The Portugal Fintech Report 2025 shows that the Portuguese fintech market is more mature, technologically advanced, and collaborative. Total funding is expected to surpass €1.1 billion by 2025.
According to the Portugal Fintech Report 2025, presented by Fintech House with the support of Visa, Morais Leitão, and KPMG Portugal, almost one-third of Portuguese fintechs were founded in the last two years, demonstrating that financial innovation in Portugal continues to develop at a strong pace. The report also highlights that the maturity of the ecosystem is reflected in investment growth, with total funding in the Portuguese fintech sector expected to exceed €1.1 billion by 2025.
This evolution further reflects investors' confidence in national talent and in the export potential of Portuguese fintechs. Faster and more effective collaboration between start-ups and large financial institutions also helps to explain this growth. In 2025, more than 200 partnerships were mapped, with 53% of these partnerships being concluded within six months.
Another key finding of the report is that 74% of Portuguese fintechs already integrate Artificial Intelligence into their products, while 90% use it in their internal operations. Among the main AI use cases identified are fraud prevention, automated onboarding and risk assessment, user experience personalisation, and marketing and operations management. These applications are transforming previously manual processes into fast, secure and intelligent workflows.
From a geographic perspective, while Lisbon and Porto continue to host the majority of fintechs, the report highlights the emergence of regional hubs, particularly Leiria, which are beginning to diversify the talent map and attract local growth support initiatives.
Alongside the report, Portugal Fintech also launched the second edition of SPRINT 2026 to accelerate the growth of this new generation. Selected fintechs will have access to office space, an extended network of mentors and specialised support in product development, fundraising and the establishment of strategic partnerships, areas where the report identifies a greater need for structured support.
According to the Portugal Fintech Report 2025, presented by Fintech House with the support of Visa, Morais Leitão, and KPMG Portugal, almost one-third of Portuguese fintechs were founded in the last two years, demonstrating that financial innovation in Portugal continues to develop at a strong pace. The report also highlights that the maturity of the ecosystem is reflected in investment growth, with total funding in the Portuguese fintech sector expected to exceed €1.1 billion by 2025.
This evolution further reflects investors' confidence in national talent and in the export potential of Portuguese fintechs. Faster and more effective collaboration between start-ups and large financial institutions also helps to explain this growth. In 2025, more than 200 partnerships were mapped, with 53% of these partnerships being concluded within six months.
Another key finding of the report is that 74% of Portuguese fintechs already integrate Artificial Intelligence into their products, while 90% use it in their internal operations. Among the main AI use cases identified are fraud prevention, automated onboarding and risk assessment, user experience personalisation, and marketing and operations management. These applications are transforming previously manual processes into fast, secure and intelligent workflows.
From a geographic perspective, while Lisbon and Porto continue to host the majority of fintechs, the report highlights the emergence of regional hubs, particularly Leiria, which are beginning to diversify the talent map and attract local growth support initiatives.
Alongside the report, Portugal Fintech also launched the second edition of SPRINT 2026 to accelerate the growth of this new generation. Selected fintechs will have access to office space, an extended network of mentors and specialised support in product development, fundraising and the establishment of strategic partnerships, areas where the report identifies a greater need for structured support.
