Bankflow vs Trezy

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.

Trezy is a web-based financial platform for small businesses, including freelancers, startups, and established SMEs. It combines cash flow forecasting, financial analytics, document management, bank synchronization, and supplier cost intelligence. Its AI analyzes historical transactions and business patterns to forecast cash flow up to 12 months ahead, while scenario planning lets users compare projected effects of business decisions. Trezy provides automated P&L statements and tracks more than 20 KPIs. The document hub uses OCR to extract invoice and receipt details, with search and filing tools. It connects to more than 2,000 banks across Europe, the US, and Canada through read-only open banking connections. QuickBooks Online and Pennylane integrations are listed, with synced accounting data remaining read-only; users can also import data through Excel, CSV, or API. The Free plan covers one bank account and includes email support. Starter costs $12.50/mo (billed $150/year), and Premium costs $37.50/mo (billed $450/year). Paid plans include a seven-day trial without a credit card to start.