Spanish consumer fintech building financial wellness apps
ID Finance is a Barcelona-based consumer fintech that builds financial wellness products for people in Spain and beyond. Its consumer platform Plazo combines debit and credit products such as an e-money account, debit card, Buy Now Pay Later, and cashback. On 13 October 2026 FinSMEs reported that ID Finance raised €545 million in equity and debt financing led by Spice Expeditions, WashU, Kingsway Capital, and i80 Group to expand Plazo and modernize Spanish credit offerings. The company says it serves over 400,000 users.