Overview
Ginkgo is a specialty pension brokerage serving small and medium-sized employers in Germany. The company holds a Versicherungsmakler license under Section 34d of the German Trade Regulations (GewO), supervised by IHK Berlin, and is listed in the German Digital Pension Registry (DRV).
The company focuses exclusively on betriebliche Altersvorsorge (bAV), Germany's statutory occupational pension system. Ginkgo distributes ETF-based pension plans under a commission-free fee model, contrasting with commission-driven structures common in conventional pension distribution. The service targets SME employers and their workforces across multiple industries.
Ginkgo's platform connects to over 40 HRIS and payroll systems, automating plan enrollment and contribution data flows. Employees access pension details, cost breakdowns, and ETF performance through a dedicated mobile application available on iOS and Android. The company was co-founded by Dr. Philip Liebenow and Carl Meran in Berlin and raised EUR 1.6M in pre-seed funding in January 2025.
At a Glance
- Founded
- 2024
- Headquarters
- Berlin, Germany
- Employees
- 11-50
Category & Focus
Customers
- E-commerce and retail
- Financial technology
- Health and wellness
Last updated: 2026-07-13