Best fractional CTOs for fintech companies in the EU

3 firms and practitioners offer fractional CTO work for fintech companies in the EU. First on the list are Wavect, 10x Team and Metamindz. One publishes a monthly fee: $2,900 a month at Wavect. The rest quote.

Updated 21 Oct 2026 Listed 3 Order published rule

A fractional CTO owns technical decisions: architecture, build versus buy, the engineering team or dev shop, security basics and the technical side of due diligence.

Wavect Names Fintech

Firm, Ampass, Austria. CTO. SaaS, manufacturing, fintech and hospitality. Pre-revenue to $5M.

3 named clients Founded 2018, 15 people

$2,900 per month, no minimum

10x Team Names Fintech

Marketplace, Netherlands. CTO. Professional services, healthcare and fintech.

Professional services CTO Healthcare CTO Fintech CTO

5 named clients Serves EU

Fee on request

Metamindz Names Fintech

Firm, London, UK. CTO. SaaS, ecommerce, healthcare and fintech.

SaaS CTO Ecommerce CTO Healthcare CTO Bootstrapped VC-backed

5 named clients 11 to 50 people

Fee on request monthly retainer

How this list is built. Every firm and practitioner here offers fractional CTO work on its own site, names fintech companies among its clients and serves the EU. Order is editor's pick, then listings that name the industry, then a published fee, then name. Nobody pays to appear or to move up. Full methodology.