Top Tech Startups in Munich, Germany in 2026

We are building Risk and decision layer for Hedge funds and asset managers. Our flagship Phantom RiskOS is a forward looking looking risk and decison engine, that helps Portoflio Managers, Risk Officers to monitor risks both current and forward looking against a pre set thresholds and act on them before the risk materializes.

Moss is the all-in-one spend management platform built for modern finance teams. We bring together corporate cards, invoice management, and reimbursements with real-time budgets, smart approvals, and automated accounting built in. Moss integrates seamlessly with popular ERP systems like DATEV, Xero, and Exact Online, as well as HRIS systems such as Personio, BambooHR, and HiBob. Over 5000 businesses across Europe, including TicketSwap, CarWow, and Urban Sports Group, trust Moss to streamline spend and scale their finance operations. With €6.5B+ in spend processed annually, we help finance teams shift from manual tasks to more forward-thinking, strategic work. Whether you're managing spend across 5 or 500 employees, Moss gives you the visibility and automation you need to run finance, not spreadsheets. Interested in helping build tools to make life easier for finance professionals? Join our teams in Berlin, Amsterdam, London, Talinn and Warsaw.

CityZeen aims to transform the situation for over 1 billion individuals globally who lack access to secure, high-quality housing, as well as the millions more who lose out on valuable investment opportunities. With CityZeen, you're not just growing your wealth—you’re part of a movement to make sustainable living accessible for everyone.

Mission success runs on communication. When that link breaks, missions fail. ZeroPhase builds SDR-based data link systems that keep UAVs connected: under jamming, under interference, in the most contested environments on earth. We're not building for a future threat. Our systems are already deployed, in circulation with primes, and being integrated across European sovereign programs. The problem is real, the urgency is real, and the technology works. Founded in 2022, raised €5.8M in seed funding, and growing fast. We're headquartered in Munich at the centre of Europe's emerging defence tech ecosystem, and hiring across embedded systems, RF engineering, FPGA development, and the commercial and operational roles that scale it We're a small team that moves with urgency, owns problems end to end, and builds things that hold up under pressure. If that's the environment you're looking for, we'd like to hear from you, irrespective!