About us

Empowering brands

IN THE COMING YEARS, CONSUMERS WILL TRANSITION FROM BANKING WITH FINTECHS TO BANKING WITH THEIR FAVOURITE BRANDS. OUR VISION IS TO BUILD A MODERN FINTECH TO POWER THAT (R)EVOLUTION.

Try XPAY now
Team members
60+
Headquarter
Munich
Nationalities
26+
Cards issued so far
190.000+

Fast-forward:
XPAY's history

From a private passion for smart and exclusive travel, upgrades, benefits, experiences, and our love brands, XPAY was founded.

Try XPAY now

XPAY starts White-Label-Offer

2020

Launch Black&White Card

2020

Launch Bluecard

2021

Launch Saskia Diez

2022

Launch Memberslounge

2022

Launch LEGATUS

2022

Signing MasterChef

2023 Q1

Launch MasterChef Italy

2023 Q2

Launch MasterChef Spain

2023 Q3

Locations

XPAY's heart = Our teams across Europe

Munich, Germany

Our Headquarter
60 team members
Central functions
Marketing & media
Product & partner management
Customer care

XPAY Amsterdam, Netherlands

Evert van de Beekstraat 3541118 CZ
Hightech at Schiphol airport
10 team members
Full-stack development

XPAY Bucharest, Romania

Splaiul Unirii 165, Offices TN01030133
Customer excellence
5 team members
Personal Assistance
Management team

100+ years of combined expertise

Denis Raskololjac
Founder/ CEO

Entrepreneur since age 18, executive leader with +25 years of experience. Sales and marketing expert with a technological background.

Invested +9€M with his family office into XPAY, co-leading this round with €1,2M.

Philipp Schaaf
COO

Executive leader with +10 years of track record in scaling digital companies profitably.

Scaled Ratepay from €3M to €100M annual revenue.

Cut Ratepay's unit costs by 90%.

Raised €325M BNPL-financing from banks.

Andreas Katzig
CTO

Tech and product professional with 20+ years of track record.

Scaled OTTONOVA (InsurTech) from 20 to over 200 staff.

Over $140M funding in 5 years secured at OTTONOVA.

Jörg Derusch
CHRO

20+ years of leadership roles in Scale-ups and Multinationals.

Led HR function for fin-Multinational with 6.000 staff.

Scaled Yfood from ~80 employees to 200 and CHECK24 from ~1.000 employees to 3.000.

Wait no longer

Become part of the branded banking (R)evolution