Product development for FinTech startups in Barcelona.

Barcelona combines three unique factors for a FinTech: world-class technical and financial talent, access to European investors (especially from the 22@Tech District), and a European regulatory framework that allows operating across the entire EU without additional per-country licences — a key advantage over the US or post-Brexit UK. The ecosystem is maturing: it's no longer just early-stage, with startups now reaching Series B and C.

It depends on the vertical. The most relevant are: PSD2 (payment services and open banking), PCI-DSS (any product handling card data), MiCA (crypto assets and exchanges), DORA (digital operational resilience for financial institutions) and the transversal GDPR. The regulatory roadmap must be integrated into Product Discovery from the start of the project.

A FinTech app with basic features — onboarding, wallet, payments — starts around €80,000–120,000 for a compliant MVP. More complex platforms (neobank, credit platform) can exceed €300,000. Investment in compliance and security is not optional — it's the cost of entering the regulated financial market. See our pricing page for more detail.

We work with FinTechs at every stage: seed (MVP with minimum viable compliance), Series A (architecture scaling and regulatory expansion) and growth (AI integration, open banking and European expansion). The Product Discovery process adapts to each stage. In seed, the key is reaching market fast with the right compliance; in growth, the key is scaling without technical debt.