Trezy

Overview

Trezy is web-based financial software for small businesses that want cash-flow planning alongside transaction and performance analysis. It is a strong fit for owners who want forecasts and business records in one workspace; the one-bank-account limit on its Free and Starter plans is the main constraint for businesses managing several accounts.

Read-only bank connections let Trezy analyze transactions without storing bank credentials or authorization to move money. That is a practical boundary for businesses seeking visibility rather than payment execution.

Compare it with other options in Cash Flow Management Software.

Key features

Forecasting and scenarios

Trezy uses historical transactions and business patterns to project cash flow up to 12 months ahead. Scenario planning lets users compare the projected cash-flow effect of business decisions, making the product more useful for planning than a dashboard limited to current balances. Those projections are most valuable when the underlying transaction history reflects the business well; they do not remove the uncertainty around future decisions.

Analytics and documents

Automated P&L statements and more than 20 KPIs give owners a view of performance beyond inflows and outflows. The document hub applies OCR to invoices and receipts and adds search and filing, which can reduce the friction of keeping financial paperwork connected to analysis. Supplier cost intelligence is also part of the product, while Premium specifically includes price analysis and spending reports.

Connections and security

Trezy says it connects to more than 2,000 banks across Europe, the US, and Canada through read-only open banking. QuickBooks Online and Pennylane integrations are available, with accounting data synced read-only; imports can also come through Excel, CSV, or API. The combination offers multiple ways to bring data in, though businesses needing writable accounting synchronization should look elsewhere. Trezy says it uses 256-bit encryption, PSD2-compliant read-only connections, GDPR protections, and does not retain bank credentials.

E-invoicing is available to businesses operating in France and Italy, so that capability is geographically limited.

Pricing

Trezy has a free tier and two paid plans. Paid plans start with a seven-day trial that does not require a credit card.

PlanPriceWhat it includesBest suited toFreefreeOne bank account, cash-flow tracking, transaction history, AI categorization, and email support.Freelancers or very small businesses that need a basic view of one account.Starter$12.50 a month; billed Billed $150/yearOne bank account, cash-flow forecasting, invoices and payment tracking, performance analytics, and priority support.Businesses ready to forecast and monitor performance but still operating through one bank account.Premium$37.50 a month; billed Billed $450/yearUnlimited bank accounts, integrations, price analysis, spending reports, team collaboration, and priority support.Teams that need multiple accounts, collaboration, and broader spending analysis.Free keeps the basic tracking and categorization tools but omits forecasting, invoices and payment tracking, and performance analytics. Starter adds those capabilities without raising the one-account ceiling, so the jump to Premium is the meaningful choice for multi-account businesses; Premium also adds team collaboration and spending analysis. The annual billing terms matter when comparing the monthly figures, and priority support begins with Starter.

Platforms

Trezy runs on the web. Its bank synchronization and cash-position tools support account visibility, but no mobile platform is listed among its supported platforms.

Who it's for

Trezy targets freelancers, startups, and established small and medium-sized businesses. It is most compelling for a small business that wants forecasts, transaction analysis, and document handling together, and whose needs fit the plan’s account limit. Businesses with multiple bank accounts must choose Premium; those needing writable accounting integrations or e-invoicing outside France and Italy should consider another fit.

Pros and cons

Pros: A 12-month forecast horizon and scenario comparison help owners evaluate possible cash-flow outcomes, not just review past activity.

Pros: OCR-based invoice and receipt handling complements automated P&L reporting and more than 20 KPIs in the same product.

Pros: Read-only bank and accounting connections provide data visibility while limiting credentials and write access.

Cons: Free and Starter are both capped at one bank account, excluding multi-account workflows unless the business pays for Premium.

Cons: Accounting integrations are read-only, and e-invoicing covers only France and Italy.

Cons: The feature gap between Free and Starter is substantial: forecasting and performance analytics require a paid plan.

Alternatives

Bankflow is a freemium web and API alternative whose Free plan provides 50 credits one-time, roughly one credit per page; it is a better fit when that page-based allowance suits the task. Agicap has no free plan, offers a trial, runs on Android, iOS, web, and API, and requires a minimum 12-month subscription with custom pricing; consider it if those platform options and subscription terms fit better.

Float has no free plan and offers web access; its Essentials plan costs $130 a month and includes unlimited users, eight scenarios, 13-week cash flow, and 12-month forecasts. It suits buyers who value those stated forecasting and user provisions and can accept the higher entry price. Caflou is another freemium option with a free Turtle plan and Android, iOS, web, and API platforms.

Cash Flow Frog is a paid web alternative with a trial; its Pro Plan is $55 a month for businesses up to $1M annual revenue, with a 36-month forecast and 10 users. Cashvue is free to use while in public beta and runs on the web. CrossVal has no free plan, offers a trial, and its Launch plan costs 550 AED a month with unlimited expenses, multi-bank accounts, HoldCo and OpCo consolidation, and dedicated support. Dryrun has no free plan and offers a trial; its Essentials plan costs $99 a month for unlimited forecasts and scenarios, forecast sharing and export, auto forecast capability, and chat support.

Verdict

Trezy is a sensible choice for small businesses that want cash-flow forecasts, scenario planning, analytics, and document handling in one web product. Its read-only connections and low-cost Starter tier make it approachable for a single-account operation, but the one-account cap persists even on Starter. Choose Premium if multiple accounts and team collaboration are essential; look elsewhere if you need mobile platforms, writable accounting sync, or e-invoicing beyond France and Italy.