European Fintech H1 2026: Selectivity, Regulation and the Infrastructure Opportunity
By SBI Ventures Europe ·
SBI Ventures Europe counts 383 European fintech deals in H1 2026, down 36 percent, while disclosed capital rose 21 percent to $5.74 billion and the median round grew 40 percent to $4.2 million: fewer, larger rounds. AI-tagged deals reached 42 percent of the total, and the median round in regtech, fraud and AML more than doubled.
Key figures
| Figure | Value | Source |
|---|---|---|
| European fintech deals, H1 2026 | 383 (598 in H1 2025, -36%) | p. 7 |
| Disclosed capital, H1 2026 | $5.74B ($4.76B in H1 2025, +21%) | p. 7 |
| Median round | $4.2M ($3.0M in H1 2025, +40%) | p. 7 |
| AI-tagged deal share | 42% (30% in H1 2025) | p. 10 |
| Regtech, fraud and AML median round | $4.1M (up 128% from $1.8M) | p. 22 |
- Europe