Accounting · alternatives
Alternatives to Modern Treasury
24 accounting tools sit alongside Modern Treasury in this directory. Below is what separates each from Modern Treasury on the figures we hold, price, model, tier count and rating, and a direct comparison for every one.
- Alternatives listed
- 24
- With a free tier
- 4
- Cheaper to start
- -
- Modern Treasury starts at
- On request
Why people look past Modern Treasury
Only what the record supports. Each point below is a figure on the Modern Treasury entry measured against the tools listed beside it.
There is no free tier
The record for Modern Treasury carries no free tier, so evaluating it means paying first. 4 of the 24 alternatives below can be used without paying.
There is only one tier
Modern Treasury publishes a single plan, Modern Treasury Platform at On request. There is no smaller tier to drop to if the fit is wrong or the budget moves.
What each alternative does differently
Ordered by the aggregated rating on each catalogue entry. Differences are drawn from price, pricing model, tier count and rating, the fields the category listing carries. For a feature-level difference, follow the head-to-head link on each card: those pages read both full records.
Direct banking API for ACH, wires, real-time payments, accounts and cards
Priced and rated the same as Modern Treasury on the figures we hold. The difference, if there is one, is in the feature records.
Banking as a service platform sold to sponsor banks rather than to fintechs
Priced and rated the same as Modern Treasury on the figures we hold. The difference, if there is one, is in the feature records.
A nationally chartered US bank that ships its own API, with no middleware in between
Priced and rated the same as Modern Treasury on the figures we hold. The difference, if there is one, is in the feature records.
Financial infrastructure for the internet
- Can be used without paying; Modern Treasury cannot.
- Publishes an entry price of Free, where Modern Treasury does not.
Expense reporting and travel management at three dollars per user per month
- Can be used without paying; Modern Treasury cannot.
- Publishes an entry price of $3/month, where Modern Treasury does not.
- Sold on a Per user per month model rather than quote.
- 3 tiers to Modern Treasury's 1.
Virtual card and spend management platform aimed at SaaS and travel spend
- Can be used without paying; Modern Treasury cannot.
- Publishes an entry price of $13/month, where Modern Treasury does not.
- Sold on a Per user per month model rather than quote.
- 3 tiers to Modern Treasury's 1.
Every Modern Treasury alternative at a glance
A dash means the catalogue entry carries no figure, not that the answer is nothing.
| Tool | Entry price | Model | Tiers | Head to head |
|---|---|---|---|---|
| Modern Treasury (this page) | On request | Quote | 1 | |
| IncreaseA bank-backed API where the accounts sit with the provider, which suits companies without their own banking relationship | On request | Quote | 1 | vs Modern Treasury |
| Treasury PrimeSponsor bank model, so it solves the bank access problem Modern Treasury deliberately leaves to you | On request | Quote | 1 | vs Modern Treasury |
| ColumnA chartered bank with its own API, removing the intermediary layer entirely | On request | Quote | 1 | vs Modern Treasury |
| StripeSimpler if you only need to collect card payments and do not need a ledger or direct bank rails | Free | - | - | vs Modern Treasury |
| Zoho Expense | Free, then $3/month | Per user per month | 3 | vs Modern Treasury |
| Mesh Payments | Free, then $13/month | Per user per month | 3 | vs Modern Treasury |
| Spendbase | Free | Free card tier, plus a share of savings on the managed plan | 2 | vs Modern Treasury |
| Rydoo | $10/month | Per user per month | 3 | vs Modern Treasury |
| Moss | On request | Quote | 1 | vs Modern Treasury |
| Medius Expense | On request | Quote | 1 | vs Modern Treasury |
| Happay | On request | Quote | 1 | vs Modern Treasury |
| Kodo | On request | Quote | 1 | vs Modern Treasury |
| Circula | €15/month | Per user per month | 4 | vs Modern Treasury |
| Soldo | £21/month | Per user per month | 3 | vs Modern Treasury |
| Ottimate | On request | Quote | 1 | vs Modern Treasury |
| Yooz | $199/month | Per month by invoice volume | 2 | vs Modern Treasury |
| Workiva | On request | Quote | 1 | vs Modern Treasury |
| Basware | On request | Quote | 1 | vs Modern Treasury |
| Vena Solutions | On request | Quote | 2 | vs Modern Treasury |
| Tropic | On request | Quote | 1 | vs Modern Treasury |
| DATEV | On request | Quote | 3 | vs Modern Treasury |
| insightsoftware | On request | Quote | 1 | vs Modern Treasury |
| Causal | On request | Quote | 1 | vs Modern Treasury |
| Medius | On request | Quote | 1 | vs Modern Treasury |
Ratings are aggregated from third-party sources and imported with each catalogue entry; Softwr hosts no reviews of these products. How each figure is used is set out on the Modern Treasury badges page.
Cheaper ways to solve the same problem
Free to start (4)
These publish a tier that costs nothing, so they can be evaluated before any money changes hands.
- Stripe , Free
- Zoho Expense , Free, then $3/month
- Mesh Payments , Free, then $13/month
- Spendbase , Free
What you would be giving up
Modern Treasury is most often brought in for a marketplace paying out to thousands of sellers that needs a ledger its application can trust rather than reconciling a payments dashboard by hand, a lender originating and servicing loans that must track disbursements, repayments and returns against its own bank accounts, a company that wants to move off a banking as a service provider and hold its own bank accounts after seeing sponsor banks offboard fintech programmes, an insurer handling premium collection and claims payment across several rails with approval controls and an auditable trail. Anything replacing it has to cover the ones you actually depend on, and a cheaper tool that misses one of them is not cheaper.
Two things this page cannot settle. It compares on price, model, tier count and rating, because those are the fields the category listing carries, feature-level differences need both full records, which is what the head-to-head pages load. And the ratings are third-party aggregates imported with each entry rather than reviews written here, so a 0.2 difference between two tools is noise rather than a finding.
If Modern Treasury is broadly right and the question is cost, the Modern Treasury pricing breakdown covers every tier and what each one adds. If you want the whole field rather than a shortlist, the Accounting category lists everything the directory holds, and best accounting tools ranks them.
Modern Treasury runs on web. Platform coverage is not carried on the category listing for the alternatives, so it is one more thing to check on each head-to-head page rather than here.
Questions about Modern Treasury alternatives
- What are the main alternatives to Modern Treasury?
- 24 other accounting tools are listed in this directory, led by Increase, Treasury Prime, Column, Stripe. They are ordered by the aggregated rating on each catalogue entry, not by any Softwr ranking.
- What is the best free alternative to Modern Treasury?
- 4 of the alternatives listed here can be used without paying: Stripe, Zoho Expense, Mesh Payments, Spendbase.
- Why do people look for an alternative to Modern Treasury?
- On the figures on record, 2 things stand out: there is no free tier; there is only one tier. Each is set out with the numbers behind it above.
- What would I give up by switching from Modern Treasury?
- Modern Treasury is most often brought in for a marketplace paying out to thousands of sellers that needs a ledger its application can trust rather than reconciling a payments dashboard by hand, a lender originating and servicing loans that must track disbursements, repayments and returns against its own bank accounts, a company that wants to move off a banking as a service provider and hold its own bank accounts after seeing sponsor banks offboard fintech programmes, an insurer handling premium collection and claims payment across several rails with approval controls and an auditable trail. Anything you replace it with has to cover the ones you actually rely on, the side-by-side comparisons linked from each alternative below put the two feature records against each other.
- Is there an open-source alternative to Modern Treasury?
- None of the accounting tools listed here are recorded as open source. That is what the licence field on each entry says, and the field is not always filled in, so it is worth checking directly for any tool you are serious about.
- How were these Modern Treasury alternatives chosen?
- They are the tools filed in the same category, Accounting, ordered by the aggregated rating on each entry. There is no editorial shortlist, and nothing on this page is paid: no sponsored placement runs on alternatives pages and the order cannot be bought. Softwr has not used these products.
- Where can I compare Modern Treasury against one of these directly?
- Every alternative below has a side-by-side page against Modern Treasury covering price, platforms, features and what each one is used for. Those pages read the full record for both products rather than the summary shown here.
- Does this list cover every accounting tool?
- No. It covers what this directory holds in the Accounting category, 24 tools beside Modern Treasury. The category page lists the rest of the catalogue as it grows.