Leading Banking Software Development Companies in Germany (2026)

Banks and fintechs operating in Germany face pressure to modernize legacy core systems while complying with BaFin guidance, PSD2, strict data residency rules, and evolving anti-money-laundering requirements. Buyers should compare regulatory and security expertise, core-banking and payment integration experience, API-first and cloud-native architecture, legacy migration capability, testing and DevSecOps practices, and delivery model and cost predictability.

SoftPro appears first as the featured partner for this roundup and serves buyers across Germany and the wider region as an international partner.

Quick comparison of German banking software firms

1. SoftPro

We select SoftPro as the featured international partner in our roundup of Leading Banking Software Development Companies in Germany (2026). The Warsaw-based EU development team presents itself as a fit for German banks and fintech product teams that require custom web applications, cloud transformation, and enterprise integrations across EU markets.

SoftPro’s website lists explicit capabilities in .NET, ASP.NET Core and C#, modern JavaScript with React, progressive web apps, and cloud work on Microsoft Azure and AWS, and it describes AI work that includes LLM and RAG integration plus migration and containerization services to modernize legacy systems.

Key Highlights

• Over 20 years of combined team experience stated on the company website.

• Five named case studies are published on the site: Business Portal, CRM/HRM, SAAS ETL, Support System, and a social network for product promotion.

• The site explicitly promises continuous long-term support and maintenance for delivered software.

Services

• Custom Software Development

• Web Application Development

• Cloud Development

• Artificial Intelligence

Contact Information

Website: soft-pro.pl

Phone: +48 571 282 759

Address: Poland, Warsaw, Mazowieckie Voivodeship, 13 Erasmus Ciołka St. 401

LinkedIn: www.linkedin.com/company/soft-pro-pl

2. Atruvia AG

Atruvia AG is the technology and digitalization partner for Germany’s cooperative banks and related organisations. The company runs an in-house core banking system called agree21, operates data centers, and lists app development and mobile banking among its capabilities; its public site states a customer base of around 650 Volksbanken and Raiffeisenbanken and it maintains offices in Karlsruhe and Münster.

The Atruvia site does not publish front-end stack pages or explicit claims about Progressive Web Apps, service workers, or offline-first web strategies. Buyers evaluating Atruvia for banking software development should instead verify agree21’s Omnikanal and interaction platform, the company’s Smart Analytics and AI/machine-learning initiatives, its migration and consulting offerings, and the IT‑outsourcing model described on the site.

Key Highlights

• Designated as a manufacturer under the EU Cyber Resilience Act with a published security contact email.

• Explicit IT‑outsourcing capability described “von Mainframe bis Cloud” (from mainframe to cloud).

• Operates a modular regulatory reporting (Meldewesen) and accounting platform for regulatory requirements and reporting.

• Public site names clients beyond the cooperative banks, including the ADAC.

Services

• Core banking (agree21)

• Omnichannel / Interaction platform

• IT outsourcing (mainframe to cloud)

• Regulatory reporting & accounting platform

Contact Information

Website: atruvia.de

Phone: +49 721 4004-0 / +49 251 7133-01

Email (general): postfach@atruvia.de

Address: Fiduciastraße 20, 76227 Karlsruhe

3. SAP Fioneer GmbH

SAP Fioneer GmbH builds end-to-end platforms for banks and insurers on an SAP technology foundation, offering named modules such as Core Banking, Digital Euro Hub, Payment Hub, and Intraday Liquidity Management. The company describes a clean-core architecture with embedded domain APIs and explicitly supports cloud, hybrid, and on‑premise deployment options.

Buyers evaluating SAP Fioneer for banking software in Germany should assess its integrated finance and unified data foundation claims alongside its AI-enabled delivery and upgradeability features. The site publishes customer success stories (including Rabobank, Sompo Insurance, ERGO, and NORD/LB) and provides a support portal, training and certification, and co-innovation offerings to validate implementation and operational readiness.

Key Highlights

• Established in 2021 as an independent joint venture when SAP carved out its banking and insurance business in partnership with Dediq.
• More than 1,200 customers worldwide and marketing references that 800 banks globally use the platform.
• Company scale: 1,500+ employees and 22+ offices across 17 countries, with German offices listed in Walldorf, Berlin, Munich, and Dresden.
• Legal and registration details are published in the Imprint: Commercial Register Mannheim HRB 741301 and VAT ID DE342249285.

Services

• Core Banking
• Payment Hub
• Digital Euro Hub
• Financial Control

Contact Information

Website: www.sapfioneer.com

Address: SAP Fioneer GmbH, Robert-Bosch-Straße 35, 69190 Walldorf, Germany

4. T-Systems International GmbH 

T-Systems International GmbH is the Deutsche Telekom subsidiary headquartered in Bonn, Germany that delivers cloud, application and infrastructure services to enterprise and regulated customers, including banks and payment providers. The company’s site publishes financial-services references and documents work such as mainframe modernization for Union Investment (including an 80 TB migration to an IBM z16 system) and partnerships with payment provider Concardis and Banco Sabadell for agentic AI initiatives.

The site does not list consumer mobile banking apps or Progressive Web App projects for retail banking. Buyers assessing T-Systems for banking software development should inspect its sovereign T Cloud hosting and managed application operations, its certified RISE with SAP and SAP S/4HANA transformation services, and its hyperscaler integrations and SLA-monitoring capabilities that support regulated transaction workloads.

Key Highlights

• Recognized in the ISG Provider Lens (2026) for SAP S/4HANA system transformation, Application Managed Services, SAP Business AI, and BTP services.

• Works with more than 150 partners and explicitly integrates hyperscalers including AWS, Microsoft Azure and Google Cloud alongside its T Cloud platforms.

• Publishes a hyperscaler SLA monitoring solution used by a German financial institution to track Azure and Google Cloud SLAs for regulated workloads.

• Public collaboration with Commerzbank to connect physical and financial supply chains and enable networked financial services such as supply-chain finance.

Services

• Managed Cloud Services

• SAP S/4HANA Transformation

• Mainframe Modernization

• Application Operations

Contact Information

Website: www.t-systems.com

Phone: +49 (0) 228 181-0

Email: info@t-systems.com

Address: Friedrich-Ebert-Allee 140, 53113 Bonn, Germany

5. Giesecke+Devrient 

Giesecke+Devrient (G+D) is a German SecurityTech company that builds secure financial platforms, payment technology, and digital currency solutions. The company’s Financial Platforms section lists Trusted Software and Payment Technology and highlights offerings for digital payments and wallets, authentication solutions, digital commerce, and wearable payment enablement.

Buyers evaluating G+D for banking software development should examine its Trusted Software business (Netcetera) and Financial Platforms materials that cover onboarding, authentication, digital banking services, and card issuance. The site also documents a digital currency ecosystem that includes retail and wholesale CBDC and offline digital payment, which buyers can review against their CBDC and token-management requirements.

Key Highlights

• Netcetera, G+D’s Trusted Software business, is trusted by more than 5,000 banks and issuers worldwide.

• G+D provides payment technology and services to eight of the top ten financial institutions worldwide.

• The company produces and personalizes hundreds of millions of payment cards every year.

• G+D states it is the trusted partner to 145 central banks worldwide for currency technology.

Services

• Trusted Software

• Digital Payments & Wallets

• Card Issuance Services

• Retail and Wholesale CBDC

Contact Information

Website: www.gi-de.com

Address: Giesecke+Devrient GmbH, Prinzregentenstraße 161, 81677 Munich, Germany

6. Solarisbank SE

Solaris SE is a Berlin-based banking technology company that operates under a full German banking licence and offers Banking-as-a-Service to corporate partners. Its platform is API-first and cloud-native, with modular RESTful endpoints for accounts, cards, payments, and lending.

Buyers evaluating banking software development should request technical documentation for authentication, webhook behaviour, SLAs, and EU data residency, and review Solaris’s published architecture statements and regulatory disclosures.

Key Highlights

• Maintains public API documentation and a dedicated Sandbox environment for integration testing.
• API authentication uses OAuth 2.0 and the platform supports real-time webhooks for transaction and KYC events.
• Declares a cloud-native infrastructure and a Data Mesh architecture to support data-driven decision making and regulatory compliance.
• Site lists named partners and customers, including Samsung, Tomorrow, and ADAC.

Services

• Digital Banking
• Card Issuing
• Lending & BNPL
• KYC / KYB

Contact Information

Website: www.solarisbank.com

Phone: +49 30 837 97775

Email: support@solarisgroup.com

Address: Cuvrystraße 53, 10997 Berlin, Germany

LinkedIn: linkedin.com/company/solariscompany

7. GFT Technologies SE

GFT Technologies SE is a Stuttgart‑headquartered German technology firm that modernizes core banking platforms, builds cloud‑native banking systems, and develops AI-driven software for financial institutions. The company’s official site lists multiple banking success stories, including digital-bank launches (Salt Bank and Mox), cloud deployments on AWS, and core-banking modernization projects for large global banks where Thought Machine’s Vault is referenced in a client engagement.

Buyers evaluating GFT for banking software in Germany should review the site’s documented success stories, accelerators and partner credentials to confirm delivery patterns for this topic. The site highlights cloud-first architectures, microservices and DevOps practices in modernization programs and includes platform accelerators and case-study outcomes that buyers can use to compare GFT for core banking modernization or banking‑as‑a‑service programs.

Key Highlights

• Wynxx, GFT’s proprietary generative-AI platform for enterprise software delivery, is presented in a site case study as delivering a 95% reduction in documentation time and €300K in value in a single legacy-modernization pilot.
• The Smaragd Compliance Suite is cited on the banking pages as powering AI-driven fraud and compliance defense; the site states it is used by seven of the ten largest German banks and deployed in 56 countries.
• The site describes GFT as an AWS Advanced Tier Services Partner and lists cloud accelerators such as BankLiteX and BankStart for banking use cases.
• Investor and corporate materials on the site state GFT operates a global team of about 12,000+ technology experts across 20+ countries and that the company is publicly traded on German exchanges.

Services

• Core banking modernization
• Cloud-native platform migration
• Generative AI & AI acceleration
• Compliance, AML & fraud detection

Contact Information

Website: www.gft.com

Phone: +49 711 62042-0

Email: info@gft.com

Address: Schelmenwasenstr. 34, 70567 Stuttgart, Germany

LinkedIn: linkedin.com/company/gft-technologies

8. PPI AG

PPI AG is a Hamburg-based consulting and software company that builds payments software and advisory services for banks and insurance companies. The firm develops the TRAVIC product suite and presents itself as a European market leader in EBICS and FinTS payments solutions.

Buyers evaluating banking software development should review PPI's TRAVIC-Payment Hub for core payments capabilities because the product supports SEPA instant payments, single and bulk processing, and Request-to-Pay while integrating legacy systems via TRAVIC-Business-Control. Assess delivery and operations by checking PPI's on-premises and cloud deployment options and its payments-as-a-service offering, which the site says runs on a Kubernetes cluster that can operate independently of a hyperscaler.

Key Highlights

• Founded in 1984 and employs around 900 people with offices in Hamburg, Kiel, Hanover, Düsseldorf, Frankfurt am Main and Munich plus additional offices in Paris, Zurich and Milan.

• The TRAVIC-Payment Hub product page reports SEPA instant transactions processed in about 40 milliseconds at high load.

• The PPI group publishes an ISO 27001 certificate covering design, development, operation and related consulting services across the group.

Services

• Consulting

• Technology & Operations

• Products

Contact Information

Website: www.ppi-group.eu

Phone: +49 40 227 433-0

Email: info@ppi.de

Address: Moorfuhrtweg 13, 22301 Hamburg, Germany

9. FI‑TS

FI‑TS (Finanz Informatik Technologie Service) is a German banking IT operator headquartered in Haar. The company runs an industry-focused Finance Cloud and operates the full technology stack from mainframe hosting to public-cloud integration, with its data centers located exclusively in Germany.

For buyers evaluating banking software development partners, FI‑TS publishes a three-pillar Finance Cloud strategy (Enterprise, Native, Public Integration) and documents cloud-native delivery details such as Kubernetes orchestration, API-driven automation, Apache Kafka for stream processing, PostgreSQL for data persistence, and accessible whitepapers and a self-service portal for provisioning and billing.

Key Highlights

• FI‑TS manages IT for six of Germany’s fourteen system-relevant banks.

• The FI‑TS Finance Cloud Enterprise and FI‑TS Finance Cloud Native services received a C5:2020 testat attestation.

• Public, named reference projects include a multitenant FI‑TS Cloud Native platform for dwpbank, an SAP migration for Helaba, a migration to FI‑TS Finance Cloud Enterprise for OEV, and a regulations‑compliant API platform for the Sparkassen‑Finanzgruppe by wallis.

• FI‑TS offers SAP Cloud services and lists BayernLB, NORD/LB and Landwirtschaftliche Rentenbank among banks that have placed SAP basis operations with FI‑TS.

Services

• FI‑TS Core Infrastructure

• FI‑TS Finance Cloud Enterprise

• FI‑TS Finance Cloud Native

• FI‑TS Finance Cloud Public Integration

Contact Information

Website: www.f-i-ts.de

Phone: +49 89 94511-0

Email: anfragen@f-i-ts.de

Address: Richard‑Reitzner‑Allee 8, 85540 Haar, Germany

10. msg systems ag

msg systems ag is the core company of the msg group and operates a dedicated banking unit called msg for banking that publishes platform-based, digitized solutions for banks. The official group site describes msg for banking as a market leader in bank management and regulatory reporting.

Buyers evaluating banking software should review msg’s product pages, published documentation and training offerings as primary evidence of delivery scope and integration capability. The group site and help portal show a mix of off‑the‑shelf software, custom development, cloud and AI capabilities and a public product documentation portal that buyers can use to verify functional fit.

Key Highlights

• The msg group publicly states it employs over 10,000 people and is represented in 34 countries.

• msg for banking publishes named product families and tooling, including BAIS with a listed BAIS Open Source component.

• msg systems ag maintains a broad German footprint with 24 locations listed on the corporate locations page.

• The group lists formal technology partnerships with SAP, Microsoft and Amazon Web Services on its grounding pages.

Services

• Risk & Regulatory Reporting

• BAIS

• Cloud in Banking

• SAP Consulting

Contact Information

Website: www.msg.group

Phone: +49 89 96101-0

Email: info@msg.group

Address: Robert‑Bürkle‑Straße 1, 85737 Ismaning, Germany

11. SEEBURGER AG

SEEBURGER AG is a German integration software company headquartered in Bretten that builds the cloud‑native SEEBURGER Business Integration Suite (BIS) and the SEEBURGER Payments Integration Hub to connect banking systems, payment networks, and financial messaging standards. The BIS platform can run in the SEEBURGER Cloud, in public cloud environments, or on customers’ infrastructure and includes ready‑made connectors, low‑code design tools, and orchestration for ISO 20022, SWIFT, ACH and NACHA message formats.

Buyers evaluating SEEBURGER for banking or payments software projects should review its AI‑assisted mapping and low‑code BIS Hub, inspect the Integration Marketplace assets and published case studies with MoneyGram, SEB and KBC, and verify supported messaging standards and connector coverage. Request accelerator services, consulting, and Academy training details to confirm operational support, onboarding speed, and delivery model for mission‑critical payments workloads.

Key Highlights

• SEEBURGER AG is certified to ISO/IEC 27001:2022 with initial certification dated April 21, 2026 and valid until April 20, 2029.
• The company is regularly audited under ISAE 3402 (Type 2); the latest audit period covered January 1, 2025 to December 31, 2025 with the report dated January 12, 2026.
• SEEBURGER holds a CyberVadis score of 925 (Gold) and an A rating from SecurityScorecard, demonstrating a strong security posture.
• The business serves more than 14,000 customers worldwide and offers an iPaaS variant deployed as SEEBURGER iPaaS on AWS.

Services

• Payments Integration Hub
• Managed File Transfer (MFT)
• B2B/EDI Managed Services
• API Integration and Management

Contact Information

Website: www.seeburger.com

Address: SEEBURGER AG, Edisonstraße 1, DE-75015 Bretten

Phone: +49 72 52 96-0

12. Star Finanz GmbH

Star Finanz-Software Entwicklung und Vertriebs GmbH is a Hamburg-based technology company within the Sparkassen‑Finanzgruppe that builds banking software for retail and corporate customers. The company’s official site lists flagship products including the App Sparkasse, the StarMoney online‑banking suite, and the SFirm payments and enterprise finance platform.

Prospective buyers can evaluate Star Finanz by reviewing the site’s published case studies, for example the Kunden‑Health‑Check, the AI-supported Rollen‑und‑Rechtemanagement pilot, and the online Finanzierungszertifikat. The site also publishes App Sparkasse release notes and SFirm integration articles that document functional changes and integration points, which buyers can use to assess mobile-banking delivery, API exposure, and product governance.

Key Highlights

• More than 30 years of company experience is stated on the homepage.

• The site lists over 410 employees.

• The homepage reports about 20 million active users of their apps.

• The company conducts more than 100 user tests per year, according to the site.

Services

• App Factory

• Digital Solutions

• Inclusive Design Lab

• Masterclasses

Contact Information

Website: www.starfinanz.de

Phone: +49 40 23728-0

Email: web@starfinanz.de

Address: Grüner Deich 15, 20097 Hamburg, Germany

Conclusion

SoftPro is the featured international partner in this roundup and presents itself as a fit for German banks through its Warsaw-based EU development team.

When choosing among the firms listed here, prioritize technical depth for your priority areas—core banking, payments, cloud-native architecture, APIs, and digital-currency or security requirements—so the vendor’s stack and track record match the intended integration scope. Also weigh delivery model and proximity against cost and control, clarity of maintenance and upgrade SLAs, regulatory and data-hosting alignment, and collaboration fit including language, governance, and preferred engagement style when deciding which provider to engage.

Frequently asked questions

How much does it typically cost to hire a banking software development company in Germany?

Costs vary widely depending on project scope, degree of customization, regulatory work and ongoing support. Expect budgeting for software licensing, implementation services, integrations, testing and multi-year maintenance. Vendors frequently offer different pricing models such as fixed‑price projects, time‑and‑materials or subscription-based platforms. Get detailed cost breakdowns and total cost of ownership estimates before selecting a supplier.

How should I choose between vendors like SoftPro, Atruvia, SAP Fioneer and Giesecke+Devrient?

Base your decision on product fit for your target use cases, proven regulatory and compliance experience, integration capabilities and references from similar institutions. Evaluate total cost of ownership, time‑to‑market, vendor stability and support models. Run a short technical proof of concept and check operational readiness before committing. Prioritize vendors that can document successful delivery against your specific requirements.

Which companies are best suited for core banking transformations versus payments or security projects?

Some vendors concentrate on core banking and digital platform transformation while others focus on payments, transaction processing, or security and authentication. For example, firms with a history in core banking or banking platforms commonly address large migration projects, whereas providers with expertise in payments and trust services often lead card, payments and security initiatives. Match vendor specializations and case studies to the functional scope of your project. Ask for concrete examples of comparable implementations during vendor selection.

What is the typical timeline for a banking software implementation with a German vendor?

Timelines depend on scope: small integrations or API projects can take a few weeks to several months, while full core banking replacements commonly span 12 to 36 months. Plan for discovery, design, development/configuration, testing (including regulatory and security tests), migration and a staged go‑live with rollback plans. Build contingency time for data cleansing, legacy system dependencies and regulator feedback. Agree milestone‑based governance and regular status reporting with the vendor.

What are the main risks and compliance considerations when engaging a German banking software company?

Primary risks include data protection and GDPR compliance, BaFin/regulatory expectations, third‑party concentration and business continuity. Integration complexity with legacy systems and insufficient testing can affect operations and customer experience. Mitigate risks with clear SLAs, robust testing, independent security assessments and contractual obligations for compliance support. Require evidence of regulatory knowledge and referencable projects as part of due diligence.