit cards in the Nordics and Germany, and deposit products available in all these markets.

Rakuten Bank Ltd is engaged in the banking business through an electronic medium.

KakaoBank Corp offers banking and other financial services. It offers a range of banking services such as deposits, lending, debit/credit cards, and international money transfers. It also provides various card products and digital financial services tailored for individuals, groups, and small business owners.

Wealthsimple is a Toronto-headquartered neobank offering automated investing, commission-free trading of stocks, ETFs, options, and cryptocurrencies, plus chequing accounts with 2.75 percent interest. Users build managed portfolios from $1 with 0.4-0.5 percent fees, file taxes via SimpleTax, and access credit cards. Serving 2 million Canadians, it holds banking licenses from major regulators.

Upgrade is a San Francisco-headquartered fintech company delivering personal loans, home improvement financing, auto loans and refinancing, plus credit cards that convert to fixed-rate installment plans. Its offerings extend to high-yield savings and rewards checking accounts, credit monitoring services, and educational resources for credit management. Upgrade Shopping provides cashback rewards at participating retailers to complement card benefits. Founded in 2017, the platform targets mainstream consumers with accessible banking and credit products.