Bankflow vs Finoya
Bankflow
bankflow.appFinoya
finoya.aiSide by side
| Figure | Bankflow | Finoya |
|---|---|---|
| Price from | $14.99/mo | $39/mo |
| Free plan | Yes | — |
| Free trial | Yes | — |
| Open source | — | — |
| Web | Yes | Yes |
| Windows | Yes | — |
| macOS | Yes | — |
| Linux | Yes | — |
| iOS | Yes | — |
| Android | Yes | — |
| API | Yes | — |
| Self-hosted | — | Yes |
| Plans published | 4 | 2 |
| Spec score · Cash Flow Management Software | 9.4 (#1) | 7.6 (#15) |
| Cash flow | The cash flow view shows monthly income and spending plus runway at current burn, essentials-only burn, and with no income. | Finoya provides cash flow health scoring and forecasts based on connected accounting data. |
| Integrations | Document outputs are supported for QuickBooks, Xero, Sage, NetSuite, MYOB, Wave, FreshBooks, GnuCash and Moneydance. | Finoya lists QuickBooks, Xero, Sage, MYOB, FreshBooks, Zoho Books, Clear Books, Microsoft Dynamics, Tally, Wave, Mekari Jurnal, Wafeq, Odoo, Oracle NetSuite, Qoyod, Kashflow, and FreeAgent as supported accounting platforms. |
| Security | Bankflow says browser communications use TLS 1.2 or later, stored data is encrypted at rest, and access to production systems and customer data is restricted to authorized personnel. | The company says data is encrypted, private, and accessible only to authorized users. |
| Support | All plans include live chat and email support from the Bankflow team. | Both listed plans include email and chat support, and Finoya says it provides guided onboarding and help documentation. |
Plans
Finoya
- Accountants and Fractional CFOs$39 a month
- Business Owners and StartupsPrice not published
In their own words
Bankflow
Bankflow turns bank and card statements into categorized transactions, monthly profit and loss, and cash runway figures for small businesses. It accepts PDF, CSV and Excel files in batches without requiring a bank or template selection first. Transactions are categorized automatically, merchant names are resolved, and users can save corrections as rules for later statements.
The cash flow view shows monthly income and spending, with runway estimates for current burn, essentials-only burn and no income. Users can model events such as losing a client or taking on a large one-off expense against their own history. Bank statement emails can be forwarded to a private import address; Bankflow says it does not request mailbox login access. Exports include Excel, CSV, OFX and QBO, with accounting layouts or imports for QuickBooks, Xero, Sage, MYOB and NetSuite. API access and webhooks are included on every plan, including Free, and API usage draws from credits. Free provides 50 one-time credits; paid plans start at $14.99 a month for 300 monthly credits. Every plan includes live chat and email support.