Softwr

Spreadsheets · head to head

Baserow vs Toqio

Baserow logo

Baserow

Spreadsheets

Open-source no-code database platform

From
Free
Rated
-
Toqio logo

Toqio

APIs

No code platform for building embedded finance products on your own providers

From
On request
Rated
-

The short version

  • Only Baserow has a free tier, so it costs nothing to try first.
  • Each has a real cost: Baserow the free tier is capped at 3,000 rows and 2GB of storage per workspace; Toqio toqio holds no licence and provides no sponsor bank, so you must find, contract and manage regulated providers yourself, which is the slowest part of any embedded finance launch.
  • They diverge on capability: Baserow covers Database tables, Toqio covers No code product builder.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Baserow and Toqio actually diverge.

Attributes where Baserow and Toqio differ
AttributeBaserowToqio
Starting priceFreeOn request
Pricing modelfreemiumquote
Free tierYesNo
PlatformsWeb, Api, Self-hostedWeb, iOS, Android, API
CategorySpreadsheetsAPIs
Founded2019Unknown

Identical on both: user rating (Not yet rated).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Baserow

  • Database tables
  • Multiple views
  • Forms
  • API access
  • Real-time collaboration
  • Templates
  • Plugins
  • Self-hosting

Only in Toqio

  • No code product builder
  • Provider orchestration
  • Account and card modules
  • Embedded financing
  • Back office tooling
  • Multi entity and multi brand
  • White label mobile apps
  • Marketplace of providers

What people use each for

The jobs each tool is most often brought in to do.

Baserow

  • Self-hosting an open source alternative to a spreadsheet databasenot Toqio
  • Structured team data with Kanban, calendar and grid viewsnot Toqio
  • Building internal tools on top of a database with an APInot Toqio
  • Sharing data with external app users without giving them full seatsnot Toqio

Toqio

  • A manufacturer offering branded working capital finance to its dealer networknot Baserow
  • A B2B marketplace launching accounts and cards for its sellers without becoming regulated itselfnot Baserow
  • A corporate that wants to switch card issuer without rebuilding its customer facing productnot Baserow
  • A group launching the same embedded finance product across several markets with different local providersnot Baserow

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Baserow

  • The free tier is capped at 3,000 rows and 2GB of storage per workspace
  • Kanban, calendar and survey views need Premium at $10 per user per month billed yearly
  • Role-based permissions, audit logs and SSO require Premium or higher
  • Row limits are per workspace rather than per table, so splitting data across bases does not raise the ceiling
  • Automation runs are metered as credits, 2,000 a month on free

Toqio

  • Toqio holds no licence and provides no sponsor bank, so you must find, contract and manage regulated providers yourself, which is the slowest part of any embedded finance launch.
  • Because it orchestrates rather than provides, the customer experience is only as good as the underlying bank or issuer, and Toqio cannot fix a partner's settlement delays or outages.
  • Pricing is quoted with no public rate card, so comparing it against building in house or against a bundled banking as a service provider requires a full sales process.
  • With around EUR 30 million raised in total it is a small supplier to underpin a financial product a large corporate expects to run for a decade, which raises real continuity questions in procurement.
  • No code configuration covers standard patterns well but bespoke customer journeys eventually require custom development, at which point the main advantage over building directly on provider APIs narrows.

Pricing, plan by plan

Baserow

Free
  • FreeFree
    • 3000 rows per workspace
    • 2 GB storage per workspace
    • 2000 automation credits monthly
  • Premium$10/month
    • 50000 rows per workspace
    • 20 GB storage per workspace
    • 100000 automation credits monthly
  • Advanced$18/month
    • 250000 rows per workspace
    • 100 GB storage per workspace
    • 500000 automation credits monthly
  • Enterprise$null/month
    • 1000000 rows per workspace
    • 1000 GB storage per workspace
    • 2000000 automation credits monthly

Toqio

On request
  • Toqio platform$undefined/year
    • Quoted per customer, typically setup plus recurring platform fee
    • Regulated provider fees are separate and contracted by you
    • Card interchange and lending economics belong to your provider agreements

Which should you pick?

Choose Baserow if

  • You need database tables.
  • You want to start without paying.
  • You work on Web, Api, Self-hosted.
  • You also want multiple views.

Choose Toqio if

  • You need no code product builder.
  • You work on Web, iOS, Android, API.
  • You also want provider orchestration.

Questions people ask

Is Baserow or Toqio better?
Neither clearly leads. Baserow starts at Free and Toqio at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Baserow or Toqio?
Baserow has a free tier; the other does not. Paid plans start at Free for Baserow and On request for Toqio.
Does Baserow or Toqio run on more platforms?
Baserow runs on Web, Api, Self-hosted. Toqio runs on Web, iOS, Android, API.
Can I use Baserow for free?
Yes. Baserow has a free tier, so you can try it without paying. Toqio starts at On request.
What is Baserow best used for?
Baserow is most often used for self-hosting an open source alternative to a spreadsheet database, structured team data with kanban, calendar and grid views, building internal tools on top of a database with an api, sharing data with external app users without giving them full seats. Of those, self-hosting an open source alternative to a spreadsheet database and structured team data with kanban, calendar and grid views are not what Toqio is typically brought in for.
What can Baserow do that Toqio cannot?
Baserow covers Database tables, Multiple views, Forms, API access. Toqio covers No code product builder, Provider orchestration, Account and card modules, Embedded financing.

Answered from the vendors’ own pages

Baserow: Does Baserow have a free plan?

Baserow's Free plan includes 3000 rows per workspace, 2 GB storage, 2000 automation credits monthly, and access to Grid, Form, and Gallery views. It supports up to 500 external app users and includes 65+ templates with no credit card required.

Source
Toqio: Does Toqio provide the banking licence?

No, deliberately. You contract your own bank, issuer or lender, which is why you can replace them without rebuilding the product.

Baserow: What row and storage limits does Baserow provide by plan?

Free plan: 3000 rows and 2 GB storage; Premium plan: 50000 rows and 20 GB; Advanced plan: 250000 rows and 100 GB; Enterprise plan: 1000000 rows and 1 TB. All limits are per workspace.

Source
Toqio: Who is it aimed at?

Large corporates and B2B ecosystem operators embedding finance for suppliers, dealers or marketplace sellers, not consumer fintech startups.

Baserow: How much does Baserow Premium cost?

Baserow Premium costs $10 per user per month when billed annually, or $12 per month when billing monthly. Yearly billing provides better rates than monthly. Advanced plan costs $18/user/month annually or $22/month monthly.

Source
Toqio: How much does it cost?

Not published. Expect a setup fee plus a recurring platform fee, with all regulated provider costs on top and separately contracted.

Baserow: What are automation credit limits in Baserow?

Free plan provides 2000 monthly automation credits, Premium provides 100000 monthly credits, Advanced provides 500000 monthly credits, and Enterprise provides 2000000 monthly credits for workflow automation.

Source
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