Fintech applications are solutions for many financial operations such as mobile banking, investing, budgeting, payments, and more. In the UK, around 83% of people use at least one fintech platform to manage their financial transactions and maintain a clear record of their finances.  

As per the global study, the fintech applications market was valued at around $394.88 billion in 2025; it is expected to increase to $1,126.64 billion by the end of 2032.

This real-time data shows how quickly it grows, and it can be a profitable opportunity for businesses to invest in it. 

Are you looking to develop a fintech app? But you are aware of the overall fintech app development cost. 

Just scroll down to reveal the fintech app development cost in Europe and what factors can highly impact the cost. 

What is a Fintech App?

A fintech app is a mobile or web-based application that uses technology to provide financial services, such as digital banking, payments, investing, loans, and personal finance management.

These apps seek to streamline financial transactions, boost accessibility, and enhance the user experience. Individuals and organizations use fintech applications to handle money securely, quickly, and conveniently without depending on traditional banking institutions.

What is the Cost to Build a Fintech App in Europe?

Fintech app development cost in Europe ranges from €7,000 to €21,000, depending on several key factors, including the app’s complexity, feature set, security requirements, and compliance with regulations like GDPR and PSD2.

Development expenses are influenced by the choice of platform (iOS, Android, or both), backend infrastructure, UI/UX design, and third-party integrations such as payment gateways or open banking APIs.

The location and expertise of the development team also impact pricing, as developers in Western Europe typically charge more than those in Eastern Europe. 

How Much Does it Cost to Develop a Fintech App in Various Countries?

The cost of developing a fintech app varies significantly across countries due to differences in talent availability, regulatory environments, infrastructure, and development practices.

Factors like team expertise, project complexity, and local compliance requirements play a major role in shaping timelines, resources, and overall development strategy in each region.

1. Fintech App Development Cost In UK

Fintech app development costs £6,500–£20,000 in the UK. App complexity and features like security and regulatory compliance affect cost. Apps range from simple to feature-rich.

Quality development takes 3–6 months with competent developers and strong infrastructure. Working with a mobile app development company in UK guarantees quality and competence.

2. Fintech App Development Cost In France

The cost to develop fintech app in France is typically vary between €7,000 and €21,000. The cost is influenced by the complexity of the app, the necessary functionality, and regulatory compliance with EU requirements such as GDPR.

France’s well-established tech industry supplies a large number of developers for small and medium-sized financial apps. Development timeframes often range between 3 and 6 months, depending on the app’s scope and capabilities.

3. Fintech App Development Cost In Italy

The average cost to build fintech app in Italy is between €7,500 and €22,500. The features, complexity, and degree of security needed for the app all affect the cost.

Italy has a thriving IT sector and provides qualified developers at affordable prices. Smaller fintech apps usually take three to six months to develop, while more complicated ones may take longer.

4. Fintech App Development Cost In Spain

Fintech software development cost in Spain ranges between €7,000 and €20,000. Spain is a great place for startups since it provides a combination of talented engineers and reasonable prices.

The intricacy of the program, its security measures, and its adherence to regional laws all affect its cost. It takes three to six months to construct a basic app, but more feature-rich apps take longer.

5. Fintech App Development Cost In Poland

The cost to create a fintech app in Poland is between PLN 30,000 and PLN 100,000. Offering a competitive edge for companies wishing to create fintech apps, Poland is renowned for its reasonably priced yet talented developers.

The development duration, depending on the complexity of the app, runs from three to six months; expenses vary depending on the degree of compliance requirements and customization needed.

6. Fintech App Development Cost In Romania

The cost to launch a fintech app in Romania is around RON 35,000 to RON 110,000 in Romania. Romania is a reasonably priced development choice with good infrastructure and trained professionals.

The complexity of the program, security needs, and legal rules affect the price. For tailored solutions, working with an e-wallet app development company in UK can ensure the app meets international standards and regulatory requirements.

7. Fintech App Development Cost In Netherlands

The fintech softwae development cost in Netherlands is typically vary between €8,000 and €23,000. The price is determined by elements such as app complexity, connectivity with financial systems, and regulatory requirements like PSD2.

The Netherlands is renowned for its excellent technology industry and experienced developers. The development duration ranges from 3 to 6 months, depending on the size of the project.

8. Fintech App Development Cost In Belgium

The average cost to make a fintech app in Belgium is between €8,000 and €24,000. The features of the software, security measures, and local regulatory compliance all affect the price.

Secure financial app development is made possible by Belgium’s strong technological infrastructure and rigorous development standards. Depending on the project’s complexity, development timelines usually range from three to six months.

9. Fintech App Development Cost In Sweden

The fintech app cost in Sweden varies between SEK 80,000 and SEK 250,000. Sweden’s robust technological infrastructure, elevated labor expenses, and focus on security render it an appealing destination for fintech application development.

Although the expense may be considerable, the caliber of work is exceptional. Development duration typically spans from 3 to 6 months, dependent upon complexity.

10. Fintech App Development Cost In Greece

The fintech app pricing in Greece is between €7,500 and €22,000. Greece has an increasing number of competent developers and provides affordable development services.

How complicated the software is and how many regulations it must comply with determine its pricing. While more complicated apps take longer to develop, smaller financial apps may be produced in 3 to 6 months.

11. Fintech App Development Cost In Switzerland

Fintech app development cost in Switzerland are between CHF 8,000 and CHF 25,000. Switzerland is a great place for creating safe financial apps since of its strong security rules and high labor expenses. Depending on the features, complexity, and project regulations, development timeframes usually run three to six months.

12. Fintech App Development Cost In Denmark

The fintech software cost in Denmark is around DKK 50,000 and DKK 180,000. Denmark’s sophisticated IT infrastructure and emphasis on safe, scalable solutions more than make up for its high labor costs. Depending on the app’s complexity and security requirements, development times might vary from three to six months.

13. Fintech App Development Cost In Finland

The cost to develop fintech software in Finland fall between €8,000 and €24,000. Finland is a good place for fintech app development services because of its great emphasis on security, data protection, and innovation. The intricacy of the app affects the cost; usually, the development duration is three to six months.

14. Fintech App Development Cost In Norway

The cost to build fintech software in Norway typically fall within the range of NOK 70,000 to NOK 230,000. The increased price range is a result of Norway’s elevated cost of living and labor rates.

Nevertheless, the nation’s exceptional technical proficiency and its unwavering commitment to security render it an advantageous option for the development of secure fintech applications. 

15. Fintech App Development Cost In Croatia

Development of financial apps in Croatia runs between HRK 50,000 to HRK 180,000. For entrepreneurs, Croatia is a wonderful choice because of its reasonable prices and expanding pool of qualified developers.

The fintech software cost in Croatia based on their complexity and features, fintech applications usually have development timeframes between three and six months.

What Are the Factors That Affect the Fintech App Development Cost in Europe?

Several factors influence fintech app development cost in Europe, including app complexity, feature set, design requirements, regulatory compliance (e.g., GDPR, PSD2), and development team location.

Additional elements like technology stack, third-party integrations, data security, and ongoing maintenance also play key roles in determining the overall cost to build a fintech app in Europe.

1. Platform Compatibility

Building for a single platform (iOS or Android) is less expensive than creating cross-platform or native apps for both. However, financial customers frequently anticipate cross-platform accessibility.

Cross-platform development tools (such as Flutter or React Native) might help reduce mobile app development cost in UK, but sophisticated apps may still require native versions for optimal speed and security.

2. Development Team

The development team’s size, experience, and location all have a substantial influence on the cost to create a fintech app in Europe. Hiring a team from Western Europe is often more expensive than hiring one from Eastern Europe.

Teams with fintech experience and solid portfolios charge higher prices, but they provide superior efficiency, security, and quality, particularly for difficult or regulated projects.

3. Core and Advanced Features

Basic features like user login, payments, and transaction history are less expensive, but sophisticated ones like AI-powered analytics, robo-advisors, biometric security, and blockchain integration may significantly raise the cost to create a fintech app in Europe.

The more features your software has, the more effort, testing, and specialized expertise are required, increasing ewallet app development expenses.

4. Technology Stacks

The selection of front-end and back-end technology influences both development time and cost. Advanced or newer stacks (e.g., React, Node.js, Kotlin, Go) may necessitate expert developers.

Furthermore, certain stacks are more scalable and secure, which is critical for finance apps, but this may require a higher initial cost to make a fintech app in Europe.

5. Types of Fintech Apps

The fintech app development cost in Europe varies according to the app category—banking applications, investment platforms, insurance apps, or digital wallets.

Each kind needs distinct levels of security, APIs, and compliance controls. Due to differences in complexity and regulatory scope, a peer-to-peer lending app may be less expensive than a full-scale neobank.

How To Reduce The Fintech App Development Cost in Europe?

To reduce fintech app development cost in Europe, focus on building an MVP first, outsource to skilled Eastern European developers, use open-source tools, adopt cross-platform frameworks, and prioritize essential features over custom designs or complex third-party integrations initially.

1. Begin with a Minimum Viable Product (MVP)

Launching with an MVP allows you to verify your idea with minimal expenditure. Concentrate on key features exclusively, solicit user input, and grow gradually.

This technique lowers the initial cost to make a fintech app in Europe and avoids spending on needless features before determining product-market fit or actual consumer demand.

2. Outsource to Eastern Europe

Compared to Western Europe, hiring development teams in countries like Poland, Romania, and Ukraine yields higher-quality work at a lower cost.

These fields are ideal for cost-effective development without compromising performance or compliance because they provide a strong tech talent base, financial experience, and competitive pricing. By working with a fintech app development company in these areas, you can balance quality, affordability, and compliance.

3. Utilize Open-Source Technologies

Open-source technologies and frameworks such as React, Node.js, and PostgreSQL save license costs. These technologies are scalable, well-supported, and secure, allowing you to develop strong financial solutions without paying for costly software or proprietary platforms.

4. Adopt Cross-Platform Development

Using frameworks such as Flutter or React Native, you can create for both iOS and Android with the same codebase. This minimizes development time, maintenance costs, and team size while providing a uniform user experience across platforms, making it suitable for finance apps.

Partnering with an e-wallet app Development Company ensures your app is optimized for both platforms with efficiency and scalability.

5. Prioritize Features Strategically

Avoid introducing too many features at launch. Instead, identify and implement high-impact capabilities first. Advanced functionality, such as AI and blockchain, can be introduced later.

This strategic planning prevents scope creep, lowers initial cost to build a fintech app in Europe, and assures proper resource allocation throughout the project’s lifespan.

Conclusion

In conclusion, depending on the geography, features, technology stack, and regulatory needs, fintech app development cost in Europe vary greatly. Businesses may drastically save costs without sacrificing quality by properly planning their projects, selecting economical solutions, and giving priority to necessary features.

Working with a seasoned fintech software development company in UK guarantees that your app satisfies user expectations, legal requirements, and industry standards. Making wise choices throughout development may result in long-term success and scalability, regardless of whether you’re creating an MVP or a full-scale platform.

Frequently Asked Questions

Q1. How Much Does it Cost to Develop a Fintech App in Europe?

The cost to develop a fintech app in Europe ranges from €7,000 to €22,000, depending on factors like complexity, features, tech stack, and location. Outsourcing and MVP development can help reduce costs.

Q2. How Long Does it Take to Build a Fintech App?

Building a fintech app typically takes between 3 and 6 months, depending on the complexity, features, platform compatibility, and regulatory requirements. More advanced apps with complex integrations or custom features may take longer to develop.

Q3. How Do Custom Features Affect the Cost?

Custom features, such as AI-based financial analytics, blockchain, or advanced security, increase development time and costs due to their complexity and specialized skills required.

Q4. Does the Technology Stack Affect the Fintech App Development Cost?

Yes, the technology stack significantly impacts development costs. Cutting-edge technologies like blockchain, AI, or custom frameworks require specialized expertise and longer development times, increasing costs. In contrast, widely used tools and frameworks reduce both time and expenses.

Q5. Can Outsourcing Reduce the Development Cost?

Yes, outsourcing can reduce development costs by hiring skilled developers from regions with lower labor rates, such as Eastern Europe or Southeast Asia, while maintaining quality. However, communication and coordination are key considerations.