Europe Neobanking Market Size & Share Analysis - Growth Trends & Forecasts (2025 - 2030)

The Europe Neobanking market is segmented by account type (Business account, Savings account), by services (Mobile-banking, Payments and money transfers, savings, Loans, Others), and By Country (Germany, Spain, Italy, Russia, France, United Kingdom, and Rest of Europe), various trends, opportunities, and company profiles. The report offers Market size and forecasts for the Europe Neobanking Market in value (USD Billion) for all the above segments.

Europe Neobanking Market Size & Share Analysis - Growth Trends & Forecasts (2025 - 2030)

Europe Neobanking Market Size

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Europe  Neobanking Market Summary
Study Period 2020 - 2030
Base Year For Estimation 2024
Forecast Data Period 2025 - 2030
Historical Data Period 2020 - 2023
CAGR 21.00 %
Market Concentration Medium

Major Players

Europe Neobanking Market Major Players

*Disclaimer: Major Players sorted in no particular order

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Europe Neobanking Market Analysis

The Europe Neobanking Market is expected to register a CAGR of 21% during the forecast period.

Neobanking is a novel banking technology that provides complete online banking solutions from opening an account to other services, without the need to go to a bank for its customers. Neobanking differs from traditional banks, as they have no physical offices & branches.

Europe holds the biggest market share in the Neobanking Market and accounts for over 30% share of the global revenue due to the establishment of multiple technology start-ups & the growing adoption of technology. The growing adoption of internet services and the increased use of smartphones are expected to accelerate market growth.

During the period of Covid-19 in 2020, Germany was having the highest user number in Digital Commerce with an average transaction value Digital commerce per user stood at a level of 2,084 US$ which stands at the second highest level after the United States. Higher and Middle-income level people contribute the most to an increase in the adoption of the Neobanking Market with restrictions made during covid for offline transactions.

Some banks are more vulnerable than others to the fallout from the COVID-19 crisis due to a weaker solvency position or individual business model characteristics. More than 2,000 small and medium-sized banks are directly supervised by national authorities. The ECB has taken measures to drastically mitigate banks funding risk, by providing new long-term central bank funding and making it easier to access this funding.

Europe Neobanking Industry Overview

The report covers major players operating in the Europe Neobanking Market. In terms of market share, few of the major players currently dominate the market. There are 77 Neobank in Europe. However, with technological advancement and service innovation, domestic to international companies are increasing their market presence by securing new contracts and tapping new markets. It has major players including N26, Vivid, Ma French Bank, Orange Bank, Lunar, etc.

Europe Neobanking Market Leaders

  1. https://n26.com/en

  2. https://vivid.money/en-eu

  3. https://www.mafrenchbank.fr

  4. https://www.orangebank.fr

  5. https://www.lunar.app

  6. *Disclaimer: Major Players sorted in no particular order
Europe Neobanking Market Concentration
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Europe Neobanking Market News

  • In March 2022, Nordic neobank Lunar raises USD 77 Million at a USD 2 Billion valuation, and launches a crypto trading platform and B2B payments for its small and medium business customers. It has now raised EUR 345 million in total, with other past investors including Seed Capital, Greyhound Capital, Socii Capital and Chr. Augustinus Fabrikker.
  • In October 2021 N26 announces a landmark Series E funding round of more than $900 million was led by Third Point Ventures and Coatue Management and joined by Dragoneer Investment Group as well as existing N26 investors

Europe Neobanking Market Report - Table of Contents

1. INTRODUCTION

  • 1.1 Study Assumptions and Market Definitions
  • 1.2 Scope of the Study

2. RESEARCH METHODOLOGY

3. EXECUTIVE SUMMARY

4. MARKET INSIGHTS AND DYNAMICS

  • 4.1 Market Overview
  • 4.2 Market Drivers
  • 4.3 Market Restraints
  • 4.4 Insights on Technological innovation in the Neobanking Industry
  • 4.5 Porters 5 Force Analysis
    • 4.5.1 Threat of New Entrants
    • 4.5.2 Bargaining Power of Buyers/Consumers
    • 4.5.3 Bargaining Power of Suppliers
    • 4.5.4 Threat of Substitute Products
    • 4.5.5 Intensity of Competitive Rivalry
  • 4.6 Insights on Government Regulations Landscape in the Neobanking Industry
  • 4.7 Impact of COVID-19 on the Market

5. MARKET SEGMENTATION

  • 5.1 By Account Type
    • 5.1.1 Business Account
    • 5.1.2 Savings Account
  • 5.2 By Services
    • 5.2.1 Mobile Banking
    • 5.2.2 Payments and Money Transfers
    • 5.2.3 Savings Account
    • 5.2.4 Loans
    • 5.2.5 Other Sevices
  • 5.3 By Country
    • 5.3.1 Germany
    • 5.3.2 France
    • 5.3.3 United Kingdom
    • 5.3.4 Russia
    • 5.3.5 Italy
    • 5.3.6 Spain
    • 5.3.7 Rest of Europe

6. COMPETITIVE LANDSCAPE

  • 6.1 Market Competition Overview (Major Players and M&A Deals Included)
  • 6.2 Company Profiles
    • 6.2.1 N26
    • 6.2.2 Vivid
    • 6.2.3 Ma French Bank
    • 6.2.4 Orange Bank
    • 6.2.5 Lunar
    • 6.2.6 Revolut
    • 6.2.7 Bnext
    • 6.2.8 Holvi
    • 6.2.9 Monzo Bank Ltd.
    • 6.2.10 Atom Bank Plc
    • 6.2.11 Bunq*
  • *List Not Exhaustive

7. MARKET OPPORTUNITIES AND FUTURE TRENDS

8. DISCLAIMER AND ABOUT US

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Europe Neobanking Industry Segmentation

The Europe Neobanking market is segmented by account type (Business account, Savings account), by services (Mobile-banking, Payments and money transfers, savings, Loans, Others), and By Country (Germany, Spain, Italy, Russia, France, United Kingdom, and Rest of Europe), various trends, opportunities, and company profiles. The report offers Market size and forecasts for the Europe Neobanking Market in value (USD Billion) for all the above segments.

By Account Type Business Account
Savings Account
By Services Mobile Banking
Payments and Money Transfers
Savings Account
Loans
Other Sevices
By Country Germany
France
United Kingdom
Russia
Italy
Spain
Rest of Europe
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Europe Neobanking Market Research FAQs

What is the current Europe Neobanking Market size?

The Europe Neobanking Market is projected to register a CAGR of 21% during the forecast period (2025-2030)

Who are the key players in Europe Neobanking Market?

https://n26.com/en, https://vivid.money/en-eu, https://www.mafrenchbank.fr, https://www.orangebank.fr and https://www.lunar.app are the major companies operating in the Europe Neobanking Market.

What years does this Europe Neobanking Market cover?

The report covers the Europe Neobanking Market historical market size for years: 2020, 2021, 2022, 2023 and 2024. The report also forecasts the Europe Neobanking Market size for years: 2025, 2026, 2027, 2028, 2029 and 2030.

Europe Neobanking Industry Report

Statistics for the 2025 Europe Neobanking market share, size and revenue growth rate, created by Mordor Intelligence™ Industry Reports. Europe Neobanking analysis includes a market forecast outlook for 2025 to 2030 and historical overview. Get a sample of this industry analysis as a free report PDF download.