Overview

Trezy is web-based finance software for small businesses that combines cash-flow forecasting with financial administration. It suits freelancers, startups and SMEs that want projections, transaction analysis and document handling together. The main trade-off is clear: Free and Starter support just one bank account, while multiple accounts require Premium.

Its read-only bank and accounting connections are useful for visibility without granting Trezy authority to move funds, but they also mean the platform is not a payment tool. For more options, see Cash Flow Management Software.

Key features

Forecasting and scenarios

Trezy says its AI uses historical transactions and business patterns to project cash flow up to 12 months ahead. That forward view can help a small business plan beyond its current balance; scenario planning adds a way to compare how a proposed decision could affect cash flow. These projections are useful for planning, but they are not guarantees about future cash.

Analytics and spending

Automated P&L statements and more than 20 KPIs give owners a broader performance view than transaction history alone. Premium adds price analysis and spending reports, which may be more relevant to businesses actively reviewing costs than to a freelancer seeking only a basic cash position.

Documents and connections

The document hub uses OCR to extract invoice and receipt data, with search and filing features to keep records accessible. Trezy says it connects to more than 2,000 banks across Europe, the US and Canada through read-only open banking, and offers read-only QuickBooks Online and Pennylane integrations. Excel, CSV and API imports provide another route for bringing data in. The read-only model limits what the connections can do, but keeps bank credentials out of Trezy's storage; the company also cites 256-bit encryption, PSD2-compliant connections and GDPR protections.

E-invoicing is available to businesses operating in France and Italy, a useful regional feature rather than a general option for every market.

Pricing

Trezy uses a freemium model, with a free plan and a seven-day trial on paid plans; no credit card is required to start the trial. Starter is 12.50 USD per month, billed $150/year. Premium is 37.50 USD per month, billed $450/year. The annual billing amounts are the practical commitment to weigh against the monthly-equivalent prices.

Plan	Includes	Best fit
Free — free	One bank account, cash flow tracking, transaction history, AI categorization and email support.	Individuals or very small businesses that want basic visibility without paying.
Starter — 12.50 USD per month, billed $150/year	One bank account, cash flow forecasting, invoices and payment tracking, performance analytics and priority support.	Businesses that need forecasts and performance tools but can work within one connected account.
Premium — 37.50 USD per month, billed $450/year	Unlimited bank accounts, integrations, price analysis, spending reports, team collaboration and priority support.	Teams or businesses consolidating several accounts and needing collaboration or deeper cost review.

Free sacrifices forecasting and priority support, while Starter adds those capabilities but retains the one-account ceiling. Premium is the step up for multiple accounts, integrations and team collaboration; businesses that need only one account may not get enough from its extra cost.

Platforms

Trezy is available on the web. Bank synchronization, cash-position viewing and inflow/outflow tracking support its core monitoring use, while the listed connection limit is one for Free and Starter; Premium allows unlimited bank accounts.

Who it's for

Trezy is a sensible fit for freelancers, startups and SMEs looking to combine cash projections, transaction analysis and financial records in a web service. It is less suitable for a business that needs payment execution through its banking connection, or for a multi-account operation unwilling to pay for Premium.

Pros and cons

Pros

Long forecasting horizon: projections up to 12 months and scenario comparisons support forward planning rather than balance watching alone.
Broad financial workflow: P&L reporting, KPI tracking, OCR document handling and bank synchronization sit alongside forecasting.
Read-only connections: bank and accounting data can sync without granting Trezy transaction authority, and the company says it does not store bank credentials.
Free entry point: the Free plan includes transaction history and AI categorization for one account.

Cons

Account caps on lower tiers: Free and Starter are each limited to one bank account, restricting their usefulness for businesses with multiple accounts.
Annual billing on paid plans: the stated monthly prices are billed as $150/year for Starter and $450/year for Premium.
Premium is required for key scale features: unlimited accounts, integrations and team collaboration are reserved for the higher-priced tier.
Regional e-invoicing: the feature is available only for businesses operating in France and Italy.

Alternatives

Consider Bankflow if document processing is the priority: its Free plan provides 50 credits one-time, roughly one credit per page, and its Starter plan provides 300 credits a month for 14.99 USD per month.

Agicap is another paid option, with a free trial, a minimum 12-month subscription and custom pricing.

Cashvue may suit readers who want a free web product while it is in public beta.

Choose Float if its Essentials plan's 13-week cash flow, 12-month forecasts, eight scenarios and unlimited users match your needs; it costs 130.00 USD per month, billed monthly.

CrossVal is a paid web alternative with a Launch plan at 550.00 AED per month, including unlimited expenses, multi-bank accounts and HoldCo and OpCo consolidation.

Orcheo is another paid web option, with a Starter plan at 75.00 USD per month billed annually.

Tidely offers a paid Starter plan at 55.00 EUR per month, billed monthly, for one bank account, one team member and one company, with an AI cash-flow forecast.

Visualizy is a paid alternative available on web, API and self-hosted platforms.

Verdict

Trezy is best for small businesses that want cash-flow projections, financial analytics and document handling in one web platform, with read-only connections for bank and accounting data. Its free tier is a practical starting point for one account, but businesses that need multiple accounts or collaboration should expect to pay for Premium. Look elsewhere if the one-account limits or read-only banking model do not fit the way your business manages cash.

	BankSummary	Trezy
Free plan	Yes	Yes
Free trial	Yes	Yes
Paid from	Free	$12.50/mo
Platforms	Web	Web
Free plan	Yes	Yes
Bank synchronization	Yes	Yes
Cash position view	Yes	Yes
Inflow/outflow tracking	Yes	Yes
Paid from		12.5 /mo
Bank connection limit		1 connections
Multi-entity support		Yes
Scenario planning		Yes

BankSummary vs Trezy

BankSummary

Trezy