German fintech offering banking solutions to young people

Key Data

  • Trading Name: Ruuky
  • Legal Entity: pockid GmbH/Ruuky Gmbh
  • Activities: Neobank
  • Location: Hamburg, Germany
  • Regulations: using the license of the Belgian e-money institute PPS
  • Key People: Jes Henning (LinkedIn), Max Schwarz (Linkedin), Timo Steffens (Linkedin), and Deepankar Jha (Linkedin).

Ruuky (formerly pockid) is a Neobank for the younger Generation based in Hamburg, Germany.

The company was founded 2020 by Jes Henning (LinkedIn), Max Schwarz (Linkedin), Timo Steffens (Linkedin), and Deepankar Jha (Linkedin).

Ruuky uses the infrastructure and license of the Belgian e-money institute PPS (PC42 profile), which is also the issuer of the Ruuky debit cards.


Launched in June 2021 and with the premise of becoming the digital bank of reference for Generation Z in Europe, Ruuky has found a way to connect with its target audience and gain traction by being present on channels such as TikTok and Youtube, where they have already more than 270 thousand followers. With €4 million of funding raised in their seed round Ruuky, has already entered Austria as the second European market and has plans for further growth in the coming months.

Neobank’s offer comprises a free digital bank account including virtual and physical debit Mastercard. A one-time fee of 10 euros is charged for the plastic card. The account runs on a credit basis and an overdraft is not possible.

The new update to Ruuky’s iOS and Android app gives users access to interactive video stories that offer guidance on handling finances and taking their first steps in the financial world. The focus on community is also special: Ruuky users choose individual nicknames and can follow each other in the app.


At the beginning of January, the Hamburg-based fintech Ruuky filed for insolvency.

Insolvency Status

They found a new investor

A strategic investor wants to continue and expand the fintech, which has developed a banking app for young people, it said in a press release. “The sale of Ruuky will then take place after the opening of the insolvency proceedings, which I expect to happen at the coming turn of the month,” insolvency administrator Jens-Sören Schröder announced. Further details of the deal were not initially disclosed.


Due their insolvency we rate them on RED.

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Legal Entities

pockid GmbH
Ruuky Gmbh

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