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The European FinTech sector experienced a significant downturn in 2025, with overall investments continuing a downward trend from previous peak years. Amidst growing market uncertainties, funding and deal activity remained substantially below the levels observed in 2021, reflecting a sustained period of contraction and a structural reset in the industry.
Total funding across European FinTech ventures reached $16.3 billion from 743 deals in 2025. This marked an 11% decrease compared to 2024, which saw $18.3 billion raised across 1,047 deals. When contrasted with the FinTech boom of 2021, where the market recorded an impressive $65.4 billion across 4,399 deals, the 2025 figures represent a stark 72% decline in funding and a 76% drop in deal volume since the post-pandemic highs. Despite this overall reduction, a notable shift occurred in deal dynamics: the average deal size materially increased, rising from $14.9 million in 2021 to $17.5 million in 2024, and further to $21.9 million in 2025. This trend suggests that capital is increasingly being concentrated into fewer, yet larger, transactions.
Investor Caution Leads to Drop in Smaller Deals
The composition of funding also underwent a significant transformation, particularly impacting smaller transactions. Deals valued under $100 million saw a substantial fall, totaling $6.5 billion in 2025. This represents a 26% decrease from the $8.8 billion recorded in 2024 and a sharp 67% decline from the $26.1 billion deployed in similar deals in 2021.
Conversely, larger transactions, specifically those valued at $100 million or more, demonstrated more resilience. These deals reached $9.8 billion in 2025, marking a 2% increase from $9.6 billion in 2024. However, this still represents a significant 76% decrease from the $39.3 billion invested in large deals during 2021. The relative stability of large-ticket transactions, in contrast to the contraction in smaller deals, indicates a clear shift in investor strategy. Capital providers are increasingly prioritizing established companies, proven revenue models, and later-stage opportunities, even as the broader European FinTech ecosystem navigates a period of subdued investment.
FNZ Secures Major Funding for Wealth Management Innovation
Amidst a challenging investment climate, FNZ, a leading global technology platform for wealth and asset management, successfully secured one of Europe’s most significant FinTech deals of the year. The company received a substantial $500 million equity injection from its long-term institutional backers. As a pivotal player in modernizing wealth management infrastructure, FNZ provides integrated solutions designed to streamline operations and enhance client engagement for financial institutions worldwide.
This considerable capital infusion is set to bolster FNZ’s financial foundation, enabling continued investment in technological innovation, operational capabilities, and talent acquisition. FNZ’s platform plays a crucial role in reshaping the delivery of wealth management services, improving accessibility, efficiency, and scalability. This latest funding round underscores strong investor confidence in FNZ’s strategic execution and its ambition to lead the future of digital wealth transformation. Furthermore, later in the year, FNZ completed an additional strategic financing transaction, further strengthening its balance sheet and reaffirming ongoing investor support for its long-term growth and expansion across global wealth management markets.
Source: fintech.global